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House Price Crash Forum


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Posts posted by richmondtw


    It's true that this recession is uniquely impacting the poorest most - but that's not because "we are shafting" them, but because the industry sectors hardest hit by the anti-COVID measures (bars, restaurants etc) have a high proportion of the lowest paid, whilst professionals can work from home.

    Exactly - a person who is an accountant for instance will be very busy right now.  The more highly skilled a person is the Less chance they have of losing a  job or if they do the more chance they have of getting another job.  


    A pandemic does not create and enact policy our government does and it is the government's response that is causing the problem. 

    And then there is the double whammy that the most deprived communicate have been hardest hit with deaths and severe illness from covid-19. 

    Most jobs have been lost in the bar/pub/hotel/hospitality sector - traditionally low paid low skilled jobs.    We have seen what happened when they were open with no restrictions.  If they had not been closed and people were getting Covid people would be saying it is all the govts fault!

    The deprived community thing has been done to death.  Many of these people are BAME who culturally live in multi generational households.  

    Also, when I am in Richmond people respect the rules.  I went through Hounslow last week and it was like a normal day - very few were distancing and many were not wearing a mask - DUH to them when they get it. 


    and can’t bare to admit they were very lucky and none of their luck was down to hard work

    The boomer I know are respected by the people the care about such as friends and family - they are not bothered about what others think - they are not the snowflake generation who need approval from the rest of the universe 



    Why did she choose you ? Love ?

    Anything wrong with,loving your partner? ! 


    People claim we should watch our misogyny, but I think we should be paying closer attention to misandry. Aren't middle aged white men the last group of people society is legitimately allowed to hate? That's the real crime if ever there was one. 


    Exactly see jilted ignorant comments


    and can’t bare to admit they were very lucky and none of their luck was down to hard work,

    Not true - I employ 2 boomers they are far harder working than some of the millennials I have had to let go.

    As for luck - yes they were lucky in that house prices were more affordable but that is not their fault.   There are people who are now moaning they cannot afford to buy a house who could have done but waited as they thought they were being so very clever and that prices were going to fall and they would make money.  They were only concerned with a financial gain not a home. Then they whine because others have made money on a property which is exactly what they wanted to do.  Some folk, take advantage of their luck others do not. 


    in fact in reality they are quite dim and lazy,

    A ridiculous and childish generalization 



    spend most of their time on the brexit thread

    No most people on that thread seem be be snowflakes who are still whinging about a vote that took place over 4 years ago and are not able to understand that sometimes they do not get everything they want as they are so entitled.  


    No its the truth that ImIGrAnTs and B*XiT are the causes. I don't need proof and experts and if you try and challenge me you are part of the neo-liberal-pedo-elite. If you get offended then you are a snowflake and cant handle an argument.


    And anyone who does not vote the way the left wants them to vote should not be allowed to have an opinion.  It is amazing how the liberals become not at all liberal when anyone has the bad manners to have a different opinion.  That is how democracy works.  Some you win some you lose.. When you lose you suck it up and move on and done whine about it for the next 5 years.  


    It really worries me that labour are not vocally against the 95% mortgages. This isn't a Tory thing but a modern day politicians thing including the SNP.

    No party can be seen to be anti homeownership and aspiration. 

    It is a tricky one - the forum has about 6,000 members.  Far more than that number will want to take the opportunity to have a 95% mortgage and pay a mortgage rather than a landlord.  


    I couldn't agree more. I'd just like to add, turn off the news. Simply stop absorbing news. Stop looking at Worldometers. Stop reading fakebook and Twatter. It's incredible how quickly you begin feeling better, and how much focus then goes onto the things you enjoy in life.  

    Agree - FB and twit is full of self entitled politically correct snowflakes 


    I think the market would get going faster without all those coffin dodgers rattling around in large family homes, being subsidised to do so. And that's related.

    all the older folk I know who own a house have paid their mortgage off. They have the right to stay in a house they own for as long as they wish.  



    That article annoyed me.





    All these are perhaps noticeable costs - we can all see when our utility bills go up. Some employers are offering a work-from-home allowance, a nominal amount per month to reflect additional costs. The one thing I have never heard anybody complain about is the increased cost of housing - the square footage of your home that your employer has taken from you. Out of your limited space, your employer has taken anywhere between 10ft2 (small desk plus office chair), to an entire bedroom (100ft2?) if you need a dedicated private room for calls and quiet working. This either comes out of your current home, or will have to be considered for your new home (i.e. paying extra for office space that would otherwise have not been needed). I just find it strange how people moan like hell about a small additional cost, but seem to be ignoring this huge cost. 

    It is not a huge cot at all.  The savings people make from not having to travel to work,many people have to wear suit at work which costs money pk,us dry cleaning.  The fact is a huge number of people would rather work from home than have to travel to a place of employment


    An interesting thought. How much space have you given your employer. Perhaps you should charge them rent? 

    My mate has a guy who had someone working for him where the company provide sandwiches paste etc at lunchtime.  He sent a e mail to the HR dept (a big company) asking for his lunch to be paid for while working at home and his electric bill.

    My mate advised him that if he was not happy with the situation he was free to find another job. 


    I've worked from home for years, yes there are real costs mainly utilities and square footage but in vast majority of cases, I would guess the net benefit is positive. Which is why it's so popular?

    The voice of reason


    They never mention the commuting costs, Costa, overpriced packaged lunch, or random after work beers that they’re now not spending on. This amounts to far more that the tax relief on £6 per week. 

    Agree but it is beyond me why people may £2 plus for a coffee and £4 plus for a sandwich I take my own food.  


    I think I'll have saved £10s of thousands from WFH by next March. Time spent on a train/tube/traffic jam with the awful people you would expect in those forms of transport adds up to over a month (of working days) of time that can be spent doing nice, or important, things. I value that at my hourly rate.

    Then there's the season ticket/petrol/parking, very expensive, and then a load of incidental costs too. Coffees, lunches, beers etc.



    On space at home: if WFH is confirmed permanent then anyone not tied to a city centre mortgage has the opportunity to move somewhere bigger, cheaper, and not artificially pumped owing to transport links or school catchment area. 

    Which is exactly what is happening 


    The process of buying in this country is a real shamble... 

    People are negotiating price without full disclosure of defects, offers are non binding, some surveyors are totally useless. 

    Apparently you need to spot defects yourself without any training. I mean how did you not spot the garage roof need to be rebuilt and how did you not know it would cost you 10k? /sarcasm off

    Of course offers and not binding they are subject to a survey which may outline a serous issue such as Japanese Knotweed or dodgy electrics or some or minor issues.  How would a layman kn ow if the electors in a house are safe they are not an electrician.  Does a buyer get on the roof of a garage when he goes to view a house. Or the roof of the house?

    Most houses in the uk are of an age where they may be problems the vast majority of which will be minor cosmetic but now always.  


    Unless these were items the vendor/EA had already made you aware of, £15k minimum.


    Yes if he wants to lose the house.  Most people will negotiate and meet in the middle.  


    All relevant points except the antisemitism row...personally I don't think the majority WASP working/lower-middle class population gave a hoot about that issue.

    Roman - I think the anti Semitism was a bigger thing than many people realise particularly among younger voters who are very woke.  I think the support of muslim terror groups also lost a huge amount of votes from the Sikh and Hindu communities.  



    So what are people going to do then - vote labour ?? the same labour party who kicked off the house price boom and stoked it for 15 years by deregulating buy to let lending, the labour party who first sanctioned QE to prop up asset prices for the wealthy, the labour party who presided over the slashing of interest rates to bail out home owners etc etc etc.

    And supported FOM and mass uncontrolled immigration and still does which of course has no effect on supply and demand LOL 


    it was BREXIT, this lot are a one trick pony

    No it was also Corbyn - his anti Semitic party - his support for muslim terror groups and the IRA his idea that anyone who earns a good salary should be hugely taxed - his idea of taking 10% of a private individuals company - the fact that he said everything can be free -m the insanity of having an ignorant racist woman who cannot do simple maths or even put her shoes on the right feet as home secretary and his socialist policies

    The only time Labour won since Wilson was when Blair ditched socialism. 


    Just why you here then ?  That's honestly weird.

    Maybe you live up north but everyone I know has lived and breathed house prices since 2000.

    I am far from the only person here who happens to have bought.

    I do not live in the north we are in Richmond SW London.

    I am interested in other people's point of view.  I feel for many people who are unable to buy their own home.  That does not mean  I think prices are likely to plummet.  If other people do, that is fine we are all entitled to our own opinion. A forum is a place where ideas and thought are discussed and exchanged not a place where people merely pat each other on the back and tell each other how correct each other is. A while ago I had a discussion with Social Justice about everyone getting a sum of money from the govt.  I was interested to hear someone else's perception.  We did not agree with each other but were able to disagree and banter with no rancor. 

    When I and she who has to be obeyed meet friends and family we banter with each other and take the mickey - we talk about sport, what we have seen at theatre when able to go or the cinema, where we have been for a meal or a beer, most of us like reading so we swap books with each other.  

    I honestly and genuinely with my hand on heart cannot remember the last time I or my family or mates had a conversation  about house prices.  My home is where I live it is not a financial investment.  I have no wish to move for many years so I honestly do not care.  If prices go up I am not moving any way.  If they go down I am not moving anyway.  Whatever happens it is relative.

     Not everything is about profit and loss to me.  If it was I would drink in a Wetherspoon at £2.590 for a pint!

    I wish you all the best.


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