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Berk-hater

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Posts posted by Berk-hater

  1. The house I am going for is a six yr old 3 bed semi. I've read a fair few websites suggesting just the Homebuyers report for something so new, but read other websites where some denounce those reports as not being noncommittal where potential issues arise and rather superficial.

    This is meant to be our home for decades so am tempted to try and get as many issues smoked out as early as poss, plus I'm a naturally paranoid sort anyway meaning I would suspect shonkiness in the build unless someone can reassure me otherwise. Structural survey might be worth the extra cost...

    That where my thinking is at the mo... what are your thoughts, opinions, suggestions?

    Is it not covered by a 10 year NHBC certificate?

  2. If you like it and you're happy to spend that amount of money (or saddlle yourself with that amount of debt) then buy it. If you've got faith in a HPC then don't.

    Can you tell me if I should buy shares in BP? Or should I buy a lottery ticket instead?

    Are there any pixies in the bottom of the garden of the house you're thinking of buying? If there are then I suggest you buy it.

  3. Well, there's a website called Rightmove you might want to try looking at.

    Alternatively there are some things that look like shops called Estate Agents, generally found on the High Street.

    If that's still a bit tricky you could call a chap called Phil Spencer, apparently he helps people who can't help themselves find houses; although he charges money for it.

    Or, for £5,000 I'll do it for you and cook your dinner and wipe your **** after you've had a shit.

  4. I'm in the same situation and I agree it's frustrating to say the least.

    However, I've tried to improve the situation by only renting from professional landlords. I know it's a faff having to sort the wheat from the chaff but my last rented was three and a half years, landlord was a bit ******** on the contract stuff but he'd been in the game for decades, would turn up in 5 minutes with his plumber when the boiler broke down and changed it faster than I could have got it done myself. He knew I was a good tenant so was helpful if I wanted to do things like re-lay the patio. I only moved for family reasons, but then ONLY once I'd found another good landlord.

    This place I'm currently in is falling apart a bit and the LL doesn't want to spend any money on it, fair enough, that's reflected in the rent and I like doing a bit of DIY! And after all, it doesn't really cost that much to sort out the garden, carpets and apply a lick of paint. But the best thing is that he has no intention of selling it, ever, so I can stay here as long as I like. I feel very at home, but only because I chose carefully.

    If houseprices don't want to come down then so be it. I'd rather live in this 3 bed 1940s detached house with practically no neighbours for the next 30 years if the alternative, for the same cost, is to live in a sh*tty little new build surrounded by the working class who I can hear watching X Factor next door.

  5. Perhaps you ought to have explored this issue prior to purchase. :P

    Inflation per say does not help you. The part that matters is how your wages change in relation to prices. CPI/RPI reduce the purchasing power of currency, and hence your debt, but that also applies to the currency you earn so unless your wage rises beat the rate of decline of purchasing power, your debt will rise in real terms. Simples.

    It's "per se" not "per say". From the Latin meaning from, through or of itself.

    Sorry, can't help myself. ;)

  6. I never felt more lied to by a goverment than with Blair, but Brown I always knew was a ******* disaster waiting to happen. I don't think Milliband is electable as a prime minister because he is really just an extention of that regime - up to his neck in it with Balls in tow. For all his bluster, he has no natural charm or guile, lacks sincerity, and he just has no connection to the man in the street. He is a political engineer of the worst kind, an expert exponent of sound bites and spin, and all that in combination, is not electable in the normal run of things at the moment. Should the coalition fail mid-term, he might get a crack at it, but over the normal course of things he has nae chance of being a prime minister.

    To be elected prime minister, at some point you need to stop mouthing sound bites, and deliver a message with clarity, integrity and most importantly appear to be honest in that you believe what you are saying. Listening to Milliband you don't ever get that; you just get standard politico evasiveness, avoiding answering direct questions, refusal to address hard issues, sound bite central - thats not a leader in waiting. I think he might be a patsy.

    I think you're absolutely right. It's going to take a bit of time for the general public to get used to what real leadership and action really means, looks like and sounds like, what "getting on with the job" is, what it really means to "do the right thing" and "make tough decisions". But when they do they'll cringe every time a Labour gobshite opens his mouth.

    The "hard working families" will eventually realise what a pup they were sold by Labour and like Mondeo Man of old will warm to the Conservatives.

  7. I see this as well. I think a lot of people are getting tired of the whole 'cuts' and 'austerity' rhetoric.

    Most voters don't really want to discuss economics on a daily basis and this is possibly where Labour are failing. They are pushing the cuts spin so much that most outside of the core left are totally bored with the issue.

    As such voters are somewhat turned off by the whole austerity discussion and not interested in discussing the cuts that they believe are innevitable and required. Therefore a government that gets on with the daily job and doesn't bother with daily discussion on the pros and cons of cutting or the rate of deficit reduction is quite likeable.

    I agree with you, for agreeing with me

  8. yer right, if the ywanted to get the ball rolling they would lower NI payments made by companies and keep corporation tax as it was, lowering ni rates would create more jobs.

    ********. Lower Employer NI would just increase profits for existing employers, they'd take it in order to keep up their margins. Lowering corporation tax would encourage business to this country and help prevent existing ones leaving.

    You listen to too much of that spin and crap that comes out of Balls's mouth, or is it his ****, I can never tell as they both spew shit and sound the same. You must remind me sometime who put NI up?

  9. I like to think that the Balls and Milliband show which is constantly on telly is boring the pants off the majority of middle England. Meanwhile David and George have decided to do what Brown only talked about, getting on with the job. They don't waste buckets of media time every single day "getting their message across". I think over time the current govt. will start to be seen as a committed serious govt., in contrast to the old spin and media wash that we became accustomed to under Labour.

  10. Boo hoo, someone's "hurting".

    Getting tortured by mad despots, that hurts. Having to take responsibility for yourself and your family is commonly known as "life".

    I don't care who suffers from the cuts, I just want the govt. to stop wasting my money. Don't like being on benefits? Get a ******ing job. You area not got jobs to your liking? Move across Europe like everyone else does.

    "WE should start a campaign". If you're that miffed about it, YOU start a campaign.

  11. I'd rather it helped new homes (increase supply) and put existing houses at a disadvantage (lower asking prices to compete)

    If it sucks all the FTBs into buying a crappy new box then it must surely put downward pressure on decent small houses. It's all irrelevant anyway, they'd need a trillon pounds of support to keep prices up from here.

  12. I wouldn't dream of buying a house now unless I could buy it for at least 25% less than the current perceived market value.

    +1

    The sort of money being discussed in this thread for what are fairly average houses is ridiculous. I'd rather rent for ever than saddle myself with that kind of debt. Mind you I'm the sort of person that would cut off their own head just to spite the majority of me.

  13. Car Insurance with direct line if you pay monthly they charge you 23% to 24%. Adds £50 to a £450ish premium.

    I have just had a nightmare trying to renew my car insurance. The auto renewal they sent to me was a good £100 more than the quote I just did. Admittedly, I reduced my mileage but...

    The guy I was talking to on the phone just kept talking IMPO sales talk to me and he seemed, IMPO, very very keen to get me to pay the lump sum in one go than to pay monthly. I felt that I was being quoted slightly different figures on occasions and it seemed impossible to actually get the quote that I had on the screen.

    Last year I did the same, ran them up and they matched my online quote within minutes. Today I think I was on the phone for 30 minutes, maybe more, and in the end told them to just cancel everything and I will use the online saved quote myself.

    I am mentioning this year as I felt there was a lot of sales pressure and almost an urgency to get the lump sum now.

    I've been with Directline for 12 years and 300,000 miles without a claim. Got my renewal notice which had gone up a bit. Rang them to discuss it and told them I now had an additional 3 points for speeding making a total of 6. They then doubled my premium for renewal. I told them to stuff it and I've got a deal with Aviva for less than last year's premium with DL AND with the points on my licence.

  14. Lower class - think of class a lot and are angry about it

    Middle class - think class is all about money and also think about it a lot, judgemental

    Upper class - class hardly crosses their mind, treat all as equals, could be rich could be poor

    Ah, now you're getting to the real question of what is class. Socialists see it as a material wealth thing, and that's what we've seen increasingly over the past 15 years. The reality is that class can never be bought. Posh and Becks upper class? Any millionaire footballer upper class? The Blairs? The Browns? Nope, none of them, they're all just rich gypsies as far as I'm concerned. Real class doesn't ostentatiously display wealth.

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