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Everything posted by teddyboy

  1. There is a reason why they are all boarded up... they were compulsory purchases for this... http://www.edgelane.com/ yet again... another ill-informed person spreading the word in a negative way! :angry: TB
  2. Ok first things first.... TULIP are a packaging company that unfortunately put too many eggs in one basket! M&S was a very big part of their business.... I know coz I work down the road from them and we used to print labels for them. As anyone in business knows... don't let any one customer get above 30% of your business, or they will have you by the balls. Not saying its Tulip's fault but the M&S situation had 100% affect on this decision, I believe. Also TULIP is over the water in Bromborough. Which, to those who dont know is now part of Cheshire. Up until about 2000 this was still under the LIVERPOOL 'L' postcode. It is NOW the CH - Cheshire postcode. Included in this is BIRKENHEAD... one of the roughest place you can go... i.m.h.o. This is on the WIRRAL and also has a CHESHIRE postcode but the amount of crime here is ALWAYS reported as MERSEYSIDE!!!! Look at todays BBC ffs... http://news.bbc.co.uk/1/hi/england/merseyside/7822746.stm Now anyone outside thinks MESEYSIDE is just Liverpool.... IT IS NOT! The fact that Merseyside police cover the Wirral too then makes it Merseyside... Now this crime above, if it was reported that man and son stabbed in Cheshire... no one would bat an eye-lid. But coz its Merseyside.. its the usual b0llox about scumbag scousers. There are sh|thole parts of Merseyside that I would not send my enemies too... and plenty of them! But you cannot tarnish the whole city. Those ignorant ones out there will know of TOXTETH? Coz there were riots... and i.m.h.o. they were right to riot coz the police force at that time was racist as f*ck. So I can't blame the community for it. But I tell you this.... I am WHITE and I would walk through TOXTETH at anytime of night and not feel intimidated. The reality is so much different from the PRESS'S INTERPRETATION. Those who slag of Liverpool need to come here... THEN they have a right to slag it off. I hear lots of stories about SALFORD but I would not comment on them coz I have only been there once. There are hundreds of bad places but for some reason, its always when its Liverpool that the stereotypical assholes sudddenly find a mouth. This is why we are branded with the self pity tag... It's not self-pity.. Its putting the record straight. NOW BACK ON TOPIC!!! 'Jaguar Land Rover was bought by India's Tata in June for £1.7bn ($2.6bn)' Halewood is definately the Jaguar part. What I do know is that the suppliers to them made 30 staff redundant on Friday and have already changed the shift patterns. So its not looking good for them. They are a major employer, especially in the south of the city, and will be a major blow if it does shut shop. Good luck to all. TB
  3. Did this break up for anyone on the BBC website - half way through??? What I did hear was Evan Davies giving her a jolly good bashing!!! ;-) She talked so much shite though.... WE NEED MORE HOUSES... WE NEED IT TO PICK UP COZ OUR ECONOMY IS DEPENDENT ON IT!!! "As a caring government, we need to build houses for everyone and its not fair that those naughty banks are not offering LIAR LOANS for support this overpriced BUBBLE. It is our job to find any way necessary to fvck the people of the UK over and get ALL THEIR MONEY, so I can have my MP allowance for next year.... FACIST [email protected] GOVERNMENT... PERIOD!!! TB
  4. Arent knives the killing weapon of choice nowadays???? Looks like your trade has a very bleak future :-( TB
  5. This not a £50,000 reduction... I think it is still OVERPRICED at £200,000!!! Do not be surprised of MASSIVE DROPS in the next few months... speculation was at least 20% of HPI imho, if not more. Take out the speculation of'buy at £10 and sell at £12' and it drops 20% immediately!!! TB
  6. Its not surprising - look at the LR figures for Liverpool flats NAME AV PRICE (£) QUARTER ANNUAL SALES Sefton £140,822 -2.2% 10.1% 138 Liverpool £123,669 -15.0% -18.9% 284 St Helens £122,812 1.2% -4.1% 44 Knowsley £121,593 39.2% 35.9% 28 Wirral £119,718 -8.6% -0.8% 152 Halton £113,285 0.1% 11.2% 49 http://news.bbc.co.uk/1/shared/spl/hi/in_d.../county54.stm?f TB
  7. Can i just say WELL DONE ERIC!!!! A post in the same font size and colour - all the way through!!! A big Up to you On a personal note... HPC has been a great thing for me but also a disappointing one! I wish I had listened to Bubb when I joined.... about gold :angry: Think it was about $350 an ounce then!!! I am glad though... in the long term... I would have been joining another BUBBLE that is the root of the housing situation worldwide... The credit bubble has ALWAYS been the arguement here. And we were proved right... I love being part of this site and passing on my knowledge to others.. instead of being riduculed, I am now being respected with people saying I am WELL INFORMED!!! Nice to be right though. I have convinced the missus to STR... EA's coming round today. She has a 4 bed detached in Great Sankey, and her location is the best in the area. We reckon it will be marketed at £215K and we will accept anything above £200K. Ideally, If we can sell and pay all fees and have 200K at the end, then we will be happy.... the house we want is being built now, and is £280K. We are gonna sit it out and go in as a CASH BUYER (with a smallish mortgage also, but CHAIN FREE) in 12 months with an offer well below £250K. Without this site, I would not have the confidence to do this... but what we have talked about for years is finally getting through to Joe Public and the only way for property is down!! Going to an EA's today.... (had my JABS last night.. tend to foam at the mouth when near them) . Will let you know the word in the office later. Well done all... been a great ride.. Lets hope BRITAIN see's sense and makes property into homes again, and not pensions and investments. TB
  8. Hmmmm... Just below the stampduty threshold. Surprised they didnt want to raise £124,999... makes ya think, doesn't it? TB
  9. speaking to a lad in work, whose dad is a mortgage broker... and he's telling me that a lot of the lenders are asking for 25% DEPOSITS!!!! BTL Mortgages are almost GONE COMPLETELY!!! And there are a LOT of people getting turned down for mortgages that would have sailed through at the start of the year!!! LOOKS LIKE THE BANKS AINT GONNA TAKE THE HIT ON THIS HPC!!! TB
  10. A 3 bed detached in ESSEX £190K!!!!!!!! Thats cheaper than than the NORTH WEST!!! TB
  11. Yes that grinning was doing my head in too.... How rude is that??? It was a nervous laugh though! I just hope a LOT of people saw that, because EVERY UK Citizen in this country would look at both SPEECHES and see that DC came over with sincerity and truth. And the fact GB and AD were talking whilst DC started his speech, shows what SCUM they are!!! I DESPISE THIS GOVERNMENT and because of them I will never vote LIEBOUR aagain... they are the most corrupt government in Living memory! I know the Conservatives had sleaze, but at least they SACKED the sleazeballs!!! This government just brushes it under the carpet and carries on as if nothing happened... The sooner they are out, the better. the problem is, some poor [email protected] has to pick up the pieces, that they have left. Cameron summed it up well... WE HAVE NOT PREPARED FOR A DOWNTURN! We have SPENT, SPENT, SPENT and now its come home to roost! Glad that DC laid the blame at Gordon Clowns feet though... I sorta feel sorry for AD... but respect to him, he takes the flak well. Unlike GB, DC at least had the decency to say it was not AD's fault... bet Gordon is blaming him though!! TB
  12. About time he laid into him!!!! Was this on the National News??? Should be... was a fantastic response and showed Britain what a lying bunch of scumbag's this government is! WELL DONE DC!!!! 9.5/10 the other 0.5 was BOOM or BUST!!! TB
  13. What the f*ck are they going on about stamp duty for???? they are just saying... we are raping all you sheeple more today than we did PRE-2002... What is the significance of saying this??? Is it subliminally saying, houseprices are rising coz there are more and more in the 4% bracket... But they can't say house prices are RISING when they are FALLING!! Weird!! TB
  14. Not being critical here.. but is it not easier to take a screen shot of the excel data so we can see it in tab form. And a graph IF POSSIBLE? The way its displayed, loses my interest immediately.. Not your fault, its the way the software shows you on screen. Looks great when you are coping it in though doesnt it??? TB
  15. Just an update for Liverpool 17 WEEK 9 For sale: 377 Last 7 days: 27 7% TB
  16. RIGHT!!! I am the Lemming that said UP 0.25%!!! WHY???? Well quite simple really... I think sentiment in the housing has changed and nothing is going to stop that. There will be a correction, and this is something that Merv expected, and is probably pleased about. The housing market is not that important to a LOT of the populous, but their mortgage payments are. The rise of 0.25% might make an increased cost to some, but not all. INFLATION however, is geting worse EVERY DAY!!! People are seeing petrol at 1.02 to 1.15 a litre! Bread going up 20P a loaf, Water up, heating up... it goes on.... THIS AFFECTS EVERY SINGLE PERSON IN UK These rises are causing a lot more PSYCHOLOGICAL damage to people than their mortgage payment. IF, we can get the cost of living down again, and the things that people spend money on EVERY DAY is seen to be lowering, then the populous would be happier. I also think MERV wants some SHORT PAIN for LONG TERM gain... Lots may not agree... but I really believe that INFLATION is the key to this.... FALLING HOUSE PRICES and HIGH INFLATION is a lot worse than falling house prices and STEADY INFLATION.* TB * House prices will not hurt most people as they are gaining if prices drop. It will only affect the banks and lenders. Well their f*cked anyway, may as well kick them whilst they are down!
  17. Absolutey SPOT ON with his answer though The ones that WEREN'T GREEDY are the ones that will get MY BUSINESS. They wer FRUGAL then and they are now... nothing wrong with that! I think we have gotten so used to Lax lending that we didnt notice Nationwide being sensible? TB
  18. Agreed!!! The difference being - Keegan will walk - he always has.... Now if only we could get Gordon Turd to do the same....... TB
  19. Listen, I am far from being bullish but there will NOT be a total stop on lending. The death of the 100>125% is long overdue, but this is a phenonemon that is exclusive to this Boom! What we are seeing is things going back to kilt. When the banks are lending ONLY to the 3.5 or 4x income and NOT A PENNY MORE.. then it is a time to get excited. The withdrawal of the High LTV is a great thing. Also factor in that that these people would have been charged a HLC (Higher Lender Charge), so they are even deeper in the [email protected] We have seen IR's go out of kilt of the BOE, and they are doing everything possible to KEEP lending. But doing so at MINIMUM RISK and they are FACTORING IN - HOUSE PRICE FALLS!!! This is the BIG ONE! Speculation has now LEFT THE MARKET as far as the banks are concerned. This is great news. But with banks having high SVR's (7.2% is about average now ) then a Tracker MIGHT be the best oiption for people as the BoE and ******wit Brown will probably drop interest rates regardless to make us spend more on our CC's. Things are looking up.... the bears are winning 5-0 with 10 minutes to go... But we are playing at Old Trafford and who knows how many minutes the referee will add on before we get our victory? TB
  20. Do you not think we are getting a little excited here???? What they are saying, is the best deals will be for those who have 25% or more deposit. If you only have 10%, they will STILL lend to you, but at 0.2% higher! Not exactly shutting off the tap is it?? TB
  21. Hold on ... his mortgage is 285K and he is saying that £375K is good enough??? £90K equity!!! Instead the greedy fecker expects £315K equity??? The house is 6 years old, so lets say he paid £300K for it. He expects it to be worth £600K now in area that has little, or no demand in it??? DELUDED!!! TB
  22. http://www.rightmove.co.uk/viewdetails-167...47&tr_t=buy Outrageous!!!! Not only the price... THE DECOR TOO!!!! *** WARNING *** If you suffer from epilepsy, be careful! TB
  23. Wheres "Gordon Brown is a k*nt"???? Number 1 for me TB
  24. Just like to say WELL DONE to all the HPC posters over the years... If you look at our pinned topic on CREDIT TIGHTENING you will see that it was started on December 8th 2005! More than TWO YEARS ahead of the general public, and the Government! So anyone that says we are nutters!!! Just go to this thread and see how f*cking stupid we were...We were ridiculed by Millions, we are made to look like DOOM mongers.... BUT...We seen it coming ages ago!!!! We are far smarter than we get credit for!! I just hope all those people that wrote us off as NUTTERS eat their words.... The credit crunch is HAPPENING now and its probably a lot harder than even we expected. With no money to prop up the market, then the falls are going to be huge. In the past, rates and sentiment dropped prices... the money was *FREELY* available, although expensive. Now the money is NOT *FREELY*available and IS EXPENSIVE and will likely get worse Oh and by the way.... IT IS DIFFERENT THIS TIME - ITS MUCH, MUCH WORSE!!! TB *Had to amend - had an OXYMORON there NO MONEY AVAILABLE and EXPENSIVE!!! wtf!
  25. Download the EXCEL file that looks like an OFFICE JUNIOR has produced and you will see the the figures for January are actually an ESTIMATE!!!!! How can an ESTIMATE be released and published as FACT???? DISGRACEFUL!!! :angry: TB
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