house prices continue to drop ....

IveSeenTheLight

des_cartes wrote: »

So you would rather have a 235k mortgage than a 185k mortgage on the same property. Are you for real?

It's not about rather having a larger mortgage, of course it is better to have a smaller mortgage.
I simply pointed out that some people may not be able to upsize without gaining some equity on their current property.

By all means, stay in the smaller property / smaller mortgage if that's your preference, just don't moan if you can't trade up

Graham_Devon

IveSeenTheLight wrote: »

I doubt MSE would ever revoke acces to sock puppets.
It helps their advertizing revenues.

Lets say there are 100 users in this forum, but if the removal of all duplicate identities could mean there are only 30 genuine posters.

Expand that with to all the forums

When discussing potential advertising revenue, it is better if they have a higher subscription.

As to the point about the blatantness of the character, I could reel off a number of sock pupeet characters in this forum. Best not to let them get to you.

Will do nothing to their advertising revenues, as they are based on a per click / referral basis. The site doesn't sell ad space.

IveSeenTheLight

carolt wrote: »

No, he isn't.

He wants to persuade us all to buy over-priced property, to reduce his risk of negative equity.

He is definitely a do-as-I-say, not a do-as-I do sort of guy.

LOL, are you referring to me..
Let me laugh again :rotfl:

I have no risk of NE in my opinion.
The tin hat 70% off crew would have to get their dreams come true before that happened.

No I am more a realist sort of guy, understanding the situation we find ourselves in and position myself and my family to benefit from it.

I've also advised the answer, go (along with everyone else that can;t afford) and campaign for more properties to be built.
This will reduce prices, reduce rents and make it more affordable for more.
This is your dream and I have shown you how you could achieve it.

Instead you choose to be here discrediting those that have achieved what you have not.

carolt

HAMISH_MCTAVISH wrote: »

Actually, I'm quite sure you have several AE's.



Oh how very droll.

As you well know, I am the one and only HAMISH_MCTAVISH.

Unlike yourself, I have no need to create new identities to agree with me.....

No, I don't.

Name who you think is me - go on, give me a laugh.

des_cartes

IveSeenTheLight wrote: »

It's not about rather having a larger mortgage, of course it is better to have a smaller mortgage.
I simply pointed out that some people may not be able to upsize without gaining some equity on their current property.

By all means, stay in the smaller property / smaller mortgage if that's your preference, just don't moan if you can't trade up

Trading up is easier and cheaper with lower house prices. Instead of relying on houses doubling to give you enough equity try doing what sensible people always have done in the past. Save and/or pay down some of your existing mortgage to give yourself more to put down on the next house. That way you get the same next house for much less and with lower debts giving yourswelf more to spend on things other than bricks and mortar. It's how things used to be before the UK became a spiv economy and if the government get it right, how things will be again soon.

IveSeenTheLight

Aberdeenangarse wrote: »

What's he bought? A large Tent?

No, a 4 bed detached in Kingseat.

P.S. Rab C Nesbitt was a character based in Glasgow, not Aberdeen.
It would be good if these [STRIKE]sockies[/STRIKE] forum characters got their information right

IveSeenTheLight

des_cartes wrote: »

Trading up is easier and cheaper with lower house prices. Instead of relying on houses doubling to give you enough equity try doing what sensible people always have done in the past. Save and/or pay down some of your existing mortgage to give yourself more to put down on the next house. That way you get the same next house for much less and with lower debts giving yourswelf more to spend on things other than bricks and mortar. It's how things used to be before the UK became a spiv economy and if the government get it right, how things will be again soon.

I think you need to study and review the statistical and historical knowledge, especially in the last 30 or so years.

If you go back further you'll see that even less people were abole to afford to own property.

IveSeenTheLight

carolt wrote: »

Hamish, stop thanking yourself. It looks weird.

Ironically this post is not thanked by the sockie rewired.
I wonder why........

des_cartes

IveSeenTheLight wrote: »

I think you need to study and review the statistical and historical knowledge, especially in the last 30 or so years.

If you go back further you'll see that even less people were abole to afford to own property.

House ownership is falling in 2010. Reason: house prices are too high meaning ftb's cannot buy meaning people cannot trade up even if they could afford to. That is the here and now.

FTBFun

des_cartes wrote: »

House ownership is falling in 2010. Reason: house prices are too high meaning ftb's cannot buy meaning people cannot trade up even if they could afford to. That is the here and now.

So true. Except for me. Oh and 3 of my friends. And two of my work colleagues.

But apart from that, spot on. :T