Mainstream media article says it's not lending, its prices.

StevieJ

Graham_Devon wrote: »

Stevie, PLEASE read the convo.

We were talking under 10's a min ago.

My point was, do you just leave the over 10's to their own devices?

Percy1983

HAMISH_MCTAVISH wrote: »

2007:
House prices higher.
Interest rates higher
Total sales twice todays levels
Sales to FTB's twice todays levels.

2011
House prices lower
Interest rates lower
Total sales half of 2006/2007 levels
Sales to FTB's half of 2006/2007 levels.

It's indisputably lending that's the issue.

Very true, it was way to lax in 06/07 so everybody was at it, that mixed with a good amount of FTB's seeing sense and hey presto you get todays levels.

Graham_Devon

adr0ck wrote: »

thats over half what you priced graham

Yes, but I have a linked to where I got my figures from, from a real list of fee's.

All yours is based on is "I recall" "lets say" & "lets call".

I'm gonna do the same. Let's say it actually costs 50% more.

Thats double what you priced ardrock. I suggest you pop over to mumsnet. They will help you with your reality issues.

adr0ck

Graham_Devon wrote: »

Yes, but I have a linked to where I got my figures from, from a real list of fee's.

All yours is based on is "I recall" "lets say" & "lets call".

I'm gonna do the same. Let's say it actually costs 50% more.

Thats double what you priced ardrock. I suggest you pop over to mumsnet. They will help you with your reality issues.

stop being so childish graham

the prices of £11 a day are what I pay (i increased it to £20 to make you happy)

the price for £80 a week in the holidays is the average price in england (i think its about £60 in wales)

graham not being funny but you can tell your old and don't have a clue whatsoever of the costs of bringing a family up nowadays

here you go graham

http://www.daycaretrust.org.uk/pages/summary-of-the-childcare-costs-survey-2010.html

Graham_Devon

adr0ck wrote: »

graham not being funny but you can tell your old and don't have a clue whatsoever of the costs of bringing a family up nowadays

Not another fail...surely?

adr0ck

Graham_Devon wrote: »

Not another fail...surely?

not another childish comment...surely?

graham any chance you can actually debate the figures i've provided?

or will you just choose to ignore them as usual:whistle:

geneer

HAMISH_MCTAVISH wrote: »

2007:
House prices higher.
Interest rates higher
Total sales twice todays levels
Sales to FTB's twice todays levels.

2011
House prices lower
Interest rates lower
Total sales half of 2006/2007 levels
Sales to FTB's half of 2006/2007 levels.

It's indisputably lending that's the issue.

Yet this is being disputed in a credible and compelling way.
Go figure.

IveSeenTheLight

ultrawomble wrote: »

Or 6X the salary of a single income couple with 2 kids.

Doesn't sound so good then.

We bought as a joint couple when we were young and worked hard to reduce the mortgage.
Now we have kids, were a single income but can afford the mortgage with the wife able to stay at home.

Where there's a will, there's a way.

Why should everything be so easy nowadays?
Why does it all have to practically be handed on a plate?
It wasn't in the past..........

Percy1983

IveSeenTheLight wrote: »

We bought as a joint couple when we were young and worked hard to reduce the mortgage.
Now we have kids, were a single income but can afford the mortgage with the wife able to stay at home.

Where there's a will, there's a way.

Why should everything be so easy nowadays?
Why does it all have to practically be handed on a plate?
It wasn't in the past..........

See we have been working hard to get a deposit while young, so won't of been in the house too long before we have children, to which we couldn't afford to drop down to 1 income.

By all means I don't expect it handed to me on a plate, but it would be nice if it was at least as easy as the generation before. Yes I know its not and I am just getting on with it, but as I say it would be nice.

FTBFun

Percy1983 wrote: »

See we have been working hard to get a deposit while young, so won't of been in the house too long before we have children, to which we couldn't afford to drop down to 1 income.

By all means I don't expect it handed to me on a plate, but it would be nice if it was at least as easy as the generation before. Yes I know its not and I am just getting on with it, but as I say it would be nice.

I see that chip on your shoulder still hasn't gone away.