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Woot

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  1. Just having a little bumble through the lanes around Haverfordwest today and I was taken aback by the number of properties on the market. It's not an area I usually look at - generally I'm driving through en route to the West, but I wonder if anyone here has any local knowledge of the village Hook, or other communities in the area? It seems a bit of a dormitory - linear settlement without a nucleus... is that unfair or accurate? Do people live here or holiday?

    Thanks - as ever I'm grateful for your insights.

  2. Just going to let the whole idea of owning property go, and concentrate on health, fitness, relationships, travel, writing, music, investing, creating multiple streams of income from doing things I enjoy, and having the popcorn ready for when it all goes Titty Titty Bang Bang :P Seriously, if you can live within your means and enjoy life, what difference does it really make if you own some bricks? I remember reading years ago about someone seriously wealthy who just lived in hotels, and thought that was weird, now I understand it. The people who used to bleat on about the "ladder" and "renting for losers" have been called out, they are debt serfs, and their opinion no longer has any relevance, except as a measure of how mad the country went during an exceptional time of property mania.

    What is your retirement plan? I'm interested to know where long-term renters plan to live. Those with a paid-off mortgage do seem much better off come retirement. And, cards on the table, we STR'd in 2003 (if only we'd known!).

  3. The house

    44b6f87f113569d8fb9fb3000ece6479c00e7b27_80_60.jpg

    This little ill-formed monster sits near Milford Haven has been lingering since last April. The price has zipped up and down, up and down, but clearly they've had no takers yet. The bizarre asymetric structure won't be to everybody's taste, and when you look at the history you can see it was bought in 2004 for £83k but they marketed it at £180k!

    Sheer greed, or rank stupidity? Do you think they've mewed the extra £100k, or do they think they deserve it?

  4. So the business model seems to be continue an earning stream from the occasional reunion bash, a few guest appearances with the likes of Titchmarsh, magazine deals, plus some royalty payments and maybe now and then a new record release - and suchlike. Regular bankruptcies to get out of debt and the taxpayers and savers to keep bailing out the debt.

    You forgot the 'gain 3 stone\ lose 2 stone \ sell a fitness CD \ rinse and repeat' meme.

  5. http://www.dailymail.co.uk/tvshowbiz/article-2550397/Kerry-Katona-facing-bankruptcy-THIRD-time-pals-claim-lives-means.html

    So you can spend as much as you want, learn nothing from your mistakes, time & again...and have time to produce another kid and to bugger off to Tenerife...yeah, why not...

    +1

    Time to bring serious consequences for feckless people who shamelessly exploit bankruptcy. It's just too easy to do this repeatedly and it is the rest of us who end up paying for it.

  6. This thread is both illuminating and depressing. Why do we have a need to prescribe a single solution to other peoples' lives? Surely none of us really believe that one size fits all? And why is there this need to judge other peoples' choices if they don't directly impinge on your own?

    Struck to by the emotive language in the article: 'deserting' the workplace? Why not just 'leaving'? 'Plunged'? Why not just 'fallen'?

    Plenty of people in both camps making all kinds of choices for reasons not reflected in the article or the discussion. Odd to be prescribing solutions on the basis of so little information.

  7. It completely undermines their position to keep using emotive language - for example when the presenter was talking of contributors 'screaming'. It is unprofessional, embarrassing and does a great disservice to those women who quietly and professionally get on with their roles.

    It is wrong to suggest that there is no inequality, however as mentioned above there is a conflation of ideas about equality and equality of opportunity. I understood Cooper to be addressing the wrong argument (and completely missing Farage's point) due to her own bias and single-agenda focus.

    This sort of flapping nonsense gives the rest of us a bad name.

  8. I am probably Josephine Bloggs as mentioned on another thread on HPC today with no way of understanding much of what is spoken about on HPC but very much knowing I NEED to be able to understand what is being spoken about. However, that said, sometimes I think my "confusion" is justified and not simply a matter of being uneducated. So what the hell does Prof James Mitchell mean when he says:

    " there was a 93% probability that London is "in the grip of a house-price bubble".

    Surely we do not need a Prof to tell us this do we? Of course it is great news when anyone dares to mention "house prices" as a negatie, but would it not be more like a 250% certainty that London IS already in bubble territory given that the average house price in London is now is £452,400 or 16 time the average London wage? So is Prof James offering us a prediction or simply saying in the midst of a torrential downpour that there is a 93% probability that if you do not put an umbrella up, you will get wet.

    Great first post, Dweller... welcome to the board. You sound as though you know more than you appreciate. And I agree, he could just be stating the bleeding obvious, but if a credibly somebody does that loudly enough and often enough for it to slip into MSM then that is all to the good as a counter to the group think we usually read of and in managing sentiment.

  9. Telegraph 9/12/13

    'High street veteran Sir Stuart Rose has told people complaining about immigrants coming to work in Britain to go out and find a job of their own. The former Marks & Spencer chief executive said it was not the fault of Bulgarians or Romanians or any other nationality if they were prepared to work hard for less money than Britons would like.

    He told Sky News: "I'm a free market economist, we operate in a free market. If these people want to come here, and work the hours they are prepared to work for the wages they are prepared to work for, then so be it.'

    I already have a job. Am I allowed to complain?

    Rose is insulated from the direct effects of overload on infrastructure, schools, hospitals, benefits system, housing, transport etc by his well-padded cushion of affluence. For those who are not, the overwhelming of our services and systems, and the additional pressure on taxes paid, is insupportable.

    As ever, the clueless observers dictate what those in the real world must endure.

  10. The fact that this coalition is dire doesn't make the previous government acceptable. I cannot believe people are making excuses for them - I don't give a damn whether Brown was foolish or evil: somebody foolish enough to make the errors he did should never have been in the job yet his party put him there... they are all culpable. Somehow suggesting his intentions were not entirely evil does not excuse his actions or reverse their results.

    I agree this crew are also dreadful - but that doesn't excuse the last crew nor make it a good idea to vote them back in. Surely that just epitomizes Einstein's definition of madness?

    We desperately need a viable third way since the existing and previous incumbents are clearly integrity free troughers, solely in it for personal gain and aggrandizement.

  11. Miliband looks like a little love sick puppy in that video, totally out of his depth as leader of Labour. I still think Labour will win in 2015 (they seem to be very slight less terrible than the current lot) but really there is no real choice.

    If you really believe they are less terrible than the current lot you are either an amnesiac or very young. Otherwise you would remember the expenses debacle, the selling off of bullion by Brown, the immigration farce, and countless other example of gross incompetence, negligence and naked self-interest over a span of a couple of decades.

    It is this short memory in so many of voting age that makes me fear for the future - the very thought of having those self-serving liars in power again leaves me cold... the damage they wrought in pursuing a PC agenda is something we can never recover from; we can only try to make up a Plan B to move on from the desperate mess they left behind.

    I agree the current lot are an appalling shower, but never forget what Blair, Brown and Balls 'achieved'. They epitomize the failure of our political system.

  12. I think you have to trust them and your siblings. I lent my parents a six figure sum to buy a house (bridging loan type thing) and they paid me back when they sold one of the houses. If some tragedy had happened in the meantime I would have shown my siblings evidence of the loan.

    They paid me interest on it (just what I was losing in savings income) in cash, so I was slightly up as that was tax free and they were up as that was less than half the bridging loan interest.

    This was over a decade ago in case any of HMRC's finest take an interest, and the period was short so the sums were small.

    You are a gentleman Frank, as I always thought. :)

    BTW how's the truck?

  13. I always find it odd when a house turns up empty for sale on rightmove. I never know whether they are a repo, a former rental where the renters have moved out or a home where the home owners have already moved out to another property.

    So when I look at houses, like the one below, I am never sure what to make of them. Is it me or is it odd to see an empty house listed - what do you think SwanseaEA? Is this normal? Having said that, I have viewed quite a few empty houses myself.

    http://www.rightmove.co.uk/property-for-sale/property-28420542.html

    I bumped into a friend that I had not seen in a couple of years this week and he and his wife had just had they house repoed. I felt so bad for them.

    There's a reason why show homes are furnished. I agree, and empty house that has clearly been lived in (as opposed to obviously newly done) is a little disquietening (did I just make that word up?). Having said that, overwhelming clutter is much worse.

  14. I finally got round to doing something I've been meaning to do for ages, put together a hopefully half decent site for exploring the prices paid data from the Land Registry, with the emphasis on fast, clean and easy to navigate. Hope some of you like it... here it is:

    http://houseprices.io

    I do like that very much... clean, clear and simple. Well done! I spotted a house I was looking at earlier in the summer - wondered what it had actually gone for and now I know. :) I've added the link to my housey favourites.

    Good job. Thank you.

  15. What are the consequences of letting it run out? Can anyone begin to itemize them? Be interested in seeing a cost benefit analysis - after all, >2Bn is a substantial amount and I'd hate to think we weren't getting our money's-worth. Equally I'd hate to think we would just jump into throwing more money into the EU moneypit without thinking through the alternatives and the consequences of every path.

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