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House Price Crash Forum


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Everything posted by heresjohnny

  1. One of my brother in laws left his law firm a few years ago and has set up his own business doing "offshore tax planning" for wealthy people. Only other legal person i know is a mates sister who has been in house lawyer for an energy company since she qualified years ago. I also worked for one of the high street banks years ago doing marketing and they had a massive (i mean massive) legal department - had to meet them quite a lot to sign off adverts and deal with any legal bother like when we mailed people we shouldn't and ASA complaints and the like. I having a law degree doesn't mean you h
  2. My missus made me admit I was wrong. We STR from London to West Mids and rented for a year but bought 3 years ago. We got a smaller house than we wanted as I was convinced house prices would crash sharply but nothings happened in the areas we are interested in. Interestingly after not really thinking about house prices for ages I'm back into it as now as I'd rather move than have an extension/loft conversion. My missus thought my HPC obsession was over when we bought but its back again ha ha.
  3. My wife speaks Punjabi but she isn't a Muslim - I'm intrigued by your "logic" on this matter - please tell us more.......
  4. We bought about 3 years ago and I recently had a look on Rightmove and there were a couple of houses still for sale that we looked at 3-4 years ago (4 bed detached Solihull) at the same price from what I remember. One in particular I was very keen on but the estate agent said they wouldn't accept much off asking price. I suppose it all depends on how motivated the seller is at the end of the day.
  5. Working out which nappy offer is the best value is a bit like winning a prize on 3-2-1 - the variety of pack sizes and different offers makes you think they deliberately go out of their way to make it too complicated for a busy parent to work out! The assistant in my local Morrisons always tells parents the cheapest offer if she's in the aisle sorting anything out.
  6. I don't post on here much having bought a house nearly three years ago - we STR when we moved out of London but we bought after 12 months after interest rates tanked and we wern't getting enough interest to cover our rent. Anyway, as another example to throw in the mix (obviously I've had to "guesstimate" rental value and how much our house is "worth" which isn't totally accurate as we live in a village with lots of different styles of houses): Purchase price (Feb 2010): £360k, 4 bed detached, 3 bathroom, non estate Costs of renovations (roof work, guttering, replacement of garage roof, new
  7. Buy a house with an offset mortgage (we have one from Barclays). This way you will have the joint mortgage but you can offset your savings against the mortgage and not pay any interest. The savings will also be in your sole name. So in our case we have an offset mortgage and we cant see each others "sole" savings such as Cash ISAs. Mentally your girlfriend will see the purchase as a 50/50 but with your savings you have the benefit of not paying any interest on the mortgage (so you're in the same position as if you had bought in cash - difference is you keep your savings but pay no mortgage int
  8. I bought my first flat in Croydon in 1993. I assume people still buy in Croydon for the same reasons I did: 1. Couldnt afford anywhere in London 2. Fast train links from 3 stations into London (including London Bridge which is then a 10 min walk over the Thames into the City) Not the best looking town but handy - shops/pubs. Also used to be really late trains from Victoria that stopped at East Croydon so you could get home after a late night in the West End (not sure if you still can)
  9. If its a nice home you want and can afford it then buy it - we bought a home 2 years ago and i've got to be honest I dont even think about house prices now - got a great house in a nice area. Lifes too short - do what your heart tells you and be happy in your decision.
  10. It might not be your choice but loads of people shop at John Lewis - our local one (Solihull) is always busy and we (well, mainly the missus) buys a lot of stuff there. We bought a house a couple of years ago (ahem...) and we had quite a bit of stuff from JL.
  11. Which football team is that? My tickets (Villa) normally around 36-45 mark. Saying that we did get 4 for £20 (2 adults/2kids) for one match this season on a family promotion.
  12. I popped into Solihull yesterday (early - needed a few bits from Mossisons) but had a quick mooch around the shops - HMV wasn't open at 9.30 when I walked passed. I normally get something from HMV in the sale - all the other shops that I went by were open. Not saying they're about to close but sounds like the staff couldn't get there in time to open up. Solihull was pretty quiet although I left at 10 ish.
  13. HMV do a good sale in January and at other times - I often buy stuff in their sale. HMV keep going because they have a well known brand name. My missus bought me a DVD boxed set for my birthday once and bought it from HMV (I nearly choked at the thought of how much it cost v Amazon) but she wanted to have it in her hand, surprise me and it was a shop she knew. Thats why HMV keeps going but they are running out of people like my missus ( she has moved to internet shopping prompted by me). I hope HMV keep going and I liked the stuff they were doing to support live music although that is being s
  14. Solihull was rammed Saturday - the car park for John Lewis was queing from about 9.30 onwards (luckily I got in for 8 *smug*). Solihulls always busy though - seemed normal for this time of year to be honest. Also went to the Villa on Sunday and changed train at Birmingham New Street which was heaving - stood on the train into and out of Birmingham (not unusual for the footie portion of the journey but normally get a seat from our village into/out of Brum).
  15. I agree - thats my experience as well. Most people I know with flash cars have eye watering mortgages
  16. The flat in Chiswick is near Turnham Green tube station on the District Line and just off Chiswick High Street - great part of London if you like that kind of thing - we lived near there for almost 10 years
  17. I havn't posted for ages (took me three attempts to get a new password!!). Anyway, we bought a house about 18 months ago. I was really reluctant to do so being a firm believer that houses are massively overpriced but since then we've had our first child so security and having our own home was a big thing for us. Plus we probably wont move for 20 years now. I still think houses are overpriced and we bought somewhere without needing a big mortgage (got 15 years of London equity behind us and moved to the Midlands). Anyway, I think house prices won't go down until interest rates go up. I have
  18. That is interesting isn't it? I'm thinking out loud but having done a contract for a well known newspaper (on the commercial side) I was struck by how much they were swung by whatever press releases were doing the rounds. I wonder if the VI's have run out of money they've been paying PR companies to pump their message out? Maybe that is what has been swinging the media - the amount of positve PR stories/releases put out by industry. I have a few contacts in publishing and my impression is that its getting harder and harder to afford quality of journalism and there is more reliance on picking u
  19. People will still save no matter what. The vast majority of people save for future security or to make a significant purchase - they may bemoan poor interest rates but they are unlikely to perform a cost benefit analysis and decide to do something else with the money because its shrinking with inflation. People don't think like that. People on here do but this forum is not representative of the majority of the population.
  20. Exactly. Estate Agency is volume driven - I don't understand why they don't refuse to take properties on. Maybe they do?
  21. If it was me I'd buy the gorgeous girlfriend an engagement ring
  22. Orwell famously said "Advertising is like the rattling of a stick inside a swill bucket". Papers are no different and by chance I did a contract at a newspaper when they were going through a relaunch and the big photo works really well apparently (I say apparently because I was not convinced they were doing a proper analysis). Anyway, thats why even the posh papers put sexy women on the covers whenever they can - tennis ladies, A level students when results are out, Oscar winners and so on. The Indy has carved out a niche with its covers but their only agenda is to sell more papers than their
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