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crazydave789

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About crazydave789

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  1. it's her house at the end of the day and her job move behind it. just like our last two moves. I've let her decide where we go since they told her she couldn't have kids so she went from prison service to immigration to HMRC so I don't expect to win many arguaments and just go with the flow. so back to houses - solicitor agrees with our side of things and reckons the price difference is due to persimmon/charles church having to show a profit so both lots of estate agents and other fees have been lumped on it - which is where the extra 40+ comes from so its worth a good shot at it seeing as our buyers want to rent it we have some leeway.
  2. A pair of what?, neither of us want to move to birmingham full stop. she wont man up and commute is the main problem. 2 years and the govt would pay our move and sell the house for us. when we decided on which office she was going to retrain at she agreed to commute for the full term, that then dropped to a year then six months then she was looking at houses 3 months in. if it was my job I'd be stuck on the commute every day like I used to. birmingham housing stock new and old is truly awfull. I did manage to get her off wanting to do help to buy and a some really awful new builds though. she has no compiled her counter valuation and has realised that the house was overvalued by a good 50k if you use the immediate areas land reg figures so has decided she is going to fight for once. which is good as it takes the pressure off the packing
  3. update on the domestic front - explained it to the missus expecting the usual dribble about conspiracy theories, why can't you just believe the estate agents etc.. but she's taken to this and being a tax inspector has gone at it with that head on this morning. mind you I did point out that the difference in prices was a new kitchen and the garden room she wants so she is now picking the valuation report to pieces and pointing out that just because we already secured a mortgage does not mean the house is correctly valued and here is our evidence to show his lack of comparable property and why the land registry/rightmove results are ample to show that that particular street is not moving in value.
  4. Hya - the missus is going through the motions of us moving to birmingham. basically the house has been a trade in to persimmon and is unfortunately also a persimmon so the build quality is shocking. http://www.rightmove.co.uk/property-for-sale/property-50513243.html anyway we said it was way overpriced at 220 so she mistakenly put in a bid of 205 because the estate agent said that when it was revalued persimmon would have to abide by that and reduce the price. in reality I reckon 190 is more than fair. we are now stuck with the valuation saying 194-205 but seeing as we offered 205 we are stuck with it. looking on the history of the estate which was built in 2004 the houses sold recently are only just making their original purchase price which tells me the estate was a mini bubble and crashed badly inbetween. the closest to it did sell for 10k more than the build price in 2013 but the four bed two doors down sold in 04 and late 14 for 245 which to me says there is something not right. http://www.rightmove.co.uk/house-prices/B31-5HB.html/svr/1122?backListLink=%2Fproperty-for-sale%2Ffind.html%3FlocationIdentifier%3DPOSTCODE%255E3643176%26minPrice%3D190000%26maxPrice%3D250000%26minBedrooms%3D3%26radius%3D0.5 so as we stand we can walk away or what can we do to try and push another reduction? I am ex trade so know what to look for and can survey it myself which I already have and would rather not have to live there but you know what women are like. the estate agent reckons its not worth trying to haggle further, the valuer basically said so what you've already had the mortgage agreed but another 10k off is a big chunk not to have to pay back. because we are battling persimmon I have no idea how feasible it is to expect a better outcome. I understand I do have the right to appeal the valuation report in the same way we changed the agents because the first one who came up with the stupid 220 figure refused to put any offers forward to persimmon despite them telling us to put a cheeky offer in - I was quite serious when I offered 160 there and then and I would not quibble the build quality and 11 year old unfinished snags from the build date.
  5. sounds like you have our problem, birmingham housing has been a wierd affair viewing wise. I think too many have been watching 'pimp my house' and think that 5k of improvements mean you can add 50k to the asking price. they also seem to think that tearing out the garage to make an odd shaped reception room 2 is a good move. we've just sold ours in gloucester to move to the south west of brum, I could have redone the kitchen but I wouldn't have got anything back for my investment.
  6. currently looking at property in birmingham, its an 11 year old persimmon which has been a part ex with persimmon and they are asking 220 for it. I offered a generous 160 as it was a persimmon and the agent thought I was joking. she has decided she wants that house even though it probably needs a good 10-15 to tidy it up and sort out problems from when it was built in the first place. we offered 188 refused and upped to 194 but the agent is refusing to pass it on, so we found the other agent and have put it to them. to me 187 is nearer the mark and generous going by what we have been looking at lately and chatting with the mortgage advisor. one thing we were advised was to maybe get a survey done and the banks surveyor to say the bank will refuse to lend over a certain figure so the seller will have to climb down. I'd be happy to wait it out as prices are dropping in birmingham as people realise they are way overpriced and they are asking modernised prices for houses which last had a remodel in the 80s, unfortunately she wants to be moved before may. what would happen if I got several friends to offer 170ish to wind them up?
  7. if you asked me a few years ago I would have said I agree with the license fee because I hate adverts and the bbc makes good stuff. now my view has changes. most of the stuff I watch is ad free because I download it. the BBC with little exception is utter crap now. I'd be much happier with a state subsidy to provide radio stations and support of infrastructure but the BBC needs to be run on a commercial level as it has become a bloated biased behemoth. it deserves to be forced to tout for advertising peak times so it has to sack all those middle managers and cut down on perks. a friend of mine who is an engineer of newsnight is on a good salary and gets a free 30 quid taxi every night to take him home. closing television centre was a tragedy IMO.
  8. they stole my idea - for the past few years on the papers comments sections I've been saying that parliament needs moving to pop the westminster bubble which is ruining politics and also the country by making everything london centric. a massive amount of the cost of the refurb to fix the roof, remove the asbestos and fix the damage caused by building an underground car park is the cost of moving the lords in the QE2 conference centre. My idea is to build a new town in barnsley (near the M1/A1/M62) or take over an raf base which would be big enough to house MPs. so they get standard quality new build housing and they can work at the new built secondary school which gives them office space, a meeting hall, committee rooms, sport facilities and a playground for when PMQs gets too childish. they can eat school type dinners in the dining room eating on the rota system. they can also have a british legion for social events and harvester for weekends. oh forgot to mention the 20% social housing tucked away on the MPs housing estate so they know how the rest of us feel about it. nothing against socialised housing, just the majority of people who end up in them. social housing can also support the staff working in the new parliament buildings as no doubt the cleaners, cooks and dinner ladies will end up on zero hour contracts. I reckon it would be much much cheaper as they can lose home allowances/expenses for 5 years and be far enough away from special interests and directorships to make parliament work for its living. appoint a headmaster and have a register as well. at the end of it you can sell up the 800 or so houses and fill with families who will use the school as well.
  9. zero carbon homes need no services which is why they don't like them just like electric cars there is no money to be made.
  10. My favourite idea is for someone to bankroll a 'none of the above' party with neither candidates or policies - based on polls last time they would win a landslide victory. belgium showed up how to run a decent govt with no one in power. I gather it caused no end of upset in the EU as there was no one to ratify all those laws and statues they were handing down by the van full. I don't mind diane abbot so much when she isn't talking carp but labours 'end to boom and bust' created the whole mess we are stuck with along the runaway city created by having the fsa staffed by exbankers, both sides are dead wrong to try and prevent another bust even though it could be as much as 50% in the higher end of the market - oddly to prop up the asset bubble is very socialist of the tory party. capitalism thrives on boom and bust, bankruptcy weeds out the chaff. New Labour stripped the civil service of much of its function because they considered it too tory, so we have a massive paid army of crack smoking special advisors messing things up so govt now has lost any objectivety in its decisions due to chronic lack of subject knowledge. bring back sir humphrey IMO.
  11. interesting that it is 'owned' by one man with 30% held by a US commodities broker. I wonder how much of the income has been sidelined like every other oligarch.
  12. not such a good idea going by argentina and zimbabwe. I did actually do a somewhat larger post but wasn't sure how it would go down as it covers the ukraine problems, history and meddling. I was trained to fight wars by understanding that the origins are usually laid down in the past. ukraines current problems go back to the US backed orange revolution which like most of the decommunising ones were flawed from the start producing a govt that an african dictator would be proud of, this set the rot in with yanukovich following and the current coup was no better in its intentions, helping no one but those wanting to gain power, steal or rub russias nose in it. inflation in theory could help ukraine if its international debts were negotiated in hyrvnia, a currency worth less would mean that paying debt off would be cheaper, unfortunately the world has moved on since the wiemar republic and ukraine will be savaged by a weak currency with debts in dollars or euros and raped by the EU/IMF terms just like greece is, there is no way they will have an election to rectify the putsch govt anytime soon so their only hope for any sort of peace is to federalise as per russias wishes or let the proper maidan take hole. the EU will go along with that as it wants to get its hands on the potential gas fields in the west. the maidan was a populist call for revolution which was hijacked, its not reported but the socialist maidan protests carried on until it was swept away by the current lot of nest featherers and right wing thugs. yanukovich refused to arm the police or use force until the snipers started cutting down police and protesters alike without a care who they shot. the way the current govt is breaking ceasefires and its instant move to crush dissent in the east is worryingly under reported in the west along with the truth over who was shooting at who in the maidan, this lack of reportage and accompanying outrage has just encouraged more overt unpopular actions. it is interesting to see the fake reports in congress claiming russian invasion and the outrage in washington over the minsk agreement actually working. america wants a distracting war. peace just will not do. so ukraine will continue to suffer as more false flag operations kil its innocents. like greece, turkey, libya and syria its main chance of reprieve lies with russia, the brics pact, the brics bank and dedollarisation. the UK too would benefit far more from increased interaction with russia than the EU and a declining US desperately clinging to the last vestiges of its empire. the US is banking on being too big to fail. so when it does it will be eventful
  13. TA - sorry to be on such a downer and it is somewhat compressed. I've taken to listening to real world people on you tube, the kind of people max kaiser asks for advice. there are some very interesting theories using simple statistics for example we have had an economic crisis every seven years or so since nixon took the dollar off the gold standard. seeing as the last one was 2008 this is the year. and my missus is wants to go up a notch on the housing ladder. needless to say I am hesitant to the say the least, she keep saying we can stay three years and then move on, I am pointing out that anywhere we look at we need to consider staying for ten plus to let the market catch up after the crash. the 80s wiped out my parents so I have a jaded view on the housing market.
  14. I think the public are finally getting around to the truth out there, the state of greece and the EU/IMF shenanigans the constant racking up of US and UK debt to levels which can;t be repaid are all hitting home to all but those who will never lose out and so rise above it - namely the top 1% as it is known. the people know that recapitalising the banks and QE helped no one but the bankers and bond traders at the expense of the many. just like current anger at tax avoidance where the bulk of the population are not in a position to avoid tax like those who tell us what a good thing it is to only pay what you really have to. QE has destroyed pensions while low rates have decimated savers. yet they cling to the belief that a property bubble can save us and the chancellor can claim economic growth where the emperor actually has no clothes on. help to buy did nothing but allow developers rack up house prices and claw back lost profits something known to everyone including the treasury, but the chancellors agenda was to get the banks lending again which failed. the banks however have stated that with interest rates so low they don't need depositors nor have they any reason to deal with customers or lend to them. we nationalised two banks and yet can't form a decent lending policy. the bust of 2008 was kept at bay which means the next one has to be worse. and now we see a 20% scheme which will also fail, even though the ideal outcome would be a mass take up from first time buyers collapsing the buy to let market and freeing up more housing stock. personally I'd like to see a return of the fair rents councils and large fines for landlords renting substandard accommodation. we also need a right to buy for renters if they have lived somewhere for 5 years and legislation to stop landlords kicking tenants out without good reason. there are too many crap landlords out there who think they can pay off the mortgage and get an income from a single rented property. the public increasingly knows that the world economy is on a knife edge thanks to the US and the global bankers led by it and the city of london yet fortunately don't realise just how close the total economic collapse of the west is if they continue to wage war against russia and hurl insults at china. Greece has shown how fragile the eurozone is and how evil the EU can be when protecting its cherished misguided ideals, but westminster keeps quiet about how much we will have to fork out to bail it out when it fails, if they told us the truth the public would be clamouring for not only an out of the EU immediately without a referendum but a refund of the money we have been conned out of for 50 years. MPs wont rule out a source of employment which is why we are stuck in and cameron keeps announcing what he wants to do so the other side know he will never advocate leaving. meanwhile the wars to prop up the dollar have made the US weaker as it goes around the world knocking off everyone who signed up for the gold dinar and I for one can;t wait to see them unable to threaten anyone else and end up like russia in the 90's my only concern is that whereas the transition from pound to dollar came about after britain exhausted itself fighting hitler the US is quite likely to nuke the planet out of spite when the dollar dies as the BRICS pact puts itself to the gold standard and trades in a gold backed currency. russia china and india have been buying gold like its running out and exchanging dollar debts to do it, the US has caught wind of it and has stopped china from buying US assets with treasury bonds something actually illegal for them to do but when has the US respected the law recently? 200 trillion of global debt - most of it derivatives which actually do not exist. a debt jubilee is the only answer followed by deglobalisation and proper regulation. otherwise we are all going down and it will hurt. a lot.....
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