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House Price Crash Forum


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About Lull

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    HPC Poster
  1. There seems to be a very strong feeling from some on this forum, that the bedroom 'tax' (or whatever you want to call it) is fair because they as working people cannot afford extra rooms. Whilst I agree it may not be 'fair', I do not understand the obsession of people to bring others down to their own level of misery, rather than fighting the real problem. I saw a similarly illogical mentality with the whole insurance gender equality thing. Rather than things being made better for men; in fact it was simply made worse for women - and the only people to benefit are insurance companies who garn
  2. I find his posts characterful. He clearly has a high IQ, just thinks differently. Leave him alone - sanity is just an opinion.. (Evidenced by the fact that most think you are crazy if you say that higher house prices are not a good thing). If you haven't learnt to live and let live by this point in your life then you have a long way to go.
  3. I am very familiar with the self build houses in Ashley Vale, Bristol that were featured on this program. You can pretty much guarantee that they are worth much more than they paid for then. But then again - a lot of sweat equity has gone into them! I wonder whether there is a way to discourage speculation on housing by promoting self build, making plots more easily available, and tilting planning permission in favour of individuals & co-operatives, BUT ensuring that any gains from sales are ploughed back into the local community infrastructure & services. I'm not sure about that comp
  4. Has mentioned planning system & statistics of average 50% of houses self build in Europe, 80% in Germany (I think?) and only 10% in UK. Thankfully they talked about the logical factors of how developers only pursue profit and have no long-term interest in the building performance, thus creating lower quality housing than self-builders.
  5. I think you might be surprised. Most don't even have any concept that this sort of place can exist & the idea of owning or building a house is kept in the realm of fantasy for them. This is not helped by self build program's that are for the well-off only (unlike in other countries). But think about the amount of cash people have to save for a deposit in order to get themselves into debt for life on a poxy identikit house they don't really want. Or think of the amount of cash spent each year per individual on housing benefit (around £4209 pp pa round my parts). How much money would be sav
  6. Agreed - although I think to keep all sides happy, low impact, self built homes should be allowed that don't degrade the land with concrete foundations & visually blend in to the surroundings. Opening them up to developers would be a disaster IMO. Places such as this one built for £3000 ish should be encouraged. http://www.beingsomewhere.net/hobbit.htm I can't be the only one who would jump at the chance to craft my own place with my own two hands, out of local materials. I know the aesthetic isn't to everyone's taste - but for the cost & the upsides? Gotta be good. Even if it is
  7. Agreed. We need to get organised. Start a political party? Or lobby group? Protest? Or....?
  8. Assuming you accept that the culture is kept 'alive' by fertilty rates/population. I personally would place more value on individuals pursuing passions, creating & inventing than on their breeding capacity. Education, information & knowledge should be freely shared. Economic failures are based on fundamental flaws in a man-made system, not the desires of people to better themselves, develop skills, think & create.
  9. I would argue that it may be the case that critical thinking cannot be taught. Only the very best lecturers actually allow you to question 'the accepted view(s)'. Independent thought requires time & inclination... possibly a somewhat inquisitive, rebellious nature & tenacity. Doesn't it sound wrong to you that it can be 'taught'? It seems like a contradiction in terms to me. I suspect it can only be encouraged.
  10. Maybe I might be able to afford something now - I've been desperate for the past 10 years to have a small scale farm (or a land-based business of some sort) and develop my permaculture skills with a view to becoming a practitioner. I have been quietly seething whilst watching escape to the country & Hugh fearnly witting stalk grow ever more popular. Not that I object to genuine people who want to do the same as me; but the way they talk - its clear many of them see it as a status thing or as 'fashionable'. The price of smallholdings is ridiculous in the UK.
  11. Except many gained with relatively little pain thanks to HPI. I paid off approx 70k of someone's mortgage. They bought in 2004 for 180k & sold in 2006 for 250k. Others have done even better than that. It is what it is, but I despair for the lives of everyone around me who is in servitude to this beast. It's clearly a ponzi. I also want to try and be debt free to live a low income lifestyle & avoid paying taxes that are stolen by troughing politicians & 'exporting democracy' with bombs that the majority of humans on both 'sides' don't want. But this system of HPI is ridiculous an
  12. Really interesting. I've wondered exactly how Islamic mortgages work since I heard about their rules against usury.*** I also think it would make more sense for the lender to have more risk. They aren't the one losing their home and their equity when things go wrong, so they might as well keep valuing houses ever higher to get larger interest payments, then repossess - sell the asset for at least the value of the loan and then they are quids in. Currently they seem to win whatever happens. My financial awareness is still patchy at best (still very much in learning/questioning mode!), but its c
  13. I can only assume he went to gloat over how well his plan is coming together. He's put the plebs in their place. Getting them used to food for vouchers.
  14. Just throwing this idea out there as well - I haven't thought it through much - but I wonder how much the perceived risk by the potential owner affects things. An owner-occupier risks the very roofs over their heads if things go wrong, whereas an investor can afford to gamble more. The psychology of the two is very different, as are lenders attitude to both (investor likely has other income plus rent, plus other assets to secure against?) I think all of Executive Sadmans ideas are highly relevant also. There is rarely only one cause of something - especially a general trend.
  15. They aren't students. I should have said 'old Uni friends' or something.
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