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House Price Crash Forum


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About Squeeky

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    HPC Regular
  1. If you do that, you then should take in to account the "value" of the property. If you are including savings you can't access you should probably throw in the value of any pensions as well. Like others have said £100 ins't really enough to be considered as a savings pot.
  2. There is a debt trap, where if you didn't incur the higher interest rates and charges on bank account or use pay day lenders where people would be better off. I think it would be interesting to see how much of a difference it would make to people in that cycle of debt.
  3. The basic concept of a minimum financial safety net available for all is appealing, in the same way as having access to the NHS. As always the devil is in the detail. What stops UBI from being possible? is there just insufficient data to be able to model how such a drastic change would play out? To throw it out there, an "easy" measure for setting a "bonus" part of UBI could be as a percentage of GDP. If automation is going well and the economy is generally healthy etc... everyone benefits. When things are going bad, it could admittedly be really messy, so you need to set a floor value. Th
  4. This sounds like the perfect opportunity to trial out a Universal Basic Income model. If you are going to just drop the money into the economy anyway why not? UK Bank bailouts cost 850bn... a basic UBI using back of a fag packet math, would cost less than 100bn more per year than the current benefits system. It would give us a few years to work out the details and transition between the two... UBI aside, I would like to see how helicopter money given directly to the public would play out. I think it would be fascinating to see how the various retailers responded i.e. mass sales to tempt you
  5. Citizens income is talked about a lot, Universal basic income being debated: transcript: https://hansard.parliament.uk/commons/2016-09-14/debates/16091439000003/UniversalBasicIncome Research paper: http://researchbriefings.parliament.uk/ResearchBriefing/Summary/CDP-2016-0167 video: https://goo.gl/LjYieP
  6. If you lived in an HMO and wanted to make sure no one messed around with your stuff, how would you choose to decorate your room?
  7. Some people don't like tyre kickers or messing around with haggling. If you want to play the bidding game, move on to the next one. If there is a house you really want put in a more realistic offer that you believe someone will accept. your bargaining position for properties near the bottom-ish of the market isn't great as more people are prepared to take a punt at that price range (first time buyers, BTL + all the props - help to buy and social landlords.)
  8. As it has been over two weeks since your tenancy has ended and no agreement has been reached I would just start a case with the dps. You should be able to log in the dps site and "create a claim", "raise a dispute" or similar (Start Single Claim Process). You don't need the landlords permission to do this. Push everything through the dps resolution centre at this point. I would stop responding to queries from the landlord other than to say that you intend to resolve the matter through the dps arbitration process and they should be in contact with your landlord shortly. If you are having an i
  9. Bah, I want a BoE current account with a cheque book. Looks like I still need to keep an eye on the job listings for that to happen.
  10. If you are both in your mid 30's the baby clock is running out and probably needs to be the one and only priority if it is something you want. I would be tempted to stay renting with buying being significantly more expensive. Just make sure you keep saving. Regarding places being sh1t holes don't worry about it too much, think of it being better value. When renting a house, it looks its best when you move in and only gets worse over time. If you buy a house it really doesn't cost a lot relatively to make it a hell of a lot better to live in. For 20 - 30k you can pretty much gut a small to me
  11. If there is anything to contest with the deposit, the lack of inventory will count in your favour. Do your own inventory, if the landlord comes back with anything they will have a hard time proving that it happened while you were resident to the property and didn't happen after you vacated.
  12. Haven't seen the posted and thought it might be of interest to some here: http://www.bbc.co.uk/news/world-europe-36454060
  13. I would hazard a guess that the 80% mentioned have no idea what the social political situation is in Russia and have never visited the country or lived in *£@$&@ outskirts of Siberia.
  14. Why all the carney hate on this of all things. He suggested that if we leave the EU there will be a recession and everything will crash around our ears. Isn't that what people have been banking on since erm.. when was this site created again? ... now for his interest policy of do nothing and hope the wheels don't fall off... and if they do, well I didn't do anything so I can't really be to blame, now that is a different kettle of fish. As for being impartial. His job is to look at the macro economic situation... little things like say leaving what is largely a trade partnership (amongst many
  15. The only thing I can't see mentioned is laundry facilities. But doesn't look too bad. 100 - 200 less a month and there would be no hesitations as a student or singleton. It depends if it remains a similar experience to a hotel or becomes a frat house....
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