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Funn3r

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Posts posted by Funn3r

  1. On 18/09/2018 at 07:05, MinistryMan said:

    Some JLRO dealerships are in trouble. They’ve extended their payment terms to 120 days. We own a small ‘private’ specialist workshop and do warrantee work for them

    That's a genuinely interesting story but you keep saying "warrantee" is making my teeth grind. You mean "warranty" surely? Or "guarantee"? You can't splodge them together into "warrantee". Again though, interesting insider post.

  2. 23 minutes ago, longgone said:

    maybe but the point is as with everything IT unless you have done it all already they are not interested there are plenty out there who have.  The last company i worked with was still using nt4 based domains in 2011! and backup exec. i did train myself on netbackup but that version is considered obsolete now. 

    so obsolete skills and last commercial experience from 2011 not a good match really. 

    My entire career in IT, and I'm old. Still loads of NT4 in live use particularly financial institutions. Exact technology doesn't matter much  because it changes so quickly anyway. This week it might be Docker, next week maybe Kubernetes, who knows, nobody can understand it all because too broad these days. Need deep specialists yes, but also people who understand basics properly and can get up to speed in reasonable time. So long as you know how to turn things off and on again, and don't drool too much, doubt you would problem. 

  3. 1 hour ago, spyguy said:

    Thats as credible as the initial claim that the system was up + running.

     

    Exactly. Why would anyone decide to be a new TSB customer when the existing ones are on telly all the time saying their money has vanished and they spend hours on hold when they ring up to complain. 

  4. 12 hours ago, GregBowman said:

    As my previous reply - late 70’s none of us expected to get a house without our girlfriend or our wife

    Perhaps a little middle class scenario that was a moment in time ?

    It was a very funny time. I remember about 1979 naively asking at my local branch of TSB for a mortgage and the manager practically had a fit when he found out I had no deposit savings and kicked me onto the street.

    Slunk off and forgot about it but by 1981-82 things were blazing and I had no trouble getting 105% mortgage for an off-plan and never looked back.

  5. 54 minutes ago, Andy T said:

     

    $119k  house, that equates to about 3.75 times earnings,  single income , assuming a 37 hour week.

    Honda Odyssey, big people carrier thing, list price is  $30k-47k - lets assume about $350 a month to finance the car.

    That takes things up to about 4.3 times single earnings, after the car payment. And supporting the family members living with her no doubt.

    Scary.

     

     

    Unreasonable to my mind that someone in their late 20s with middle-class job cannot live in a society where it's out of their reach to aspire to a a cheap house and average sort of car.  She doesn't sound like a debt-crazy to me. 

  6. 32 minutes ago, mathschoc said:

    I remember when Foxtons pretty much told me they were too posh for me when I was looking for a flat to rent.

    I walked in, clothes unironed but clean, hair unkept as the baby had kept me up during the night. A woman walked straight up to me and told me directly they have nothing in my price range, she wanted me out ASAP. 

    Great, they are going down the pan, going to write them a letter to rub it in.

    Have had same from a different EA it's not specific to Foxton. Early 1980s just as yuppy thing was getting going I lost my room in shared house. Had no clue never found myself anywhere to live before so seemed logical to ask an EA. Smarmy suited oily bloke treated me like less than human. Really shook me up as I was just a kid and knew nothing.

    Ironic today they would be 99% dependent on rental fees. That particular EA no longer exists but I am never going to miss any opportunity to p all over them, except if they're on fire obviously. 

  7. 13 minutes ago, inbruges said:

    So now the only answer is a 2nd referendum, which I suspect the Leavers will win by a higher majority this time, buy hey, they might not before you start one of those "Oh no they won't" panto scenes.

    I don't think there is any point of another referendum unless this time it actually has some sort of legal standing instead of just somewhere for people to vent their dissatisfaction with government.

    Kudos to @thehowler for a constructive set of predictions. I too think a GE is inevitable but well before spring 2019.

  8. 2 minutes ago, sisyphal said:

    I did it based off the back of rising US interest rates and also took guidance from DB's thread.  Maybe there won't be too much of an upside in the next few years, but it will hopefully offer protection against bad things in the last 5 years of the term.

    I hope it works out for you! If I read DB correctly he was forecasting falling interest rates in a crash (which would be against you) but straightaway a rise leading to double-digit inflation and rates in the early 2020s ish (fantastic for you.) The "sheep" problem is not the mortgage fix itself it is the fact that if someone takes a new one out now it implies they are buying a house at the top of the market. A young couple I know socially have just FTB'd and if things crash as we all expect/hope then they will be seriously underwater for years.

    At the moment the banks seem desperate to sell any kind of mortgage fixed or not I get regular pleading emails from a broker I was with once.

  9. A few years ago I met socially a German guy who was an automotive designer. I don't really understand cars but it was nevertheless a very interesting conversation. He told me the charging and range problems for electric-only vehicles were likely insoluble except for edge cases and most cars would always be a hybrid. According to him the 2-stroke had a terrible reputation thanks to Honda and everyone naturally regards them as greasy smelly things only suitable for lawnmowers. In fact they are incredibly well suited to the design of a 2-stroke/electric hybrid and that's the future.

  10. On 10/07/2018 at 13:03, cashinmattress said:

    First part... impossible with the UK's constitutional Monarchy, unless you break the UK up.

    That's what I'd do. Like NATO the UK was useful once but no longer needed. Devolved and smaller government would have much more chance of working better.

    What difference does it make which political party anyway. Once every five years I get a chance to waste my vote against an ultra-safe seat MP. Guess how much I look forward to that.

    In any case I think the traditional left v. right is also obsolete. Me for example I am anti-brexit anti-Tory but pro-Trump and pro Assange and Robinson. Nobody takes a defined position on the political spectrum any more.

    tl;dr I would vote directly for Corbyn if I could , which unfortunately in our system would mean voting for Labour which I swore I would never do again after Blair. Emigrating does sound better every day.

  11. 18 hours ago, Aidan Ap Word said:

    (aside/slightly tongue in cheek) Bring back the McDonald's index?

    Oops, I meant the Big Mac Index (conveniently: BMI).

    I didn't know there was recent traffic on this "lighthearted" idea - here.

    I always liked the idea of the hot waitress index http://www.businessdictionary.com/definition/hot-waitress-economic-index.html

    I always checkout my waitress very closely in the interests of economic research

  12. 4 minutes ago, thewig said:

    NEVER sell. Leave that to the weak hands.. if anything I'd be BUYING up anyone who undercuts you, (overpay if you have to maintain values)

    I think it's wrong for people to have to buy spare properties to keep the price up. The government, wait no not them - the Bank of England should do it instead. Every time there is a dip in house prices the BOE should buy them up. If you were smart you could front-run it as well knowing that the central bank had your back and you couldn't lose.  It's never been tried but what do you think? 

    I like the cut of your jib about banging the rents up. You should try this BTL thing that's going to be hot hot hot.

  13. 26 minutes ago, Kosmin said:

    Trump campaigned on building a wall (in fact a wall already existed, but he had a plan to make it harder to cross the border) and making Mexico pay for it. He has definitely failed to get Mexico to pay for it. They have flatly refused. I think some work has started on "the wall" but this is in fact maintenance of the existing wall. I think he hasn't been able to persuade Congress to fund his wall (correct me if I'm wrong) which is fair enough as he insists he can make Mexico pay.

    If he can get nukes out of Korea that will be a great achievement, so we'll have to see about this. But has he achieved anything yet?

    Trump should take lessons from May - an appalling leader herself - on leadership. In exchange he can give her lessons on campaigning!

    I think you're wrong about México not paying for it. I would imagine they are seriously worried about Trump pulling outsourcing businesses back to the US. México is a huge car exporter and Trump has already scuppered Toyota and Ford's plans to move production. The Ford plant was already half built and they just abandoned it when he put pressure on. 

  14. 2 hours ago, Maynardgravy said:

    Surely a ten minute bike ride?

    I have haemmorihoids you insensitive clod ?

    No seriously I did bike ride later when I realised I was in it for the long term. You don't get any less wet though. I once also x-country skied to the office during a snow and our security guards didn't know whether it was against the rules or not and were itching to do me for something, which was fun.

    No trews either I am too old for that schitt. Modern Style Citizen with a lease car here I come, eventually  (I am happy right now with my existing car as I said.) I don't have any other debt so will treat myself. Tired of hanging around car auctions all day keep getting outbid because I am tight.

     

  15. On 02/07/2018 at 07:08, spyguy said:

    Any sane family would just hae one car.

    You know my ex-wife then? She used that argument on me. Then changed jobs to a location where she needed "our" (actually mine since we sold hers) car to get to work 5 days a week. Guess who was stuck with a 40-minute walk to work rain or shine? Lost count of the times I have wearily sat at my desk wearing a soaking pair of jeans.

    All my life I have recognised that cars are a waste of money no matter how you finance them and I always had bangers to minimise the financial loss. For years I had a Ford Escort XRI (Xtremely Rusty Indeed) ?.  Even though I felt it was the right thing to do I still felt envious all the time of everyone else's Shinymobile with tinted seats and leather windows. 

    My current car is 14 years old and I've owned it outright for 11 years. I'm still happy driving it but when it finally goes to car heaven I will go over to the dark side and try this leasing dooda which is so popular with these young ones.

  16. A masterstroke from the government. If you are a wage slave running on the hamster wheel to keep up your shelter payments you are easily controllable. There is an economic ring through your nose. 

    If you own your house outright and have even a small income then not so much, except for outright use of government force. TPTB cannot tolerate an increasing number of people of the latter sort so BOMAD is pressure to give up that wealth - ostensibly for now it goes to FTB/2TB but when the crash comes that wealth will just be a puff of smoke.

  17. 52 minutes ago, hotblack42 said:

    Does anyone know if its possible to block posts that contain specific text, rather than a specific member?

    More seriously, a general plea, can certain members kindly hesitate before steering any topic with the most tenuous of links to race to towards ill thought through racist nonsense, or self righteous anti-racist virtue signalling.
    This is a forum about House Prices and the Economy, isn't it?

    You're new here aren't you ? 

    "Bit racist mate" or adaptations thereof is the only self-generated and internally viral HPC meme as far as I know. Believe we have @thewig to thank for that.

    Completely agree with your general sentiment though i.e. the tedious people who always have to turn everything into "it's immigrants innit" 

  18. On 01/07/2018 at 09:46, Freezer? Best place for it said:

    It will come to nothing.  Discussion until August, and the current Abortion Room sweeping are very good at fence sitting, and lying (bulldozers or not).  It is a pretty poor attempt to look like they’re getting down with the kids.

    Spyg*.* has a good point though. Even the mere possibility will frighten the BTL lenders something chronic.

  19. It's been on the way down for a long time obviously, no doubt because of the reasons in that Evening Standard story, but I would be interested to know what specifically steepened the dive just last weekish. 

    Funny that the decline started in 2014 just when that enormous Duke of Westminster property fund called the top and everyone thought they were wrong as prices still going up.

  20. 4 hours ago, iamnumerate said:

    Her quote was

    ``And are Finnish girls, who may never have met a black person before, let alone touched one, best suited to nurse in multicultural Hackney?''

    I wasn't sure which "Her" we were referring to (although had suspicions) but found it buried in a comment on previous page. No surprise it's this forum's favourite love to hate Diane Abbott. 

    My 2p: firstly she's probably more familiar with casual racism than any of us on HPC. Shan't expand on that, on this highly-modded site. More importantly though I expect she was having a good old swipe at Finnish people. I am white and Finland has been the only time in my life when I was on the receiving end of racism and it was a shock. Very little wrong with Finns otherwise but they have always exported their people (Finland being a hard place to live and not traditionally attractive destination for immigrants.) Hence the stereotype of blond hair and so on which really is true. They are racist as anything - no matter what colour you are you ain't Finnish so know your place.

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