Get ready for the housing crash part II

carolt

pickles110564 wrote: »

Wrong again you said you are slovenly.



Fancy farming your adorable kids out to a breakfast club poor little mites must feel terribly unloved. God knows what effect this will have on them when they get older? I guess it might make them turn out like mum :eek:
Bitter,twisted and blame everyone else for their failings.

Clearly all children who attend breakfast club end up bitter and twisted.

Apparently.


By the way, people do usually turn out like their mothers, whether or not they attend breakfast club.

It's this little thing called genetics. I suppose your kids aren't much like you - but then they do have an amazing resemblance to the milkman. Can't think why.

pickles110564

carolt wrote: »

Clearly all children who attend breakfast club end up bitter and twisted.

Apparently.


By the way, people do usually turn out like their mothers, whether or not they attend breakfast club.

It's this little thing called genetics. I suppose your kids aren't much like you - but then they do have an amazing resemblance to the milkman. Can't think why.

I never put you down as a stalker but welcome, I miss the other one

carolt

So I was right about the milkman thing, then?

Wow, lucky guess.

JonnyBravo

carolt wrote: »

Oh come on, you just said I was 'slovenly' and suggested I needed to spend lots of time on beautifying.

Quite the opposite carolt. I said some people might call that slovenly but of actively pointed out that I wasn't one of them..... as evidenced below....

JonnyBravo wrote: »

Some people would call that slovenly or even lazy.
Not me though, as I know some of you women have to spend a lot of time making yourself beautiful....

You're quite right in that my intention was to suggest you needed to spend a lot of time "beautifying" though.

carolt wrote: »

I merely 'returned the compliment'.

Cheers, but like Heyman has said, I notice you're not commenting on your previous stance that it is something you wouldn't do?

carolt wrote: »

I'm sure you can cope with it and doubt your wife would really be horribly offended, either.

Oh you're right, I'm not in the least offended and nor would my wife be. It's an internet forum and I don't ever get so serious as to be properly offended. Unlike your good self who seems to have been offended in the past but is now joining in on said offending behaviour.

No, I simply enjoy demonstrating that you are a hypocrite. I enjoy making pompous and self important important behaviour look silly. Something you are unfortunately sometimes guilty of.


Job done. HTH.

Harry_Powell

Jonny, as I said once or twice before. You really need to get a life! :eek:

Seriously, I just have this mental image of you cross indexing carolt's recent posts with the other posts of hers that you have in your MSE Housing forum database (or filing cabinet if you are old school). Sorry mate, but it's just a bit sad pouring this much time and effort into proving someone wrong on the internet. It makes people wonder if you're putting together a profile on regular posters, waiting for them to slip up and reveal too much of their personal lives so you can track em down in real life and do something.

I'm a bit scared that I revealed where I was buying a house now. So many weirdo's on the internet.

carolt

JonnyBravo wrote: »

Quite the opposite carolt. I said some people might call that slovenly but of actively pointed out that I wasn't one of them..... as evidenced below....



You're quite right in that my intention was to suggest you needed to spend a lot of time "beautifying" though.



Cheers, but like Heyman has said, I notice you're not commenting on your previous stance that it is something you wouldn't do?



Oh you're right, I'm not in the least offended and nor would my wife be. It's an internet forum and I don't ever get so serious as to be properly offended. Unlike your good self who seems to have been offended in the past but is now joining in on said offending behaviour.

No, I simply enjoy demonstrating that you are a hypocrite. I enjoy making pompous and self important important behaviour look silly. Something you are unfortunately sometimes guilty of.


Job done. HTH.

Have a nice Sunday, Jonny - no, I don't take offence at your posts, mainly because you've grown-up from your original 'nose-picking' type comments (remember that one?).

I'm not a hypocrite, pretty sure I'm occasionally pompous.

Harry does have a point - how long did you spend trawling through my back catalogue for that? Those comments were some time ago. Doubt I'd be able to locate them, TBH.

Still, whatever turns you on - it's your time to waste as you see fit.

Seriously - have a good day. I generally enjoy your posts - if you want to play arbiter of truth or something (Mr I forgot-to-mention-I-had-a -BTL, whilst commenting on others' vested interests), then that's just fine by me.

You know what I'm referring to - and no, I can't be arsed to rootle through your posting history to prove it either, as I don't think anyone else cares less.

baby_boomer

I don't go with the doom and gloom merchants any more.

IMHO their biggest long term argument, which none of them particularly promotes, is the effect of student debt on future first time buyers (rising suddenly from £20K recently to £35K now to £50K in the near future). The full impact of this debt has yet to hit the housing market since people often don't want to buy in their 20s when jobs and relationships are both fluid. [Give it 5-10 years.]

But this is offset by rising future UK population levels, the potential for rising rental income from property (as a hedge against inflation, and by one fact that everyone simply ignores. UK home ownership has the potential to decline from 70% to 50%. Just because ordinary people can't afford housing, doesn't mean that the price of housing has to go down.

It could still be a retirement investment for someone else.

Sorry guys .

And regarding the OP from LoveMoney, here's a more recent one from the same site ;

http://www.lovemoney.com/news/mortgages/why-its-cheaper-to-buy-than-to-rent-4047.aspx?source=1000425

Why it's cheaper to buy than rent

Thrugelmir

baby_boomer wrote: »

But this is offset by rising future UK population levels, the potential for rising rental income from property (as a hedge against inflation, and by one fact that everyone simply ignores. UK home ownership has the potential to decline from 70% to 50%. Just because ordinary people can't afford housing, doesn't mean that the price of housing has to go down.

How is rent hedged against inflation?

Who is going to buy up 20% of the UK housing stock and turn it into rental property?

baby_boomer

Thrugelmir wrote: »

Who is going to buy up 20% of the UK housing stock and turn it into rental property?

baby_boomers like me who have seen their retirement funds and future annuity rates plummet over the last decade.

Of course rent isn't hedged against inflation. To get a real hedge against inflation you need to accept an appallingly low yield from the government .

But rent starts far ahead of that yield & also has the potential to follow wage increases - which have beaten inflation in the recent past - and don't need to do anything like that to beat index linked gilts.

JonnyBravo

Harry_Powell wrote: »

Jonny, as I said once or twice before. You really need to get a life! :eek:

Seriously, I just have this mental image of you cross indexing carolt's recent posts with the other posts of hers that you have in your MSE Housing forum database (or filing cabinet if you are old school). Sorry mate, but it's just a bit sad pouring this much time and effort into proving someone wrong on the internet. It makes people wonder if you're putting together a profile on regular posters, waiting for them to slip up and reveal too much of their personal lives so you can track em down in real life and do something.

I'm a bit scared that I revealed where I was buying a house now. So many weirdo's on the internet.

Poor ol' Harry. My memory really upsets you doesn't it?
I wonder why that is? :rolleyes:

Don't worry I won't be tracking you down in Hayes, not that I believe you live there or that you are buying a house there anyhow :cool: I think you're a bit further north than that.