Toxic Teds Ghost

I get paid three times what I used to and bought and sold a house within six months making £35k - its all there if you look hard enough perhaps you are better off just being miserable. I am renting at the moment as there are enough marginal idiots to get their fingers burnt to make waiting an option as people panick but there isnt going to be a wipe out and if you think that you will remain miserable for a long time indeed.

It does look like an add on. I think this reminds me of those people who have a hobby and it becomes an obsession, like they are really angry everyone else thinks they are a complete social misfit so they turn bitter and say things along the lines of "Ill show them and then they will be sorry!" "They told me that I need windows but I told them they were being a pane and soon my garage house will be sold and I will be richer than they could every realise." I agree you would have to be a complete twit to want to move there can we pin this thread and then all arrange a visit and seem very interested in it - it would be very funny. Then you could phone them and ask how many windows as I was too dark to count them.

Yeah you are totally screwed - No not really ok alright then yes you are. Maybe you should work out what you are trying to do - quick sale?, need to move?, falling behind with payment? I think your mistake was to get an estate agent without a promise of at least half a dozen buyers looking for a property like yours. Go back to the estate agent and tell them that the agreement was to sell your ******ing house and that you will sign with someone else if they dont have at least three people around. They might threaten to sue and then that would cost them money initially so at least it will shake the snow globe.

Yes that would be a good idea - but I am sorry to have to tell you that someone already thought of that one - what about everylasting gobstoppers - now that is an idea!

If you want a quick sale then reduce the price. Make sure that you take the viewings and have a card with your number on it - dont trust estate agents to make you a priority but at the same time they are useful dealing with the annoying enquiries. If you lose the next house it isnt really the end of the world - living in a house you dont want to might be so concentrate on that then rent for six months it will take out the stress. - it is what I am doing and other people in my family have done - it is much easier. I think the market is changing sure people will panick for a little while but people do need to live somewhere so I cant see it being that devastating - but remember do what is right for you forget the market. Ted

Hey that is antighost and I think that is racism against us spirits. A few years ago I died in a horrible custard accident in order to avoid needing to buy a house is that so wrong?

I am starting to develop the grapes of wroth - is cream the best solution or a change to a diet higher in fibre

Has anyone got some data of places that arent shitholes so we have something to compare the data with - its only fair. Ps I am not surprised that flats are dropping in Liverpool you would have to be a bit think to want to live there and for coventry - my god dont you people have any aspirations? Move somewhere worthwhile. De do do dont dey do! Hey calm it down eh - :{0

Oh no the housing market has crashed - at last we have some concrete evidence instead of just a bunch of moaning minnies - ok thats better - it is ok it is just the website that has crashed, boy do I feel silly.

I think £5k is a bit steep for a look at your carpet - how about £250 and you make a cup of tea afterwards - thats my best and final offer and I am not sure if its the market rate - supply and demand - anyway if you get into a long term realtionship you'd have to do a lot less for it - as far as I can see women who dont work and get married are just whoring with a veneer of respectability. And whats more those whingy bastards who expect me to subsidise their kids - yeah why not take six months off Ill pay - hang on wasnt that your choice anyway so why am I paying for it? And relax - breath in and then out - thanks I enjoyed that.

Look this is easy. Take a situation that is uncertain . Add loads of hindsight and look you were wrong - so what it doesnt matter unless you have a time machine. My take on it is this . Get over it. Look to why you didnt make a decision, notice all the other areas in your life where you didnt make a decision. Realise that you only missed out on life as you are too cautious. Write down a list of the things you want in life and then go and do them.

Good old "daily fail" I have to say after listening to the editor a few years back I realised that this paper works on minimum staff and grabbing headlines - consequently it is like an amplifyer to the original story. My take on is that this is simply supply and demand, true there is senitment, but lets face it there arent many new houses being built and the immigration levels have increased. I am selling my house, the surveyor says it is overvalued, personally I disagree as that is what more than one person is prepared to pay for it. Will the prices come crashing down. I believe that they wont crash, ie drop 20%, within a couple of months. Perhaps they will wax and wane but this is fair enough as people are trying to decide when to get out or if to stay in but that is to do with the fact that they have their savings tied up in the house. My advice is buy if you can afford it and if you cant well it isnt something that you should waste your time thinking about.

Sounds like you are having a number of problems. I gained a degree without looking into the job opportunities also. I think it is time to reconsider. I would suggest you apply for work in admin within the sector you are interested in, that way you have bought some time and can actually find out about the opportunities. CSA - I am not qualified on this one. Accomodation - My take it that you will need to live somewhere. I would move back with your parents or rent a room until you are on your feet. Moving country - I dont think that is the solution but if you have more opportunities outside the uk yes do so. It sounds like you have a lot of headaches but just remember you have to stand on your own two feet, no one owes you anything and that you are probably clever enough to know this so I would just say toughen up a bit emotionally and get on with it.

Sentiment is changing - at last affordable housing. One friend of mine said about the last recession that the tide has turned when the first person is made redundant - At the time it sounded convincing but didnt really take into consideration unemployment caused by seasonal or structural reasons. I think the housing information is like this also. 70% does seem a lot but lets face it houses have been pretty unaffordable for a lot of people for a pretty long time. Given the average lack of intelligence in the majority of the population you are going to get these people making decisions typically later and perhaps not considering too much the affordability.My view is this though - 17,000 properties out of how many sold recently - is this really enough to prove how things have fundamentally changed? Again numbers of properties available are increasing but this might be a reflection of Mr and Mrs Idiot selling instead of being repossessed. If there is a correction I wouldnt mind it happening now as it would eventually recover - and the sooner the better. What might concern me is hikes in rates month on month - but £40 extra isnt what I object to it is the council tax that annoys me - and even if yuo rent that still has to be paid.

Well I am not renting - I am paying slightly more than for a flat and I have a house and a garden - so yes - let the bloody thing crash so it can recover - or if it doesnt then Ill buy a better property once I completely modernised this one. Rent - yes a good short term option as they never decorate like they care. Buy - but only if you like the property Worry and then worry some more - yes thats going to make you happy. Ted

Hedi - I hope that there is a moderate decrease in prices or a levelling off of prices as it would allow you and others to make more concrete plans for the future. I realise after buying my place that prices are likely to fall - you see I know they will 'stop going up' at some point but I dont feel I would be upset. I think what I am upset about is paying more council tax to another construction folly (2012 Olympics) that annoys me but no more really than the crap transport links in the country. Yes all financial indicators point toward a 'crash' but why are they defying gravity. I would suggest it is a shortage exacerbated by imigration - given their nature houses are tangible as well as linked to financial issues and so I dont think you should get the two confused. Only a small percentage of house are up for sale anyway so as a study you are probably not getting the full information needed no matter how long you look at it. My advice is do a sensitivity analysis - could you afford it if interest rates change, how much would you be penalised if you needed to sell in the first year etc and then I think you should compare it to renting. Personally I found renting unpleasent - landlords on the whole arent very generous with their time or money so now I have the place the way I want it if my house looses financial value I am more inclind to stay as it is more the way I want it. If prices stabalise I can upgrade. This is just right for me but I recently bought and it ended a very protracted period of indecision - only now do I realise just how unhappy it had made me.

Yes it is nice and it was a wise choice I can get to work easily, if congestion charging kicks in the tube is just down the road. The place itself is solid and even if prices fall it is good enough to bring a family up in/ I am a wise ghost - thankyou

Yes in a way, the arrogance of youth and all that, but like I care what the guy says. I think the point here is that I am very happy with my choice and I am thinking about my next move as I decorate - I got it cheaper as it was a probate sale and my neighbours look really nice so I can see the potential. - but I admit I am bored at work at the moment and distractions like this are welcome - I am writing a big document and you need a break sometimes.

I thought about this it isnt an exact figure but it isnt far out. Ready three people buy a boat for 10k - I have a boat which is 2k so I only have to pay in 1 and a bit - over a couple of years it isnt much more than a tenner. If you think about it after year three it is free apart from minimal ongoing costs. and as well I believe even if the boat decreases, which they dont tend to do much, I can sell it an make some back. I suggest if you dont believe me forward this to a special sailing forum and get their take. Thanks Ted

I think you are nuts!

No you dont have to be stupid to earn £40k Ethel but I am happy with it at the moment. It isnt a fortune I agree but it leaves me with enough spare to go out too and have a little house and a reliable car and the occassional holiday. I still get to buy the nice things in life as I go shares with people and I am lucky enough to have made plenty of friends who are reliable and honest - for example I bought a yacht with some friends last year and it works out about £10 a week. I dont judge people for what they earn either way as it isnt important - you should like your job and that is all that matters - Ethel if you were honest with yourself it is what is inside that matters and if you are happy with yourself little put downs really dont make much difference to me.

Just to clarify I was buying a flat - to the point where I needed to sign a bit of paper and then went through the additional costs and noticed the ******er was trying to pull a fast one re an arrears in joint maintenance. So no I only bought one place. Perhaps I should go back and write a formal appologies just to clarify things for the anally retentive ones - kind of says more about them than me - Shocker Ted exposed - Ted has been caught out trying to rewrite history - this proves beyond doubt that house prices will soon fall - All praise the Needle - god of the crash and smite ted for his blasphemy - sounds like the usual mad logic ps I bought in a house in Hainault which is relatively cheap but earn over 40 so it is ok - do I get paid too much - well it is well below the rate I could get in the private sector - so I dont believe so. Come on Needle join the grown ups and lose the turd tinted glasses. NEGATIVE EQUITY - oh no that could happen - But I could also die of cancer I have a 1 in 3 chance of a major long term illness - That is CANCER - shit I think I wont be able to sleep - Sleep deprivation that could make me go mad - that is MAD - then I could spend my time as an idiot looking up people's past posts - Thats POSTs ....

Prices will go down - but not to the point that it will kill me. If I had a choice to buy again tomorrow I would as my whole life has changed I have lots of space and I am getting every room the way I like it - not the bare minimum as when I rented. I was sensible and cautious and waited but it didnt do me any favours BUT I bought when it was right for me and did not think about beating the market I have made the right decision - will I SUDDENLY CRY WHEN THE HOUSES DROP - NO DEFINITELY NOT. Will I spend a moment thinking about how I should invest money properly in future to maximise gain - a little. People get caught up in this and if it feels too much like an ideology you just know people are bullshitting themselves a little. Ted

My understanding is that house prices are dear as the long term interest rate is more predicatable and therefore posess less of a risk to those purchasing property. Other factors are A more healthy economy 1 - immigration - lowering wage costs 2 - cheaper imports, largely from China. A lack of alternatives 1 - Restricted land supply 2 - Location - restricted supply of decent housing which people can easily commute to work. 3 - Lack of stock market or pension alternative as investment vechiles 4 - Undervaluing of property - looking at Germany mortgages are passed on to children. Service Economy - Mercantile. 1- Dollar Imperialism - No gunships but lots of exploitation - Economic Management.