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Everything posted by Umiapik

  1. The article was funny and informative but the poisonous contempt that the guy clearly genuinely feels for his tenants kept leaking through and spoilt the overall effect.
  2. Here's a good article on day trading: http://www.dailyspeculations.com/wordpress/?p=10032
  3. Atlas Shrugged? Truly, the collapse of the English squirrel acts as a metaphor for the ills of our own society. The plucky but naive native Red, out-bred, overwhelmed and finally forced into being a minority in it's own country by the hordes of invading Greys - is this not mirrored by our own experiences with the pitiless and remorseless flood of the practitioners of the so-called 'religion of peace??' No true patriot can deny the need to immediately set up concentration camps and... (Continues hysterically posting on the Telegraph website for the entire day)
  4. People aren't angry at him leaving to spend time with his family: they're angry at him for whining like a great, big, spoilt baby that his enormous income isn't enough to get by on and how nobody appreciates his terrible plight. All while voting for cuts to OTHER PEOPLE's benefits as fast as he possibly can and being completely oblivious to the fact that he's vastly better off than the vast, vast majority of people in this country. Daniel Hannan is just a not particularly bright Establishment shill, who'll always pop up to defend the indefensible, whenever rich people's interests are threatened, or even questioned.
  5. Yeah, I like Hargreaves Lansdown: I've got a SIPP with them myself, that I've combined my various pensions into. I've always found them prompt, thorough and professional*, UNLIKE the pension companies that I've dealt with (seriously: getting them to relax their deathgrip on my pension funds was like pulling teeth). Now I'm free to mismanage my own funds as I see fit and I can always see exactly what HL are taking in charges (peanuts, compared to the 'actively managed' pension funds). *I don't work for HL, honest!
  6. Were these ancient civilisations driven to collapse through high house (hut?) prices?
  7. Well, recessions do tend to come in roughly seven year cycles. The last one kicked off in 2007-2008, so seeing a new one in 2014-2015 is entirely plausible.
  8. Forcing customers to set up an account if they want to buy something is idiotic and just makes people quit the site: http://www.entrepreneur.com/article/228169 I've done this myself in the past: gone through a website, filled my basket, proceeded to checkout and.... "Please register an account with us!" Me: "Naah, f*** you!" (Goes and does something else instead).
  9. Yes, it's absolutely this. According to the Office for National Statistics, 47% of recent graduates (as of 2013) end up in non-graduate jobs at least at the start of their careers: http://www.theguardian.com/business/2013/nov/19/half-recent-uk-graduates-stuck-jobs-ons Once these students and those that remain unemployed are factored in, I'd imagine that the average wage plummets down to somewhere between £16 - 20k pa.
  10. Also, this has just popped up as a news item but already the usual suspects are leaping up to voice their horror at such a progressive move. In this Beeb article there's something called Business for Britain moaning about more high taxes and the Taxpayers Alliance (of course!) warning ominously that re-evaluating council tax bands fairly would just reduce supply even further, for some unspecified reason...
  11. Yes, if the government did something sensible like writing into law that council tax bands had to be completely re-evaluated every ten years. This would both protect people from being trapped paying excessive rates if the market fundamentally altered and would also end the ridiculous situation where people in London are paying 1991-level rates for properties that have tripled or quadrupled in value since then.
  12. Went to Aldi the other day: 25 quid for a week's shop. At Tesco I'd pay £40 and Waitrose, £50. I reckon the high quality and great value far outweigh the inconvenience of narrow aisles and an overcrowded store. Checkouts are great, too! They bang your goods through at an insanely fast rate and have no patience for the sort of person who blocks the till while they fanny around endlessly doing god knows what.
  13. Yeah, this. Amazing how these shills for sinister corporate interests get to come on news programs and spout their propaganda without having to declare their interests, like everybody else does. George Monbiot wrote a very good article about this the other day: http://www.theguardian.com/commentisfree/2013/nov/29/thinktank-bbc-smoking-big-tobacco
  14. This is a classic example of the amateur landlord who remains completely emotionally attached to a property that is now a business investment. When you're running a business (which is exactly what BTL is) you have to view it logically and coolly, calculating the risks and benefits of each change in circumstances and reacting accordingly. If you continue to regard your business investment as also your family home then of course dealing with a nightmare tenant (as the guy in this case clearly was) is going to cause you enormous stress and worry. It also sounds as if he wasn't properly insured against tenant damage and unauthorized alterations and made a poor choice in selecting a letting agent - again, from a business perspective, you accept that you made a mistake, learn from it and move on. You don't spend the rest of your life stressing out and regretting the situation.
  15. Hi all, not posted on here for quite a while. I'm currently in a 1 bed flat in Reading that I bought at the end of 2010 for £120 K, with a 20% deposit (I was 32 years old, sick completely of living with housemates and desperate to start paying my own mortgage off, rather than somebody else's.) Don't want to remain where I am forever and would quite like to upgrade to a 'proper' house. I also want to stay in Reading, for both work and personal reasons. I'd particularly like one of those terraced houses up by the university: I rented there for 6 months when I first moved to Reading and thoroughly enjoyed it, apart from the parking... I reckon that I could just about trade up to a house and maintain my equity at the 75% mark by the end of this year... assuming that I keep overpaying my mortgage and stick another £10 K (ish) of capital in when I refinance. My assumption in this is that prices in Reading are going to remain pretty much where they have been, with no really detectable rises or falls. Reading seems to be in a strange 'sweet point', on the exact border between London (rising prices) and everywhere else in the country (falling prices). Do prices seem to be falling in Reading from your points of view, then?
  16. Game stores are small and crowded, the queueing system is awful (I hand you some money; you hand over the game; I walk out of the shop: how long should that take?!?) and the stores too often smell of B.O. I assume that this is from the grubby kids that frequent the place but it could equally be from the spotty, uninterested teenage staff. And the prices are just stupid, when you consider how quickly the price of a new game drops after it's released.
  17. Ha ha, that was me and I'm logging onto HPC for the first time in years to say so! I posted that comment the other day: I had no idea so many people had recommended it. I've just started posting on the Telegraph site recently, because I was so sick of seeing their incessant defence of privilege and exclusion and wanted to be on there, visibly disagreeing with their editorial line.
  18. Why do you use so many ............................... in your posts?? Are you actually typing, or just repeatedly banging your head against the keyboard?
  19. We've been trying to work that one out for the last 6 months! Seriously though, I think it shows that the recovery that we've been seeing is built on quicksand - there's nothing to sustain it over the longer term. Now the autumn's here, I'm expecting to see prices tail off again, or possibly a resumption of a full-on crash.
  20. I blame all the threads about what exactly the national average salary is. Repeated viewing of these threads has turned everybody's brain to mush: now people can only communicate by banging their heads against the keyboards and posting the results.
  21. Good point. The more people we can persuade to stay at home watching tv, the easier my daily commute will become!
  22. Why, exactly are we supposed to be worrying about these morons?? Did he mean to say: "We need to point and laugh at?"
  23. Because, deep down, they know that they're they're wrong and this fills them with impotent rage. (smug smile)
  24. There's a good article in the Guardian this morning on just this subject: http://www.guardian.co.uk/commentisfree/20...-property-homes Interesting comments afterwards, too!
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