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House Price Crash Forum


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Everything posted by PeanutButter

  1. Extreme heatwaves are here to stay in the UK. It’s time for us to adapt https://www.theguardian.com/commentisfree/2022/jul/14/extreme-heatwaves-are-here-to-stay-in-the-uk-its-time-for-us-to-adapt The problem isn’t confined to the UK. Mainland Europe is experiencing its third major heatwave this year, with temperatures hitting a blistering 47C in parts of Spain. Many parts of Europe suffered an unusually dry spring, leading to widespread drought conditions, and increasing the chances of wildfires during periods of extreme heat – as Portugal is now experiencing. The inescapable truth is that heatwaves are happening more often and becoming hotter, and this is due to human-induced climate change. Here in the UK, 40C summers are becoming more and more likely. Earlier this week, forecasting models showed simulations exceeding this marker, suggesting it is physically possible in the current climate. We are unlikely to hit those temperatures this month, with most forecasting models showing highs in the mid-30s, but scientists at the Met Office have shown that by the end of the century the UK could experience 40C days every three to four years under a high-emission scenario. If emissions are reduced to keep within the Paris climate agreement, the likelihood is reduced to around every 15 years. We are currently on track for somewhere between the two.
  2. Here's the graph below the one kzb posted, literally on the same University of Alabama (that venerable and world renowned scientific clown-hiring institution) page. Wonder what the red means... 🤣 Two fundamentalist Christians denying reality is hardly worthy of anyone's time. Since this is a HPC I'll bring it back to topic by repeating: if you are not planning ahead to mitigate the impacts of climate change on your personal housing situation then you (or whoever you plan to leave your assets to) stand to lose significantly. We will all be affected one way or another.
  3. Average private rents in Britain have hit record highs, jumping by more than 20% in some areas such as Manchester, new data shows. The average advertised rent outside London is 11.8% higher than a year ago, while in the capital it is up by 15.8%, according to the property website Rightmove. https://www.theguardian.com/business/2022/jul/14/private-rents-in-uk-reach-record-highs-with-20-rises-in-manchester
  4. Any time we create a power imbalance with an untouchable caste we create a safe haven for predators and narcissists.
  5. No mate. I doubt you, because you've been caught posting utter garbage here many times before So you've chosen JOHN CHRISTY at University of Alabama. What an INTERESTING CHOICE When Trump’s EPA Needed a Climate Scientist, They Called on John Christy A contrarian and outsider in the climate community, he provided the credentials that bolstered the administration’s roll back of environmental protections. https://insideclimatenews.org/news/02112020/john-christy-alabama-climate-contrarian/ Some more background on your chosen prophet of climate science (remembering of course your many posts on 'Buh what makes a climate scientist anyways mkay?') https://www.sourcewatch.org/index.php/John_R._Christy
  6. You mean like how Remain explained that we MAY get poorer and we MAY have supply shortages and we MAY have an issue with borders and trade and we MAY devalue our currency and we MAY lose free access to the EU and we MAY become the laughing stock of the entire world? That kind of may? 😂
  7. Just got an email from them saying saving rates were increasing…
  8. https://www.theguardian.com/technology/2022/jul/12/they-couldnt-even-scream-any-more-they-were-just-sobbing-the-amateur-investors-ruined-by-the-crypto-crash Koh got swept up in the social media frenzy. “You fall into this dream, this La-La land of thinking: I’m going to make it. It was like a whole trend, a pop culture. Now, sitting back, I think we got brainwashed.” Koh’s wife has a master’s degree in business administration and she urged him to be cautious. “She said: ‘Alex, it sounds like a Ponzi scheme … this is social media marketing to rope you in; take your liquidity and go.’” But he didn’t listen. “They call it ‘being an alpha’,” he says. “You have to be on Twitter, and follow the right people, and be in the right Discord channel. You listen to the right chatrooms. It makes you feel so special.” At one point, says Koh, he convinced himself that terra/luna was such a great project that he “was ready to sell my house, my car, put everything in”. Now, he wouldn’t invest even £10 in cryptocurrencies. “It’s like a drug,” Koh says. “You’ve been there. You got high. And then you’re in rehab. I’m not going to go back in again.” His greatest regret is that he encouraged others to invest in the terra/luna project. His YouTube channel, which has 17,600 subscribers, repeatedly championed the cryptocurrency. “I do feel responsible,” Koh says. “I don’t know what to do. How much I apologise. I haven’t got much hate, because I think I’ve been quite transparent in how much I’ve lost. I am not saying people forgive, though. I don’t forgive myself for it.”
  9. I read that in USA a lot of the crypto investors are black. They don't trust the usual investments, and now this (inevitable collapse) has hit them too. Can't win.
  10. So a private landlord can get the council to pay remediation costs when tenants in receipt of benefits wreck their property? And the council pays for eviction costs when a private landlord hasn't received rent for a year? Do landlords with tenants on benefits get danger money? If open market rent on a property is x are benefits tenants able to pay x + 30%?
  11. Moneysavingexpert review with Cornwall Insight's figures: https://www.moneysavingexpert.com/utilities/-are-there-any-cheap--fixed-energy-deals-currently-worth-it--/ So let's get to the nub of this. This is about whether there's a deal likely to be cheaper than the price cap if we look over the next year. For that, clearly there need to be fixes you can lock into that are cheaper than the expected October price cap. And there are. So if we factor in three months on the current rate, three at October's, three at January's and three at April's, and adjust for higher use in the winter, if the predictions are right, on average you'll pay 57% more over the next year than you do now. Of course, some of this is crystal-ball gazing and averaging, but overall my best guess, as a rule of thumb, is... If you're offered a year's fix at no more than 55% above your current price-capped tariff, or 60% more if you very strongly value budgeting certainty, it's worth considering. This isn't an exact science – do watch my video explainer from a couple of months ago if you want to understand more. Fixing below this point is still not a slam dunk, I can't promise I've got this right, there are too many unknowns, just that this is my best-guess with the information I have at the moment.
  12. People love the heat and then whinge about food prices when all the crops have withered. At some stage in the next 30 years 40C+ will become a normal UK occurance. Our govt should be talking about how to mitigate housing unfit for this type of weather, melting tarmac, buckling railways, GMO heat resistant crops, water strategies (including flood defences), and so forth. Instead they're bickering over which millionaire to choose as the next leader.
  13. Totally normal, I’m sure this won’t impact any of us in any way at all. Dozens injured in Portugal wildfires as heatwave to intensify More than 3,000 firefighters battle blazes as EU offers emergency help and temperatures could hit 43C Last month, 96% of Portugal was classified as being in “extreme” or “severe” drought. https://www.theguardian.com/world/2022/jul/10/portugal-wildfires-dozens-injured-heatwave-intensify
  14. Absolutely, the flip side being the idea that poor people are bad. This really grinds my gears because poor children can grow up internalising the idea that they/their parents are bad or worthless just because they aren’t sitting on a pile of wealth.
  15. Would need to see some threads as proof. I have been looking out for them but haven’t seen any real bear food.
  16. Presumably they’re talking about this because they don’t work for us. They work for the handful of billionaires who decide who is in power. We’ve already seen headlines saying the party donors are asking for Johnson back. When these politicians speak about corp tax cuts, they know the single mum feeding coins to her leccy meter doesn’t care about that, and they certainly don’t care about her.
  17. IDK Australia inflation is looking crazy. £5 for a bag of mange tout https://www.woolworths.com.au/shop/productdetails/162931/woolworths-snow-peas-fresh https://www.ladbible.com/news/latest-aussie-snapping-broccoli-stalks-off-at-supermarket-lower-costs-20220614 "$11.90/kg broccoli in Melbourne. Shoppers are leaving stalks on shelves," she said in the video.
  18. Platform 3.01 2k fee (also 3.04 1.5k and 3.06 at 2k) Loughborough BS 3.09 500 fee Natwest 3.09 1k Platform seem to want to top the leader board for now.
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