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About Stockton

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  1. It may be I haven't looked into the costs to that detail I just thought it funny that you cant set up a direct debit from the day you move in.
  2. I’ve been watching this on All4 and love the idea, I wouldn’t buy something that big and I wouldn’t want to be a hotel or wedding venue (what Dick is doing) as there are too many people doing it. The French equivalent of council Tax is a bit strange, you have to pay the first year in full before you can set up a monthly payment so that needs factoring in to the move costs.
  3. I have to agree with this bit, I am a "mortgage prisoner" (its how/why I found this site). I was young, naive and bought into the "Bricks and Mortar only ever go up" talk from the older generation. The sales rep at the new builds had no problem palming off a sh*t box on me (houses only ever go up in value init). 10 years on and I have a lot more experience but the younger generation I talk to who are looking to buy dont (wont?) listen when I tell them how bad new builds / htb / silly house prices are and just how big a mistake I made at their age.
  4. Thanks, this means im about right for my hardware. I had just been looking back through the whole topic as I thought you must have bought a proper antminer or similar to be getting 0.025 a day! Im a bit underwhelmed by the ASCII miner tbh but I allways knew it was more a curiosity purchase than a means to make any money. have you used yorur ASCII's for mining BTC direct or other coins like Zcash?
  5. What are you mining and what hardware if you dont mind me asking? Im mining Eth (dual mining PASC) with 3 R9 290's and 1 R9 390. I also have a gekko science 2pac ASCII miner for BTC (currently getting me a whole 0.00000268 BTC a day! @ 17GHs) Im curious because im currently earning 0.0015 to 0.0016 BTC a day and im trying to work out if that is about right for my setup or if I need to change what/how I mine.
  6. These arn't large but I am going to buy a couple to learn how to use them and may end up running a "mini farm" of them on USB hubs if they run stable enough to be setup and forgotten about. Scrypt - https://www.bitshopper.de/shop/scrypt-miner-en/moonlander2/?lang=en SHA256d - https://www.bitshopper.de/shop/sha-256-miner-en/gekkoscience-2pac/?lang=en I know it probably wont earn anything but I am treating it more like a hobby for now.
  7. I agree I dont think Friday was it. Just found it strange that the MSM is talking about this, unless they are looking to get the masses to jump into housebuilders shares...
  8. What does everyone make of these articles? Builders lead FTSE fightback two days falls developers bankers snap cheap shares and Housing bosses snapping shares companies amid rout sector Brexit vote Do you think they know something is coming (HTB4 maybe?) to help share prices rise for a quick profit or are they trying to shore up their companies and hold these shares for a longer period? Cheers
  9. Points taken, I wont push the new house idea any further. I hadn't considered/worked out the viewpoint highlighted in bold above that I could potentially reduce 13k off the cost of the current house if I offer 20k and it is accepted that would be a cracking result. Thanks for the info all.
  10. Thanks R K Is it funny that I PCP my car as well as buying a new house! I guess youre right re getting burned twice but the price of the new houses here is still 135k so even if I do part ex so long as I get a reasonable price for my current house and a decent price for the new house I would be in the same position but with a newer house. I will have to properly work out the cost to move to make sure this is correct but quick maths in my other post suggest that my thinking correct. I could even downsize and reduce mortgage and bills to save a deposit for a larger home in the future The ke
  11. Thanks Haventaclue, Yes barratts call centre will offer a 20% reduction and I have had a number of letters from them with similar offers. Stamp duty wouldn't be a big concern if I wen like for like on the new house (circa 130k) I would be looking at less than £500. I think there would be some easy negotiation to be had on buying a new house from them as I am in effect selling them a house back, if they don't pay current new house price or around that then I can use that to reduce the cost of the new house based on knowing what the future value of the house is likely to be. I would also ensu
  12. The mortgage is repayment, it is currently 100% LTV due to the drop in the value of the house. I'm assuming BFML = DreamStart, at the moment there is no interest. If it was extended there may be some interest applied. Moving to a similar sized, larger or smaller house. I would rather purchase a smaller or same sized house at the moment. I would like a larger house but not a new larger house if that makes sense (they have smaller rooms and gardens compared to older property). At the moment I just want to make the best of a bad situation recover and move on in 10-15-20 years time. Selling
  13. Apologies for bringing up an old thread but it has helped me understand a lot and will probably save time going over old ground if I started a new thread. I am one of the people who used the dream start to get on to the ladder back in 2008 and I have been looking at what will happen when the 10 years is up. Info: House price 135k Mortgage: 102k DreamStart: 33k current valuation (mortgage provider): 125k I have the funds available to settle the 25% but I think the money could be better spent elsewhere. My thinking is to sell the house back to barratts (the have a part exchang
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