Saving For a Space Ship
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Posts posted by Saving For a Space Ship
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''No, I'm Spackman!''
I was tempted to post this on another HPC thread today when someone mentioned spartacus, but anyway here goes:
A few years ago Kirk Douglas's son, not Michael but the other one whos dead now, fancied himself as a stand -up comic. Doing his routine one night on stage, which was not going well, somone heckled him. He got very annoyed and said 'You can't do this to me, don't you realise who I am, I'm Kirk Douglas's Son!.
Somone in the audience then stood up and shouted 'I'm Kirk Douglas's Son!'
Can't remember where I heard that one, may even have been on HPC months ago, if so thanks to poster.
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I think the story was well balanced. She'd already written that a 10% drop would be needed just to get back in at the same price when takeing transaction costs into account.
TTRTR, do you agree with the telegraph that its a 10% cost to swallow for STR ?
I thought I'd read elsewhere on this site it was less. Has anyone come across any
more official/academic figures on working out the cost of STR ?
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nice post, I came across the website http://www.antimonopoly.com which appears to reveal a very murky history of the monopoly game. Wonder if thats included in the book ?
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I went skiing and stayed in a space-saving room for 4. The room was incredibly small, about 5m by 2m, and required careful coordination at bedtime or mealtime just to allow everyone to move around. I remember thinking that this was a taste of what many Hong-Kong residents were putting up with before the collapse of their bubble.
Have you ever read the book 'Soylent Green'?
Roll on the Ompa Lompas
I've seen the Soylent Green movie, and having read the superb book 'Fast Food Nation' recently, we-re only one step away food wise, having had cats, dogs, horses etc fed to cattle we've been eating up to 1997 (BSE stopped it), made me give up Chicken, having given up red meat years ago.
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Re-read the post; it ain't inbreeding unless her husband is related to her....
That's gonna a be one well fed baby.....
Sorry for any confusion in my jest , I didn't infer incest, just meant that having the in-laws from the same families has got to prune the family tree.
If shes breeding midgets, maybe thats a good idea, given most new builds are tiny shoe boxes. I read an article years ago about encouraging the breeding of small people to save the planets resources (seriously) . The Chinese beat us to it, unfortuneately they started driving cars instead of bikes (an age old eco-fear/nightmare ) and was horrified to see the rich ones idolising/driving Hummers recently!
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After warming Sarah up with small talk of her 'bubble bursting' having just had a baby.
Eamon, the sofa slug asked her 'In the house market, has the bubble burst?'
Sarah looked a bit startled, paused and took a big breath saying 'there have been difficult markets before, but its still possible to make money'
She had to say that with her new series on the go.
After a brief clip from Sarahs tv show, Eamon finished off asking her 'is it true your brother married your husbands sister,
and that you live opposite each other ?' This seemed to startle her again , but she answered yes.
Looks like her family tree is on its way to being a stump.
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This addiction issue has been raised 3 0r 4 times over the 5 months I have followed this excellent forum.
I don't think anyone has come up with a cure yet. I guess its a lot cheaper/healthier than other substances.
My addiction to HPc, has taught me a hell of a lot about economics and allowed me to share my twisted humourous comments on this sad property business.
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yawn............. this article quotes the vested interests yet again. The IMF quote is telling a different story re: a crash
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As it appears you have to be blind or mad to buy in the current housing market. IF this **** up makes their mortgage fall through, maybe more folks will wake up and smell the roses.
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I'm down the road in Chester. To buy one of these houses you mention, have you worked out how many times salary that is @£6 hr ?
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Thanks for your many excellent posts and for having the guts to go on Tv.
Enjoy your travelling, you deserve it
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No one expects the House Price Crash Inquisition !
but bulls are now a protected species, especially on this site, so they can't be evicted. A move for the super troll award is another matter.
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Same is true of motorbike sales industry as car sales re: 'overpriced finance deals'
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This is so appalling, particualrly the quoted paragraph below, but not suprising due to lack of legislation on these parasites. Roll on the lawsuits !
(Full article enclosed below next paragraph)
'Only three of these high-street advisers offered good advice, with 36 out of the 39 (92%) failing to follow the voluntary Mortgage Code. Some advisers failed to inform customers that they could not give independent advice, but could only recommend their employers' mortgages, which is a serious breach of the Code. In addition, seven advisers failed to mention the Code at all, and fourteen misled the researchers about it. What's more, 23 advisers did not describe the different deals available, and 21 didn't properly spell out the different ways to repay a mortgage (repayment or interest-only). Oh dear!'
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Halloween Horror For Homebuyers!
By Cliff D'Arcy (TMFCliff)
Consumer champion Which? magazine has accused high-street mortgage advisers of giving dreadful advice to prospective customers. However, the industry only has until Halloween to get its act together before tougher rules come into force...
Seven researchers from the Consumers' Association posed as first-time buyers in order to visit 39 mortgage advisers between September 2003 and January 2004. These mystery shoppers visited most of the big-name banks, building societies and estate agents, including Abbey, Halifax, HSBC, Lloyds TSB, NatWest, Nationwide BS and Northern Rock.
Only three of these high-street advisers offered good advice, with 36 out of the 39 (92%) failing to follow the voluntary Mortgage Code. Some advisers failed to inform customers that they could not give independent advice, but could only recommend their employers' mortgages, which is a serious breach of the Code. In addition, seven advisers failed to mention the Code at all, and fourteen misled the researchers about it. What's more, 23 advisers did not describe the different deals available, and 21 didn't properly spell out the different ways to repay a mortgage (repayment or interest-only). Oh dear!
Which? also warned that advisers appeared to be inexperienced or poorly trained, while most were more interested in selling insurance products (which pay fat commissions) than giving good overall advice. Some 'independent' advisers boasted that they could search the entire market for home loans, but were mysteriously quiet about being tied to a single company for protection products!
However, things are set to change from 31 October, when the Financial Services Authority (FSA) takes over the regulation of mortgage advice from the Mortgage Code Compliance Board (MCCB). From this point, the compulsory FSA regime will replace the more lenient MCCB rules. The FSA is expected to rule with a heavier hand, which will mean an end to 'light touch' regulation of mortgage advice. Many lenders are spending a lot of time and money preparing for the new regulations: Direct Line recently withdrew from the market and will not sell mortgages until after the new regime takes effect.
In my opinion, FSA regulation of mortgages can't come soon enough, even though it will surely mean that some homebuyers will find it harder to get a mortgage. After all, tougher rules - and financial penalties for mis-selling – should put an end to dodgy self-certification mortgages and other shady practices. If you're struggling to get onto the property ladder, the last thing you need is ropey mortgage advice. And exaggerating your income in order to get a larger loan is plain barmy - you could end up losing your home as a result. Eek!
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UK house prices slow as rate rises take their toll
House price growth slowed to a two-and-a-half-year low during August as the cost of property inched ahead by just 0.1 per cent, economists said on Wednesday, signalling that the Bank of England’s interest rates rises have taken some of the heat out of the market.
Nationwide, Britain’s largest building society, reported that the rise was well down on the jump of 2.1 per cent the previous month.
The stalling in price growth during August helped moderate annual house price inflation to 18.9 per cent, down from 20.3 per cent for the year to the end of July.
Nationwide reported that the average house price has risen by 18.9 per cent, to £153,743, over the past year. But the figure is down from July’s average house price of £154,299.
“The sequence of rate hikes will have had an important impact on buyer sentiment and people’s willingness to stretch themselves,” said Alex Bannister, Nationwide’s group economist.
A combination of muted wage growth, further interest rate rises and lower price expectations from homeowners should slow the market over the rest of the year, he said.
Over the past three months prices have risen by an average of 1 per cent a month, compared with 1.7 per cent a month during the previous three months, suggesting price growth has moderated rather than slumped, it added.
“Whilst this will to some extent reflect the usual summer lull, underlying actively levels have clearly slowed. In addition, asking prices appear to have fallen sharply over recent weeks,” said Mr Bannister. “While we don’t expect agreed prices to decline, the trend in price growth is expected to remain on a weaker path for the rest of the year.”
Lenders and the Bank of England had been predicting house price inflation would slow dramatically after last year’s 25 per cent gains but it is only now that this is starting to materialise.
The figures come a day after property website Rightmove said asking prices in England and Wales had fallen by an average of £1,217 during the two weeks to August 28 and the Bank of England released data showing mortgage lending had slowed during July.
The Bank is expected to continue increasing interest rates gradually which have risen five times to 4.75 per cent since November.
http://news.ft.com/cms/s/eb9686e4-fbe6-11d...000e2511c8.html
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I recently read 'Fast Food Nation' by Eric Schlosser and it made me give up any form of red meat and chicken, secondly I felt like going on a rally against the burger bars and meat packing industry.
I quote 'What's in all those hamburgers? They're most likely made from the meat of worn-out dairy cows (generally the least healthy cattle stock), which spend their days packed in feedlots full of pools of manure. Each burger contains parts of dozens or even hundreds of cows, increasing the likelihood that a sick one will spread its pathogens widely.
Until 1997, those cows, by nature designed to be herbivorous, were fed "livestock waste" -- rendered remains of dead sheep and cattle, along with the remains of millions of dead cats and dogs purchased every year from animal shelters. Thank God the law was changed: Now they're fed only the remains of horses, pigs and poultry. And if you think your fries are animal-free, guess again. While McDonald's no longer cooks them in beef tallow, a process that until 1990 gave the chain's french fries more saturated fat per ounce than its burgers, McDonald's still acknowledges that some of the flavor comes from "animal products."
THe horror stories of meat packing plants that shred their immigrant workers or poison them with the cleaning products. The chapter called 'theres shit in the meat'
speaks for itself.
At the end of the book it details the meat packings industries war with the environmental health dept. in the states, if you think the housing trade asssociations like CML pull strokes over here you should read that chapter, along with MacDonalds and KFC, the biggest buyers of meat in the USA and with no union representation.
Amazing book, makes you want to move to India
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I thought we were going to sue 'the vested interests' for talking the market up and Kirsty (is that Bath sealant on my dress again Phil ?) Allsopp/Lewinsky for slander first.
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BBB, as your one of the few (sane) bulls on this site, I don't think you'll get much help with your addiction as the site needs many more bulls due to it getting a bit one sided.
So in that vain, may i suggest voice recognition software or a short typing course to speed up your posting !
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Has anyone else noticed the enormous amount of property programs repeated on the TV over the last few months ?
OK, so TV programs are repeated a lot generally, but the 'do up your house' , 'house auction' and the 'buy another house or move in a different area/country' type seem to be always on, particularly daytime (i work from home) .
This gives folks a wrong view of the market as some of these were made over a year ago, when things were different.
The house obsession focus continues with repeats of 'clean up your house' and 'find collectables in the house for the boot sale/auction' are everywhere as well
My conspiracy theory radar is beeping loudly.
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Sounds like somones caught in the Maisonetrix, or even the BlairTricks. Who is the architect ?
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Welcome home boys, your dinners on the table!
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Just noticed that I have now been upgraded from 'Newbie' to 'Member'.
I havent got a speech prepared as I really didnt expect to win this award but I'd like to thank everyone on here for their help .
If I become an advanced member ,I hope to travel the world & help underprivileged children .....
I Thank you
IN you new role and 'inspiration' to others, before you help the children, mybe you could help the poor souls addicted to this forum .
Thanks a heavy user
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I don't think the arrow bubble is caused by Lord of the Rings.
More like Bruno Powroznik (AKA Marilyn Monroe) and friends buying all the arrows to defend themselves, their tins of beans and fallout shelters from the unwashed hoards when their economic apocolypse hits!
Oh bring back the good old days of the Y2k software crash.
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Surely, this post would not be deleted, words used were inoffensive and housing related,
ie. 'Allegedly' and 'Bath Sealant'. BBB's use of a 'cigar' is for celebrating the HOUSE PRICE CRASH ! Oh hang on, maybe he won't be celebrating.......
It seems you are allowed to say bugger though, just don't mention bath sealant in the same sentence.
Who could delete our dart board pin-up anyway
? (allegedly).
Economic meltdown and house price crash
in House prices and the economy
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Gort, we all love a good tune, how about 'clatu berada nikto' its too late to save the property markets from being destroyed, but please don't obliterate the earth just visit your vengeance on kirsty allsop and phil instead.
(hope my spellings ok for the earths sake !)