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House Price Crash Forum

Voltron

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About Voltron

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  1. Personnel possessions is something you can add to your home insurance contents policy, sometimes alot cheaper than buying standalone mobile / laptop insurance.
  2. Bigger problems lie for Aberdeen with the upcoming IR35 reform. Alot of personnel n Aberdeen were working as 1 man band limited companies. Few years ago it wasn't unheard of for people to earn £1000 day rates onshore. Nowadays is a complete opposite. day rates and per hour going down and down. Most companies have stated roles are inside ir35, so no doubt come April there will be a lot of people leaving. Very few operators are drilling exploratory Wells. The "brownfield" projects are non existent in Aberdeen. More and more private equity / independent operators are springing up as the big
  3. Pretty disappointing to read how bad the scale of fraud is, money could have been put to so many better uses, if only some simple checks were enforced. Also shows how society in general, peoples ethics and morals are going down.
  4. I have to admit, I feel really jealous whenever reading this thread and see people making 5 / 6 figure gains. I sort of knew about bitcoin in 2017, but didn't really pay much attention to it. I ended up buying about 8k worth of crypto, mix between bitcoin and alts in 2018, at the very peak, now worth about 3k. I wish I could buy more now, but been burned before, and now I just think I've missed the boat again. Was also hoping for that HPC, but seems like that also will never happen.
  5. Home survey report list value at September 2020 as £225k. Not a great place to stay aswell, as that road used to always be busy at rush hour people avoiding the haudigan roundabout.
  6. Prison Officers get 34.1%, still not enough to work in that job. Wouldn't wish that job on anyone.
  7. Not sure how this would work if you wanted to WFH, and then were "requested by employer to come into office for say a meeting, would you get the 5% back for days working in the office, paid expenses for travelling to office? Can't have it only one way which benefits the employer. Seems like a very short sighted idea, which will turn out to be very complex and lots of blowback from employees.
  8. Aligning CGT at income tax rates was one of jeremy corbyns plans and he got hammered for it. Quite funny to see alot of the Labour policies now slowly being rolled out by the "Conservative" government
  9. Its pretty depressing seeing the decline of Aberdeen, every news link posted to this thread just seems to be doom and gloom. Alot of people losing jobs and most operators looking more into decommissioning their assets. The only thing that might help get some jobs back to Aberdeen right now is if they start the decommissioning plugging and abandonment Wells campaigns, but even then that won't create lots of jobs, like os always touted in press and journal. Don't see Aberdeen ever being a renewables or hydrogen hub like they are trying to make it, why come to Aberdeen when the wor
  10. Do people think HMRC will really go after the people who abused the bounce back loan / furlough / eat out schemes? It would be great way to reduce the UK tax bill, but sadly I think it is just another pie in the sky dream, and once again show that HMRC are vastly understaffed, and only go after the low hanging fruit as they also have targets to meet and will never get the big fish like the proposed online sales tax going after amazon / ebay etc
  11. Wanted to ask everyones opinion on what to do if house will go into negative equity with a potential HPC upcoming? House was bought at 250k, current value would probably be 220k. Have about 170k left on mortgage, so right now in theory have 23% equity, however I suspect prices will fall even further in my area. Is it worth still overpaying mortgage? Plan to stay in house long term, as didn't buy for investment, but just not sure if mortgage overpayment is the best use of money with the ongoing COVID recession.
  12. Whats everyone's views on the potential huge increase in the number of people that will potentially be signing up to universal credit due to the ending of furlough and subsequently paying mortgage / rent etc. Seems like alot of people may struggle to claim due to the savings capped at £16k?
  13. How do people track their gold purchases? I.e. do you just remember the price paid for a coin or the % premium over spot? And what is the "official" spot price taken from, as the LBMA seem to only update price twice a day, AM and PM, not minute by minute during the business day.
  14. It's actually pretty good software, just checked it out and is pretty good, click on virtual tour: https://www.acandco.com/property/details/aacrps-DYC200089/14-Mill-Drive-Bucksburn-Aberdeen-AB21-9FS Surprised it sold aswell, as so many new barratt flats in dyce / muggiemoss which have been on market for long time
  15. I wish I bought when price was low, but then again I've always been terrible trying to time the market,does anybody think it's still worth trying to do research into individual shares or just go for a vanguard all world tracker, I know it's the sensible option but always feel so depressed when I hear big numbers people.making compared to barely single digit gains over a year.
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