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House Price Crash Forum

willing

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About willing

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  1. Wow - I was not that far off was I in 2007 - thanks for that. Apparentlly "I have also been placed on the Moderation queue" not sure why..... I'm not a BTL or a troll, go look at the rest of my posts. Nope, just an bear that's now a OO. Don't assume that most people are in it to make money or keep you off the housing ladder. I don't know many in it for the profit - most of us don't care about profit or loss. The majority of people, just want a home or a bigger home. Personally, at this stage in my life, I'd be very happy if national HPC and my house was worth £1 tomorrow, because then
  2. There's certainly a big job ahead - but I doubt it's all over for UK PLC. Complex systems have a habit of self correcting despite attempts to steer them (believe me I know, as steering them is my job). I don't think that means an HPC sadly, as that's the focus of every politician's/banker's attention, but some emergant property will cause an affordability correction in the system over time. So I have faith.
  3. Actually, to most that I knew it wasn't clear at all - I thought there was a bubble, so did a lot of posters on here, but I certainly doubted if I was right as things just kept on going up. *Most people* (the one's in the big wide world outside HPC) didn't even think about it, they just got on with the cashing in, putting the bins out and feeding the cat for the next 3 years. Nope, I certainly didn't expect it. I thought at the time that houses would continue falling and I'd lose money - but money wasn't what it was about - I just wanted to own a home for my family that I could afford. I lo
  4. @TMT - Man! Didn't know you still were around mate - proper oldschool reunion! Thought you did and before me too?!
  5. Hi guys, It's been years since I last posted but thought my experience might help someone: When I joined HPC (not this forum but the one that preceded it) I was a renter at the start of my professional career. I had to rent because of money, work and location. In fact when I joined this "new" look HPC in 2004 I was saving to get married, not for a house which I really thought was beyond me. Time moved on and this forum kept me going as I had kids, saved and waited for the right home at the right price to crop up. In 2010 things finally all came together and I bought a the large family home
  6. ......are sadly stuffed and need to wait a few years. It doesn't make it right, but life never claimed to be fair.
  7. Don't be - I wasted a lot of emotion on HO mates - if I'd just stopped and thought I'd have realised that was equally barking as buying an overpriced tiny house. I chose to rent because of my job and circumstances. So HPs rose, why would I care it didn't change my position any? Right? No I worried about HPs and felt jealous of my mates with houses. I made my choices, my mates made theirs - the difference is I don't worry about meeting the mortgage or having to move if I have another few rug-rats. That's not to say their choices were wrong, they were just different. Of course that's all eas
  8. Yeah, so am I now - that said "caring about something" and still "not worrying about it" aren't incompatible. I care about how my classic car looks and I don't want to damage it, but every time I drive it I don't worry about crashing it. What prompted me to come back and post was exactly that - I bought a renovated ex-MOD 1950's 4 bed from Annington. For over 18months I haven't cared about HPs, my addiction to HPC was gone. Anyway, there are 6 other houses in the community that have been gradually sold off by Annington as military peeps have left. One military couple bought back the house the
  9. That's the point mate - this is life - it isn't a betting game unless you're a BTL...are you?
  10. @brickwall "which estate agent you working for " None mate - go look at my bearish history using the forum search tool - there's 7 years of it! Just passing on some knowledge up to you if you want to flame it
  11. Hi guys, I don't know how many of the old posters are still on here - big hello those to peeps who remain. From 2004 until 2010 I used to post on here, before that I posted on the original site circa 2002 - 2004. Anyhoo, in 2010 I bought a house - my job had changed (and my slary with it), I'd got married and was about to have my second child. It was the right time for me, basically, but I really agonised over buying. So where am I 18 months on? Do I think about house prices? Nope. Do I worry about money? No. Bizarrely, even less than I did when renting. I am not saving for a house anymore
  12. As a security expert I have to say why would your average criminal bother cracking chip and pin - it has no real practical use for criminals there are easier methods: 1. Screw up the chip - forcing the clerk to swipe the card and ask for a signature 2. Point security camera at key pad in shop 3. Order stuff on the internet All (and more) are used extensively and the banks know it. First rule of pen testing is to go round an obstacle, if you can, rather than through it - hence the defence in depth mantra etc.. However, the result of the number 2 is the bank WILL claim you gave out your pin
  13. You're right - not all inflation is good. My comment was a general one and I didn't buy because I thought general inflation was coming and would help - it'd just be nice if it did for me. That said, in my experience, whatever happens over the next 8-10yrs will be a complex mix of inflation/deflation, real HP falls and adjustment. The result will be that HPs will come back into line again - the trick in my case is to hedge myself so that I'm as likely as possible to survive the lot and hold onto the house. Whatever happens in the meantime price whys doesn't really matter, as long as when I wan
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