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House Price Crash Forum


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About Blackholeshine

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  1. My Halifax online current account is inacessible? Anyone else having this problem? Message says: Unfortunately we can't retrieve some of the account information you've requested right now. Sorry for any inconvenience this may cause you. Please try again later.
  2. According to the ”UK B2C E-Commerce Report 2012″ out today by yStats.com, 50% of all brick and mortar stores are expected to close by 2020 in the UK as the shopping and commerce continue to move online. “Aside from trends, revenue figures and market shares, the report covers the most successful product categories, Internet user and online shopper figures and the top players dominating UK E-Commerce.” “In the United Kingdom, not only does the number of Internet users continue to grow, but also the number of online shoppers. ” “Whereas in 2010, two thirds of the British population ordered products and services online, in 2011 this figure increased to more than 70%, compared to an EU average of less than half of the population making online purchases.” “Food and Fashion Items are important British E-Commerce Product Categories ” “In the first half of 2012, shoppers in the UK spent almost 35 billion GBP online, which shows a clear increase when compared to the previous year’s figures.” “Forecasts for 2012 predict an increase in B2C E-Commerce revenue of a high one digit percentage figure in the UK. “Fashion and sporting goods” were the most popular product categories in 2011, followed by “travel” and “household items”. “Other successful product categories were “movies/music” and “books and magazines”. “Online food purchases are also becoming increasingly popular. ” “Revenue from online food purchases is expected to grow by more than 10 % annually over the next few years.” “Fashion and clothing are likewise popular E-Commerce products in the UK. ” “Almost half of all consumers make at least one purchase per month in this category. Aside from purchases, researching product information about fashion items is also a popular trend.” “Mobile shopping is another growing trend in the UK. ” “As much as 5% of all E-Commerce revenue is generated using mobile devices. Additionally, more than half of all smartphone users have made at least one purchase with their mobile phones. Safety and transaction speed are particularly important for consumers in this context. Furthermore, researching product related information with the help of a mobile phone is widespread in Great Britain. ” “• As online shopping becomes more and more popular in the UK, it is expected that almsot half of physical stores will be forced to close until 2020.” “• B2C E-Commerce sales in the UK are expected to experience declining growth rates from 2013 on.” “Clothes, Sports Goods” (41%) was the leading online product category among individuals in the UK in 2011, followed by “Travel and Holiday Accommodation” and “Household Goods”. “Amazon.co.uk was the B2C E-Commerce website in the UK with most traffic in May 2012, followed by Argos.co.uk and Tesco.com.” “The three leading daily deal sites Groupon, KGB Deals, and LivingSocial sold almost 4 million daily deal coupons in the UK in Q1 2012.” “Founded in 2005, yStats.com is committed to the research of objective, demand-based and up-to-date data on markets and competitors for top managers from various industries including retail, home shopping, E-Commerce, telecommunication, logistics and energy. The Hamburg-based company is a specialist for secondary research with a clear international focus.” You can download the whole report, but its going to set you back 1,450 Euro’s Here
  3. Independent Article The Treasury faced demands last night to examine the extent of tax avoidance by the country's wealthiest homeowners who have transferred £25bn worth of property into corporate hands. The high-value properties are overwhelmingly in central London and about 500 of the homes, worth a total of £1.6bn, were transferred last year. On Cornwall Terrace, an upmarket conversion of eight imposing period houses overlooking Regent's Park in London, the average asking price is £35m, making it the world's most expensive row of Georgian mansions. Every home sold has reportedly gone to an offshore company, meaning the buyers would have to pay only £52,500 to buy shares in the company, instead of £2.45m in stamp duty at 7 per cent. ...tax experts say the real challenge is closing an inheritance tax loophole which enables foreign companies to avoid the 40 per cent tax payable when a property owner dies.
  4. Daily Telegraph article The main issue in housing today is the lack of availability of mortgages, said the industry veteran, a problem which he laid at the feet of the regulatory authorities. “Financing is the problem, the biggest issue of the day, but even if we were able to overcome the finance issue, planning is a massive obstacle,” he said. Fellow housebuilders echoed his call for more changes to the system. Stephen Stone, chief executive of Crest Nicholson, said that in some instances submitting a planning application for a development could cost up to £3m to file and entail sending “a truck full of information to go to the planning office which nobody reads”.
  5. Guardian Article European crisis plus rising grain prices combine to make land attractive to Greek and Italian investors as well as City bankers
  6. Daily Mail article Some 3 per cent of those who rent privately have been unable to switch because of restrictions in their rental contract, whilst 7 per cent were expressly told by their landlord that they were not allowed, according to research by comparison website uSwitch.com.
  7. It's the ultimate flatpack to challenge even the keenest DIY enthusiast - a kit of wooden pieces that can be clicked together without nails or concrete to create an entire two-bedroom house. Daily Mail article
  8. http://www.dailymail.co.uk/money/mortgageshome/article-2188731/French-house-prices-warning-British-owners-hit-15-tax-hike.html But: "French property is still likely to look attractive to British buyers even with the market catching a cold and higher taxes if they sell."
  9. UK housing costs the third highest in Europe UK families are among the worst off in Europe when it comes to housing costs, spending more than 40% of their household income on rent, mortgage payments and other living costs, according to the housing charity Shelter.
  10. Today in the Telegraph: http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/9275467/Mortgage-market-freezes-up-as-Santander-scales-back-on-lending.html It is estimated that the Spanish bank's share of lending through brokers has dropped from 25pc to 14pc in recent months, and could fall further as the crisis in the eurozone intensifies "Those who want a good mortgage deal should act sooner rather than later, in case the market seizes up altogether," said Ray Boulger of John Charcol, the mortgage broker.
  11. http://housingstory.net/ or http://www.businessinsider.com/30-charts-you-must-see-before-buying-a-home-2011-4#-1
  12. http://www.businessinsider.com/why-i-am-never-going-to-own-a-home-again-2011-3 Financial: A) Cash Gone. You have to write a big fat check for a downpayment. “But its an investment,” you might say to me. Historically this isn’t true. Housing returned 0.4% per year from from 1890 to 2004. And that’s just housing prices. It forgets all the other stuff I’m going to mention below. Suffice to say, when you write that check, you’re never going to see that money again. Because even when you sell the house later you’re just going to take that money and put it into another downpayment. So if you buy a $400,000 home, just say goodbye to $100,000 that you worked hard for. You can put a little sign on the front lawn: “$100,000 R.I.P.” Closing costs. I forget what they were the last two times I bought a house. But it was about another 2-3% out the window. Lawyers, title insurance, moving costs, antidepressant medicine. It adds up. 2-3%. C) Maintenance. No matter what, you’re going to fix things. Lots of things. In the lifespan of your house, everything is going to break. Thrice. Get down on your hands and knees and fix it! And then open up your checkbook again. Spend some more money. I rent. My dishwasher doesn’t work. I call the landlord and he fixes it. Or I buy a new one and deduct it from my rent. And some guy from Sears comes and installs it. I do nothing. The Sears repairman and my landlord work for me. etc. Read more: http://www.businessinsider.com/why-i-am-never-going-to-own-a-home-again-2011-3#ixzz1H5kSZETI
  13. 2,000 years from now people will be worshipping Gordon Brown in the same way they worship Jesus Christ today! .. .
  14. “There are simply not enough jobs, which is why too many graduates are either serving coffee at Starbucks, or the equivalent, ...She also attacked students who felt that it was their right to gain employment. http://www.telegraph.co.uk/education/educationnews/7415643/Graduates-condemned-to-coffee-shop-jobs.html http://starbucks.co.uk/en-GB/_About+Starbucks/Careers+at+Starbucks.htm . . .
  15. You have to be registered to see the comments. If an employer can pay less than minimum wage for entry level jobs when it is time for that person to get a higher wage the employer will simply not renew that person's contract and get another person to graft at below minimum wage. This will be done endlessly. This would be just another way for employers to exploit employees.
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