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House Price Crash Forum


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  1. So im not up on us immigration at the mo. Will ESTA allow unlimited travel into the states for up to 2 years? I guess as long as you dont become defacto resident. I guess thats the key difference here? cheers
  2. Misdiagnosis is fatal. A patient is described over the phone as very weak, unable to walk, unable to do any work and at deaths door. Must be highly malnourished so lets give him loads of calories. Unfortunately they didnt see the patient who was 35 stone, and what was required was a balanced restricted diet and exercise. The 'medicine' makes him feel good, but its killing him even faster. So does QE and money printing. It fans the inflation flames which robs purchasing power and confidence in the system and in money, forcing people to take positions (like in gold) they would otherwise not take, and misdirecting capital. No wonder the banks are starved of capital.
  3. And if during a conflict the yanks gave any support to Argentina even political, then we would have to pull out of Iraq and Afghanistan immediately as the home territory was under threat. Stick that in your pipe and smoke it Obama/Clinton.
  4. IMO if you have a cavity thats the big advancement. That thermal brake will cut down where most (40%) of heat is lost. I would imagine everything else can be retrofitted to yoru 70s house - eg insulation, double glazing, and efficient boiler. The cavity wall is kinda hard to retrofit. The other thing is floor insulation. New builds have much more of that.
  5. Every house will find its price based on location and cost of ownership. I live in a rural location in a stone built house, and to heat this house with oil would pretty much break you(i use alot of solid fuel). I even mused that on a ROI basis, it may be better to knock and rebuild. I believe rural houses will fall back hard due to this and the need for car for everything. People will move back into urban areas, firming prices there. But overall high heating costs bode ill for the housing market, because people who can share, or rent a room out will leading to more empties and downward pressure on rents and prices. cheers
  6. quote name='Formerly Unemployed Youth' timestamp='1315238829' post='3107898'] No mate, all my quotes are ridiculous. Combination of age, sex and area. I think they cant do it on sex any more based on some eu ruling. I remember Sheilas wheels saying they do take on men, but went on to say men dont go after their fluffy image. That made me think they are trying to make it fluffy to keep men away, but have to offer the same quote. I did try sheilas wheels, but then dont cover N.Ireland. Must be age and area. Anyway maye worth trying sheilas wheels.
  7. Insurance for you is 5k on a polo? Your kidding right? Im sure that was the highest quote, but there must have been lower. I get quotes of 2k but disregard them. Usually getting it for around 300 in the end. its just crazing s/w doing something stupid, or the insurer doesnt want any more of that profile in their mix.
  8. The older 5 series especially pre E60 are the best bmws ever built. In fact I would recommend to keep any car of that erra up to say 03-04 when they started putting in DPFs and such crap. The cars built now are much poorer in build quality and are too complicated. Anyone who thinks a car built now will last 15 years and do 200k miles with minimal cost is dreaming. My 02 530d goes like stink, does 45 to the gallon combined and has cost me almost nothing in the 6 years of ownership. In fact i think those old bmw diesels are getting dearer, cos punters realise how good they are compared to the modern stuff.
  9. I opt to have my finds come in as cash only. I then in my own good time switch them into funds. Generally try to wait for some bad news before i move a chunk. Im sure thers fees to that approach, but i feel in more control. So get a chunk of 10k cash then move it to where you want it. Im thinking of moving my stakeholder to a SIPP though. I think theres more trackability, and control. I was told my order execution on aegon was at least 24 hours. Kind of hard to time with those lags.
  10. Theres a massive amount of scamming, fraud and black economy in NI. I see it everywhere, from housewives driving X5s on business leases, to doing cash jobs, to misapproriating grants, to not declaring rental income. And thats just my neighbours. That scews things quite a bit IMO. Theres lots of people on big money. I heard just the other day of a woman that had spent 4grand on curtains for a room.
  11. everyday i hear stories of people doing what they can to avoid these rising costs or getting new income. Ive heard of scams to smuggle cigarettes, to claiming from old employers on old injuries to collecting firewood like an obsession. The struggle can be seen everywhere.
  12. They will consider it an act of terrorism, and take out S&P with special forces.
  13. Khards, Im not some northern nutter thats downing the south of ireland for personal reasons. I have good experience on this subject. I grew up in northern ireland, and then lived in england for about 5 years, along with my wife, whos from near carlow. We visit her family there quite alot. I even lived in dublin for a couple of years. I tell you this, you will be much worse off in ireland financially. Do you really think there will be broadband there? If so how good will it be. Im sitting here in NI on BT business broadband, and infinity is in this area. I can feel the difference of it. I work in telecoms. The south telco infrastructure is crap. Join these sites and ask questions. They are HPC kindred spirits and will give good advice, that in many ways will echo what I am saying. www.thepropertypin.com www.daft.ie Those dwellings are no more than hardfill in the waiting. You can get a greenfield site in the north for around 40k. Self build here is the norm, alot of houses in the country are self built . You could build a quality 4 bed bungalow for about 120k no worries, and there are plenty of builders who would be happy for the work. And it will be much cheaper to live. Nothing would change for you from living in england, bar location. You can keep your cars, drive them over, just needs to go on the dvla ni system. Your kids will stay in the same education system. Your Nat Insurance remains intact and can get access to all social services in NI. I would only say to you to come over and visit the north. I think you will be surprised. This is quite nice, and in a good part of NI. All in could be built for 150K GBP IMO http://www.propertynews.com/Property/Broughshane/HCBHCB0825/62-Lisnamurrican-Road/147542842/
  14. Are you moving to that part of Ireland for any reason other than mega cheap property? Have you spent time there? How much are you looking to spend? Remember there is plenty of ghost estates around there and mega cheap property. But for a reason. Also remember your sterling has depreciated 30% against euro and that will take the wind out of your sales re purchase. Honestly you would be better looking in the north. There are lots of detached houses with land in the country with good broadband. I live in the country in county antrim. I can be in belfast in 30 minutes, the beautiful north coast in 25 minutes, an international airport in 20 minutes, dublin in 2 hours. You should seriously consider it. Its like ireland, but run by HMG for the last 80 years as opposed to bunch of cronies. http://www.propertynews.com/Property/Ballyclare/PNC562892/38-Templepatrick-Road/147457495/ could be bought for under 300GBP easy, and 20 minutes from belfast, 15 from airport, 15 from antrim hospital. right beside one of the best roads on the island of ireland - the M2.
  15. Well theres not much to it. You go down to the tax office and get yourself a PRSI number which is the NI equivalent. Then you just get a big tub of vaseline and prepare to take it up the ass. Seriously. Some examples: 1. Cars. Not only are the expensive to buy, the annual road tax on the wrong car can be massive. up to 2k per year. check here http://www.irishlinks.co.uk/car-tax-ireland.htm 2. You got kids going to school? Well each child from primary school needs to buy their workbooks. every year. Costing 200-300 per year per child. http://www.examiner.ie/ireland/parents-seek-schools-help-to-reduce-cost-of-books-157372.html 3. Stay well. cos if you need to go to the doctor, that will be 50E to see him. cha ching. Also private medical is a must in Ireland im afraid. Everyone has either VHI, or quinn insurance. Get a quote for you and your family. Probably 2k per year. 4. Property tax is coming as is water charges next year or so, so dont go thinking theres no rates there. There will be. 5. Road tolls are present, so watch your commute. Could be 5E per day depending on where your going. Where are you going btw? 6. Used to using amazon and many of the online retailers? forget it for ireland. They dont even have post codes. 7. Stamp duty must be paid on all credit cards - around 30 a year. 8. The infrastructure outside dublin is very poor. 9. If you need the fire bridage, they will charge you. can be thousands of pounds. im not kidding. 10. Dentists are mega expensive. You WILL GO NORTH FOR A DENTIST 11. Ditto for opticians. These are but a few thinigs. In general the cost of everythign is at least 25% hihger than uk, apart from diesel. The other thing you could do is move to the North, which gets you to a housing market thats crashed 50% already, outside the euro, and everything else is the same as england regarding this stuff(Except the council tax, which is still on the rates system, and is about half english rates). Its a nice place to live- there are lots of english here who say that.
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