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non-FTBer

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Everything posted by non-FTBer

  1. Higher rates for a very short time is good though! Depends whether they spike very high and fall back quickly. That is the ideal, as it wipes out as much dead wood as possible and then treturns to a reasonable level all owing us all to buy at a reasonable price and IR. ********** and G E I.
  2. I've had some light pressure (in the form of stoopid questions). But nothing that'd make me consider buying into housing at these prices. Has anyone seen any advertising sites about recently? i've heard they're all the rage.
  3. I've not seen many new cars about recently, not many 06 plates. I have seen loads of adverts on this site though. Maybe if they show enough adverts on this site they can cause car sales to rise?? We should be told!
  4. I saw threads a while back discussing the relevance of site traffic at HPC in regards to consumer sentiment towards an HPC. As HPC is the first site which pops up on google when you search for 'house price crash' I suspect that there is some correlation. Does the site seem quieter the last few days? There certainly seems to have been less posts during the daytime (work) hours. Any comments/ideas as to why? Could this be that less people are searching for HPC on google, or just that the site has so many ads that it takes three weeks to load the homepage first time round? Have people decamped elsewhere (regulars) or are people still posting at the same rate?
  5. I suggest: FUBAR have until 5pm Friday to get the site back to a reasonable level of ads (I'm sure nobody disagrees with a reasonable level of ads, but not in the posts FFS). If they don't cut some ads out by then we can all decamp to Consa's *** site and carry on as usual.
  6. Somewhere else? I suggest that fubra (or is that fubar?) remove some of the ads by a deadline (end of friday?) or we all go elsewhere. Fubra, you only make money out of ads on the site if people continue posting here and having a good debate. There needs to be a balance between how many ads there are and the usability of the site. At present there are too many ads IMHO to keep the site usable and well laid out. Too many ads is sooner or later going to mean less posters/readers. Its got out of hand. Trying to cover your costs is one things, but trying to profiteer is more obviously your aim.
  7. Bit galling isn't it? I wonder what she would think of me if I borrowed £100K and put it on a horse? Thats the equivalent of what you're doing if you buy into some BTLs without doing your research, or sink money into a small business without a very good plan of how it will turn around. F***KING MORON.
  8. Thats not what it looked like when I got home from work yesterday afternoon - looked like the world was ending
  9. Do you think bubb would create some sub forums on house prices on GEI, maybe we can all bu55er off over there if these ads keep coming? Bubb - are you about?
  10. The blank post is quite enough to make my pi55 boil when combined with all the other blank space on the site due to Ads + adblock.
  11. Aren't house prices high? And while we're on the subject can the f**king fool who though 12 thousand google ads per page was a good idea please consider that I am yet another punter who has posted a fair bit but is willing to leave if this continues - no more posting, no more viewing - nada!
  12. Or you could empty your rubbish every day when you leave for work by stopping at a council car park and putting it in their bins
  13. FTSE up 0.24% now... will it hold? Gold at $568 / £308. Be an interesting day. I expect the FTSE to be fairly flat today, no significant fall or rise. I expect the FTSE to finish within 40 points up or down of where it started.
  14. I tend to agree. Marketing segmentation is quite flaky, phsychological segmentation on the other hand can be quite interesting but only at a fairly high level. As soon as you try and pigeon hole people in too much detail it all falls apart.
  15. To get things into even more perspective: Its better to be on the right side of the market as much as possible. I bought in to physical gold at £230/oz, sold out at an average of £398/oz (after taking buying/selling costs into account). I'll buy back in when I expect gold to rise again. If I hadn't sold I would have lost a *large* (large to me anyway) amount of money on this down trend. I'm not short on gold, just sitting out until I think the time is right. Looking for other opportunities in the meantime. Dr Bubb, obviously as you bought in at $600 you expect an upturn in gold. Do you have anypredictions for how low the current trend will go before you expect it to head north?
  16. Maybe they should offer FTBs mortgages that are no-profit to the banks. Then they could give all FTBs strict 3.5x income mortgages that are at a lower rate, and then just to make sure it works they could double the cost of all lending to BTLs.
  17. Yeah, don't buy on ebay. I recently shifted 7 coins through ebay. Made between £50 and £120 more than each coin was worth (and thats comparing it to Bairds prices - which aren't the cheapest). How much should a Kruger cost? Depends on quantity. But about 5-7% above gold spot. I'd leave it for now and buy in when you think the market is going to turn up again, no point in going long on the downtrend.
  18. I make support at about $540-$545, if it dips below $540 then it might fall quite a way. The 9/18 MAs seem to have been a fairly good (albeit slightly lagging) indicator of gold the last year. The 9/18 crossed at quite a steep angle just after this rout began. I'd at least expect the 9/18 MAs to be approaching each other before the market turns back up, and then to cross just after any upwards run begins.
  19. Try not to use past performance as an indicator of future performance it just isn't healthy, even the toothless FSA knows that Demographics might well see to it (that and the crumbling US/UK economic dominance) that house prices do not in fact rise over the long term.... they may well fall for a very long time. Remember that rising house prices over the long term have been supported by increasing population, employment and wage inflation. We now low/no wage inflation, rising unemployment and will very soon have a rapidly ageing (and falling in numbers) population. Immigration could address this, but remember that most immigrants are not taking up well paid skilled jobs and so won't be able to pay silly prices for housing. I do wonder whether this is the one last big gasp for property prices before they permanently fall back over a long number of years. I'm open to other viewpoints and don't think anyone can call any outcome a certainty yet, and I will still buy even if I suspect there will be protracted falls, but I will only buy at a price that I can afford to pay off quickly.
  20. Much cheaper than they are now. Its not difficult to haggle with them and put in a lower offer. I would not buy a new build but occassionally wind up their sales staff just to test the market. A B*****TS sales rep told me that they'd definitely accept offers of around £195K on an asking price of £225K, but that if you offered anything lower it would have to be agreed by their head office!?!
  21. Now 568.1, how much lower can it go? If it gets past $540 then look out below. To be fair to Bubb I think most of his analysis and calls are on the mark, but admittedly I though a buy in at $600 a bit of a rash move. Having said that I suspect it'll be back up past $600 again soon enough. My buy range was $540-$560, but I'll keep an eye on things for a few days now. Might wait and see just how low I can buy in.
  22. I disagree. When the SQ Foot of the property is available I usually do calculate the value based on floor space. Distribution of that space is equally important (tiny bedrooms and one huge bathroom isn't much use). Why would the floor space of a property relative to its price (given the same location etc) be irrelevant?
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