Jump to content
House Price Crash Forum

bitter and twisted FTB

New Members
  • Posts

    35
  • Joined

  • Last visited

Everything posted by bitter and twisted FTB

  1. I put in £8.5k in May this year. I've had back 5 x £50 wins (three of which were from the Dec. draw)
  2. Two nieve 'daddies girls' who have no concept of the real life outside 'cosmo mag' / 'hello mag' dream world. Sickening stuff this weeks prop. ladd. I'd like to give them two a slap on behalf of HPC :angry: :angry: :angry: :angry: :angry: :angry:
  3. I've been thinking this too. Why after several years of good sales on the back of the UK's retail spending binge are the high street retailers so worried? Did they believe the spending spree would go on forever? Have they geared themselves up to the max like BTL'ers? Is this just hot air from the retailers trying to convince the BoE to drop IR's in hope to eek out the last few pounds from the consumer?
  4. A bit off the tread, but an example of just how daft folk are these days to weigh themself with stupid debt..... Met up with a friend of mine over the past weekend. Good job, earns ca. £32k. Has recently bought on a 8.5 x anual income mortgage! I was gob smacked. I thought this sort of thing was only heard of on HPC..!!! I just don't understand the current mentality of people. We (us HPC'ers exempt) seem to have lost all grasp of money. This £1.1 trillion .... it's going to hurt, maybe not today but for sure some day - at least i hope it does benifit us more financially responsible folks with at least our bank balances in the black. Sigh...!!!! Anyway, back to the wine...............!!!
  5. ..... i'm not that bitter and twisted really, errrm, well that's as long as i remember to take the medication..! Ohh, yeah, i am a want to be FTB though, that's for sure.
  6. Great post BB Yep, not only does this point to recession but a major lifestyle change for those who seem to live a life of financial ignorance. What comes around, goes around, as they say. I just hope that it aint going to be us more financially responsible folks that some how end up bailing these idiots out. :angry: :angry: :angry: :angry:
  7. How about this... http://www.beach-huts.co.uk/huts/index.html £20k to £140k for a wooden shed next to the sea...! Madness..! :angry:
  8. Have you heard the latest spin on this story in The Sun..? http://www.thesun.co.uk/article/0,,2-2005230684,00.html
  9. Sorry pioneer31 - my reply came over as a bit arrogent! No bad intent was ment. Best wishes to all on HPC.co.uk - it's good to be part of the HPC family Time to call it a night too. Good night all
  10. What determines the rate of decrease in water tempeature with time for the example you have mentioned is the heat transfer coefficent(s) between the water surface area and surface area(s) the water is in contact with! There is no black art involved here - just a simple bit of simple thermodynamics/heat transfer. It is really MUCH simpler than it seems and not worth getting your knickers in a twist about!
  11. Yep - more jobs in McDonalds and KFC for these misguided graduates 'cos that's not far from the true worth of such 'soft' degrees, especially with such an overload of such graduates in the system
  12. The problem with todays universitys is that they churn out hundreds of useless twats with 'art history' or 'media studies' so called degres. They think they are the bees knees just because they have been to 'uni'. They expect to earn a shed loand of money just because 'mummy and daddy' forked out a load of thier savings to send them off to uni to sit on their arses and think themselves important. The days where 'geniune' intelligent and enthusiatic people go to university to learn a REAL profession in the sciences or engineering are dead. Just look at the demand for electricians, plumbers ect has sored. When will young folk realise that a degree in ANYTHING other than a profession in demand, or with genuinly useful transferable skills is USELESS!!!
  13. Ya' right there trev... Before getting this loan i had pretty much always paid my way and was quite nieve just how keen banks and loan companies are to load folk up to debt.
  14. It is scary just how easy it is to get credit. About a year ago i needed a new car 'cos mine was on it's last legs. At the time my employment wasn't that scecure and was only poorly paid. I also didn't have much in savings. So for the first time in my life i decided to get a loan for £4000 - enough to get me a reliable car which would last me a few years and the repayments on the loan over 3 years i could meet without sleepless nights - ie RESPONSIBLE debt! I applied for the loan via several companies and was blown away with shock when i was bombarded with phone calls from the loan companies i had applied to informing, or rather giving me the 'hard sell' that, 'no, you don't want to borrow £4000 for a car when we will loan you upto £10,000'. It would have been so easy to say 'yeah, why not. If they will give me £10k then why not take it'.
  15. Couldn't agree more. What worries me is that in the growing culture of 'no win no fee' litigation in this country, when 'the crash' does occur these idiot irresponsible folks who have put themselves in deep debt will simply pass the balme to the banks and lenders for lending them the money in the first place and start legal precedings to 'bale them out' of the sh*t they've got themeselves into though their own greed and stupidity. There you go - the next boom !! Become a lawer !!
  16. Hang in there fellow FTB'ers. Just a couple of months ago i almost went £140k in the sh*t for a new build 2 bed shoebox (no doubt with similar build quality ) in despartion to own a 'home'. You are in good like minded company here.
  17. I'd love to know how many 'Mr. Averages' there are out there. I guess when it does, it aint just the 'house price bubble' that's going to burst, looks like 'the reality bubble' could well colapse around these Mr. Averages too.
  18. Not_a_herd_mentality, Do NOT buy this flat. You have NOTHING to gain by buying instead of renting in this unstable time. Listen to your BRAIN not your HEART ( and also listen to the many folks here on HPC.co.uk - you will not get better advice else where!) I'm to a desperate want to be FTB'er and know who you feel - but DON'T but now!
  19. Great post...... Just more evidence for us FTB'ers (and all other folk!) to sit on their savingings until the brown stuff hits the fan.... I'm so desparate to my own 'home' but realise that buying now, or soon, is financial suicide. Remember - look after yourself 'cos no one else truly will
  20. zzg113, i like your thinking too....... It's good to find a comunity like this with people with their feet very much on the ground.
  21. Hmmm - I like your thinking big ears, but still think their is a big 'reality bubble' that sellers need to overcome before lowering the seling price regarless of what a surveyor says the value of a house is. I can't wait for stories over the comming months of Mr. Stupid Smith to realise that is house which reckons is work £x thousand pounds to be valued at a sh*t load less! Bring on the house price correction - bring on realistic house prices for the future generation of the country
  22. This is one from a different board. Hard to believe, but I think he was serious... Our House Sale Quote...... by Martin Charman 14 Nov 2004 02:37 AM Our house in South Croydon has been on the market for 9 months and has had 3 buyers who have pulled out one after another. Why? Simply because the valuation showed the house to be worth less than the price offered for the property. Sadly, each valuation has given a lower price than the previous one. In Mar, valuation showed £320k. In Jul, valuation showed £305k In Oct, valuation showed £289k. Why are the surveyors doing this? The house is worth £335k - it must be because we bought it for £250k two years ago and we have had house price inflation of about 40% since then. Is there anything I can do to stop the valuations coming in so low? Ha....!!! I wonder how many other similar stories we will hear over the comming months. It aint just the 'house price bubble' that's going to burst, for many ignorant twats like this fella the 'house price reality bubble' is going to burst too. We seem to blame EA's a great deal for the current house price bubble, but with an apparent abundance of twats like this fella around is it no suprize EA's have taken advantage of the apparent stupidity of house buyers?
×
×
  • Create New...

Important Information