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Unmoderated

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  1. Sadly we've all been here before. I got so excited in 2008. Freshly graduated, good job and prospects and just waiting for the correction that never came (well it did a bit but rapidly reinforced). Now I take the view down is the new up. Economy shrinks, rates go negative, great news for the debt ridden. Now I'm on the other side of this we'll have to wait and see.
  2. Perhaps you're starting to see a link then between having a weapon and using it. So you are conceding that every cretin having a gun isn't such a good idea? If you get rid of all the guns then nobody can shoot anyone can they? Also, as disgusting as rape is, I cannot recall the last mass rape in the US, or anywhere tbh and your argument is pretty dumb other than to point out if every cretin has a willy/gun then a % will use them. Thing is, I don't need a gun to procreate (maybe you do, or think it at least makes you more manly and therefore helps in that department?) so you're saying nobody should be able to make love to their partner in return for removing the risk of rape? Not really seeing the parallel there. People need willys. They can use them for good (mostly weeing standing up) and bad. People are not born with guns and the vast overwhelming majority of people in a civilised society have no need for them at all. Interesting also that you bring up rape: 30 incidents per 100,000 in the US. There are 45 per 100,000 gun related injuries. You are right to say murder rate is lower but the incident of firearms injuries including death is much higher. Included in that are 8 children and teenagers shot ever day by accident by family. https://www.bradyunited.org/key-statistics Maybe they need some more guns mate. Maybe we could prevent rape by given women willys? I can't believe people like you stalk this Earth.
  3. Any more thoughts on this one given the events in the US over the weekend? I understand that the agents of the state managed to respond to a free citizen shooting a random group of people and prevent bloodshed. Do you think that many people would have died if those responsible were prevented access to the guns in the first place?
  4. I'm not a fan of a deep state, nor am I a fan of no state. Are you a fan of no state? The central path is the golden one.
  5. Far freer? in some areas they have more freedoms, but not so in others. Highest % of population incarcerated in any developed nation. Freedom to get shot at in a public place and no healthcare to cover you assuming you're not killed on the spot. US is a great place but you're comparing apples with oranges. Somalia doesn't seem to have an overbearing state. What do you think about moving there?
  6. Yeah I bet they'll be bricking it hiding behind the army, navy and airforce. Cretin.
  7. I've heard that foreign buyers in London are at their highest in years thanks to a fall in prices and a fall in the pound (and a great place to launder some money) but of course these fellas are most likely not using a Halifax mortgage.... so unless it's starting to push up prices again it looks like 'noise'.
  8. I'm now torn since coming up to remortgage. I'm currently with Nationwide but their houses are not performing so well. Maybe I should remortage with Halifax instead since they seem to be doing much better.
  9. I agree. Lowering removal costs makes tenants less 'sticky' and more likely to move if someone does increase the rents. Previously people would probably be happy to pay an extra £50/month rather than £600 now for agency fees plus the whole hassle of moving. Supply an demand aside it removes some of the financial friction in moving.
  10. Same here re 1997 vote. I was also a bit surprised at what the Tories did, or rather didn't do, on housing and the economy. They could have built a lot of houses very quickly and removed the props for them which would have increased the supply and increase affordability by bringing prices down. The whole thing could have been blamed on Labour. The increase in building so many more houses would have been a benefit to the govt tax receipts through stamp duty and other taxes, plus the VAT element on all the crap people tend to buy when moving into a new place, etc etc. Instead they decided not to address the real problem and come up with HTB which sort of got more houses built since developers could make a mint out of them but didn't do much to impact prices.
  11. You've not paid the drop? You never pay the drop! When you take out a mortgage you've not paid anything. When you buy the house you've paid for the house (with the funds provided by the mortgage). If the house drops in price the mortgage doesn't increase does it? You've already agreed the cost of the house. That doesn't change if prices move. Perhaps one day you'll grasp basic finance. How many other Undermoderateds are there in this world? Goldman Sachs is full of us all telling people not to wait two years because we all now that's going to the bottom. Best time to buy. It's been two years off for the last 15 years. Some people could have cleared their mortgage in that time.
  12. Whenever anyone buys a new car I always ask them how much it was (very politely of course) and then tease it out whether or not they paid cash for it. It is amazing how many people are on the leasing/renting treadmill. Cheap credit can make it worthwhile but if rates ever go up it would kill it. As for me though I'd never want to be in a position where if I lost my job I'd suffer another cost of surrendering the car early and then losing yet more money and behind carless.
  13. Never thought it would be me saying this but.... .... don't feed the trolls.
  14. No. On you constant goal post moving owning a house is financial risk free because my mortgage is fixed for the short term and I've an all covering insurance policy. Sweet.
  15. The financial risks of renting are not limited to knowing what your rent is. You're not obliged to pay that rental increase but, firstly it is an unknown and secondly if you don't want to pay it you'd have to move which would incur other costs Good luck with that mate. Lol, you're right in theory but reality is vastly different, and ultimately the risk is counter party risk which causes an unforeseen financial impact on you. What if the landlord is insolvent? How is he going to reimburse you? Erm, you absolutely can be evicted within the fixed term. https://www.thetenantsvoice.co.uk/advice_from_us/grounds-for-eviction/#valid_grounds_for_a_possession_order You are consistently wrong and insist you're right. As tenacious as I am I'm giving up on you.
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