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Posts posted by Jester

  1. Well my ex dumped me when she won the lottery just after Xmas which speaks volumes despite all she said!

    So now I know why the oldest profession in the world is the oldest profession in the world and its easier, cheaper & a lot less hassle to see an escort or have casual relations than get married imo plus the UK laws & society are very biased towards women problem is they dont know they have it so good!

    The law is not biased towards women at all that's a fallacy. There is a lot of evidence that men do better in divorce. They have a better lifestyle after divorce and have fewer responsibilities.

  2. I can't for the life of me see why people get married in the first place, apart for religious reasons, and if you're that commited to your religion, chances are you won't split up because of it anyway.

    My internet is awful, so I can't find the clips, but have a look at Doug Stanhopes take on it.

    'Baby, this relationship is so good, we have to get the state involved!'

    He also points out that you're signing a legal contract to love someone for the the rest of your life, signing a contract based on an emotion. Its like signing a contract to be scared of spiders for the rest of your life.

    You can be just as faithful, committed and loving without that bit of paper and the signatures and if its passing on of property etc in case of death you're worried about, make a will.

    The whole thing seems like a bit of an insecurity trip. Maybe I'm just too cynical though.

    I think for me it was the way that I was brought up but I like the way you express yourself.

  3. There's a lot of stuff written on this thread that I can associate with. I was a bit naive when first going through my divorce in that I thought that it could be settled amicably, for any blokes at this stage remember that she's probably been planning this for months and has been getting all sorts of advice off of her friends on how she can shaft you for as much as possible. Sorry if this appears like woman bashing but I just don't think your average blokes has this grab grab grab mindset when splitting up.

    One thing that did make me chuckle was that she used her solicitor for every single communication she made to me, even when a simple email would have been sufficient, e.g. for arranging with me to come round and sort out our CD collection! Luckily my solicitor would just pass these letters on to me without charge and I contacted her solicitor directly. I don't think she realised (until the final bill came) that her solicitor would eventually charge her £70-80 for each letter :lol:

    I'm sorry but my ex (a man) was all grab grab grab. He hired a van and took the furniture when we were all out at work/school. He even transferred the TV licence to his new address!

    I'm glad to be rid (now) I can tell you. It was very tough for a while. It didn't need to be but he seemed to want it to be.

  4. I'm a bit shocked by the bitterness and cynicism in this thread, not to mention misogyny.

    I've been in casual relationships, I've been in a stressful marriage, I've been single, and I am now very happily married. There is no doubt in my mind that the latter is by far the best way to live.

    It sounds like you all just married the wrong person. I did that once but luckily got another chance.

    And took it.

    Best bit is - the second Mrs Yogi owned a very nice house!


    Congratulations to you - I could do with something like that happening to me. :lol:

  5. I assume you're sitting on a big stash of STR cash, so have patience. I get the feeling that most people that haven't managed to sell by the end of the summer won't be able to sell until Spring 2010 unless they're willing to discount heavily.

    And we've got less than a year left of Broon. It's pretty much taken for granted that Cameron's the next Prime Minster. Expect spending cuts, tax hikes and a complete change of sentiment in the housing market (a mortgage will be viewed as a millstone rather than an asset).

    Erm.........yes you assume correctly. And I do worry about what to do with it all - lol.

  6. Hah! I have been out of the market for over a year now. and I am still seeing houses sell for tens of thousands less than I offerred months before. But the funniest moment was getting a call from an agent, just as we pulled up outside a house for a viewing, saying that as we were going to be the first viewers for ages , the vendor has decided to put the house price up £25k. We laughed ourselves stupid! Didn't go in of course, and yep, its still for sale. The agent sounded suicidal.

    So many people will regret not accepting offers. I have had the opposite though,a vendor said " we are planning to go into rented" when I asked why they are selling? Refreshingly honest.

    I reckon we will be out of the market for at least another year. Funny old world eh? I am beginning to enjoy the sense of freedom I get from being able to move when I like, now that I am a tenant.

    Yes I've had similar experiences.

    I also like being a tenant but I have a wonderful landlord. If I get a dripping tap he comes out the same day to fix it - wonderful.

    I do worry about what to do with my money though -especially as I don't know when I'm going to buy my next house.

  7. I've just read this thread with a massive smile on my face.

    I got divorced 5 years ago and have made sure that I have remained single ever since.

    My ex went off with a new partner leaving me with our three beautiful kids. Ex didn't work then. I did. All of my money went on the kids and our home.

    I had a solicitor work free of charge for me (bless him). My ex took me to the cleaners. Ex got 65% of our assets due to being too ill to work. I got 35% and our three kids with no maintenance what so ever.

    Now I'm happier. I've survived. And yes I'm a woman who was faithful to her man for 30 years.

    PS Ex now earns as much as I do. Somehow he managed to get a doctor to send a letter to court to say that he was too ill to work.

    So guys stop being so biased against women.

  8. There certainly seems to be a stand-off at the moment with potential FTBs who have the necessary deposit and could get mortgage finance still holding off what they perceive as being massively overpriced property (not just people who visit HPC regularly). Whereas a couple of years ago, people were prepared to go to any length to jump on the ladder because of the promise of ever-increasing HPI, it seems to me that FTBs are actually beginning to think about the sums of money involved (£250,000 is a quarter of a million pounds and far, far too much money for a 1-bed flat).

    At the other end of the scale are the sellers who are heavily in denial, who can read 15 gloomy economic articles but only really pay attention to the one that pops up in the Express or the Mail: 'House prices are soaring' or some such rubbish. They will NOT sell if they don't think they'll get 'what it's worth'.

    My OH's parents epitomise this thinking. They live in a large detached house in a leafy home counties suburb. Their three children left home over 20 years ago. Last year the OH's mother was diagnosed with Parkinson's disease. She can no longer manage stairs, so only gets the benefit of one of their three storeys. They looked into selling last year with a view to buying a bungalow, which would be much more appropriate for their needs but the valuation wasn't nearly as much as they think it's worth.

    So, they choose to rattle around in a huge house which becomes more and more unmanageable for my OH's mother rather than sell at less than they think it's worth. This despite the fact that they've owned the house for over 30 years and would have made hundreds and thousands of pounds profit, even at 20% off peak values. They could have easily offloaded it in the Spring/Summer sucker's rally and be living somewhere far more comfortable. This house will not come onto the market until either nursing/care bills get too big for my OH's father's gold-plated public sector pension or as probate in years to come. Either way, it will go for a whole lot less as a forced sale.

    That's a sad story - I'm sorry.

    But yes it seems that there's so many people playing at this game. I sold my house in Feb (in that rally that you mentioned). I've been looking for a new house ever since. I can't find one. There are few on the market and none that tick my boxes.

    I did see one house but it seemed over priced to me. It had been on the market for a long time. The seller wanted to downsize. I said that I may be interested but I didn't think that it was worth the asking price. She said if I don't get that price I'll keep it. I said ok.

  9. Surely it's the basic laws of supply and demand.

    There are so few houses on the market to buy that the prices are being kept artificially high. Only people with large deposits can afford to buy them. Eventually the people who have to sell will have to sell and the prices will come down. This will enable those people with smaller deposits to buy them.

    I believe that it will trickle through eventually.

  10. Have you thought about trying to rent privately? Advertise on Gumtree, check your local paper, even newsagents' windows. Direct landlords are usually far more interested in making evening appointments and you don't have to pay a letting/estate agent's iniquitous charges either.

    Oh ok thanks for that I'll give it a go.

  11. Thanks everyone.

    I do want to find a place to live.

    And yes I am most probably wanting to rent a place.

    I do seem to be having trouble getting through to EA's so maybe a change of tack is needed.

    I am a bit old school though and if I were an EA (which I'm not) I would jump through every hoop put in my way to keep a customer satisfied.

  12. I thought that I should make a massive effort to find somewhere to live. I have to be out of my current home by the end of July. Motivating myself to look is quite hard work. So this week I've sent off a number of emails to estate agents about specific properties from rightmove.com.

    So far I've been underwhelmed with one response. The EA asked me for what property did I email him. I said that I didn't know because I'd sent off a number of emails a couple of days ago. He said if you can't tell me the property that you're interested in I can't help you. I said doesn't it say on the email? He said I can't find the email. Anyway he left it saying that he couldn't help me!!!!!!!!

    I'm in shock.

  13. Not the case! This is probably just more evidence of the tactics the EAs will use to entice the general public into buying a house. It is clear that the number of enquiries is up, so the EAs already have people in their doors.

    If in 3 months time they can show a potential buyer this property for £350k and the buyer offers around 10% less (roughly the differential between asking and selling prices) at say £310k, then they can accept the offer and the un-informed buyer may feel they have got a bargain.

    This is a short-term sales strategy to give the seller the opportunity of getting something near their original £314k price over the coming months.

    I don't think for one minute many people on this forum would fall for this, but for the general populus the feeling of a 'bargain', no matter how thinly veilled, is too good to ignore.

    Yep yep. I've just sold my house and I was amazed at some of the things my potential buyers said.

  14. it's reverse psychology lol

    Yes it maybe actually.

    You need to get inside the head of the vendor/EA.

    Why does rightmove.com have a minimum price on their search? I never use it. I type in my maximum price and leave the minimum price.

    But maybe, just maybe, there are some people out there, who like to think that they have a minimum price. You know the ones - these are the people who say that their house is worth a quarter of a mill rather than £250,000. But those same people couldn't possibly buy a house for less than £250000 because then they can't say a quarter of a million. Do you see what I mean?

    So this vendor/EA thinks that by putting the price up to a nice round figure of £350000 from an odd figure of £314000 thinks that they will tap in to some people that wouldn't otherwise have had the chance to view this salubrious property. And that could bring forth the one to buy.

  15. They have a point, I rent a private house a couple of streets away from some housing assocation homes and some of the occupants are nothing but trouble i.e. load music, the freaking illegal motor bikes and underage drinking etc.

    Yes they DO have a point. Let's face it - most people are fine, most people want the same things in life, but it only takes 1 to ruin it all for everyone else.

  16. I'll explicitly state that. It's pretty obvious. Not sure it will change all that much though.

    I am sure that most of Scotland (other than edinburgh) is in that category. Fairly sure most of northern england and wales would be as well. Suspect the southern half of england would be the opposite though, mostly doesn't make sense, with just a few enclaves where it does.

    Not sure this is (or even should be) of any concern at all to anyone who takes the sensible view that holding property should be a long term investment. I don't care what the price is today or tomorrow or next year or in 5 years, but I care greatly what the price will be in a few decades. "Holding losses" wouldn't bother me at all, for a few years at a time.

    So bearing all of the above in mind I have an idea.

    I think it makes economical sense for me to rent a house for my self in the Midlands where property prices are over inflated (still) and rent prices are low. Then I could buy a house in South Yorkshire and Liverpool (yes that's two houses - mortgage free) where property prices are cheaper and then rent the properties out to my children and some of their friends who are studying up there. What do you think?

  17. APaying for a house tends to enforce a kind of saving by paying for it. I think the majority would be delving into their investmenrs for holidays etc and not build them up to a house level. I know some who have inherited ahousebut i dont know of many who inherit a big lump gained by other investments.

    I get your point and agree with what you say. But it does confirm that houses (homes) are not an investment doesn't it?

  18. I've just been thinking of something else.

    My Dad bought a house 50 years ago. It cost his £1500. To buy this house he took out a mortgage which (at times) he struggled to pay. He's extended the house several times. Sometimes he's knocked down an extension as well. He's painted and decorated and done loads of other things. He's spent an absolute fortune on the garden, which looks fabulous. Most importantly it's been a home. The house is now worth about £150000. What do you think? Is this good or could all of that money been invested somewhere else and Dad rented?

    Just a thought.

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