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House Price Crash Forum


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About JJJ

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    HPC Regular
  1. They're sick of people who aren't really serious about buying a house wasting their time. There is a very strong correlation between people who are serious and people who have put their house on the market. People like you falling through the cracks are a price they're willing to pay.
  2. For those interested, Joseph Tainter's 1988 book "The Collapse of Complex Societies" discusses the threat to a civilisation in terms of increasing complexity and energy requirements in a refreshingly thorough way with nary a tin-foil hat in sight
  3. Similarly, however, supermarket tomatoes are remarkably uniform in colour, size, shape and texture, and as a very reliable rule of thumb, they're bland and tasteless - it's a trade-off1. Eating some well chosen wild tomatoes, or a non-supermarket variety that someone has grow is a revelation. Occasionally I get some good ones and make a bolognese or chilli with them; the difference is very noticeable. In fact, as I type I already feel hungry. Here, this sort of thing: http://en.wikipedia.org/wiki/Heirloom_tomato [1]: http://www.nytimes.com/2012/06/29/science/flavor-is-the-price-of-tomatoes-s
  4. Meaningless repetition turns your posts into a self-parodying cliché. Whatever arguments you present are effectively lost under the sound of it, and your response when this is pointed out to you doesn't exactly help your cause. I don't even remember whether you were for or against whatever this thread is about. I just remember that your posts became a cliché.
  5. Why not just add it to your signature and be done with it?
  6. When you feel the need to precisely defend the definition of a word in a conversation in which the topic of cats growing huge and eating people's faces has been tabled, you're taking yourself too seriously
  7. They can do it by holding the object in their teeth and then twisting their head to hurl it. Also, if a housecat suddenly grew to the size of a large dog, it would rip your face off with one swipe of a paw and eat you, no matter how many times you'd fed it in the past.
  8. To present anecdotal evidence, I think it's certainly possible to identify individual companies that are going to do well over the mid to long term and turn a profit investing in them. However, I can't do this every day; I generally find that I'll come to a conclusion about an individual company (generally one that I have some understanding of some aspect of the business) over the course of weeks or months. This presumably makes me pretty unsuitable to be managing millions of pounds of other people's money who need it invested right now. My last such conclusion was ARM back in May (who have d
  9. How long have you got until you retire and actually need to live off it?
  10. This makes no sense to me. They need food and clothes and all that sort of thing, but they are not doing any work to get it, so someone else will have to do the work to provide those things.
  11. If you read the comments on that article, you'll see that actually this is caused by immigrants. I had to keep checking the top of the page to be sure I hadn't wandered onto the Daily Mail website by mistake.
  12. No no, I didn't interpret it that way at all. There was a significant amount of luck in it; especially in the early years (although I did actually go to a financial advisor and pay him to help me find funds that matched my requirements - I had no idea at all then and given the performance of what he pointed me at, I'm happy; I asked for conservative and that's what I got). The TERs - I have done some calculations and I know what they do. Some of the funds, though, really have been doing well enough to justify it. If I could pick 'em like that myself I would, but for individual stock picks I t
  13. Yup. The same can be said for cash, gold, property, everything. I've got some cash, I've got some gold, actual property makes me sick (and it's far too illiquid and far too easily noticed/taxed ). I've also got a big bag of rice hidden away against the collapse of everything
  14. I freely admit I have been lucky; I generally picked areas I thought were going to do well, checked the funds that matched for anything I thought was a red flag (which I don't have many of - I'm no expert), and then just bit the bullet and took my chances. Here's one I chucked some cash into when it opened back in October. I'm about to panic and pull it all back out again http://www.trustnet.com/Factsheets/Factsheet.aspx?fundCode=GRFTX&univ=O&pagetype=performance The blue chips have done well, though. I went for ones with a decent dividend and a nice dividend cover, and then just le
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