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locky82

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Everything posted by locky82

  1. And that's the way I believe citizenship should be earnt. Had you been any other EU nationality, living in the UK, your wife would have been entitled to an EEA family permit. Massively unfair. The UK gov restricting its own citizens family members, but allowing eu family members all the rights they enjoy! These permits are massively abused... And took the sham marriage gig away from UK women haha.
  2. But youd still only be in the frame for 180k regardless of a crash. And if you're buying before Sept I imagine the rates at 70% ltv would be cheaper than renting, even on a five year fix? Possibly? Do I think there will be a better a buying opportunity within the next few years? Yes. Do I think the average house price will be higher in 2031 than 2021? Yes. Its a difficult one, but if you're buying long term, for the security alone I think buying wins. Obviously if you get shitty neighbours, it's a lot more extensive to up sticks.
  3. I'm not in a position to answer that. It would depend on the UK's need. I'll say the Tory's will never be able to hit the tens of thousands target. But its more about control, about removing the entitlement of free public services, than it is about numbers.
  4. Will 250K get you a house in your area that you'd be happy with long term should you get trapped by negative equity? And can you easily service 180K at 5,6,7%. For me buying always wins.
  5. That's absolutely correct. However they wont have the automatic right to live here, their application will be scrutinised. They wont have an automatic right to a benefit a top up, free health care, education for any dependants. If they break the rules, the threshold is set far lower for removal. This belief that Brexiteers don't want immigration and are worried about Indians or Muslims just feeds into the 'all Brexiteers are racists' narrative. Its not true. Public services cannot be protected or well run when you have no idea of the numbers of people who will require access. Of co
  6. Still very little coming to market in my area, what does is overpriced and none of it appears to be selling. There was new build we liked the look of and seemed 'cheap' at 505k (still over my budget!). Gone up to 527.5k in the past few weeks.
  7. Doesn't really work like that in my experience. Get your budget sorted, get viewing, and buy the house your wife falls in love with. I can't see how getting a house paid off isn't part off a robust FIRE journey.
  8. My plan in the short term is to carry on the as I am. Mortgaged house in nice street, great primary school etc. Long term, my eldest will start secondary school in 2025. So I think I will sell early 2024 and rent, ive already cleared this with my partner under the guise of being able to act faster if the 'forever home' lands on Rightmove and we're chain free. Also if its a fixer upper, we can stay renting, while the works carried out. The reality is, I truely believe they can keep this going for a few years yet but the party will have to end. I'm hoping to sell as the torys ramp in
  9. My plan in the short term is to carry on the as I am. Mortgaged house in nice street, great primary school etc. Long term, my eldest will start secondary school in 2025. So I think I will sell early 2024 and rent, ive already cleared this with my partner under the guise of being able to act faster if the 'forever home' lands on Rightmove and we're chain free. Also if its a fixer upper, we can stay renting, while the works carried out. The reality is, I truely believe they can keep this going for a few years yet but the party will have to end. I'm hoping to sell as the torys ramp in
  10. Haha sound advice. Don't matter how high inflation goes the polymer note is not going to be up to the job!
  11. I know Peter Schiff is seen as a bit of a joke, only interested in protecting is own gold positions. But I also think the way inflation is measured is a bit if a joke. Humour me, if inflation did start to creep up to 6, 8, 10% what is the optimal position to take to pretect yourself from a) the rising inflation or b) rising ir's. Is it as simple as 50% in cash, 50% in stocks for example?
  12. Most seem in agreement that inflation is going up pretty fast. Since nobody can predict how it will play out, im interested in what people see as the best position to take to hedge against either outcome?
  13. I bought new... 12 years ago. Really liked the old shape fiesta when it first was came out and there wasn't a second hand market. I would consider doing it again. But to get the value from a car you do generally have to be the last owner.
  14. Completely disagree. My tax is 160 a year, insurance was 120 this year. I spend about 60 a month in petrol. So it can be done on the cheap. Unless you live in a city like London I don't understand how you can live without a car.
  15. I guess it depends on the make/model. If its a disirable car, eg a land rover or German thing with no indicators, why sell it for cash when some desperate saps will queue up to take it on tick? I can't imagine it would be the case for a citroen picasso tho
  16. Need to upsize but nothing coming to market, and what does we cant afford. I bought in 2016 and the market was nothing like this. Average 4 bed family home in my area is 500k, so im not surprised it's grinding to a halt. Waiting now for the crash or next government prop I can jump in on. Builders and estate agents will be calling for one or the other soon enough, surely their profits will start to suffer at these volumes?
  17. What about if you get a 95% mortgage and invest the remaining money. I've read the buying v renting pro's and cons on here before. To me, the value placed to the freedom of opportunity that people associate with renting is always overstated. The majority of people remain in their home towns, dont they? And if they don't selling isn't that difficult. Also of having a home paid for when you come to retire is undervalued. As important as your pension imo.
  18. I'm not risking it, we holiday every year and with young kids, unless it's Disney, it feels like a waste of money. It's so stressful. After seeing the prices this year for a static in Norfolk, we decided to spend that money on new patio and truf
  19. You don't need to read tea leafs to see its clearly a bubble atm. The average price between 2017s peak and now has been about 5k. Picking them up at 20k+ could be a massive short term error. I'm fully aware I could be wrong.
  20. What is the situation with the eviction? I thought due to C19 landlords were stuffed and couldnt force folks out? I would start by getting a quote for the essential work, it may not be as bad as you fear. I hope it works out mate.
  21. Have you been to view the garage since getting the report? The I would definitely try negotiate spitting the cost of the repair if you get a couple of quotes. I do think going in at 10k+ of the bat... well if i was that vendor, with the way the market has gone around my area, i would have it back on right move tomorrow, with your reduction added on as an f you lol.
  22. Thats bizarre. If we are using laws of nature, we know the damage invasive species can cause... In nature.
  23. Thats bizarre. If we are using laws of nature, we know the damage invasive species can cause... In nature.
  24. Thats bizarre. If we are using laws of nature, we know the damage invasive species can cause... In nature.
  25. Yep nobody wants them but we already know this. The French navy have now been caught facilitating their movement. https://www.telegraph.co.uk/news/2020/09/16/exclusive-french-navy-seen-shepherding-migrants-uk-waters-abandoning/
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