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c_f

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About c_f

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    HPC Newbie
  1. "We are not worthy!" ?? wtf?? If you are not worthy, then either you sell yourself short or you are an amoeba piggy-backing on a flea. I'm sorry but I felt that the article was dull. Is this thread merely another back-patting excercise? Why am I even writing this? Jeez.
  2. Oh dear zzg, that's a BIG caveat, as you well know and it completely changes the impetus of the comments made by RJG and yourself. Fundamentally, a defaulted payment would flag you up in the lenders eyes immediately as a current potential risk, which is very different from the lender systematically going through it's books and chasing every BTLer in negative equity. It does sound like scaremongering when you look at it that way IMHO. I'm with BBB on this one, as I don't see any evidence to support RJG/Vans comments. Of course, I am open to have my mind altered
  3. I suppose it's always best to specify thicker chipboard sections. We had to do a Doctor's Surgery and the contractor mistakenly ordered 18mm chipboard for the floors. The deflection was horrendous!! It was like a trampoline. I think we specified 25mm chipboard, and the deflection is negligible. I quite like the 'softer' underfoot feeilng anyway (is that weird?) By the way, the floor joists were timber as well and we haven't had any problems with warping over time. I assume that timber joists/chipboard are a better combination than concrete/chipboard - better air circulation...? General
  4. It's true that cavity construction is, on the face of it 'a natural' for our climate. However, the cavity wall also relies on workmanship to keep the water out. Unfortunately, I have seen endless cases where the cavity has been bridged for various reasons (often due to insulation not being tied back or mortar being dropped into cavities by brickies) thus causing damp to the internal leaf. And that's expensive to fix if it isn't checked during construction. There are hugely varying climates in the USA, and Canada for that matter where timber frame is successful so it isn't a simple case of s
  5. You still have to plaster a dry-lined wall. It just means that you put some battens along the wall, tack some plasterboard to the battens and then plaster over. What's nice about it is that you get a 'services-cavity' behind the plasterboard. You can get dry-lining boards that are pre-finished, but they aren't great for a smooth (plaster) finish. This is why timber frame is so great. You don't have so mmuch 'wet' trades (brickies/blockies) slowing up the process and bringing thousands of litres of water into the equation. That's right. It's a pain. You have to detect the timber fra
  6. Timber frame construction is not an inherently 'bad' method of construction. What you have to understand is that a poorly built masonry (ie block/cavity/brick) house is just as bad as a poorly built timber frame building. In my view, timber frame is the only current method of construction that is even remotely sustainable and this probably makes it a winner in the medium to long term for domestic construction. It's also far quicker to build than brick/block as the frames are factory-built - a block of, say six flats can be watertight within a week of the frame arriving on site. This method
  7. Oh dear. Webmaster - the site has degraded into a farce yet again. I thought that we had done away with this stupidity when it was decided that registering would be introduced. bottom feeder: FYI, my previous moniker was coldfusion, and so c_f was used for the new board to avoid an overlap (and because I lacked the imagination to come up with a deep and meaningful, or even topical name). Anyway. I've read BBB's posts in the past and hated him at first, but enjoyed his ability (and TTRTR) to stir up reasoned responses from the more adult posters. Also, I really don't believe that TTRTR is
  8. Belittled? Do me a favour! So, if you take the p*ss out of somebody - it's a laugh? If they take the piss out of you - you are being belittled? Purrleease.. Are you an adult?
  9. I don't want to labour this little off-thread discussion, but I'm always amazed how many of the (terminally one-sided) posters on this forum are happy to take the p*ss out of btl'ers/landlords/owners etc, but can't take the slightest jibe at themselves. It's that HPC hypocrisy rearing it's very ugly head once again, I'm afraid!
  10. zzg: As you can see by the use of emoticons, my comments were tongue in cheek! There is a difference between a troll post and a lighthearted post. Maybe it's lost in translation. dom: I commend you on your constructive response Sheesh
  11. If all tenants refused their rent increases, there would be cardboard cities springing up all around the place I say, the landlord is weak and should kick your butt the hell out! Apparently, there are lots of people out there renting rather than buying, therefore lots of prospective replacement tenants
  12. ...or could it be that it's not such a forgone conclusion! Maybe they're cautious because they're just not sure. (40% drops, I mean)
  13. Starcrossed: I agree with you completely. The amount of tax we pay is, to some extent a red herring. The important thing is where that money is spent. It's a matter of personal principle (and politics) as to whether you want the government to redistribute your money 'fairly' or whether you'd prefer to go it alone. BTW, I appreciate that this line of discussion is actually tangential from BT's original post. All that your saying is that 'predictions' of overvaluation should take into account tax rises, which is fair enough. Not sure how fundamental it is to the crash theory though.
  14. Despondent, you really are a big whinger! At 23 years of age I had the same kind of debt, but after seven years of earning a living, I could finally (just) afford to buy my own house. I was never under any illusion that I could afford to buy my own house at that age!! Grow up and get your a*se into gear buddy. Sheesh, people really do want everything now, don't they. btw DrBubb's advice to ensure that you don't get into any more debt is totally sound. I did get into more debt (cc's, car loan) and it hampered my house buying power for a long time. Anyway, happy house hunting (in 2010!
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