Toys..... Pram

markharding557

Jonbvn wrote: »

The same error twice in the same sentence makes the OP look a bit .......uhm.....uneducated?

That maybe so but it is still not relevant to the thread and in my view is a poor way of debating.
I rely on firefox's spell checker due to mild dyslexia-is my opinion less valuable?

Batchy

well done OP, saving a 33% deposit is not something that happens by luck.

doesnt matter if house prices fall 30%, the deposit will still be needed in 'real value terms'

If you can't save your 30k or whatever you need for a 85% deal now, you will still need a 30k deposit on the same cheaper house following huge falls.

150k property falls 33.3% over the next year... its now worth 100k, the 30k deposit is now a minimum as the lowest they will go following a year or 33.3% falls is 70% LTV.

its all relative, as a HPC wont magic many people the property they expect. Ie, a 100k 3 bed semi with garage and nice neighbours, in a nice area, with only a 10k deposit following 33.3% falls. You will not get any 90% deals for a long time following that.

The answer to all their problems lies at home...

SAVE YOUR DEPOSIT AS FAST AS YOU CAN TO TAKE ADVANTAGE OF MARKET CONDITIONS.

Debt wont buy you anything on its own, however having cash on side will improve your prospects of obtaining finance remarkably!

chucky

if you're situations make you need to buy a house, then buy it.

if you don't need to buy yet, don't buy it, rent and try and find your bargain that you're looking for.

but if house prices do rise in the next 5 years, you'll only have yourself to blame for not making the decision.

this same thing happens before and will happen again and again.

RenovationMan

neas wrote: »

You have either uber-bears or uber-bulls nothing in between.

I'm in between and there are plenty of others. Perhaps we're lost in all the noise?

I think your taking this board far too seriously. Its exactly what Davina McCall whispers to Big Brother contestants when they get voted out...
"It's all pantomime".

I think its great fun in here and keeps me amused while I pursue my more serious financial goals of increasing the value of my pension and investments via info on those boards and reducing my mortgage on the MFW board. This board is just an online version of "Its a knockout". I expect to see Stuart Hall at any moment!

nicko33

RenovationMan wrote: »

This board is just an online version of "Its a knockout".

and a bit of "Mock the Weak"

nembot

chucky wrote: »

if you're situations make you need to buy a house, then buy it.

if you don't need to buy yet, don't buy it, rent and try and find your bargain that you're looking for.

but if house prices do rise in the next 5 years, you'll only have yourself to blame for not making the decision.

this same thing happens before and will happen again and again.

Are you a Cylon Chuckster, maybe the 13th?

Percy1983

I am neither bear or bull, I do see a downward trend to which I would guess will continue but to actually guess whats next is past me, but I do question the morals of the ups (when people celebrate more people being priced out).

With that I have have had many personal attacks in recent times (with things nothing to do with the topic at hand) because certain members don't agree with my opinions. I will admit I am guilty to then defending myself and in course feeding said troll, so I am sorry for that and I won't do it again.

Likewise I would urge anybody who sees personally attacks on anybody else to click the abuse button, if we all report what we see I am sure certain memebers will soon stop such attacks or be banned, hence making the forum a nicer place.

JonnyBravo

Percy1983 wrote: »

I will admit I am guilty to then defending myself and in course feeding said troll, so I am sorry for that and I won't do it again.

A thinly veiled reference to myself no doubt.

Feel free to report me anytime I call you a "parasite" and I shall simply return the favour. If you want playground I am more than capable of delivering.

If you're so keen to leave it alone why have you taken to Private Messaging me yesterday and today?
If I see more hypocrisy I shall continue to point it out for all to see.

chucky

Percy1983 wrote: »

Likewise I would urge anybody who sees personally attacks on anybody else to click the abuse button, if we all report what we see I am sure certain memebers will soon stop such attacks or be banned, hence making the forum a nicer place.

Rule 1 of an internet forum - play the victim card when you've discredited yourself and can't back up your own argument.

RenovationMan

JonnyBravo wrote: »

A thinly veiled reference to myself no doubt.

Feel free to report me anytime I call you a "parasite" and I shall simply return the favour. If you want playground I am more than capable of delivering.

If you're so keen to leave it alone why have you taken to Private Messaging me yesterday and today?
If I see more hypocrisy I shall continue to point it out for all to see.

Goodness me, what's this all about?