And another bear bites the dust... mbga9pgf's epiphany....

JonnyBravo

Exocet wrote: »

Is it always like this on here if someone buys a house?

Lovely day outside.

Not always.

Why not go outside then? Go for a cuppa with Malcolm.

Exocet

JonnyBravo wrote: »

Not always.

Why not go outside then? Go for a cuppa with Malcolm.

Is Malcolm one of your internet pals? How could I go for a cuppa with them in the real world? And why on earth would I want to?

Lurkio

new_home_owner wrote: »

your wage after tax 2450 a month x 12 = 29400 a year
your wifes wage after tax 1300 a month x 12 = 15600 a year

If you add tax of 20 percent has you both earn less than 40,000, the total for you and you wifes gross earnings are 29400 + 15600 + 20 percent tax = 54000

£54000 is not 70,000,
Now i might have got my figures wrong but so have you and your the one who told everyone it was more like 70,000

I used to take home 2,500 a month and my gross salary was almost 50k. there is more deducted than just income tax.....

StevieJ

Lurkio wrote: »

I used to take home 2,500 a month and my gross salary was almost 50k. there is more deducted than just income tax.....

To be fair he did say he had his accommodation deducted.

mbga9pgf

50K salary = 2984 Take home after NI and Income tax

http://www.thesalarycalculator.co.uk/salary.php

20K salary = 1310 per month post tax.

I guess you were paying Student Loan deductions as well? Ties in with about what I was paying before I paid it off...

51k PER YEAR after tax, of which we have averaged around 75-80% savings on take home per month....

EDIT: 75-80% after rent deductions at source.

Tw*ttish bulls must be getting desperate when they start pulling figures out of thin air....

chucky

StevieJ wrote: »

To be fair he did say he had his accommodation deducted.

i guess that ticking time bomb ALT-A isn't going to happen now.

i was wondering why that thread hadn't been updated in quite a while... :eek:

System

chucky wrote: »

i guess that ticking time bomb ALT-A isn't going to happen now.

i was wondering why that thread hadn't been updated in quite a while... :eek:

Oh yeah, whatever happened to armageddon?

PrivatisetheNHSnow

chucky wrote: »

i guess that ticking time bomb ALT-A isn't going to happen now.

i was wondering why that thread hadn't been updated in quite a while... :eek:

did you see my post earlier? us banks no longer use proper accounting (mark to market), no-one know what their losses are. there are millions of delinquent mortgages that have not been foreclosed on.

dopester

Its not in wilts and its reduced to what I was willing to pay post-crash. 28% off original asking (reduced 22% off currently on Property bee), seller desperate to sell and its been on the market for 18 months.

1 Acre paddock, Pond, stream and 5 bed detatched needing a little work, bit remote but only 20 mins drive from a major city. only 1 hour commute from work. Jobs a good un...

Why do you need a 5 bed house with all the pretty features such as paddock? There's just 2 of you yes? I hope it's not just a prestige thing, because you're worth it kind of thing. £325K is a lot of money imo, for a FTB, even down your way of the country.

Are you planning on having lots of kids? Bit remote? Shops... have you considered schools zones for the area? A guy I knew had a house all remote.. with neighbours far and few with not many kids around for his kids to play and hang around with. Regularly getting burgled too. Not a really convenient location for taking in a lodger either, if that ever became something to consider. Always needing a car, because bus-stops a good hike away.

You probably considered a lot of that.. was just wondering a few things out loud.

chucky

PrivatisetheNHSnow wrote: »

did you see my post earlier? us banks no longer use proper accounting (mark to market), no-one know what their losses are. there are millions of delinquent mortgages that have not been foreclosed on.

shhhhh it's a secret - only the peeps on HPC.co.uk and the clever bears know about it...

come 2011 it will be carnage - property down 70%!! even in Wiltshire!!!