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House Price Crash Forum


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Posts posted by Dicky

  1. Some of the replies are quite good. I think one of us wrote this one:

    He would be a terrible PM. He's the man that has created a lop-sided illusory economy based in little more than cheap-import fudged inflation statistics, loose lending-fuelled house price mania and mind-boggling consumer debt - an economy failing fast. He's second only to Tony Blair in believing his own fantasies.

    David, London, UK

    David Blunket, good lad.

  2. Tonight With Trevor McDonald, ITV1, 20.00 - 20.30

    "As the Government calls for a million new homes, Jonathan Maitland looks at the increasingly bitter planning rows between developers and residents."

    I really can beleive folks watch this cr4p, Trevor is a media tart, he will latch onto any topic to start a riot.





  3. She’s a pensioner you dim wit – so she should sell something to pay her bills perhaps she could take the bus and sell her car. I don’t know how hard up she actually is but if she cannot afford her taxes then she is probably living above her means. I don’t think I should pay more taxes so that she can have a life that meets her expectations rather than her savings

    Scrapping council tax for pensioners would mean about 10 Billion lost revenue for the govenrment, that would mean income tax would have to go up by about 4p in the pound for normal tax payers, who wants that lets see a show of hands.

    What no hands,

    Right with that sorted lets see what we options the old timer has.

    1) Sell her houses and and scale down,

    2) Sell her houses and move in with inlaws.

    3) Sell her houses and move to Spain.

    This woman has options, why should FTB's without homes paying 50% of income in rent paying tax working in MJobs subsides her.

    Then again one could always argue this government should raise the tax threshold for the super rich to beyond 40% as it has been for centuies to pick up the short fall but then that will be a vote losser. ;);)

  4. In a couple of years time I intend to actively pursue houses in the 285 - 325k range with a cheeky 250 k cash offer in the hope of getting some extra leverage about the stamp duty limit, probably on two ot three different houses at once and let the EA know you have other offers in (or just lie). Well timed in a falling market this tactic could reap rewards. You are almost certainly going to get rejected at the outset but a couple of month of extra MOM falls can soften up the hardest of vendors especially when the EA needs to put food on the table.

    Not likely to happen, 250K to 300K houses are under valued due to the 3% Stamp duty, as this threshold rises with general inflation so will the prices. Nice try though.

    Below 200K should remain strong due to affordability and FTB entering the market, 1 bed flats for 140K are going to starting tanking it soon as BTL investors start soiling their pants as more FTB start buying and so fewer renters around and also a due to a general over supply of properties in this market area, you know the ones stack'em high on waste land developments.

  5. Spot on!

    That's exactly what we did, bought Dec '95 and took low interest mortgage on 4 bed detached, continued to save as much as possible and paid it off Dec '00.

    Hard work, things were tight for a while but we haven't looked back since.

    Let's hope this crash allows savvy people to do the same thing.


    I'd hate to weewee on your chips but with the FTSE rising at currently 15% and mortgage rates just 4.5% fixed for 5 years, wouldn't now be the time to have a mortgage ticking over and the rest invested in the stock market.


  6. The late Mr Hicks once said.

    The world is like a ride at an amusement park. It goes up and down and round and round. It has thrills and chills and it's very brightly coloured and it's very loud and it's fun, for a while. Some people have been on the ride for a long time, and they begin to question: Is this real, or is this just a ride? And other people have remembered, and they come back to us, they say, "Hey – don't worry, don't be afraid, ever, because, this is just a ride ..." And we ... kill those people. Ha ha, "Shut him up. We have a lot invested in this ride. Shut him up. Look at my furrows of worry. Look at my big bank account and my family. This just has to be real." It's just a ride. But we always kill those good guys who try and tell us that, you ever notice that? And let the demons run amok. Jesus murdered; Martin Luther King murdered; Malcolm X murdered; Gandhi murdered; John Lennon murdered; Reagan ... wounded. But it doesn't matter because: It's just a ride. And we can change it anytime we want. It's only a choice. No effort, no work, no job, no savings and money. A choice, right now, between fear and love.

    Alot of folks have alot invested in this ride, it ain't going to tank anytime soon.

  7. Hope to buy in the next two years. Primarily looking at Wiltshire area, but that may change as I have a lady friend (which is early stages) who doesn't live in the area.

    Would like to buy a semi or even detached if possible, but would be 3 bedrooms and a decent non-overlooked garden. Hopefully will have £40+k to stick down

    could have more if I changed my lifestyle, but I could be dead tomorrow so screw that!  :lol:

    Is this George Formby, tried to Google it but drew a blank.

  8. There are time limits on spred bets, not one which i wouold either like to be limited to or even try and call acurately.

    Spread betting is good if you have info the rest of the market don't have, such as takeover info or profit warnings from an insider, this is now frowned upon by the FSA so not advisible, the only other option is to take your money convert it into £1 coins and throw it at passersby, like spead bettting you'll loose it all but at least you'll have a bit of fun in the process.

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