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CommonSense

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About CommonSense

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    HPC Poster
  1. Well everyone can either wait for the crash or make the crash happen, I bought in Oct 2008 for 25% off asking price, borrowed 3.5 times my one income (excluding O/T bonus) popped down 20% deposit that was saved during renting a lovely dump (honestly I loved the place) with no heating/carpets etc. The house (3 bed semi off road parking etc) I bought was 165,500 (original price) to 122,500 (sold to me price). Got 25 year repayment. The chronology of the transaction does not matter, the price is what matters. Back in my part of the country back at market top, there were 15 sellers for every b
  2. I like your method of arguing against something I didn't say, no wonder you have almost 10000 posts in a year, I'm sure loads of us didn't say many things in that time for you shout your opposition.
  3. Each makes his own decision, I'm buying right now, 22% off 'market top', 21% deposit, morgage is 3.6 times my one average salary, 25 year repayment, fixed for 5. One wife , two kids , three bed house two bathrooms off road parking, garden etc etc, half decent area. I'm expecting housing values to keep diving, but I'm after a home, not an investment, Not bothered if prices drop further. I always said I would buy when I get to 3.5 times one wage packet (ok so I also said with 10% deposit), but it's the right thing for me. I'm well within my minor tolerance of tradition affordability. Thank yo
  4. I've rarely known the English to support Wales in sport. Just read Simon Barnes or Jeremy Clarkson as examples. My experience is that English tend to cheer for any team playing against Wales.
  5. Here's the letter I wrote to my MP (Lib-back-bencher) in April 2006 "Dear ####### I hope this letter finds you well. I know you are busy so I value any time you have. The gap between rich and poor is widening by the second. The foundations for this lie in the greed and corruption that underpins the countrywide property market. I know this is issue neither your, or your party’s doing but you are my only conduit to those who pull the strings. I need your assistance. I am writing to request that you use any influence you have to help highlight the urgency for substantial price correction
  6. Glad you agree. Get them off to make room for some andalucian indie, thrash jazz and other such untested fusions, all played by the pallid and seething offspring of suicided buy-to-debtors on inexpensive guitars.
  7. One huge positive of the looming and highly inevitable recession is that some decent songs and/or music will be released. There is nothing quite as lame as the pseudo-sentimental churnings of a happy and prosperous songwriter/composer. Just a thought.
  8. "Girl In The Office Struggling To Pay Her Mortgage" er, diddums, my heart it doth bleed, Aw there - there, Oh- how I feel her pain, her anguish only goes to twang the heart strings of my sympathy, oh woe is the poor orchin who ..... etc-etc-blah-blah-whatever
  9. All this microanalysis of the current economic pandemonium is all very nice but ... What I want to know is when prices will drop by a third. That is when I (with my slightly above average wage, ten percent deposit, zero debt and perfect credit history) will buy a home for my myself and my family to live in. The question used to be 'will it?' now the question is 'when will it?'
  10. I'm pro-life with regards to the unborn and pro-choice regarding euthanasia of the over 50's (meaning my choice not theirs). I make no apologies for this.
  11. One thing that never goes up is the chances of a healthy conception the older you get. Many overstretched idiots are going to miss the offspring boat and end up as sad lonely old crones without the cheerful voices of exhuberent grandchildren playing echoing through the tepid vestibules of their 3 bed semi detached millstones. Gents with every passing second dies the next cell cluster in the nutsack of the future opportunity. Ladies, ovaries are never what they were last year. Sun dried apricots, tick-tock, tick-tock. Evolution works in mysterious ways.
  12. My charge out rate is £150 an hour for guidance.
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