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House Price Crash Forum

mrhappy

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Everything posted by mrhappy

  1. Osborne goes with Cameron. Party moves to right under Boris and Gove. New taxes on landlords rolled back.
  2. It will happen, just not whilst 2 year fix is hovering just above 1%. This is the problem for alot of us, to quote Tyler Durden "On a long enough time line, the survival rate for everyone drops to zero" Out of me and 5 friends who graduated in 2001 (12 people with partners) we've produced 1 kid between us and the remainder are all now skipping the family home stage of our lives and looking at early retirement options around the world.
  3. Well... I was thinking of leaving the contracting game anyway. New rules around dividends and expenses next year and IT now seems to be 10% doing the job, 90% change management. Constantly explaining what you are going to do to non-technical people who don't understand what you are saying and looking for any chance to stop you doing any work as they are so scared of being blamed for any downtime
  4. Yep the 90's were great. As a student I could work just over the summer holidays and have enough money for the rest of the year, £30 a week rent, a tenner in the pot for utilities and enough left over for 3 nights out a week to the various pound a pint student nights.. After Sept 11th when they dropped interest rates to 40 year lows is when I remember everything changed.. When you think about it Mr Bin Laden did succeed in changing our way of life, for those of us who waited who want a 25 year mortgage finishing at 65 the window has nearly closed.
  5. No Witherspoons bashing here either. Being from a generation that mainly drunk larger, apart from the odd gem who has a guest ale on we had Witherspoons and proper real ale pubs which seem to consist of middle aged men with pony tails who tutted very loudly then muttered under their breath if anyone went to the bar and ordered a larger, witherspoons were a god send for groups where we all enjoyed different things. The prices are even more attractive now as the "hipster bars" where real ale is trendy again tend to treat it as a premium product with a premium price.
  6. I honestly don't know how they do it. £1.99 a pint around here and apparently some of the chains in the local towns are even cheaper. Looking at £3.50 - £4.50 a pint everywhere else. They could easily raised prices and still be the cheapest.
  7. Yep I know someone who paid £60k for something similar to the apartment in the first link. Apparently he was one of the lucky ones as his apartment was actually finished. Also paid an extra £5k for the "luxury furnished option" which looked like about £500 worth of ikea tat.
  8. I've noticed this too. I think they used to have a night shift which now seems to have disappeared. I go in quite early and alot of the shelves now seem to be empty. They were restocking whilst the store was open so you couldn't get near some of the shelves, they also seemed under staffed as they were rushing and just chucking things onto the shelves and fridges, alot of the desserts had split and there was sawdust on the floor where juice cartons had been dropped.
  9. There was a guy on the news recently who said work gave him a purpose in life. Maybe alot have that whole protestant work ethic thing going on. Also we are in a bizarre situation where a million pounds in a savings account will earn you less than minimum wage so I guess many who live a certain lifestyle will think they need alot more than you or I would think.
  10. The thing is as far as I can see the ones who have the good careers and houses are still choosing the same lifestyle. I'm 35 now and I'd say 50% of friends own their own houses (I'm t'up north) but only 10% have had kids or got married. I've generally thought the bigger reason we are choosing to not adopt our parents lifestyle is that they were the first generation on mass to get divorced. Couples "staying together for the kids" who hate each other or the financial and emotional hit when it does end hasn't really sold it to us.
  11. The green line seems to start leveling off around 71' to me, about the time the Bretton woods system came to an end.
  12. 3 families like this on my road. One of the kids has even got married and moved their husband in. As nobody uses their garages for cars anymore its generally 1 car on the drive then partners, kids and kids partners cars all on the road.. 4 or 5 point turns to get out of your drive on a morning.
  13. "Pension expert" on radio Leeds just said this is good for property. Apparently people will use the pension wrapper to save a lump sum and then use this to clear the capital on an IO mortgage when they retire.
  14. when did Nixon close the gold window? This is why trickle down doesn't work under a fist system. By the time the money reaches the bottom its already been devalued.
  15. Lost my best mate this way. Him and his partner only now socialize with couples they met at pre-natal classes. This was just after she got pregnant by "forgetting" to take her pill.
  16. Wakefield's new Trinity walk is quite nice, bit suprised the Leeds one is having the same name..
  17. is it just me or are the roads getting smaller as well? the estate where I live has a mixture of flats and houses, again quite small garages and only 1 space each for the flats meaning everyone's 2nd and 3rd cars are on the road, I can't imagine what would happen if a fire engine needed to get to the flats..
  18. interesting thread.. I lived in reading from 2002 till 2007 and was paying 750 for a 2 bed flat outside tilehurst back then.. I used to see some interesting sights walking home from town down the oxford rd at 2am
  19. If its anything like the financial organisations I've worked for there is probably a Christmas change freeze coming in next week and some project manager has rushed in a new piece of functionality that hasn’t been tested properly and brought the whole site down because his end of year bonus depends on it being implemented.. I'd expect a few sites to do this over the next few days..
  20. http://www.rightmove.co.uk/property-for-sale/property-20145762.html
  21. I don't think you realise what the changes in demographics are doing to these pensions schemes. I work for a mutual, therefore by definition there are no greedy shareholders as the left likes to call them or huge bonuses, all profits are returned either to our members or staff. We still closed our defined contribution scheme for a money purchase scheme in 2000 and even though its very generous for money purchase I'm still expected to retire on a quarter of what someone in the public sector would get. The only way a mutual could afford these types of pensions would be to raise our prices.. Infact maybe thats the answer, we could brand the goods and services that are sold at prices way above the market average "fairer pensions for all products" and of course as thats what the public sector strikers believe in, they'd rush out to buy them?
  22. I've been pretty shocked how things have changed so much in under 10 years. Up north at least, with alot of people working half a day Friday, Thursday nights around here used to massive even bigger than Fridays. We used to have 3 large clubs all open and filled to the brim along with a bunch of city centre pubs. Tried Thursdays again recently and the only people out seemed to be polish and alot of the pubs and clubs now seem to only open Fridays and Saturdays.
  23. Should probably update mine being one of the IT contractors on the previous pages... decided to take a massive pay cut and go permie near home for quality of life. I've come to the conclusion that money isnt everything and men who spend alot of time on their own in hotels go a bit wierd
  24. Had a friend contracting on this project and some of the stories were quite eye opening.. daily rates well into 4 figures, chartering helicopters to fly staff between sites etc..
  25. Recently bought on a new build estate and for some reason I'm finding the opposite.. 3 social houses which well, the families seem nicer, better dressed and have newer cars than the ones in the private housing. One family have dropped around £180k on one of the 4 beds round the corner according to the land reg and I was quite surprised to hear upon being called in by her mother to do something the teenage daughter replied "if you speak to me again like that I will smash your F***ing face in" Always assumed if you had that sort of cash to drop on a house you'd be able to bring your kids up properly.. silly me
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