Debate House Prices


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Nice People Thread No. 14, all Nice and Proper

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Comments

  • ivyleaf
    ivyleaf Posts: 6,431 Forumite
    Part of the Furniture 1,000 Posts
    edited 11 May 2015 at 6:07PM
    kabayiri wrote: »
    What does he like?

    I have had some good pressies of DWs' parents. A decent spirit level. A set of good quality small pliers.

    Any hobbies you can tap into? :)

    I got him an Amazon voucher in the end - unexciting, but valid for ten years :eek: If he doesn't find something he wants in that time, there's no hope for him :D

    Poor old PN :( Glad you're starting to feel a bit better. A bath often helps, provided of course one is well enough to climb out of it afterwards! I'm sure I read somewhere that chilli is good for colds.

    Maggie Are you all right atm? You're very quiet. Thinking of you.

    Thanks for the good ideas for birthday gifts :) I did get theatre tickets once, but money's a bit tight atm until we both reach State Pension age, when it will ease a little. That's as long as the new govt doesn't do away with the State Pension, at least :p . And neither of us can walk far.
  • silvercar
    silvercar Posts: 49,680 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    Can someone explain this to me.

    Round here (inner Hertfordshire) and I guess most of the south, the rebuild costs of a house are far less than its value. So the land value plus rebuild cost would still leave a profit element on resale if a house had to be demolished and rebuilt. So the rebuilding cost on insurance is lower than the property value.

    Uup north a 3 storey georgian terrace has a rebuild value of 240k, yet the price is only 130k. "because it would cost more to rebuild than its worth, so you have to insure it for the full rebuild cost". I understand that in theory, but surely if the worst happened and you needed to rebuild, why would you bother? And if this is all true, why don't we hear more of insurance jobs where houses are accidentally flattened?
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    edited 11 May 2015 at 7:15PM
    GDB2222 wrote: »
    Of course, the transvestites who carry it off okay go unnoticed, but maybe that's not what some want? Or maybe some are just really bad at it. I remember seeing the website of someone who was exploring his sexuality in this way, and he just looked like what he was, a big, burly, lorry driver, but wearing a frock. A catastrophic fail, really.

    The last time I was talking to a transsexual, I found her absolutely convincing as a woman - not just the clothes and hair but the voice and the posture and so on - apart from how narrow her hips were and a certain inescapable masculinity about the knees, which were visible because it was summer and she was wearing a short skirt with no tights.
    I like wearing fir's socks. They are always nearer the top of our sock basket ( yeah.....I know a sock basket is a bit odd) .

    Sock basket is perfectly normal. In my house, "the sock basket" means a basket where unpaired socks go while waiting to find a partner.

    Oh, and I've never considered wearing socks to be gender play either. I wear tights with skirts and socks with trousers. Don't most women? DD, DS and I all wear the same kind of socks for work/school - either black or grey, and from the "boys' school uniform" part of supermarket clothes sections. You can get lots the same, which makes pairing easier, and the multipacks are nice and cheap. Laundry has become much more straightforward now that we are all wearing the same size. DD will need something different at her new school in September, though, because her new uniform won't include an option for trousers.
    kabayiri wrote: »
    Can I ask, what is "fir"?

    Just to add to what you've already been told, foundinrates isn't just a name that we use for him - he has a log in, and very very occasionally posts. See this link. Actually, he's posted more than that implies. Sometimes he doesn't bother logging in as himself, and just posts while their computer's logged in as her, beginning his post by stating that it's him.

    While you're asking about abbreviations for people that NP refer to, perhaps I'll save you asking by explaining that LNE refers to my late-nearly-ex-husband.
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
  • GDB2222
    GDB2222 Posts: 26,326 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    silvercar wrote: »
    Can someone explain this to me.

    Round here (inner Hertfordshire) and I guess most of the south, the rebuild costs of a house are far less than its value. So the land value plus rebuild cost would still leave a profit element on resale if a house had to be demolished and rebuilt. So the rebuilding cost on insurance is lower than the property value.

    Uup north a 3 storey georgian terrace has a rebuild value of 240k, yet the price is only 130k. "because it would cost more to rebuild than its worth, so you have to insure it for the full rebuild cost". I understand that in theory, but surely if the worst happened and you needed to rebuild, why would you bother? And if this is all true, why don't we hear more of insurance jobs where houses are accidentally flattened?

    What you are describing is known in the business as moral hazard. The insurance companies work around that by only paying out the actually incurred rebuilding cost. When my house burnt down, I did eventually managed to settle the insurance claim without rebuilding, and I sold the burnt out wreck to a property developer. It was quite fraught, though.
    No reliance should be placed on the above! Absolutely none, do you hear?
  • kabayiri
    kabayiri Posts: 22,740 Forumite
    Part of the Furniture 10,000 Posts
    LydiaJ wrote: »
    The last time I was talking to a transsexual, I found her absolutely convincing as a woman - not just the clothes and hair but the voice and the posture and so on - apart from how narrow her hips were and a certain inescapable masculinity about the knees, which were visible because it was summer and she was wearing a short skirt with no tights.
    ...

    I've known someone going back many years who had the surgery and who is now a woman.

    I've seen her since the Op, and we chat on the phone.

    The thing is that in my head it's still the same person I knew. You'd look at her and notice her always made up, immaculate nails etc. There isn't anything wrong in her look as a woman.

    I should view her like other women I guess but I don't. We just argue over tellys and computers and Apple vs non-Apple. Usual techy stuff really.

    Subtleties like masculine knees are way beyond us mere blokes!
    :rotfl:
  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    edited 11 May 2015 at 7:14PM
    kabayiri wrote: »
    I've known someone going back many years who had the surgery and who is now a woman.

    I've seen her since the Op, and we chat on the phone.

    The thing is that in my head it's still the same person I knew. You'd look at her and notice her always made up, immaculate nails etc. There isn't anything wrong in her look as a woman.

    I should view her like other women I guess but I don't. We just argue over tellys and computers and Apple vs non-Apple. Usual techy stuff really.

    Subtleties like masculine knees are way beyond us mere blokes!
    :rotfl:

    That's natural. You got to know him, and she's still the same person, so it's understandable that she doesn't seem to you to be like people who were already women when you got to know them. I'm sure she wouldn't want you to view her as a whole new person that you couldn't relate to in the same way as the man you first became friends with.

    The person I was talking about hadn't had the surgery yet, although had had stuff like laser hair removal on her face, etc, but most significantly, I didn't meet her until after she'd started living as a woman. I worked every day with a friend I knew really well, and this transsexual was my friend's partner. I only met her once, and they've moved away from where I live now, so I doubt I'll see her again. Anyway, I'd had ages to make the adjustment from my friend referring to her partner as "her" rather than "him" before I actually met the partner myself.
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
  • lostinrates
    lostinrates Posts: 55,283 Forumite
    I've been Money Tipped!
    Spirit wrote: »
    . This year it is London as we have tickets for Turandot at th ROH.

    .

    I have a particular fondness for Turandot for a particular reason. :)

    One of my regrets in life ( a first world regret before anyone points is out to me) is that I missed seeing the Wagnerist Jane Eaglin sing Turandot some years ago at a particular performance, I was going to buy tickets for myself for a special birthday and my father said he'd get them, and then he forgot and by the time I found out he'd forgotten the performances were sold out. :(. I'm not a fan of Wagner at all really, but I do like Eaglin singing other stuff. And Turandot has a particular meaning for me so I was really sad to miss that. I probably cannot sit through an opera now without my ears playing up and getting fidgety. :D:mad::(


    I hope its fantastic. :):D
  • kabayiri
    kabayiri Posts: 22,740 Forumite
    Part of the Furniture 10,000 Posts
    LydiaJ wrote: »
    That's natural. You got to know him, and she's still the same person, so it's understandable that she doesn't seem to you to be like people who were already women when you got to know them. I'm sure she wouldn't want you to view her as a whole new person that you couldn't relate to in the same way as the man you first became friends with.
    ...

    Here's a brain teaser.

    If my F2M friend is considering get back together with her ex-wife, and, her ex-wife is considering becoming a man, then ....

    would this be a gay relationship or straight?

    My head hurts! :)
  • lostinrates
    lostinrates Posts: 55,283 Forumite
    I've been Money Tipped!
    kabayiri wrote: »
    Here's a brain teaser.

    If my F2M friend is considering get back together with her ex-wife, and, her ex-wife is considering becoming a man, then ....

    would this be a gay relationship or straight?

    My head hurts! :)

    Straight, but via the scenic route. :)
  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    kabayiri wrote: »
    Here's a brain teaser.

    If my F2M friend is considering get back together with her ex-wife, and, her ex-wife is considering becoming a man, then ....

    would this be a gay relationship or straight?

    My head hurts! :)

    You mean M2F, yes?
    Straight, but via the scenic route. :)

    I agree. My bi friend with the M2F partner considered that her straight relationship had become a lesbian one when her partner became female.
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
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