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  1. Case in point here. 34k * 4 = 136k.(salary multiple - rates won't go > 7 in your lifetime) 1300 * 24 (save a deposit for two years - we all had to!) = 31200. Total amount of money to spend on house without even stretching is £167200 Tell me you can't buy a first time buyer house with that! In manyaces you can get a 3 bed semi for that. But no, you don't want a first time buyer house, you want a palace, you want tomorrow today. Grow up. You more than enough to get your foot on the ladder. Don't take the p!ss by expecting me to sell to you my life's savings for 50% reduction. It's ignorant, stupid and fanciful. The only way you will get a big discount is by a large population decline - i.e when we boomers die off. But we've got loads of our hard saved pension funds to spend before we have any intention of shuffling off. AJ
  2. I'm afraid this is just the world we live in. It's not isolated to the housing market but taking the vulnerable (of all ages) to the cleaners is the way most people have made their millions. Just think about it, supposing everyone in the world knew at least what you knew about life, finance, greed and the whole package, do you think people like kirsty allsop would exist? Do you think that manchester united et al would be shitting multimillion pound contracts? No. I doubt it very much. Sadly the vast majority of people fit into one or more of the following categories: Ugly, Poor, Stupid. Any combination pretty much guarantees they will be slaving away to keep the likes of rupert murdock on his thrown because they know no better than to pay-per-view for the rest of their lives.
  3. The most interesting thing I found in the 2005 NuLab manifesto was their intention to create a 'share owning britain' (excuse the common misuse of 'britain' rather than reference to UK) I was amazed... a genuine modern socialist policy. WOW!
  4. A detail worth noting:- "Lenders are kind of getting it both ways, they are getting the risk premium off the borrower, but they are getting the security of the charge and that seems unfair." I think this is incorrect. The order says that the debt can be recovered from the proceeds of the future house sale. This does not mean that they can force you to sell up as with secured debt does it? Perspective.
  5. Bomb disposal. Clearly a booming industry.
  6. "One agent told us that most properties offered for rent have five or six possible tenants chasing it." Well **** me!
  7. It is nothing more than scandalous scaremongering to try and keep the status-quo. The angle it is written from is pure spin. Either an article like this will: Create sufficient political pressure for intervention UNLIKELY! or Add yet a little more fuel to the dying HPI fire DEFINATELY. What do think the publisher (maybe even the writer) had in mind? Columbo or Midsummer. Different perspective, same difference.
  8. Thanks for posting today! There has already been a large number of responses! Not suprising, you are like the busty bird on the building site. I am not going to add any remark specifically because you will have enough to contest already... What I want is this: I don't want to lose the insight from someone like yourself from the EA industry who is rare on here and could be extremely valuable to the debate. What I want to do is warn you off trying to challenge too many all at once. You'll end up not having time to think through your answers and make a mess of it and probably vanish like the others that have braved it. Take a leisurely pace, pick the most suitable posts to answer and avoid any sh!t fights. They do no one any good. Thanks.
  9. I have one too. The house I flipped has the last sale recorded twice rather than our sale. I have written to them incase there has been fraud.
  10. P&P is creeping up all the time. Most much stuff on ebay, for instance, is not worth buying because of this. Increasing transport costs are going to prove a real headache for modern transport hungry enterprise such as supermarkets and e-commerce. A lorry load delivered to a local store is going to be cheaper than individually parcelled items shipped all over the country. And the implications for food miles are horendous. The (local) high street will fight back one day, and probably not in the too distant future. I already go on my bike to buy local fruit and veg. It's much better and FAR cheaper than ASDA et al. e-commerce will decline first, I even suspect it is already on borrowed time. Next time you are in the supermarket take a look at all the books, cds, dvds and games they stock. Since you are already there it often works out cheaper to buy from the store rather than online. Don't forget to add the P&P for online. ADDED In the meantime, I agree with you. I think for many items you'd need your head examined to go to a place like WHSmith when online and local supermarket are about half their prices
  11. Serves the greedy ***** right in my opinion. They jumped on the gravy train lending bandwagon. I hope they go to the wall.
  12. When do you announce the winner WM ? Will you let the winner post the next caption competition?
  13. Now you know what your uncle RigsbyII will have to say about that...
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