Expert prediction for 2012: Down!

JonnyBravo

Bigdeflationfirst wrote: »

They are bears, those who think property will just about keep up with inflation are bulls. My point is - There are not many bulls left.

Any way we are now in deflation soon to be big deflation, so feel sorry for those property owners with mortgages, your debts are surging against everything else.

Bigdeflationfirst wrote: »

Feel sorry for anyone with big mortgages now we are in deflation. Your mortgages are going up up and up as fast as you can try and pay them down. We could see big deflation then a lot of people will wish they had not got such big mortgages they will wish they sold property before it fell so much next few years.

Bigdeflationfirst wrote: »

Your welcome, hope you don't get too down when you realise how much the deflation has increased the value of your big mortgage. You are unusual most like you try to argue that we are not in a deflationary environment?

Bigdeflationfirst wrote: »

Its what is left of the mortage that is soaring in big deflation. To put it simply your house is going down and your debts are going up.

So many confused messages I'm not sure where to start.
You're right in that some people who used to be bullish on house prices are now bearish.
Me for example.
I used to think house prices would be rising 2000-sometime in 2007.... can't remember when I changed my mind to expecting falls but I'm sure you can find plenty of evidence in previous posts that I won money from Mr Ladbrokes betting on such an event.
I'm not sure that it's a crime to change one's opinion as the facts change. In fact I'd say I was closer to reality than those bleating on about falls being overdue every year since 2004 for example.

Now, onto deflation.
Yes, I'll argue that.
We're not in delfation yet. We may never enter it, but just because you want it to happen, much as you want house prices to fall doesn't mean you've got it spot on if you're calling it before it happens. That just means you're an internet nutter howling at the moon.
Quite clearly we are still in an inflationary situation.
Please note I'm not arguing that dispoasble income is increasing, or that pay rises are keeping up with the rise of cost of goods etc but my wages, and the average wage is till rising at the moment.

So to "put it simply" my debts aren't going up but we agree on one thing, neither is the value of my house.

Oh and I dont own any silver so lets not worry about that

JonnyBravo

geneer wrote: »

<snip lots of stuff>

Which of course you got. And the numbers are indeed remarkably consistent. As would be expected.


<snip even more stuff showing how concerned geneer is about the size of his debt>

How the tables have turned. That's been the worry all along hasn't it?
You're an overstretched debt junkie and don't want to give out free ammo by showing just how much you cough up in interest each month!
:rotfl:

Lovely stuff!

HAMISH_MCTAVISH

JonnyBravo wrote: »

I dont own any silver so lets not worry about that

Phew.

Lucky escape for you there JB.;)

Silver down 11% today on the start of the year, and now down around 46% from peak.:)

Talk about "deflationary". :rotfl:

geneer

HAMISH_MCTAVISH wrote: »

Wow....

It's like an e-breakdown in slow motion.

:rotfl::rotfl::rotfl:How strange that you would choose my response rather than part 94 of Renovation mans epic.

Gotta tell you Hamish, if large screeds of text are a sign of a breakdown....well they don't call you Spamish for nothing.

Hamish=hypocrite shocker.
I thought I'd never see that day.

Rinoa

geneer wrote: »

Did I?



The great victory was repeatedly turning your EPIC 5 year timing game against you and coming up trumps.

But you didn't come up trumps did you. Your timing was woeful.

You paid more in 2009 than you could have bought for in 2005 and paid your landlords mortgage for 4 years.

And you really think you've outsmarted us all. :rotfl::rotfl::rotfl:

geneer

Rinoa wrote: »

But you didn't come up trumps did you. Your timing was woeful.

You paid more in 2009 than you could have bought for in 2005 and paid your landlords mortgage for 4 years.

And you really think you've outsmarted us all. :rotfl::rotfl::rotfl:

HAMISH BOUGHT 2007.
HEATHCOTE123 BOUGHT 2007
IVESEENTHELIGHT BOUGHT 2007.
PIMPERNE1 BOUGHTx2 2007.

Tell me more about timing? :rotfl:

geneer

JonnyBravo wrote: »

How the tables have turned. That's been the worry all along hasn't it?
You're an overstretched debt junkie and don't want to give out free ammo by showing just how much you cough up in interest each month!
:rotfl:

Lovely stuff!

Indeed. First of all you're all banging on about whether in fact I own, now you're banging on about, essentially, how big my house is. :rotfl:
Apparently all based around the width of a black rectangle.
Couldn't make it up.

Lovely stuff!

JonnyBravo

geneer wrote: »

HAMISH BOUGHT 2007.
HEATHCOTE123 BOUGHT 2007
IVESEENTHELIGHT BOUGHT 2007.
PIMPERNE1 BOUGHTx2 2007.

Tell me more about timing? :rotfl:

Sob.
I'm missed off again! Any particular reason geneer.... or is just by pure chance?

geneer wrote: »

Indeed. First of all you're all banging on about whether in fact I own, now you're banging on about, essentially, how big my house is. :rotfl:
Apparently all based around the width of a black rectangle.
Couldn't make it up.

Lovely stuff!

I think you'll find I've never said I'm sure you don't own. Much as I'm not 100% you do own. After all couldn't this just be another 2 year "joke"?
I'm not basing it on the rectangle either. Haven't commented on it.


RM has uncovered one interesting aspect though.
Your desire to keep how much you pay on your mortgage a secret.
And I've now gone and hit the nail on the head by discovering it's simply because you don't want to let on how much you had to borrow.... and presumbly therefore by deduction how much your deposit was.

Tell me.... Halifax always used to lend amongst the highest LTV's.... any chance they still do???

You big ol' cuddly wuddly fuzzy wuzzy overstretched debt junkie you.

ess0two

geneer wrote: »

HAMISH BOUGHT 2007.
HEATHCOTE123 BOUGHT 2007
IVESEENTHELIGHT BOUGHT 2007.
PIMPERNE1 BOUGHTx2 2007.

Tell me more about timing? :rotfl:

I bought 07,had a rather nice deposit from a house i purchased early 90's.

RenovationMan

geneer wrote: »

:DWow. Everything thrown at the wall but the kitchen sink.
Where to start.







Who was it who said “tangent” and “diversion” and “self aware”. Good lord.

To be crystal clear RM, I don't care much about what my fan club think. I never have.

A big part of this of course is that for the LAST TWO YEARS I'VE BEEN LIVING UNDER A ROOF THAT I OWN.

Something you appear to have difficulty accepting.







Gosh. That being the case, one wonders why you didn't mention this sooner.
Anyway here's what you posted.
http://forums.moneysavingexpert.com/showpost.php?p=49701365&postcount=210
Where I gave you enough of the figures to see the consistency, and you chose to repost your quote about wanting to check that I didn't "miscalculate" before gloated LOL! IT GETS BETTER! The clear logical interpretation being that the first number was dissimilar.
Nah I'm sure it wasn't that. Perhaps you can enlighten us as to what this “actually” meant then.
I'm sure the torturous explanation will be as comedic as the reasons you've given for discounting the rest of my evidence.



Really, where did you say that then?





Which of course you got. And the numbers are indeed remarkably consistent. As would be expected.




I have infact provided the proof. though I have elected to keep the full details of my mortgage amount personal of course.




Thats called sarcasm RM. A form of Irony. Given your increasingly strange efforts, Something you clearly don't get.


Oh I have provided evidence RM. Certainly enough to convince the more stable contributors.
You've just come up with ever more elaborate ways of discounting them.

Its clear your on your own with this fantasy.

I mean, when you were typing “your evidence isn't the evidence I would have provided so your evidence doesn't count” did you not even have an inkling that you'd perhaps gone too far.





The reason your still banging on about the mortgage amounts is because its the last in a long list of increasingly detailed “requirements” your trying to use to excuse your Epic backfire.

Why won't I give the exact amount? Pop back and review your last 30 or so posts mate, and have a think about why I might not want to hand out personal financial details to clear obsessives.




Wait? What now? Your problem is now that you think the blanking covers more than one digit.

!!!!!!? You've been banging on about wanting to know whether the sums were substantial enough to cover a mortgage, but now your problem is that THEY MIGHT BE MORE THAN £999.
COMEDY COLD!



Gosh you know I will never supply it. Good for you. Anything to do with the fact that I told you, categorically, from the start that I would never supply it.

You realise its the fact that you have not budged which is bringing the funny right?




Well what happened was you appear to have sidetracked and focused on mortgage amounts.
You remember. First you wanted to know they were big enough, though now you appear to be intensely concerned about whether they are higher than £999.

I just wanted to be clear that you were still maintaining your increasingly bizarre denial, rather than just flail around randomly. Thank you for confirming.



Probably for the best, now that your back-story has morphed from a desire to know the mortgage amounts were similar, to a desire to know the mortgage amounts were large enough, to a completely irrelevant suggestion that they might be to much for....erm...well you've lost me there.





Oh sorry RM, but I feel I must highlight the fact that you've chosen to focus on another irrelevancy.
Who was it who said “tangent” and “diversion” and “self aware”.

Anyhow, Why do I care? Because its quite amusing. Haven't I made that clear?

Yawn. If you're not bothered about whether I care if you bought or not, why have you just posted a whole page worth of nonsense?

Seems to me that you're showing an astonishing lack of self awareness. :rotfl::rotfl: