Crashers get ready with those big deposits!

Graham_Devon

Hamish, I think the point is rather you insist housing is affordable, yet couldn't afford it yourself. It's only now you have the housing that you insist it's affordable.

You insist people can buy, but should buy what they can afford, but have said previously you didn't want a flat, so got help from your parents to buy a house, yet tell others to stop whinging.

You are just getting caught out sometimes in your blinkered beliefs now you are on the ladder and want it to keep rising. No biggy, happens to all of us. Sometimes, the blinkers need to be removed to see clearly.....but removing them is almost impossible in a lot of cases.

Orpheo

Sibley wrote: »

Just so you know what you are dealing with.

HAMISH_MCTAVISH

Graham_Devon wrote: »

Hamish, I think the point is rather you insist housing is affordable, yet couldn't afford it yourself. It's only now you have the housing that you insist it's affordable.

You insist people can buy, but should buy what they can afford, but have said previously you didn't want a flat, so got help from your parents to buy a house, yet tell others to stop whinging.

But here's the thing Graham.....

I fully accept we were fortunate to have parents who could help us skip a rung on the ladder, or buy a year or so earlier than we would have been able to do otherwise.

When we bought, we had enough for a deposit for a flat. If we'd waited another year or two, we'd have had enough for a deposit on a house.

Millions of people have parents able and willing to do the same. And millions presumably don't.

In all of those cases however, each and every one of us has to accept the cards we are dealt. Whining about it online won't make any difference.

If a young person has parents willing and able to help, then they should take it and be grateful. If a young person has parents who are not willing or able to help, then they have to accept it and buy what they can afford, or rent if they can't afford to buy.

I'd love to buy a Ferrari Graham, but the reality is that I can't afford to buy the one I want. This doesn't make me whine online that Ferrari's are unaffordable and we need a Ferrari Price Crash. Or spend every waking hour trolling the Ferrari Owners Club forum with multiple ID's posting every economic doom story I can find and claiming there is about to be a huge Ferrari price crash, so they should all sell up and get out now.

I just accept that my choices are to either earn more money, or buy a relatively poor condition old 348 and accept the crippling maintenance bills that come with it.

We don't all have a god given right to own a ferrari, just as we don't all have a god given right to own a house. Let alone a 3 bed semi in a leafy suburb.

If you can't buy a house, you buy a flat. If you can't buy a flat, you buy a shared ownership place. If you can't even afford that, you rent. If you can't rent a house, you present yourself as homeless to the council and they'll give you accomodation somewhere.

But in all those cases, you either make the most of what you have, or find a way to earn more and get more. Whining about the unfairness of it all won't make a damn bit of difference.

[/rant]

Graham_Devon

HAMISH_MCTAVISH wrote: »

I'd love to buy a Ferrari Graham, but the reality is that I can't afford to buy the one I want. This doesn't make me whine online that Ferrari's are unaffordable and we need a Ferrari Price Crash. Or spend every waking hour trolling the Ferrari Owners Club forum with multiple ID's posting every economic doom story I can find and claiming there is about to be a huge Ferrari price crash, so they should all sell up and get out now.

[/rant]

But neither is anyone telling you you are stupid for not being able to buy a ferrari. Neither is anyone rubbing their ferrari in your face saying "hahaha, I bought before you, ha, you tried but failed, and are still failing, ha ha ha ha ha, I might buy another, I can afford to because I am so much richer than you and my ego isn't quite big enough yet" and such like.

Let's not pretend you are not going round saying "houses are more affordable than ever", while laughing at anyone who missed the bottom, while telling everyone to take risks etc etc etc.

You get annoyed every time the fact you got helped get's bought up. Probably because you know it goes against everything you laugh at other people for and are in danger of actually having to open your mind to the troubles people have, and you would have had, if you hadn't have had a handout.

System

I don't think it's laughing at "everyone who missed the bottom", really it's just the vile cretins that a) laughed/celebrated at homeowners expense when prices were dropping and b) insulted anyone who predicted anything other than 50% drops.

I feel for those priced out, people who I describe above can rot however.

ruggedtoast

HAMISH_MCTAVISH wrote: »

And you have an obsessive urge to keep discussing the fact that we, like millions of other young couples over the years, received a few thousand pounds from parents as help towards a deposit, having saved the rest ourselves.


So just to be clear, what is that you object to?

1. The fact that our parents thought it would be a good way to give us a wedding present?
2. The fact that parents have been helping children onto the housing ladder this way for generations?
3. The fact that this allowed us to buy a house a year or so earlier than we otherwise would have?

Or is this just another one of your pathetic attempts to play the man and not the ball.....

Ad hominem abusive

Ad hominem abuse usually involves insulting or belittling one's opponent in order to invalidate his or her argument, but can also involve pointing out factual but ostensible character flaws or actions which are irrelevant to the opponent's argument.

This tactic is logically fallacious because insults and even true negative facts about the opponent's personal character have nothing to do with the logical merits of the opponent's arguments or assertions.


Examples:

• "You can't believe Hamish when he says the proposed policy would help the economy. He's a right wing Tory toff."
• "Hamish's assertion that buying a house is affordable is nonsense. He got help with his first deposit two decades ago."

So basically Hamish, you got a hand out from Mum and Dad which enabled you to buy property.

Years later you then, for reasons I find frankly unimagineable, have little else better to do than spend half your life on a minor part of a popular message board gloating about this to people who dont own property.

But no ones allowed to mention how you got this property in the first place because pointing out you arent quite the financial genius you oddly seem to think you are, is a personal affront to your character.

Is that about right?

doire_2

HAMISH_MCTAVISH wrote: »

And you have an obsessive urge to keep discussing the fact that we, like millions of other young couples over the years, received a few thousand pounds from parents as help towards a deposit, having saved the rest ourselves.



So just to be clear, what is that you object to?

1. The fact that our parents thought it would be a good way to give us a wedding present?
2. The fact that parents have been helping children onto the housing ladder this way for generations?
3. The fact that this allowed us to buy a house a year or so earlier than we otherwise would have?

Or is this just another one of your pathetic attempts to play the man and not the ball.....

Ad hominem abusive

Ad hominem abuse usually involves insulting or belittling one's opponent in order to invalidate his or her argument, but can also involve pointing out factual but ostensible character flaws or actions which are irrelevant to the opponent's argument.

This tactic is logically fallacious because insults and even true negative facts about the opponent's personal character have nothing to do with the logical merits of the opponent's arguments or assertions.



Examples:

• "You can't believe Hamish when he says the proposed policy would help the economy. He's a right wing Tory toff."
• "Hamish's assertion that buying a house is affordable is nonsense. He got help with his first deposit two decades ago."

Like your obessive urge to laugh at and preach to those that are now priced out. A situation you found yourself in years ago.

ruggedtoast

doire wrote: »

Like your obessive urge to laugh at and preach to those that are now priced out. A situation you found yourself in years ago.

Exactly, although this does explain why his "advice" to first time buyers is so flaky. He hasnt got the faintest idea what its like to have to be financially self reliant, something which is more than evident in his posts.

neas

It took me 5 years to save up my deposit for my current house.... but my wife and I did it alone on our own ingenuinity I worked my !!! through university, saved and scrimped.... and now we have a reasonable amount of equity... bought the house at a 2004 level (paid similar to what was paid in 2004) and can get on with our lives.

I dont go around gloating that I was able to save all that money, and I see peoples problem with you Hamish... if you got help to get on the ladder than you cant say jack to anyone because... you didnt really do it... your parents did.... go back and try to rent for 5 years while saving massively... just so you can afford a home for your family?...

Graham_Devon

Joeskeppi wrote: »

it's just the vile cretins that a) laughed/celebrated at homeowners expense when prices were dropping and b) insulted anyone who predicted anything other than 50% drops.

I think you will find it's absolutely anoyone who suggests the possibility of prices falling, not just the extremists.