Godley Posted May 9, 2010 Share Posted May 9, 2010 this would be a really big website if everyone who bought posted their purchase. whoopy, I got my mortgage approval...thread number 37,000 this month. Your're so bitter sometimes............ Quote Link to comment Share on other sites More sharing options...
Bloo Loo Posted May 9, 2010 Share Posted May 9, 2010 Your're so bitter sometimes............ and sweet othertimes I hope:) Quote Link to comment Share on other sites More sharing options...
Godley Posted May 9, 2010 Share Posted May 9, 2010 The worst time to buy - For who? Me? you? or in general across the market? If you're saying there are falls to come then I agree - it's just not the wrong time for ME. As to what I own - ~70% of what I bought it for, or about 75% if you consider what I think it's currently valued at. Ignore the d1cks. The perversity of their logic displays their real aim. Interesting isn't it that a house is a home not an investment but when you buy one you are a d1ck 'cos your gonna lose a sh1t load now mate'. Well done for getting on with your life, wish you are your family all the best. Quote Link to comment Share on other sites More sharing options...
Bloo Loo Posted May 9, 2010 Share Posted May 9, 2010 Ignore the d1cks. The perversity of their logic displays their real aim. Interesting isn't it that a house is a home not an investment but when you buy one you are a d1ck 'cos your gonna lose a sh1t load now mate'. Well done for getting on with your life, wish you are your family all the best. Im getting on with my life. thanks. Quote Link to comment Share on other sites More sharing options...
Godley Posted May 9, 2010 Share Posted May 9, 2010 and sweet othertimes I hope:) Face it Bloo buying a house sometimes makes sense at what ever stage of the cycle we are at. Plus, what as he got to lose? The money is virtually free he has borrowed and even if he did lose his job you and I would pay the fecking mortgage for two years!!!!!! Quote Link to comment Share on other sites More sharing options...
Godley Posted May 9, 2010 Share Posted May 9, 2010 Im getting on with my life. thanks. so is he, you are doing it your way he is doing it his way. Both should be respected. Quote Link to comment Share on other sites More sharing options...
Bloo Loo Posted May 9, 2010 Share Posted May 9, 2010 so is he, you are doing it your way he is doing it his way. Both should be respected. where is my disrespect? he is correct, each to his own. we know that 35000 approvals for mortgages are made every month, we know that some result in sales. we are now hearing how well off the chap is..he has no care about the future value...the thread is based on a boast from an anonymous posting from a poster that posts rarely. I treat it as 100% made up trolling nonsense. thats my opinion. Quote Link to comment Share on other sites More sharing options...
jcpricewatcher Posted May 9, 2010 Share Posted May 9, 2010 Im getting on with my life. thanks. If your life is on here posting telling us you've not bought a house today, then yes you are Quote Link to comment Share on other sites More sharing options...
Spongethrower Posted May 9, 2010 Share Posted May 9, 2010 He hasn't done that bad, I've made far worse decisions in life. Let the poor old sod be happy and let's talk colour charts. Still recommend Berger Select 100% acrylic. This stuff will do 40 sq.m a US gallon. You gotta be kidding... Dulux trade is awesome. It's not the coverage that counts but the opacity. I've used Dulux trade for colour changes in a single coat!!! with no grins Quote Link to comment Share on other sites More sharing options...
MrB Posted May 9, 2010 Share Posted May 9, 2010 Price to the market £340K - Offered £240K cash - it was accepted. Maybe it's market price is £240k? Ajay Ahuja would be impressed with the spin you put on it! Quote Link to comment Share on other sites More sharing options...
Guest Noodle Posted May 9, 2010 Share Posted May 9, 2010 You gotta be kidding... Dulux trade is awesome. It's not the coverage that counts but the opacity. I've used Dulux trade for colour changes in a single coat!!! with no grins Ah yes, but a 5 USG can of this Berger stuff is 1500 Baht, the Dulux is closer to 4000 Baht! The self-cleaning Dlux WeatherSheild is 6500 Baht! Opacity is good with this stuff, coverage and I've had no damp issues and peeling even on the perimeter wall. See? Quote Link to comment Share on other sites More sharing options...
Grime- skint wouldbe ftb Posted May 9, 2010 Share Posted May 9, 2010 Only joking (the HPC over for good bit) - but I have bought a house for very good personal reasons. Anyway, just wanted to say thanks to all on this forum for the last 6 yrs that kept me sane when job, circumstances or HPI kept me renting - bears, we were right and there is more to come in my view. Let's hope now I'm an OO that I don't become a brainwashed bull, although already the temptation is there! Amazing how tempting it is to change your views to suit your desires, even when you head tells you different Cheers again guys, W Congrats, ignore the jealous muppets who will be renting forever, they're just bitter! Quote Link to comment Share on other sites More sharing options...
Guest Noodle Posted May 9, 2010 Share Posted May 9, 2010 I see we've managed to get the @rsehole with each other just because some fella's bought a house . . . in true HPC style. Quote Link to comment Share on other sites More sharing options...
Bloo Loo Posted May 9, 2010 Share Posted May 9, 2010 If your life is on here posting telling us you've not bought a house today, then yes you are Quote Link to comment Share on other sites More sharing options...
winkie Posted May 9, 2010 Share Posted May 9, 2010 In life, I've found that a "financial tide" turns about 2 years before you realise it. What suprises me is that so many here are just stuck in this idea that they can call the bottom of the market. Not only that, there's more than one boat. Here's 2 obvious ones:. - Buying before the boom - Selling before the crash However theres more to it than obvious HPI. Here;s a few - Securing a good mortgage rate (lifetime tracker for just above base rate?) - Securing a good "protected value" savings rate (Alas no more) - Ensuring good "lodger" income by buying a large enough house. - Buying an economical house in a nice "retirement area" If you really look, there are many boats to see from which anyone can benefit - not just the "one horse race" HPI game which seems to be played in this thread.. I relate with the above...all decisions you take in life entail some sort of risk, calculated risk helps spread that risk...buying a house is not for everyone, buying a house is not the be all and end all of life, buying a house will not make you happy....there are many things in life that are worth far more. Quote Link to comment Share on other sites More sharing options...
willing Posted May 9, 2010 Author Share Posted May 9, 2010 where is my disrespect? v------ here for a start -----v where is my disrespect? I treat it as 100% made up trolling nonsense. Just because someone doesn't post regularly, doesn't mean they're a troll. It probably means they are too busy doing other stuff they enjoy, like family, career and hobbies. Go check my history or ask me a few facts about this forum, the old HPC forum, the other place or the original FT Forum on HPs where my interest started. Seriously newbie, you really need to get that chip off your shoulder. Decisions about buying are personal, not purely £££ based - if you look in my history you'll see I passed up an amazing deal (for me) where £££ was being thrown at me by my family to buy. I didn't because I would be risking their money whilst still keeping mine in the bank. A house is a home so it's all personal and subjective to the buyer, mate - if you look at taking decisions to buy any other way you're a fool. Still I wish you well regardless of the insult. Maybe it's market price is £240k? Ajay Ahuja would be impressed with the spin you put on it! Price is always set at the margins so you may be right - my 300-310 is a guess from talking to a mate who's a surveyor for the area and looking at what it was bought for in late 2004. The guy needs to sell as he's going through a divorce and needs to £££ to keep his wife from taking some of his business. My mate works in the same sector hence the go between and early knowledge that the house was in play and cash would be king. As a result, my best guess is that I got it BMV at PRESENT prices - in few years time I expect it to be valued at 240K is as I still believe we're in for some heavy HP falls. Hence the 240K offer. Quote Link to comment Share on other sites More sharing options...
Bloo Loo Posted May 9, 2010 Share Posted May 9, 2010 v------ here for a start -----v snip I made that comment long after your trolling started. Quote Link to comment Share on other sites More sharing options...
willing Posted May 9, 2010 Author Share Posted May 9, 2010 I made that comment long after your trolling started. And you accuse me of trolling, ah well Quote Link to comment Share on other sites More sharing options...
willing Posted May 9, 2010 Author Share Posted May 9, 2010 (edited) You may see inflation in: + Taxes + Oil and food prices + Various imports But not in incomes And THAT sort of inflation, would not be good at all for house prices. Many who fail to see these subtleties are going to get burned by buying property to "bet on inflation" You're right - not all inflation is good. My comment was a general one and I didn't buy because I thought general inflation was coming and would help - it'd just be nice if it did for me. That said, in my experience, whatever happens over the next 8-10yrs will be a complex mix of inflation/deflation, real HP falls and adjustment. The result will be that HPs will come back into line again - the trick in my case is to hedge myself so that I'm as likely as possible to survive the lot and hold onto the house. Whatever happens in the meantime price whys doesn't really matter, as long as when I want to sell I can. I've tried to do this as far as possible, but there's always risk attached. Edit: On an aside, in my sector (and bear in mind it's specialist, despite expecting dire years 2009/10/1 we're seeing wage inflation. Last year we held settlements at 1-2% in expectation, the result is that this year we're seeing loads of staff resignations to the extent that I now have a growing resourcing issue. Basically, if someone's good they're gone at the moment, and competitors are paying where we're not - it's very frustrating! Edited May 9, 2010 by willing Quote Link to comment Share on other sites More sharing options...
Spongethrower Posted May 9, 2010 Share Posted May 9, 2010 Ah yes, but a 5 USG can of this Berger stuff is 1500 Baht, the Dulux is closer to 4000 Baht! The self-cleaning Dlux WeatherSheild is 6500 Baht! Opacity is good with this stuff, coverage and I've had no damp issues and peeling even on the perimeter wall. See? I'm no great fan of the Weathersheild either. Found that it fades much quicker than other non-microporus paints and is certainly more difficult to get a nice finish. The question is: What's the economic efficiency like when you start factoring in time? If the opacity is better with the Dulux and therefore less coats needed, then the cost of 'time' becomes a factor. Especially if you're looking at liquidated damages on an over-run contract. This is quite pertinent as finishes tend to be in the latter stages of any project. So the question is not the physical efficiency, but the economic efficiency. If it's just your own time i.e. DIY, then what price would you put of your quality of life?. This is assuming that painting walls and watching it dry ready for the next coat is not a chosen pass-time or passion. cj Quote Link to comment Share on other sites More sharing options...
Guest Noodle Posted May 9, 2010 Share Posted May 9, 2010 I'm no great fan of the Weathersheild either. Found that it fades much quicker than other non-microporus paints and is certainly more difficult to get a nice finish. The question is: What's the economic efficiency like when you start factoring in time? If the opacity is better with the Dulux and therefore less coats needed, then the cost of 'time' becomes a factor. Especially if you're looking at liquidated damages on an over-run contract. This is quite pertinent as finishes tend to be in the latter stages of any project. So the question is not the physical efficiency, but the economic efficiency. If it's just your own time i.e. DIY, then what price would you put of your quality of life?. This is assuming that painting walls and watching it dry ready for the next coat is not a chosen pass-time or passion. cj I'm just talking about me own house bruv. Tried Nippon, the Vinilex is okay but stains easy and the Super Junior is DIRE! I've had most success with Berger Select and it works out a lot cheaper than the others and the finish is washable. Which I need with kids rampaging through the place. Walls here are cement render, even interior walls so it's easy to use and very quick. Remember that out here we get temps of 45C and rainfall you could drown in, so it's doing good so far. Price difference is due to import duty. Berger have a factory here. Quote Link to comment Share on other sites More sharing options...
Spongethrower Posted May 9, 2010 Share Posted May 9, 2010 I'm just talking about me own house bruv. Tried Nippon, the Vinilex is okay but stains easy and the Super Junior is DIRE! I've had most success with Berger Select and it works out a lot cheaper than the others and the finish is washable. Which I need with kids rampaging through the place. Walls here are cement render, even interior walls so it's easy to use and very quick. Remember that out here we get temps of 45C and rainfall you could drown in, so it's doing good so far. Price difference is due to import duty. Berger have a factory here. I'm building a house in France, you should try the paint here. 5lts of UHT full fat would be a better option. Quote Link to comment Share on other sites More sharing options...
Guest Noodle Posted May 9, 2010 Share Posted May 9, 2010 I'm building a house in France, you should try the paint here. 5lts of UHT full fat would be a better option. Have a look around because I'm pretty sure Berger is French. Quote Link to comment Share on other sites More sharing options...
Dorkins Posted May 10, 2010 Share Posted May 10, 2010 Some of the replies on this post are just hilarious. If you ever wonder why some people are owner occupiers and others are habitual renters, all the evidence is in this thread to see! I love the subtle implication that habitual renters are analogous to habitual drug users... Watch some pwoperdee porn and MSM house price ramping and then come tell me who you think the real addicts are! Quote Link to comment Share on other sites More sharing options...
Kazuya Posted May 10, 2010 Share Posted May 10, 2010 I love the subtle implication that habitual renters are analogous to habitual drug users... Watch some pwoperdee porn and MSM house price ramping and then come tell me who you think the real addicts are! +1 Quote Link to comment Share on other sites More sharing options...
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