Housing Affordability has peaked, now decreasing

leveller2911

rumbaba wrote: »

Yeah - and you've just made another one -- you thicko! No wonder you're a loser, you uneducated oaf!

I'll educate you shallI? :money:In the Christian tradition of the Church (naturally the origin of the holiday or holy-day we know as Christmas), Christmas begins at sundown on December 24 (Christmas Eve) and ends on January 6, the Feast of the Epiphany, when the Church commemorates the visit of the Magi (Wise Men) to Jesus. Christmas is twelve days, not one!
From this tradition comes the song "The Twelve Days of Christmas." The idea that Christmas begins just after Thanksgiving is an idea brought about by popular/consumer culture. Likewise the idea that Christmas ends by December 26.
Churches that follow this tradition do not decorate until December 24 and leave decorations up until at least January 6. Before Christmas Eve, the Church observes approximately four weeks of Advent, a penitential time of preparation for Christmas.


But I suppose YOU think Christmas ends when your kids go back to school!!!!!! YOU ninkapoop!!!:rotfl: D'oh D'oh D'oh!!!!!!!!!!!:D

I have to say the internet is an amazing tool.You can find out absolutely anything on here. I suppose Wikepedia and google are top 2 in your favourite list?.

Its just a tad sad that they can't educate monkeys in manners.Still the internet is always changing and progressing...

I'm guessing someone bought you a big tube of Smaties for Christmas Rum.Might be an idea to steer clear of the Blue ones, Think they might make you a tad hyper and aggresive...:rolleyes:

undetterred

leveller2911 wrote: »

I have to say the internet is an amazing tool.You can find out absolutely anything on here. I suppose Wickepedia and google are top 2 in your favourite list?.

Its just a tad sad that they can't educate monkeys in manners.Still the internet is always changing and progressing...

I'm guessing someone bought you a big tube of Smaties for Christmas Rum.Might be an idea to steer clear of the Blue ones, Think they might make you a tad hyper and aggresive...:rolleyes:

At least admit your're wrong,nothing stopping you using google,would have saved getting egg on your face.

leveller2911

rumbaba wrote: »

What YOU seem to be forgetting is, that, most FTBs don't buy 3-bed semis! They start off buying a one or two-bed flat, keep it for 5 years or so, make a whopping profit on it, and then move up the ladder! Many FTB's who have bought 2-bed flats have made 100 or even 200% PROFIT on it after 5 years......so their mortgage on their £350k semi could be as little as £150k or £200k.

If most FTB,ers buy a 1 or 2 bedroom flat and make a "whopping profit" on it who is going to be able to buy that Flat??? coz as far as i'm aware the prospective buyer won't be able to afford to buy it...

Everyone can't keep making a "whopping profit" every few years on their properties UNLESS wages rise relatively..............which they haven't..

leveller2911

undetterred wrote: »

At least admit your're wrong,nothing stopping you using google,would have saved getting egg on your face.

Plagiarism isn't education..........:rolleyes: (Rum would be lost if there was a power cut).

Just to make you feel better I was wrong, but don't tell rum eh..shhh mums the word..;)

I did post earlier I don't believe in religion,its the root of all evil......Im a humanist and although it pains me to say I even have a tad of affection Rum...He/she/it is Feisty and I like that.

undetterred

leveller2911 wrote: »

Plagiarism isn't education..........:rolleyes:

Just to make you feel better I was wrong, but don't tell rum eh..shhh mums the word..;)

Fair enuff,did'nt know when xmas ended myself either.

leveller2911

rumbaba wrote: »

I'm not convinced they would have got a mortgage 3 years ago. I know banks were irresponsible then, and lending 5/6/7 times one's salary, but ultimately the blame lays with the person taking out the mortgage! They should do their sums, and if they know they can't afford the repayments they shouldn't be so darned greedy!

If they lived in a more affluent area and on the minimum wage then I agree they had little or no chance of getting a mortgage.If they lived in areas less affluent like parts of Burnley and earning the minimum wage with house prices of around £35k then they could easily have got mortgages.

It all depends on the area. The minimum wage in poorer areas goes a lot further than it does in affluent areas.

rumbaba

leveller2911 wrote: »

I have to say the internet is an amazing tool.You can find out absolutely anything on here. I suppose Wikepedia and google are top 2 in your favourite list?.

Its just a tad sad that they can't educate monkeys in manners.Still the internet is always changing and progressing...

I'm guessing someone bought you a big tube of Smaties for Christmas Rum.Might be an idea to steer clear of the Blue ones, Think they might make you a tad hyper and aggresive...:rolleyes:

You're just embarrassed because you've proven how uneducated you are! You thought Christmas only lasted ONE day!!!!:rotfl: D;oh!!!

I thought EVERYONE knew Christmas lasted 12 days! The reason I gave you some in-depth info on Christmas was that I couldn't be bothered to go into detail for you.........much better to copy and paste so you'll grasp it better. I hope!:D

As for monkeys not having manners - you wouldn't know what manners was!!! You're rude, uneducated, ignorant and very very blinkered too!

rumbaba

undetterred wrote: »

At least admit your're wrong,nothing stopping you using google,would have saved getting egg on your face.

:rotfl:

Leveller's got egg everywhere!

I can't believe for the life of me that Leveller didn't know Christmas lasted for 12 days!!!

Just shows the sort of dumba$$es contributing to this site! Ye gods!

And he/she doesn't even have the grace to admit they were very very wrong! I only pulled out the wiki text to prove it to the numbskull, cos he obviously REFUSED to believe me.

Makes you wonder what he's on! I bet he thinks the earth is flat too!!!!!!!!!:rotfl:

ThrowingStonesAtYou

rumbaba wrote: »

It seems that many of you on here are under this illusion that you deserve a nice spacious house as soon as you've reached your 20s! Most FTBs in their 20s start off small (and are grateful for it) and work their way up the ladder until by the time they're reaching their 40s they have a 4 bed detached .

Ignoring the fact that you're clearly only here to wind people up, I can't get my head round this 'housing ladder'.

Firstly you said FTBs buy 1 bed flats and later sell for a profit, but this implies that the next 'rung' has moved even further away, so they are even worse off as a result, despite the apparent profit.

Also, my daughter will be 18 when I am 42, so I expect she'll be leaving home just after I've made it into my 40s. Why am I going to want a 4 bed detached once my kids have left home? Seems to me people have most need for 3 bed semis when they are in their mid-late 20s and in their 30s, after that you're probably better off downsizing as you don't need the space..

leveller2911

You can keep fishing Rum but this fish aint biting.........;)