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Froggee

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About Froggee

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  1. I wish I'd been more aggressive now. I applied for the max 20 session but mainly popular ones in cheap pricing categories (with a couple of exceptions). No point venturing down to London unless I can see several things. If I only get the weight-lifting I'll be seriously peeved!
  2. What's the point of putting it in a pension when the government will probably pinch it off you anyway? I take it nobody's increasing charitable giving?
  3. They are plumbers to the stars and the guy that founded it is worth millions...
  4. I feel seasick just from looking at the property-bee pricing history! 18 March 2011 10:59:58 * Price changed: £695,000 to £675,000 27 January 2011 09:55:16 * Price changed: £670,000 to £695,000 08 September 2010 15:10:00 * Price changed: £690,000 to £670,000 11 August 2010 21:33:24 * Price changed: Fixed Price £650,000 to £690,000 10 June 2010 14:01:57 * Price changed: From £670,000 to £650,000 06 June 2010 17:24:00 * Price changed: From £650,000 to £670,000 26 May 2010 13:03:59 * Price changed: From £670,000 to £650,000 23 May 2010 21:38:21 * Price changed: From £650,000 to £670,000 05 May 2010 14:10:01 * Price changed: From £670,000 to £650,000 16 April 2010 18:33:08 * Price changed: From £690,000 to £670,000 24 February 2010 16:34:34 * Price changed: From £650,000 to £690,000 02 November 2009 19:52:32 * Price found: From £650,000
  5. From my observations, a lot of people drink + smoke + use ther mobile phone extensively while driving and it all adds up...
  6. Uh huh - I'm Scottish and I dislike the English slightly less than I dislike other Scots.
  7. I haven't bought a £1m house recently so I really should do it soon before they rise out of my price range!
  8. + the private banker would charge you 1% of your capital each year...
  9. Some very valid points! No good news however - basically it seems it's far too late for us. Suspect the Australian/Singaporean schemes where individuals are forced to save for themselves should have been brought in a few decades ago but how on earth are the needed reforms going to be pushed through before it gets even more out of control? Written by Dr Jim Walker on www.webb-site.com Old Age Pension: Historical backdrop "Between 1925 and now the UK, along with nearly every other European country, has made no attempt to set aside funds explicitly for old age pensions. These have been non-contributory entitlement schemes. This is all very well as long as the contributions to National Insurance and general taxation from workers and private businesses are greater than the demands from the growing old age pensioner cohort. The UK and Europe, because of the ageing population, is fast reaching a point where, between pensions and social welfare entitlement programmes, the Ponzi scheme is being laid open. (A Ponzi scheme is where payments to earlier members of a project or fund are funded from the contributions of new members. It comes to a crashing end when there are fewer and fewer new entrants and more and more existing members looking to take money out). " Government finances: Your money "It is worth stating a simple truth at this point: the government is entirely financed by the private sector. Only private sector workers and companies pay taxes. Public sector workers’ net salaries (i.e., less the taxation which they pay) are entirely funded by private sector contributions (or, in some countries, borrowing). Public sector capital spending is also entirely funded by the private sector, either at home or abroad. Even government revenue from land sales – and who granted the government the right to own land in the first place? – is dependent on private sector purchase."
  10. Uh huh - plus I'd happily live in the middle of nowhere whereas she has to have shops.
  11. I think I have enough but my wife doesn't...
  12. Yep - these things are crazy and should be banned. When you see ads for new-builds that don't even quote the actual price but the price for "shared equity" you know there is a problem.
  13. I hope. What I lose in my current flat should hopefully be compensated for by a larger fall in the price of the house I'd like to buy. However I'm not going to sell to rent (lifestyle decision - sorry guys) so it makes it difficult just now to buy as until prices fall, if I was to buy I'd be stuck trying to sell my flat which would not be easy as there are several for sale in my development. Admittedly none of the nice two bedroom ones I'm in but the simple fact is they aren't shifting at current prices. However I suspect that prices will just bump along for several years as this is "politically acceptable" so is what the government is trying to engineer. So I'd more be a 20-30% real fall over several years than 20% nominal. I'd be much happier if it all happened right now though!
  14. Wowzers - all properties in Scotland have fallen by exactly the same percentage. And here was me thinking some cities were doing better/worse than others... Actually I correct myself. If you have a mortgage with Lloyds than your house has fallen by much more than if you are with Nationwide. These are "tools" in the alternative meaning of the word
  15. My wife is 32 and we got married and moved in together 1.5 years ago. Are you trying to tell me something?
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