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Mr_Nice

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Posts posted by Mr_Nice

  1. I am sure that this has been highlighted before but as below Debra rightmove's example of the UKs glorious housing market is still waiting to exchange after a year!!!

    Having trouble shifting yours Debs???

    Find your perfect home

    "We live in Sheffield and want to move to Cornwall. You can just imagine how difficult that would be to do, when you do not know anyone at all in the South West. Anyway, a property came on the Rightmove website on a Tuesday that we liked the look of, we booked to view and drove down there to see it on the Thursday morning, put in an offer and bagged it up before the advertisement in the local paper got a chance to circulate. What hope would we have had of competing with people already in the area, without this service?

    We are now waiting to exchange contracts, and could not have done it without Rightmove - Thank you!!"

    Debra Wiley

  2. I moved back up north after a sixteen year absence in 1998. Reasons? Cheaper housing, nicer people, beautiful countryside. Never regretted it.

    The north has nicer people. Hmmmm. Perhaps the nice suicide bombers from leeds can spread their own brand of friendship in northern cities in future.

  3. So none of the infrastructure in the past forty years we see today was not paid for by babyboomer taxes.

    The double negative is interesting but i think i get your drift. The infrastructure built over the past forty years was built to serve the needs of the populous of the last forty years.

    The situation today is one of an inefficient and inadequate transport infrastructure , shortage of homes, water infrastructure in caos and the north sea drained of both fish and oil.

    Yes, thank the romans but the baby boomers I don’t think so.

  4. :blink:

    I don't understand what the emoticon means but i do understand demographics. The point is that the taxes paid by baby boomers were spent on the baby boomer generation as the number of retired over the past 40 years and provisions for them as percentage of the working population and GDP were massively lower than the burden we are faced with.

    Had these taxes been invested wisely then there would be a pool of money 'saved' to provide for the retiring masses and hence no pension crisis. But that simply is'nt the case and someone i.e the current working generation is expected to pick up the tab.

  5. Paid income tax and NI for the past 47 years and will no doubt be paying income tax till the rest of my days.

    Paid Purchase tax @ 10% for 14 years.

    Paid VAT from 8% to 17.5% for 32 years and will still pay for the rest of my days.

    Paid Rates, Poll Tax, and Council Tax for 35 years and will still pay for the rest of my days.

    Paid fuel duty on a grand scale for 46 years and will still pay a small share why I can still drive.

    Paid all the other duties and taxes on vices the past 46 years.

    But very little of that went to support any generation other than your own.

  6. Mr Nice was online at 12.45 today but chose not to post.

    Can we take it that it nice guys finish last?

    Or that gentlemen never kiss and tell? :lol:

    Hello! I am shocked! At the number of posts :) . I guess I started the topic as i was feeling pretty pleased with myself ;) but expected it to quickly drop off the radar. Logging in yesterday I felt a little guilty that I had publicised the whole event!!!

    Anyway in light of that since I can no longer claim to be 'Nice' it all went very well and thats I all I have to say.

    Thanks for listening :)

  7. Off out for a date tonight with what might be my perfect woman!

    1. She thinks expensive cosmetics and designer clothes are a waste of money

    2. She saves the bulk of her salary.

    AND

    When i asked where she lived she said she rents a lovely place in st albans. She said she had considered buying but that it was considerably cheaper to rent than pay the interest on the mortgage!

    Yes. I have checked and she does'nt have big hands :D

  8. Of course bloody yields are holding up. Yield is rent/house price, so falling prices actually flatter rent yields in % terms.

    Coversely if both rents and prices are falling yields will still hold up provided rents don't fall faster than prices.

    Indeed, prices are falling but so are rents. After STRing in Nov 2004 I Rented a house in Bushey Herts.

    In august I was paying 800pcm when my contract ended. he wanted a 12 months term but I refused saying I preferred a rolling month by month so he served notice on me and i left for a better and cheaper place.

    5 months later the place is now up for £750 with no takers and he has redecorated!!!! It has become a weekly point of humour checking the watford observer to see it it still there.

    My heart, of course, bleeds for the d*ck

  9. Just wondered if anyone had tried or has any knowledge of any general comodities funds, something that invests into a reasonable range of companies involved in a spread of commodities?

    First State Global Reources has been good to me this year. They have exposure to gold, energy, minerals and low fees. Worth considering although there could be a signficant downside if copper etc had a pull back.

  10. What a disgusting attitude.

    Truth can be unpleasant or even disgusting. Take for example the ingredients to a tesco sausage.

    Unpalatable does not make untrue. On splitting with my girlfriend of 6 yrs she tried to get half our house and half of my existing place too.

  11. if you don't mind me asking - how much did you buy for & which bit of Hackney was it?

    Not at all. I paid £160k. The house was on Mayola Road a pretty tree lined street.

    I loved the house, was georgous 3 story and 5 internal levels but in the end sold for three main reasons.

    1. the garden was tiny

    2. The neighbouring house was DSS and the lovely little blighters used to throw rubish over the wall. There was 6 of them and all aged 1-6 I feared what living there would be like when they became teenagers.

    3. I work in watford and really want a detached house and a garage so decided that is was the time to selll and bank the equity.

    Incidentally, the house is now probably worth 10k more! LArgely due to tyhe olympics bid i think but I am saving loads by renting within walking distance to work.

    If you are thinking of buying in hackney do it with your eyes open. In truth i would rather have a house in hackney than a flat in clapham but the area is and always will be rough!

  12. Looking at the results at BM's website this flat had a reserve of £135,000 and the bidding stopped at £128,000.

    Another flat in the same block, number 50, also went unsold. It had a reserve of £115,000 but the bidding stopped at £106,000.

    I STRed from Hackney. Owned a 3 storey terrace from 1999 - Nov 2004 on a lovely street. Sold for 340k.

    115k to live in block there is crazy. You could'nt drag me back there to live in the best houses on the best street. The sheer volume of blocks in hackney, clapton, leyton means this place will NEVER 'up and come'. It is and always will be the **** end of London

  13. http://news.bbc.co.uk/1/hi/business/4506048.stm

    UK consumer confidence is bouncing back in the run up to Christmas, according to a survey from the Nationwide building society.

    This piece follows yesterday's SIPP news and the CBI's warning that confidence has not gone up but has, in actual fact, dropped to the lowest level in 22 years. Why the sudden euphoria in the Beeb's photo? IF you look closely they are actually FTBs and STRs who just saw the SIPP news on a Tele in Curry's window! :lol::lol:

    Brilliant!

  14. Anyone who lived through the war may not agree, either.

    Its a question of perspective really. 'Life' changes - some things are easier, others are harder. Today, people have far more 'opportunities' than ever before, it just depends whether you can put enough effort and brain power into grasping those opportunities.

    Perhaps what we are seeing is natural selection. If you are clever and wealthy enough - then you can afford to have kids. If not, then your gene's are going to die out............

    Interesting theory, if somewhat harsh and fascist !!

    Personally, I've no children - I decided along time ago, my gene's aren't worth passing on. I wouldn't want anyone to suffer !

    What utter drivel. Open your eyes. Most kids are born to welfare families who make a living from their children rather than making a living to have children. Not exactly Darwinism.

  15. You just witnessed the limited chance there was of a rate rise next year evaporate.

    http://www.sky.com/skynews/article/0,,30400-13463806,00.html

    The HPC bears will have trouble sleeping tonight.......

    http://news.bbc.co.uk/1/hi/business/4442086.stm

    :lol::lol::lol:

    Not all. Like any sane person I am looking for house prices to devalue significantly against other things other than Gordon's pounds.

    My gold, palladium, silver, Swiss Francs, Canadian Stocks have had a fantastic day. I shall sleep very very very well.

    Ciao

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