kinesin

Bicycles

Just been on one of the mortage calculator sites - 5% for 40 years, and I doubt the interest rate is this low!

A group of researchers based in Huddersfield compared different modes of transport in 1998 on the same commuter journey, and showed that car drivers were exposed to about four times as much benzene and 25 per cent more particles than cyclists. See link

But everyone is saying that the current younger generations are going to be first to die before their parents. Poor very diet, not enough fruit/veg, no exercise - an NHS timebomb

But an average wage should buy a average home - doesn't matter if your a FTB or not. It's the average that's important, true FTB's of past were on a less than average wage.

Someone better sent him this link http://www.costofsex.com

MSE have stopped recommending ICICI as the best bank, do to loads of poor feedback.. Check out the site for today news.

While drifing round sky last night I ended up watching MSBC <???> and they said that at one point Gas trading was suspended due the sudden price increases. They also showed so nice footage of an oil-rig hitting a bridge!!

The estate agents have run out of "for sale" signs.. times are tight you know, got to ration them out

http://www.housepricecrash.co.uk/forum/ind...showtopic=14672

edit - talking BS

It's linked of the FAQ from the front page - Tho i do wonder how many people find it from there. Most forums have a sticky FAQ http://www.housepricecrash.co.uk/FAQ-1988-...papers-said.php

I live at home, in the northwest and nearly every week have a Sunday sit down family meal, involving me +GF, my parents, Grandmother, Brother and his GF. A few months ago (June) I was yelled down and shouted at for mentioning houseprices were falling across the UK - this was after I had been looking to buy in Feb/March and then given up completely by May. Having found HPC and realising my gut feeling was correct and is now been backed up with local adverts etc. At the time I tried back up the falling market idea - but was out gunned by good old fashion denial, figures are useless in this evironment any mention of renting was shot down. Tonight was different - very different! My brother is thinking about moving out, and the story of one of my parents friends 'for sale flat' came up. - Originally on the valued at 170K, but on the market at 165k - after not having a sniff of an offer, it's now dropped to 149K, with my Father saying 'if it gets to 125k' he would buy it, my brother joining in. Anyway when I asked about the market falling, my mother actually suggested an 8% fall over the 12months. - in the end I ended up using a 5% model for pure ease of numbers. It was then on the "Renting is dead money" myth - Somehow I think I got the message through, especially to my Brother and GF - hell I think my mother even got it Using classic 100K IO mortgage flat as an examples i.e 6% £500/month and explaining that this is just an interest only mortage, so you still need to find that 100K in 25 years, - a repayment mortage just required more $$$$ a month. Everyone around the table agreed that it's possible to rent this 100K at below £500/month, my mother telling the story of how one of her friends daughters now rents locally another £500/month 2 bed flat for £400 - accepted on first offer. This also gave the chance to tell my brother that rents are only a guide, and going in 15% lower and offering 12months contracts will in many cases get you somewhere - Something I didn't know until HPC informed me.. Anyway, having explained that it's possible to rent for £400 instead of pay the £500 to rent off the bank, and having the benefit that building insurance, faulty doors, boilers, windows etc aren't your problem, only the landlords. Everyone could see that this was a small but total saving of £1200, - £1500/year with any landlord costs. During this time the flat would have dropped to 95K, but plus the extra saving a mortgage would only need to be 93.5K - Everyone then jumped in saying that only 90K max, maybe 85K would be required to buy as the prices are falling Total saving in one year renting: 10K - Something which for the same repayments/month knocks 5 years off the mortgage term What completely amazed me was the complete agreement that prices were falling - In just 3 months and with a few personal local stories creeping in, it's got from hardcore denial to "it's only a few percent" - I think the maths just proved that a few percent is one hell of alot on mortgage!! :

While you have you have done the shared house thing.. for economic reasons I would be very tempted to get back into a shared house. - Rising council tax bills - Rising Energy Bills - Shared payment of bills (TV, Internet, water, phone etc) It times of cheap living, - having house mates and the associated circle of their friends available means cheap nites out. Tho I agree it's hard to keep saving month in month out - hence I've just blown about a Grand for the 1st time in 9 months

Maybe the government can use the ageing population - Force driving re-tests on all 55+ year olds and slash the number of drivers/cars in the UK. GB might have to run a bit of tax juggle to reclaim lost petrol duty... but as it's already at 300% the prices increase help

I would draw the graph on the front page.. ans show the classicx crusty video on my phone.

A normal bath is about 30 Gallons, a normal shower 3 gallons/min. A high pressure shower is about 5gallons/min. Keep those showers short!

I'm getting charged about £200* but my brother who earns less and has a better room pays less.. Families just ain't fare! *As part of the rent, all telephone, internet, cable/sky bills became mine to sort - I then managed to reduce these and thanks to moneysavingexpert and now save about £30/month

Wasn't there plans to replace all traffic lights with LED traffic lights? The saving from doing this alone with a good few % of current totals. Also remember reading that it would benefit the government to hand out energy saving bulbs, and get the whole of the UK to switch asap.

Saturdays front page

Another big plus of a One account is if your a credit card stoozer, then big chunks of debt can be offset (even if only for short period) against 'stoozed' savings. - Reducing total interest owed, and allowing faster repayment of the capital

While the mainstream media has dumbed down - it's hard to provide a nice 27min show that covers the whole topic - What's been happening on Bloomberg etc? Are these channels also getting it wrong? What about the markets in general? - I can't read the markets as well as the good Doctor, do/did then believe GBs economic miracle?

I looked at mortgage in Jan.. and HSBC were willing to offer a mortgage with payments been upto 60% of take home (+ insurance, life/building etc ontop). They needed to be that high to for 25year 120K mortgage. Others are willing to push to 70% of take home.. After tax/bills etc there is nothing left.. The average is low.. I imagine the baby boomers are paying > £100/month to fund the last couple of years of there mortgage.

You're right!! Smile is co-op's. (and I deal with these companies day in day out.. )

It's still the Co-op^H^H^H^H Abbey, however I imagine if they ever when under, as a seperate trading company the parent wouldn't be forced to bale them out. So normally 1st £2k, and 90% of the next 30k rules apply - Just the same as ICIC As for how likely to crash - maybe less likely?? - limited staff numbers, can be outsource easier, and maybe clients that are less likely to default - A certain level of intelligence is required to use the interweb and internet banking..