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House Price Crash Forum


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About FirstTimeBonkers

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  1. There is definitely something odd going on with Zoopla. My place has been sitting at an estimated X for a year. Now, it's a range of width 30% centred on X-10%. The even odder thing is that the number that drives the Remortgage Calculator at the bottom of the screen is the old X, not the new X-10%. And the "change from 1,3,6 months ago" is based on X-10%, not X. So these data are now plain wrong. Because Zoopla were estimating a 10% higher figure a month ago, yet the displayed data suggest that was no change over the last month.
  2. I'd like to leave a 5* review saying "excellent twigs, they burn very well with plenty of heat and an attractive orange flame".
  3. I've always expected to pay every penny of CGT due and want get it right when the time comes. My reading of the CGT treatment is that if you exchange it for another asset, then CGT is due. Rolling it into an altcoin is exchanging it for another asset, no? Buying something with bitcoin is exchanging it for another asset, no? The usual process of buying something real with a bitcoin is for the merchant to exchange it to fiat, and then accept the fiat. So I suppose it's arguable that there is a fiat exchange occuring anyway.
  4. Dear Landlord, Since you proposing to align the rent you charge me with the costs you say you will incur, then it would seem only fair that the benefits you have previously incurred should also affect that rent. In short, I am willing to offer you a risk management service for your costs - at no charge or fee - but only if that should include the rewards as well as the risks. I expect, therefore, that prior to your proposed increase of ? 10% to cover the so-called "Landlord Tax" you will decrease the rent, by 60%, backdated to 2008, to cover the decreased financing costs you have enj
  5. I know people love to knock Croydon, but I've lived here for 7 years and it's really not a bad place at all. House, street, shopping, eating out, commuting, transport links, close proximity to the north downs and kent are all good. I've lived in a number of areas within zones 1 and 2, and I find Croydon preferable to those. I don't see it as a stepping stone to somewhere "better". "Better" can wait until I no longer need to commute to London, and even then I might stay. Like anywhere, it has good and not-so-good neighbourhoods. I'm in South Croydon, which is pretty good if not quite as re
  6. Every other driver on the road looks down on me. Literally. My **** is about 6 centimetres above the tarmac. I'm told that's quite normal in a caterham.
  7. I love how in the ad when told ".... if you keep up the repayments", she replies, immediately, without thinking "I will!". She should of course have covered her bases by offering instead "Subject to the future availability of appropriate income streams from employment, investments, dividends, interest, gambling winnings, and notwithstanding the difficulty in predicting said income streams from currently available information and without foresight of potential life events including but not limited to redundancy, marriage, birth of children, bereavement, purchase of a cat, and net of taxati
  8. Interesting question. I think it's possible to confuse the benefits of having bought a number of years ago, with the "benefits" of HPI, which aren't actually benefits at all unless you're looking to reduce your exposure to the housing market by downsizing, moving abroad, or STRing. In my own case, I bought 6 years ago purely to escape the precarity of renting. In that time, the rental expense not incurred has covered nearly half of the capital cost of the house. Interest/maintenance/insurance costs have been relatively inconsequential. But the effect of 70% HPI has been to increase t
  9. Reading this forum can be dangerous for your wealth - at least on paper.... I didn't buy in 2006, having believed in the HPC which was coming but never really did. I rented for 4 years instead at a cost of £80k. According to Zoopla, the property which I very nearly bought has increased in value by £250k since 2006. So had I rented for those 8 years I would be about £400k down today, taking into account transaction costs and mortgage servicing costs. Fortunately I bought in 2010. I did this out of a level of desperation just to have a stable home to enjoy living in. I was tired of spiralling
  10. Local EAs certainly have an interesting definition of the word "popular", as this house is "located in a popular residential area on the periphery of Accrington town centre close to the excellent amenities" http://www.rightmove.co.uk/property-for-sale/property-34740931.html
  11. Trains being referred to as "services" does my head in. "Would those of you leaving the service please ensure you take all your belongings with you." "The conductor will shortly be passing through the service; please ensure you have all your tickets and railcards ready for inspection."
  12. Bought 5 months ago. Know I should really ask my solicitor this question, but to be frank they made the buying process complete torture, I totally regret choosing them, don't trust them, and really don't want to speak to them on the phone even if they could be bothered to pick it up. Haven't been able to find the answer with the usual web searches, so if anybody would happen to know.... The house had a change of use and was converted a few years back, and obviously that needed PP and building reg approval. I know my Sol obtained both of these, and I have a copy of the PP, but not the buildin
  13. Exchanging very soon, after renting forever and 4 years of HPC reading. Landlord selling from under me again - this is getting soooo boring. Want to get on with my life without ban on pets, endless inspections by rude morons who think tenant = scum, lack of essential repairs, "applicants" traipsing through "the landlord's investment" on viewings. Fed up of having my savings shafted by inflation, low rates and high taxes. Have found somewhere I really want to live in at a price I'm willing to pay. A substantial freehold, in good repair, with character and a lot of square footage, could li
  14. It's a most unfortunate situation, but the suggestion that being "posh" should make some kind of difference, and make loss of possessions especially devastating, I find extraordinary. I'll have to try "But I'm posh, you know" the next time I need to get rid of a bailiff, or don't want to pay a gas bill.
  15. Quite interesting what qualifies as "intellectually hard stuff" these days. Putting a man on the moon, proving Fermat's last theorem, I would say that's intellectually hard stuff. Anyway, consultants do have a real tangible use, for which they are and quite rightly highly paid. e.g. You are Mr. Big in industry and want to implement some outstandingly unpopular strategy, perhaps say getting rid of 10% of the workforce who maybe are led by somebody you don't like and maybe has their eyes on your position. If you do it yourself then your motives are as plain as day. But hire in a consultant wh
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