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About Deft

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  1. So what's your point? We haven't built enough houses to deal with population growth? Not really much to do with net migration. That's just the good old UK for the last 20 years.
  2. But there really hasn't been lots more people in the whole overall trend of UK population. It's way too simplistic and not born out by the facts if you dig even a little bit. It's a nice simplistic argument that everyone can "grasp" as "common sense" but let's look at it a bit more before we go burning immigrants at the stake. Give or take a couple of minor negative years (like < -0.04 %) the UK population has only ever gone up since the mid 1970s. Over the same period - house prices have been a one way bet too. So you have your amazing correlation - house prices are proportional to to
  3. Even if there is double or triple the official increase in total population, I don't see that the country should have imploded. The endless anecdotes of everything going to shit can't solely be because of a 5-15% in people. Confirmation bias and/or spurious correlation.
  4. The other thing is that the UK population has grown by around 5% over the last 10 years give or take a bit. How are we now at some mad scarcity of services / availability / ? Everything now full because of an extra person per 20? Think this is government policy in action rather than bursting to the seams.
  5. The thing that makes me dubious about a particularly strong link with immigration is that for however long there has been net migration, I assume those migrants are not evenly dispersed around the country. Yet prices have relatively gone mental everywhere for 15 years, and that can't all be some amazing London ripple.
  6. If this happens the circle is complete and I have become my dad.
  7. Yeah at the moment it's a bit swings and roundabouts. If I destroy the ISA, I can build it up again in a few years - or hold mortgage and pay it off naturally in a similar time frame. A nice enough problem to have. I suppose I have angled more towards paying down the debt, as I haven't maxed out ISA allowance - but overpaid on the mortgage first and then anything spare into ISA (the non ISA stuff is company share scheme / options). If I was really bullish I would have gone ISA 100% (plus wife's allowance) and with hindsight that strategy would have paid off handsomely. Now the sums a
  8. In around 18 months time I'll come off a 5 yr fixed rate mortgage. If I'm lucky (and the pound devalues to nothing), I might be in a position to clear the mortgage. Half would be from shares ISA and half from non-ISA. Psychologically clearing the mortgage would be great, but keeping my years of built up ISA allowance could be more financially sensible. Keeping the ISA intact would probably mean another 3-5 years of mortgage. Whilst money is cheap it sort of makes sense to effectively borrow against my house to stay in stocks and shares - though it sounds a bit odd when I phrase it like that.
  9. Although I don't work in IT, I take an interest in aspects of it as a certified geek. The thing with all the outsourcing etc. it's been going on long enough that on some level businesses have taken some kind of rational decision to say "****** the consequences", haven't they?
  10. I do like the idea of having easy access to all plumbing and electrics though. I could go for the hospital / utilitarian look I reckon. I am aesthetically challenged.
  11. She was just trying to help you get your forever house.
  12. Interesting, it was mobile data and Vodafone for me.
  13. I had a weird pop-up on Android too, must have been a week ago. Only happened once, never again.
  14. The best thing about BTL is it can start actively costing you money.
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