JohnG
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Everything posted by JohnG
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So, the lazy tossers have only made offers on 3 houses before they start whingeing? FFS!
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That's 'cos we've lived through proper recessions, 3 day working weeks, actual petrol rationing when you couldn't drive your car on Sundays. We know from our parents how tough they had it during The War, and in the aftermath. You youngsters don't know you're born.
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Radical Solution To Get House Market Moving
JohnG replied to Hectors House's topic in House prices and the economy
Nope. People would register. Think about current certifications required, gas & energy efficiency now. To whom do you think this additional cost would be passed? That's just a single, national label for commercial mortgages for residential property. Abolish BTLs and property would be bought using commercial mortgages as was the case prior to the invention of BTL products. At what rate? It's already 40%. Freelance IT workers have to use limited companies in order to jump through some not well thought out legislative hoops. Working through a ltd company is no biggie. Who do you think would end up paying the extra costs? Are you certain that Buy To Let mortgages are the source of finance here? See above regarding ownership by companies. See above regarding costs. Oh, and Hi Everybody... I'ts Been A While... -
For blokes shopping is an Objective, for women it's a Process. A bit like sex, really. Which is why some blokes (who understand such things) get laid a lot, and others 'get lucky' when they can. HTH.
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No it won't. It'll give him a tax loss to carry forward against future years' rental profits (as and when)
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Netbook Market Dropped Due To Economy Downturn
JohnG replied to interestrateripoff's topic in House prices and the economy
As has been previously alluded to in this thread... Netbooks and tablets are vying for the same market sector... Anecdotal. I want something a bit more portable than my current laptop. Tool of choice will be a tablet, not a netbook. QED. -
Simple point that you have missed completely. Yield is Gross Rent divided by current Market Value. Any other figure you produce may be relevant to assessing the viability of a rental but it isn't Yield. So Yeild is still 6%. Net Prifit will be considerably less. In just the same way that, for a trading company, turnover is NOT the same as profit. Simples
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Housing Market Will Double Dip, Says Reuters
JohnG replied to Pent Up's topic in House prices and the economy
Meanwhile, in Other News - Bears found to be Catholic Pope found shitting in the woods HTH -
How Far Will Hps Fall Whilst Interest Rates Are 0.5%?
JohnG replied to Pauly_Boy's topic in House prices and the economy
Not very far at all. You won't see many BTL'ers selling the places they bought over the last 10 years when they are getting a 4% return and only paying 1.5% (ish) interest. -
And, in all fairness, this should be made the official last Hitler parody - (now let's see if the thread gets move to 'Off Topic' )
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Poverty Tsar: Shirking Fathers Should Lose Their Benefits
JohnG replied to Injin's topic in House prices and the economy
This might help -
Poverty Tsar: Shirking Fathers Should Lose Their Benefits
JohnG replied to Injin's topic in House prices and the economy
The point of this 'initiative', which every single clever person who's posted a reply so far has completely failed to spot is the real message - Unemployed waste of space chav? Wear a condom or lose your benefits. You can bet your sweet derriere that this message will be well understood by those it's targeted at. The actual purpose of this? To stop the kids being born in the first place. Simples. And, for the avoidance of doubt, a proposed policy with which I agree 100% -
Don't be silly. It's not an IVA until it's been agreed and heard by the courts. An IVA is legally binding.
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Question Re Rent Deduction During Refurbishment
JohnG replied to Lander's topic in House prices and the economy
That's your mistake. No rent while work underway + small increas afterwards = OK Rent while work underway + no increase afterwards = OK Anything else = Not Acceptable. Everything Is Negotiable HTH -
I was there then, too. Copley?
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The bottom line is it will be inconvenient for you and expensive for them as you will be entitled to sue for your costs, i.e. liquidated damages. Hotel, emergency storage, moving your stuff into storage, moving stuff back to your new place as and when. Just be reasonable with your costs. A decent room in your local 'business class' hotel, not The Ritz, etc. BTW what is your completion date? Good luck.
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Stephanie Flanders : The Economist's New Clothes
JohnG replied to Dave Spart's topic in House prices and the economy
Just done a Google Images... MILF -
Reducing Balance
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Walking Out On An Ast, What Would The Implications Be?
JohnG replied to Cosmic Apple's topic in All about renting
Strictly speaking you would be liable for the full rent for the remaining 7 months... HOWEVER - most landlords would only hold you to the void period until the next tenant moves in. My advice (as a landlord) - be open with your LL, expect to have to pay an extra month or two's worth of rent, and don't forget to collect your reference from the landlord who is grateful for your integrity. -
Capability Brown Vows Growth To Return By 2010
JohnG replied to loginandtonic's topic in House prices and the economy
I had to Google that to find out just WTF you were on about. Having done so - Well Done That Man - Post Of The Day -
Dopey tw@ts. :angry: If it's that important to them why don't they just get their cheque books out and stop bothering everybody else? .
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It Appears The Brother-In-Law Is In Trouble
JohnG replied to interestrateripoff's topic in Anecdotals
Quick knee jerk post (through a fog of 'theraputic red grape juice') - BIL should look at IVA (Individual Voluntary Arrangement) for the non secured debts. I think there is also a recently introduced 'IVA Lite' if the unsecured debts are less than £25,000 and no other assets (i.e. no equity in the house). Much as they are disliked here, plenty of information can be found on the relevant MSE forums. HTH -
Cbi Forecasts Interest Rate Will Reach 2% Next Year
JohnG replied to buytoilet's topic in House prices and the economy
Close. It's a Woolwich one, but the effect's the same! -
Cbi Forecasts Interest Rate Will Reach 2% Next Year
JohnG replied to buytoilet's topic in House prices and the economy
Yeah, when BOE base rate goes up to 2% my mortgage will go up to 2.17% absolutely $hitting myself. Don't know how I will cope... -
Credit Scoring - What A Joke
JohnG replied to We're all dooomed!!!'s topic in House prices and the economy
Err, chaps... Is there some confusion going on between the information provided by the credit reference agencies (3 main ones), and the processing the lenders do with the data provided by the CRAs to arrive at their lending decisions? Interesting that somebody in an earlier post suggested that the CRAs give scores out of 100. Experian provides a score out of 999. HTH.