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House Price Crash Forum

winkie

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Everything posted by winkie

  1. Not forgetting when the Europeans first came over the pound bought ~143 euros....get a lot less today, rents and the cost of living here is much higher....one of the reasons why we don't want to do the low paid jobs is because we will not put up with living in a HMO for months on end...we have mortgages, rents and often families to keep.....nobody really wants the state to top up their wages, that is not taking back control.
  2. Big houses and cars are expensive, CT is always a big monthly outgoing however old you are....if debt free £20k for one person is more than enough if choose to live simply with low fixed costs...if going to travel part of the year to places where the cost of living and rent is reasonable, where money goes further and the climate means less spent on fuel to heat with.... important to keep fixed costs at home low, means juggling tinternet connection and standing charges.... don't want to be paying for what are not using. If two of you £15k each is even better. No right or wrong, different things for different people. The important thing is to know what you would like, and try to begin to put a plan together...sometimes there has to be sacrifices made to achieve something, sometimes it doesn't work out to what had planned other things got in the way....a change of plan.
  3. Fixed doesn't mean it is not portable.....check you can take it with you or transfer it to a new property without penalty.
  4. How many free market capitalists are directly or indirectly paid out of the social purse?
  5. Why you pointing out or singling out a certain demographic......all people want the same things.....35 years is good but doesn't guarantee you anything, just means have paid in for 35 years rather than 42 years.....
  6. I don't know but not as many as one in two........of course the longer someone lives the higher the risk, the risk is lower if see will nurture mind,body and spirit......exercise the mind, body and spirit.....quality never quantity.
  7. Questions to ask is, why selling? what buying? where buying? how much planning to spend?....why asking so much? Most sellers will have to first sell or have a viable offer before they are in a position to offer on a new place.....if asking too much they might find the property they are interested is has sold and similar either unavailable or more expensive if in a place that is at the moment going somewhere.......a place and a time and a price for everything.
  8. The joke is on the one that buys it.......you borrowed how much? As soon as easy borrowed money becomes scarce and more costly there will be fewer potential purchasers that will buy, nobody is going to use their own money to buy it......and the lenders don't want to be left holding it. There are lots of places now where the property effectively is not for sale.....there are many nicer places where it still is.
  9. Some people will still get something, the fully paid up in years of NI, the issue is when or at what age and what will they get, how much, what will it purchase or what real value will it be in spending power by the time it is collected....if still alive at a certain age they could be as you say be 'entitled' or have the right to something.
  10. I agree with your points......what we do as a country will have little impact because we import so much pollution created by others for us to use, using carbon to get it here, we don't even recycle effectively enough including recycling for energy use,we export a large amount of our rubbish......far too much plastic is still everywhere much of which we have made, used once and has been found in deep seas throughout the globe and we still keep producing it.....the plastic age. If we are really serious about cutting down on co2 emission we need targets to reduce growth or GDP not increase it.
  11. I didn't sign any contract, no verbal contract......thousands had the impression they would get a payment from the taxes they paid at a certain age, they didn't, so why should anyone expect they will get something at another age sometime in the future.....hope for the best, expect the worst.
  12. Only wish it were true, but the reality is there is no entitlement......nothing is guaranteed until collected, that will be quite a few years into the future......who knows where we will be then.
  13. Why are our infection rates still so high given all the good work we have done compared with other nations......is this a good reason for phama to want a six monthly gab?.........who has if anyone has, got a vested interest and why?
  14. Take it how you see it yourself.......not all about numbers is it now........winter for some, might be a place where life is no longer recognisable.......
  15. Good four score years plus ten = 90 .......spring = 22.5 sumer = 45 autumn = 67.5 winter = 90 give or take a fiver.
  16. Yep, many more driving less, I understand car insurance premiums have plummeted, the risk is less because driving less, at lower speed limits, better fuel conservation....fewer accidents.
  17. Task, try getting a driving test anywhere in the UK......the government don't want people learning to drive else they will at least give them the ability to do so......there are no tests available, got four grand for training, two years driving experience.......I am sure there will be many who can only wish they could get or could finance a class one license.......or even get a job.
  18. Fish a red herring, small farmers and fishermen don't care for them......sme, don't care about them......those floundering can be purchased by the bigger fish for sprats.
  19. Wow, cut down milage by half then only 75p a litre........or do what many are doing get rid of a car or work local or from home...... can't do that if driving for work claim your mileage back.
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