Some of you are vultures

lostinrates

I have a question...is it genrally considered poor form, to look at previous posts in intrnt discussion? I did this (actually not by looking at previous posts but reading a post in another thread and realising its strength in my point of debate) th otherday and caused similar hurt to the person, which was most certainly not my intention. so while it seems perfectly reasonable for me to do, (and I can think of plausible and just reasons why things ar discussed differently under different headings) I now wonder if its generally considered poor form?

custardy

not at all.
often it gives insight in the person,their tone,posting style,background etc
i moderate on another forum and often look back over posts when trying to evaluate a poster

WTF?_2

carolt wrote: »

I think, sadly, that those who are losing out due to the HPC are desperate for someone, anyone, to blame - rather than accept responsibility for their own behaviour.

Yep - no one likes to blame themselves. Hence plenty of casting around for scapegoats in the media (the banks, the Americans etc) but very little mention of the fact that plenty of individuals borrowed irresponsibly.

In fact, if anyone has the right to be angry about this it is the prudent who did a bit of thinking, resisted the madness of the HPI bubble and saved.

We now face our savings being eroded (even wiped out in a bank bust) and are just as likely to face unemployment or lower wages as those complicit in the chain of events leading to the recession.

In fact, we actually have something to lose - our savings - as opposed to having a pile of debt which will just lead to other people (the creditors) losing out.

But on top of all that, we also have to take stick from the irresponsible who blame us for their actions because they can't own up themselves. You couldn't make it up.

ad9898_3

phil1873football wrote: »

'ad9898' if you read my previous posts, you may understand my theory, I am not struggling with my mortgage, i just want to move to get away from my intolerable council housed neighbours. I can't however, as prices have crumbled, therefore, can't sell my house for the amount that I need to allow me to move...and before you question my house price...it is already £10k under what its valued at.

I dont want to 'climb the housing ladder', i just want a house that I can live peacefully in for the rest of my life, however, the way things have turned out, that will never happen. I got the impression from the quote on the post you referred to was that the older generation won due to house price increases, the future generation will win with the crumbling house prices, and the ones in the middle who purchased on 'proffessional' advice must just have to grin and bear it.

I am frustrated not at the state of the market...but at the fact I cannot see a peaceful life for myself due to the fact i will never be able to sell my house.

Sorry phil, I hadn't read your previous posts, that sounds an awful position to be in, I have experience of bad neighbours, I hope you can move soon.

WTF?_2

custardy wrote: »

not at all.
often it gives insight in the person,their tone,posting style,background etc
i moderate on another forum and often look back over posts when trying to evaluate a poster

One or two regulars here make a point of trimming past posts which cast them in a bad light.......

tesuhoha

MrDT wrote: »

Let's take it a step further, and blame the NICE decade and HPI for his problems.
If prices hadn't rocketted so uncontrollably there wouldn't have been so much building work in the past few years, we wouldn't have seen all those extra people training as sparkies and brickies etc to cash in, there'd be no house price crash, and he'd not be out of work. Everything would be steady.

People can always twist things in such a way that the 'big bad evil <whatever>' that they hate is seen as the root of all their problems

Yes call it twisting things if you will. But its not the ordinary people that have caused all this. Its the Governments and the banks. We are just at the mercy of the powers that be. Most people just want a job, a home, no debt and enough to live on. There are so many young people now with no hope at all, no hope of employment without even mentioning a house.

sdooley

phil1873football wrote: »

So does that mean us in the middle are the lost generation now??? paying for the mistakes that the previous generation started and being punished by the generation coming through

The older generation had a windfall benefit from house-price inflation which is unlikely to be fully reversed (for those that went all the way through to equity release there is no recourse and they have had the full benefit). Some of the older generation will lose out because pensions aren't doing too well at the moment.

In both the middle and the younger generation there is a mixed picture. For those in the middle generation who keep their jobs through the recession there is no real loss unless they need to move when in negative equity (a minority).

For those who lose their jobs they will face severe losses and there will be many personal bankruptcies and more informal arrangements with creditors chasing over many years.

For the younger generation, those who are employed will be able to get onto the housing ladder with a smaller overall debt. But that isn't a real gain - at least not for many years until markets improve - they will have similar housing costs overall. Many new graduates will not find work (or work of a graduate level, in which case they will compete down making it harder for those without higher education to find work in the service sector, temping etc). Those that are in work will find their jobs probably more insecure than those of the 'middle generation' as many employers still follow the last-in first-out rule in effect if not in policy.

morg_monster

i think going back to people's old posts is just a fairly easy way to score points in a debate, and since everything is recorded here forever... it would never happen to that extent if you were having an argument with someone In Real Life...
from my POV I think it is OK to use it to say "A-ha, well 6 months ago you said this so clearly you did once think that..." which might cause a red face and a bit of explaining, but perhaps digging up posts which are of a more personal nature is not such a good thing and just makes the person it's aimed at feel bad like they've been caught with their skirt in their knickers or something. People do get quite personal on here and talk about things they wouldn't necessarily discuss with anyone In Real Life, so it seems a bit below the belt to drag them up again.

I often look at old posts to get "the measure of" someone, to determine if they are usually provocative, or having a bad day, or what their background is, but I don't think I've ever quoted something ... but you can go through my old posts if you want and check!!

longtimelurker_2

tesuhoha wrote: »

There is nothing wrong with renting but the people that are going to profit from this with lower house prices, they obviously don't think renting is the ideal or they would carry on renting.

Unfortunately renting in this country is very far from ideal: short tenancies and little stability. I hear the market is more geared to tenantson the continent. Renting is a pain, everyone wants their own space that they can make the way they want it and everyone wants to live autonomously without a landlord dictating lifestyle choices.

Maybe there should be an overhaul of the way people are able to rent and it will become a much happier stopgap.

lostinrates

custardy wrote: »

not at all.
often it gives insight in the person,their tone,posting style,background etc
i moderate on another forum and often look back over posts when trying to evaluate a poster

So its not a recognised lack of courtesy, like shouting in caps? Thank you.