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Bear Necessities

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Posts posted by Bear Necessities

  1. 19 hours ago, desiringonlychild said:

    As a woman, I cannot see if the foundation matches my skin exactly from the comfort of my home. I need to try it on. There are online quizzes and 'virtual try on' apps but I prefer just going in store... Sometimes you get a free makeover! This is something unique to women (and a few men), I appreciate...

    But once you know which brand of foundation you like best and which shade matches your skin exactly, the next time you need it you can buy it online, usually with a discount code.  Same for other cosmetics and things you buy regularly. 

  2. On 17/04/2022 at 14:04, TheResponsibleHouseBuyer said:

    Can someone explain how they have afforded all this? ...The people that are buying aren't these over 60's boomers that are looking to sell their decrepitated overpriced Victorian house in central London and cash in on a cheaper new build to retire. Not what I can see from the people living in these places or standing outside the sales office. These seem to be young 20s-30s couples.

    I think we might be getting to the point where the boomers are starting to die off.

    (I unfortunately think this due to recent personal circumstances)

    So some of these 30 something couples could be suddenly in possession of a small (or not so small) fortune.

    and maybe the young 20s couples have had legacies from boomer grandparents (if my maths isn't way off?)

    It's either that or the dodgy loan thing.

    EDIT - or maybe bitcoin?

  3. Sorry to resurrect a VERY old thread.

    Just an update on what we ended up doing.

    Thanks to those who gave me advice at the time (2015).  Especially the thoughts about borrowing from family and how to look at my attitude to risk and other people's money,etc.  It was very useful to think about those things, and it did all turn out ok in the end, no family strife, no interference, all good stuff.  Grandparents get to see a lot of the kids and I feel a lot more secure than we did before when renting.   

    We did end up buying a doer-upper for £170K, in March 2016 for about £50K less than the one next door (because it needed a lot of work on it), and borrowed the £100K from my parents to do so. (the remaining £50K ended up this year being converted to a £50K gift, so have paid the other £50K off now then borrowed some back to help with the extension and then paid it off again, so finally own the entire house.

    We did it up ourselves (mainly decorating plus fitting and tiling the bathroom, and then more recently added a two storey extension (not by ourselves, with proper builders) which was done over lockdown (note - I don't recommend staying in the house whilst builders remodel the entire place over lockdown where nobody can escape and they can't easily get hold of materials, but at least it's finally done. )

    Then I fitted the new kitchen, downstairs bathroom, office, utility and refloored the whole of the downstairs.  Just the en-suite and patio left to do.

    No idea if we've lost money on it, I guess nobody loses money until they sell, but who knows maybe we have, haven't had it valued, but even the extension only took it up to a little more than next door sold for,  and that's not the point anyway. 

    Bought it to live in, not as an investment - to get away from horrible landlords shouting at us because one of the nasty cheap carpets they fitted had a stain on, and the grout in the bathroom was discoloured and making us feel like they were doing us a favour by letting us pay to live in their mouldy house.   Would have paid those scumbags at least £7200x6 (£43K) in that time

    I know nobody asked for this update, but there we are. Anecdote does not equal data and all that.  

    I disappeared off here in 2016 because  I didn't want to keep reminding myself that things could crash down just as we were buying.

    I came back today because I suddenly thought "I wonder if that forum is still going or if everyone eventually gave up fighting the good fight."  Glad to see people are still here, house prices are still ridiculous and ruinous for the country as a whole so I still hope they will go down soon.  But I can't say I regret buying when we did, even though at the time it felt like we were somehow betraying the forum in some way!

    Best wishes.


    *waits for someone to call me a troll/estate agent shill* (I bloody hate estate/lettings agents) but whatever, I guess reporting back that it worked out well for us in the end is a kind of trolling, but I don't mean it as such. 


  4. Alex Jones? Owen Jones maybe. Im not sure they'd let than wing nut near the place. :)

    Oops! Yes you are right, I meant Owen Jones!

    I've been listening to too much Cognitive Dissonance

    (they are always talking about the latest crap that Alex Jones has been saying!)

  5. They've gone all Cornbyinte if you look at the thread I started about PMQ reporting.

    I still don't understand what you were getting at there.

    The report begrudgingly said that Corbyn got off to a decent start at that particular PMQs but was soon bested by Cameron. Two other sentences in there said that Cameron got the upper hand.

    "the prime minister soon got the upper hand with a strong rhetorical point"

    "He (Cameron) also apparently solved Linda’s dilemma"

    "Cameron comfortably bested him on this topic"

    How can you possibly spin that as being pro Corbyn in any way?

  6. I don't get what you mean about it sounding like Corbynites have taken over?

    "the prime minister soon got the upper hand with a strong rhetorical point"

    "He (Cameron) also apparently solved Linda’s dilemma"

    "Cameron comfortably bested him on this topic"

    Hardly sounds like they are cheering Corbyn on!

    Sounds like they are waving blue flags in this article (after begrudgingly saying that Corbyn got off to a good start in this PMQs)

    Since the leadership race started The Guardian has been embarrassingly anti-Corbyn in virtually everything they have written,

    most of their regular columnists seem to despise him because he reminds them of how Blue Labour they all are.

    Occasionally they let Alex Jones write something positive for "balance".

  7. good as a short journey taxi service in city centres - swipe your card, get in, tell it where you want to go... but I wouldn't want to own one.

    That's the point really. Most people wouldn't need to own a car in these circumstances.

    Because it's self driving, it could easily be run as a car share or automated taxi scheme.

    You press a button to call one. The nearest car drives to your door in a minute or two.

    You tell it to drop you off in town, it does so, and then drives off to pick up someone else, or drives itself to the garage for refueling or repair to keep it in good condition.

    Then the same car or a different one picks you up when you are finished and drops you at your door.

    No need to own it or have it sitting outside the house for 95% of the time, or have to MoT or tax or insure it yourself.

    Will be far cheaper to subscribe to a service than own one (will work out cheaper than using a regular taxi because you aren't paying for the driver, and the robot taxi can be busy for 20 hours a day.

    My sister doesn't own a car in London, she cycles or uses public trasnport but if she wants a trip away then she hires a car for a week.

    An extesntion of that would be just to call one to drive you around - over whatever distance you wanted

    A nationwide scheme would mean you could get one to take you from the south coast up to scotland if you wanted (as long as the overall cost was no more than a train ticket or plane ticket), because there is likely to be someone else up there who wants to use it when you are done. It's going to completely change the way we think about cars.

    I appreciate that some people really enjoy their cars, but I don't think it is in any way the majority of road users. For a lot of people a car is either a luxury they can't afford, a necessary evil, or just a simple box to get from A to B to C because the bus is always late and the trains are crap. Offer them a robot car whenever they need one for an overall cost that is cheaper than either owning/taxing/insuring a car and cheaper or equivalent to regular train or bus use and I think most people will jump at the chance.

    I do feel a bit sorry for people who love driving and love their cars, because as has be mentioned on here, the move to self-drive will make things more and more expensive for "traditional" drivers as they will suddently be the most dangerous things on the road, and there will be fewer and fewer traditional cars built meaning they will become a true luxury item and more and more people will decide that it doesn't make financial sense to own a car and just hire one at the race track if they feel a real need for speed.

    Personally I can't wait.

  8. ""they" have been testing self driving lorries in pheonix arizona, trials kept secret for obvious reasons"

    Can't be that secret, as there have been loads of articles about self driving trucks in the media.




    Wonder what will happen to employment in vast swathes of the US loses their primary occupation?

    Automation of the entire distribution system must be coming in the next 5 to 10 years.

  9. The thing I've always hated most when looking for somewhere to rent is always the agents' descriptions of otherwise perfectly ok houses as having "an easy to maintain garden" which is t**t-speak for "the BTLetter concreted over the whole lot and now it looks like crap".

  10. Could I humbly request CH4 7 (or if there aren't enough results there, then CH4 generally)?

    I've been following pretty much everything in CH4 7 for a while now and there have been a lot of £10K reductions recently, although these won't be in the sold figures just yet, so not sure how things were going before then.

    A lot of stuff seems to have been up with no asking price reductions for over a year now.

  11. I think so.

    Type 'House p' into Google and the third suggestion is 'House price crash' - click on that and the first result returned is www.housepricecrash.co.uk/ :)

    There must be a lot of traffic to this site...what are the daily figures for visitors/guest users etc?

    Google's search results are individual to the person/computer/phone that you are using and change over time to reflect your own interests.

    You'd need to try your "house p" test on a fresh system or perhaps it might work in a Google incognito tab, to ensure that you were getting standard results and not ones skewed to your own likes/dislikes.

  12. If Labour get in and actually get around to building this million houses by 2020, how long do you think it takes to get from planning to final house? About 5 years? Although I guess they will just count a load of houses that are already being built as part of the total anyway.

  13. PS Count - I still maintain that I wasn't "trolling", or at least not intentionally. - Just looking for good arguments (against buying right now!) to pass on to family to shore up my HPC credentials.

    If there is indeed a noticeable increase in such "trolling" then perhaps it is an indicator of something but I'm not sure what it is an indicator of! - a lot of downsizers offering their kids money? (I thought thatwell had nearly run dry by now), a lot of 30 somethings seriously pissed off at their prospects? (as has been the case for a decade), perhaps a limit to how many years of beating people can take before they just throw in the towel and try and jump on the rickety looking bandwagon at precisely the wrong moment? (although there have been several "precisely the wrong moment"s in the last few years.)

    What is that line about the markets can remain "The market can stay irrational longer than you can stay solvent"?

    A lot of us feel like that at the moment, so the least we can hope for is some sort of swift mental breakdown (ideally for the market and not for us, but it's a close run thing!)

  14. I know of several downsizers, but that's purely people of my parents' generation, and anecdote is not the same as real data unfortunately.

    I know the anecdotes are true, but I imagine that they will be labelled as trolling none the less.

    I can think of 4 older couples that have recently downsized although can't vouch for how much HPI cash they were able to collect as they are friends of my parents and we are not in the habit of discussing money with them - for all I know they sold for less than they wanted to - but as all had been in their current places for more than 20 years, I'm assuming they skimmed off a healthy (unhealthy?) dollop of cream from their sales - more cream than milk in fact.

    My parents have ended up with around 300K cash left over after buying their new place - substantially downsizing and moving to a cheaper part of the country. Again this is an anecdote but it's also a fact, believe it or don't believe it, it's all the same to me. Anecdote is always skewed because people whose parents lost money or didn't make a small unearned fortune are unlikely to be posting on here.

    Anecdote is not evidence, it almost certainly can't be scaled up to national levels, but it can still be fact on a very localised level.

    I post this anecdote not to troll, but merely to say that I very much hope this downsizing opens up more family housing - my parents didn't need to be rattling around in their old 5 bedroom place so I'm glad they moved to somewhere smaller. I also hope that this selling off is very widespread because it means that people might have a feeling that a "crash is in the air" and they got out "just in time", so hopefully there will be a rush for the exits - lots of houses up for sale, prices forced down by a glut of property? - which I think is a good sign for a crash is it not?

  15. I've had a think, and sure I can hold out against family forces and circumstance for another year, especially if there are some stirrings after the election and some chunky drops before the end of the year.
    Enough to make those directly around me realise that housing is not a "one way bet". The thing is I've been saying this to them every year for at least the last 6, so I sound like a stuck record, playing a tune that fewer people want to hear. :/

  16. Thanks to everyone who has contributed to the thread - certainly opened up a can of worms and it is good to have (constructive) advice from all angles.

    Really good to have a place where I can ask questions like this - even if it has only multiplied the questions in my mind!

    I appreciate people taking the time to add their thoughts

    (sorry if that sounded like I'm at some happy clappy AA meeting)

  17. I've been on here a long time. you've practically just joined

    trying 700 posts instead of the customary 200 posts before coming out with This sort of thread just means your office is even less busy than the others.

    Liked the flat out denial at the start

    buy a house please. I won't to remember the idiot who was the greatest of the fools.

    This is the crash website, not the do you think I should buy website

    Head over to net mum's or money spanking expert.

    You've been a member of this site for only a year and a half longer than me. I've been a member of this site since early 2009.

    I've read a vast number of threads on here over the years, in fact I visit the site most days.

    And the threads I read - I always look out for your little bath icon because I value your opinion on things and think you'll usually have something interesting to say.

    Hell, we've even had PM conversations on here because I value what you have to say, regardless of which side of any given fence you are on in that conversation.

    So since when has the value of a member on this site been inextricably linked to post count and not to sign up date or number of posts read?

    I try to only post when I have something useful to add or have experienced something relevant, so no I don't have 15,000 posts but I find the assertion that "you've practically just joined" nearly as offensive as the suggesting that I spend time on Money Saving Sex Spurt or Wet Mums.

    I was genuinely seeking advice, I posted here because I felt like it was a community I am part of and feel welcome in - I am happy to get opinions on it from both sides as I haven't really made up my mind either way on what to do. (in fact you were one of the people I hoped would contribute because I value your opinion highly on here)

    I was also happy to take advice on all aspects of the situation - for or against or tangential to the question - some people have put forward views I hadn't thought of, some things I perhaps disagree with, but it's all welcome food for thought.

    - most people managed that constructively without insults or condescension - and thanks to them for taking the time.

    If you haven't anything constructive to say, then why say it at all?

    It's possible to read a thread without replying you know.

    Especially when that reply is just to abuse the person for not being as active a contributer as yourself.

    (I guess that is why my post count is in the 100's and yours in the tens of thousands)

    When did you get so high and mighty that you went from being a pleasant person to talk to and interact with, to being vicious and condescending, and ranking people's worth based solely on their post count, Count?

    Or perhaps you were just having a bad day, or are fed up of threads what sound like Bears capitulating. (Believe me, I'm filled with existential worry over this - hence me posting in the first place)

    I'm not the enemy yet....

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