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hpcwaiter

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About hpcwaiter

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  1. so move out and make clear that you'll be taking your turf with you
  2. Interesting idea - but you are entirely mistaken about there being no difference between a user and an administrator of a computer system. The users follow processes to perform functions, however the administrators must be able to configure users, and diagnose faults with the system. As an 'IBM Certified Professional' I can tell you that the users are 50% of the time barely able to tell you what software they're using. The rest of the time the IT 'experts' in the user pool have cocked something up while doing something they shouldn't be doing, and are unable/unwilling to tell you what t
  3. Surely this depends on where the property is! If it was in Liverpool it may be a lot less than Brighton. I would not pay more than 100K for a 1/2 bed flat anywhere outside of London! Lived in one for 3 months of about the same age (built 2002), and the build quality was non existent. Given the numbers you're throwing around, and the length of time on the market, I'd say its unlikely they'll get the current asking price,and will continue to reduce..... It's currently only had about a 15% reduction - realistically this is going to reduce further as interest rates bite (which they must
  4. Thought you lot might be interested in this.... IPSA are currently having a public consultation on MP Expenses - I put in the response below. Why don't more people tell the elected representatives to be respectful of the public's cash - maybe we'll get somewhere! Links : Main IPSA site http://www.parliamentarystandards.org.uk/ Expenses Consultation site http://www.ipsa-home.org.uk/Consultations_January2011_Annual_Review.html [HPCWAITER] to schemeconsulta. show details 7:42 PM (1 minute ago) Dear IPSA, I do not believe that MP's should be allowed in any way to profit beyond wha
  5. So, in the event of proper financial collapse, I think it would be a good idea to be holding bricks and mortar, with a bit of land. Question is - at what point does the whole lot collapse (there'll still be 'ownership' even if the currency is lost!)?
  6. problem then is your searches and mortgage, when bidding in an auction. Has anyone done this? Its a bit of a fuzzy area to me!
  7. Do you know, I've never looked at the top end up here - 18 in Leeds above a million, and 291 in Yorkshire. A couple of them are blocks of flats (one in Bradford!), which I suspect are going to be hard to shift!
  8. I'm wondering what anyone thinks of the current auction market. Do you think that the properties sold in current auctions are still highly overvalued? I have looked at some of the links posted previously and in some areas of Leeds they're going close to guide price, and others they're rocketing past. Do you think current auction guide prices are close to actual values yet?
  9. I should have asked which area you were looking at too - I'm expecting the drops to vary quite impressively. I am in Leeds, where a city centre-new build-2 bed flat is still more expensive than a three bedroom semi detached in the area I currently live - and it's quite pleasant really. When the market drops I think there will be a lot of shocked people, and I'll be able to pick up a nice house at a reasonable price. I reckon in Leeds there's got to be 30 - 40% off today's price to make prices reasonable - there are thousands and thousands of houses here for sale!
  10. Kevino, I think I spot the flaw in your plan. Unless you and the wife are moving in with your mother-in-law, you are paying 40,000 for a house but not getting anywhere to LIVE for your money. And you wont be earning any rent (read: interest) on the money you have put down. Where is the house your mother in law lives? Is it a terrace? I'm curious to see what you consider to be a 40,000 house. I'm in Leeds - there's one for 40K going to auction thats just round the corner!
  11. Telegraph article here This might actually cause a temporary rise as people rush out to re-mortgage/buy before they cant borrow so much - We're thinking 6 months to a year will be a good time to buy, at a substantial discount to asking price. Assuming prices are down 10% by then, I'm thinking another 30 - 40% off us reasonable. I might even settle for paying more if I found a place I really liked. How long would you leave it from now to buy assuming that HERE marks the tipping point and its a long way down? What discount would you go for?
  12. I had fun with this one - my reason for why I thought property would be cheaper in a year was a simple two words 'Socio-economic collapse'. Then they asked me to look at a photo of a new build and describe it. I did - mentioning that it would probably have paper thin walls and possibly unstated structural defects - every 'new build' I've ever been in or rented has been falling to bits - with walls and under-floors full of rubble and all sorts. Then it was how I'd describe these 'newly built flats' that translated as 'Slums of the future'.
  13. If you're in the UK, it is TD Waterhouse, not TD Ameritrade. TD Ameritrade is US based, and TD Waterhouse is UK based. Both are owned by Toronto Dominion Bank. You will be able to hold US stocks with a TD Waterhouse account, though as the previous poster noted there will be tax forms to fill in!
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