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House Price Crash Forum


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About acer

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  1. That article is from two years ago - 17 April 2015.
  2. Shut down now. Chimney was demolished one Sunday morning several weeks ago.
  3. Hi, Is anyone following Westbury or surrounding areas? It looks like I'll be getting a work transfer there from Bristol, and I'm weighing up whether to rent or buy (max. £180,000 - 2/3 bed houses). My plans at the moment are to retire in around 8 or 9 years time and then move back to the East Midlands/South Yorkshire. I don't know much about the area, other than Westbury itself seems to be dull but bearable. Any insights gratefully received.
  4. A lot of agents down here issue s.21s to limit your AST to a fixed period (eg 1 year), rather than allow the AST to go periodic. They may not necessarily want you out, and may ask if you want to renew the tenancy for another period. It's simply a way of screwing more fees out of you.
  5. Will this go global, or is it a case of the UK's loss is the rest of the world's gain?
  6. Doesn't the index linked real return assume future inflation (RPI) of 3%? You could get a positive return if RPI stayed below 1.6 %.
  7. Another seagull politician flies off into the sunset, leaving everyone else's chips covered in sh!t.
  8. For me it's Vanguard, because it's structured as a mutual. Their ongoing costs are usually competitive compared to equivaent funds, and the information sheets provided for each fund seem to be a lot more useful than some of their competitors, especially in terms of historical data and analysis. As far as I can tell, money in a fund would count as an investment for the purposes of the FSCS, so you would have up to £50,000 protected if any one organisation went t!ts up.
  9. But if you tell some people that, they tell you you're a "victim".
  10. This might be of interest https://www.vanguard.co.uk/adviser/adv/adviser-support/research-commentary##asset-classes_all_10 In particular, it's worth reading the paper "Bond Investing in a Rising Rate Environment", plus the section "Going Global with Bonds"
  11. It's a good point. It's also worth finding out what housing is doing in the local area, assuming you know where you will be buying. In parts of the Midlands and North, for example, house prices have not even kept up with inflation over the last 5 years, so makes life easier for those of us who want to buy there.
  12. I'm putting 16% of my gross into my pension. I'd put more in, but I want a lump sum on retirement (in 8-10 years) to buy my own house. About 40 % of my net goes into a stocks and shares ISA. It's all invested in tracker funds, split 40 % equities, 9 % property and 35 % bonds/gilts. I also have a bit of cash in a fixed rate ISA, which makes up the last 16 %. I'm tapering off on the equities and property, and plan to move everything into bonds or cash a few years before I need the money. I haven't been able to do this for long, but the last few years have seen over 6 % annualised growth - it wo
  13. Just to update: It went really well. Total cost was £20 referencing fee. I'm now dealing direct with the landlords. The only hitch was during the referencing. My current letting agent held that up, because they wouldn't co-operate unless I paid them a £25 fee
  14. I wonder what will happen to any rent paid to the landlords. Hopefully, it will be confiscated as proceeds of crime.
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