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House Price Crash Forum

Prof

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Everything posted by Prof

  1. That's news to me, and I fit aerials for a living. Maybe if you've got a defective aerial (water getting into the dipole connection box), then yes, rain will destroy the signal. If you are in a good signal aerial with a decent aerial, no problem. And for those who have poor reception (assuming your area transmitter hasn't "switched over" yet), there's a good chance you'll get good reception once the switchover takes place. I still think there will be problems, even when all transmitters have "switched". It's as much a problem with the reception equipment as with the transmitter/aerial systems. Tried to tune in a Technika TV yesterday. It found most of the Freeview channels, and displayed them perfectly. Switched the TV off, and it lost the channels. Read the manual (sometimes you have to !), and it states that the TV requires a signal strength of > 85%, or it won't store the channels. I was getting a strength of around 65%. I measured the signal with my trusty meter, and my meter said "this signal is fine". The customer had already taken the TV back due to this problem., Absolutely rubbish design.
  2. http://www.digitalspy.co.uk/tv/s108/the-apprentice/news/a281215/lord-sugar-kirstie-allsopp-is-a-lying-cow.html
  3. Conclusion. It`s only bad "up North", and prices are still a tad higher than they were a year ago. Why did they send a reporter to a street in Sheffield, and hire a bunch of "extras" to "perform" in the background ? Could it be that they are implying that the 3.6% falls are only in areas such as this ?
  4. Grab `em while you can. Those nasty FSA people are talking about stopping them. How will we ever carry on ?
  5. Nationwide, let me see....... Yes, another organisation that don`t seem to be able to do what they are supposed to do. Someone I know recently got a credit card through NW. Already got a Flex account with them. First CC bill arrives, I told them to take the bill into the branch and pay the balance by cheque or transfer (this person doesn`t do internet banking). I told them to ask if the balance could be paid off monthly automatically. The cashier said "no problem, do you want to payy off the minimum or full balance each month ?" Answer was "full balance please". No problem, said the lady, pass me your cards and i`ll sort it. A month goes by, statement arrives, and is ignored, because the direct debit is set up. Another month goes by, and I get a phone call..... "just got the September CC statement, and there`s a £12 charge on it". I looked at it, and it`s for non-payment of the previous balance. 15 minutes waiting on the phone for some help from NW.... "how can I help you ?". My reply was "answer the phone a bit more quickly". Evenually the matter was sorted, but it`s another example of shoddy service.
  6. I listened to some of Vince`s speech. I also thought he spoke a lot of sense. OK, it might be just talk, but at least it`s been said.
  7. Nah, the approval values of the few properties sold might have fallen 3.37%, all other UK property must be worth at least 1% morth than the previous month. Because we`re worth it.
  8. I`m one of the 98.7%. I sat back and watched as the debt junkies binged on easy credit. I predicted and waited for their day of reckoning. It seems that the day of reckoning has come for the prudent, while the debt junkies have escaped with a minor scratch. What kind of message is this sending out to the next generation ? "Mummy and Daddy took on a huge mortgage, three credit cards and a 4 x 4, and it didn`t do them any harm.........." Maybe this will change, but I`m getting tired of waiting.
  9. When I mention "Liar Loans" (Eric said I could use the term, as long as I didn`t used a large, bold font) to the Bulls, they tell me that it`s not a widespread problem. However, we keep getting a news drip-feed of mortgage brokers being "found out". And as I always reply to the bulls, fraud, by it`s nature, often remains undiscovered. I wonder how many other cases will be reported over the next year or two ?
  10. When you say down, do you mean even more negative ? They shouldn`t use the word "dip", I think "easing" sounds much more pleasant.
  11. Fionulalalalalala wasn`t capable of uttering the words "house prices have fallen", so she was removed from her job as head of BBC advertising, sorry, media spokesperson just before the crash.
  12. But, but, they used to "surge" or "rocket"............. what`s gone wrong ?
  13. BBC News 8AM. No guest from Nationwide. No mention in the headlines. House prices can`t be falling, surely the BEEB would report it ? They always report increases, so prices must be staying the same.
  14. I hope you never find her. I`m sure she must be closely related to "perma-grin" Hazel Blears. House prices went up x% again in the month of x (grin), great news for homeowners (grin). The best thing for for me about then end of the property boom was not having to see "LaLa" every month on BBC Breakfast news.
  15. "If they work hard for 2 years, they`ll be able to save up enough to put a deposit down on one of my places. It`s plain sailing after that, as me and the Mrs have proved. Property doubles in value every seven years, it`s just a case of getting a foot on the ladder". "Property for sale, lots of lovely property for sale ! Stop me and buy one !".
  16. Given the factors listed above (and perhaps a few others), Id say that today`s average house price should be exactly what it is. If some of the factors that have been "used" to increase house prices (building restrictions, low IRs etc) were excluded, then I would think prices would be 30 - 35% less. I think average house prices should be 3-4 x average income, with cheaper places affordable by those on low incomes, and the most expensive places affordable by those who have worked hard and earned their money through enterprise and adding to the UK economy (not, for example by those who have speculated on house prices). That`s my dream, but it seems like that`s all it will be.
  17. That`s the way to do it ! I still get told that regular savings accounts are a waste of time, but for some reason I still use them. What a fool I am.
  18. If she hears that the value of her house has fallen this month, how on earth will she cope ? Must be terrible for her.
  19. I can assure you that you`d soon get tired of him. I`ve just spent a day or two over at MSE, catching up with Sibley, Hamish & co. I can report that nothing has changed, apart from Hamish is claiming some sort of victory and Sibley just comes out with utter nonsense. I soon got bored of them.
  20. When did that happen ? I must have been away on holiday or something. I`ve looked, but I can`t see any scars or anything.
  21. You can`t go wrong with flour, yeast and water.
  22. I thought that "you can`t go wrong with bricks and mortar, prices always rise due to supply and demand". Lot`s of people told me this over the past few years, and all those property programmes on the telly were showing people making £££ out of property. I even used to see the lovely Fionnulalalalala Earley from Nationwide, grinning at me on Breakfast News every month, as she told us that house prices had risen yet again, and all is well with the world. I don`t know why we don`t see her, or anyone else from Nationwide on the TV any more.
  23. When the cost of a litre of petrol/diesel is less than last month, it has "fallen in price". When I spend more than I earn, my bank balnce "falls". When there is no rain for several months, a reservoir level "falls", or becomes "lower". When I lose the grip on something I`m carrying, it will "fall" or "drop". Would it sound right if I said that the level of the reservoir has "eased" ? Does my bank balance "ease" when I take out more money than I put in ? Do I say "oh dear, I let go of that glass of (insert name of prefered beverage), and it eased itself to the floor ? No. There must be a special arrangement for property prices in the UK, they don`t fall, drop, or even lower, they eeeeeeeeeeeeease ! Ah, that sounds so pleasant. If the Beeb`s idea was to "mask" the issue, it nearly worked on me this morning. Popped the Teletext on, expecting the news from Nationwide. When I read the headline that HPI had "eased" in July, I thought for a second that prices had actually increased. Right, I`m going for a walk now to calm down. I hope I don`t trip over and ease to the floor.
  24. My mortgage is as good as paid off. From the day I took it on, I wanted to not pay it, so I offset and made overpayments. I always thought that it wouldn`t be a good idea to be paying a large(ish) sum each month, year after year. The plan was that if ever I was short of work, it would be one less bill to pay. Now the monthly payments are laughably small (I could pay it off, but I choose to keep it going, as I have a "top up" facility) and my income is laughably small. I know that I`d be in trouble if I had taken on a large mortgage, and I do wonder how some people manage.
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