HPC thread of the week

wotsthat

Crashy_Time wrote: »

Pardon? :rotfl: What are you chewing on BTW ?

Just interested in why people say stuff as well as what they say. The why influences the what significantly in my experience.

anchovypizza

wotsthat wrote: »

Just interested in why people say stuff as well as what they say. The why influences the what significantly in my experience.

Just what are YOU trying to achieve?

Reading Crashy's posts along with the other similar posters you seem to hold with a constant and utter disdain I sense a feeling of self preservation.
From my experience I can see many young working people being forced into living conditions that are far from ideal. I cannot help thinking that Crashy is making the best of a bad deal and lashing out at people turning on him.

The one great thing I find about home ownership above everything else is the sense of security it gives you, which is the one of the biggest bonus's I do not sense in any of your thousands of posts. If you truly are happy in the path you have taken, then please give some indication of that when it comes to those less fortunate.

What do you think of this article for example? .......

BBC Link about HMO

Do you think it OK to mock and bully people living in conditions like this, circumstance can make lives for some people very difficult, so difficult they just cannot get on the home owning ride you deride them for.

When we started out we was given a small deposit by my partners family on our first home which was a precursor to everything good that happened next, good family, good health and and a good poker hand in life has put me in a position where we are today. My last thought in the world as someone so lucky and secure in a warm comfortable home would be to stick the knife in someone less fortunate, and more so when I have never walked in their shoes.

Crashy does talk nonsense sometimes as do some of the other critics of the housing market and housing policies in the UK, but they also have a point sometimes that is blurred when anger gets the better of them, something I can quite easily take into account and read between the lines of Crashy who one of many people who are having great difficulties with housing today.


p.s what I asked you to look at but MSE do not allow links was the terrible conditions in many HM0 properties, and they really are appalling

Generali

Hi anchovypizza.

1. Your link isn't a link. Try again when you've posted a few more times or give us something to Google.
2. Crashytime does rather bring things on him/herself. The mocking started very much from that poster taking the mick out of HPI-aholics (or whatever the insult of the day was). You can't expect people not to respond.

The housing market in London has gone rather mental but what can you do? Fundamentally, if people are prepared to pay these ridiculous prices and you have a willing seller at that price then you have a market.

I can't help but fear that it will all end in tears but what do I know? I'm just some bloke with a keyboard.

MFW_ASAP

anchovypizza wrote: »

From my experience I can see many young working people being forced into living conditions that are far from ideal. I cannot help thinking that Crashy is making the best of a bad deal and lashing out at people turning on him.

Do you think it OK to mock and bully people living in conditions like this, circumstance can make lives for some people very difficult, so difficult they just cannot get on the home owning ride you deride them for.

I'm afraid the flaw in your argument is that wotsthat, et al. are not on the debt free or bankruptcy boards, mocking people worse off than them. The people who are genuinely in a difficult position re:accomodation tend not to frequent this board.

What you get on this board are people who are renting and bitter about it and want to vent/argue with people who are better off, or people who own their own houses but pretend to be renting and bitter and want to vent/argue with people who are better off.

I don't know which camp crashy falls into. I do know that he's just here to vent/argue with other people.

wotsthat

anchovypizza wrote: »

Just what are YOU trying to achieve?

Reading Crashy's posts along with the other similar posters you seem to hold with a constant and utter disdain I sense a feeling of self preservation.
From my experience I can see many young working people being forced into living conditions that are far from ideal. I cannot help thinking that Crashy is making the best of a bad deal and lashing out at people turning on him.

I'm trying to understand Crashy's motivations. You've not been keeping up as well as you think you have.

Crashy isn't a young worker forced into an HMO and making the best of things. Just the opposite - he's a 50ish man who, by choice, spurned the opportunity to buy a house at prices he now hopes they'll crash to and, instead, is living it large in a series of rented flats, HMO's and house shares where his rent hasn't increased for the best part of 20 years.

He loves renting and is very unlikely to buy but was drawn to HPC and has picked up all the lingo (peak bubble, ponzi, IO, debt etc.). Seems really odd because he claims accommodation is cheap, landlords are making a pittance and he could find another cheap place tomorrow if he needed to - he doesn't seem to be self aware enough to see that his own experience is at odds with the HPC mantra he spouts.

None of my beeswax of course but I think Crashy's unhappy experiences of owning in the '90's have shaped his thinking more than anything else.

You need to remember Crashy came here initially simply to troll this board and delighted in telling his friends on HPC how clever he was. I think he's grown to like us though and I certainly wish him well but I fear he's going to spend the next 30 years or so as a transient old fellow constantly on the hunt for cheaper digs.

lisyloo

So they can use this "wealth" to get out of debt and own their own little piece of heaven?

Yes why not?
Of course they have to move somewhere cheaper but practically everywhere is cheaper than London.

lisyloo

That gets a lot trickier the closer you "buy" to Peak Bubble price, especially with I.O, many people will never clear their property debts, and that goes for places outside London as well.

I would definitely agree with you that buying means taking capital risk.
However if you are talking about people who've bought (past tense) in London then the fact is they've done incredibly well in recent years, so it was a bad example for you to pick to make your point.

Crashy_Time

anchovypizza wrote: »

Just what are YOU trying to achieve?

Reading Crashy's posts along with the other similar posters you seem to hold with a constant and utter disdain I sense a feeling of self preservation.
From my experience I can see many young working people being forced into living conditions that are far from ideal. I cannot help thinking that Crashy is making the best of a bad deal and lashing out at people turning on him.

The one great thing I find about home ownership above everything else is the sense of security it gives you, which is the one of the biggest bonus's I do not sense in any of your thousands of posts. If you truly are happy in the path you have taken, then please give some indication of that when it comes to those less fortunate.

What do you think of this article for example? .......

BBC Link about HMO

Do you think it OK to mock and bully people living in conditions like this, circumstance can make lives for some people very difficult, so difficult they just cannot get on the home owning ride you deride them for.

When we started out we was given a small deposit by my partners family on our first home which was a precursor to everything good that happened next, good family, good health and and a good poker hand in life has put me in a position where we are today. My last thought in the world as someone so lucky and secure in a warm comfortable home would be to stick the knife in someone less fortunate, and more so when I have never walked in their shoes.

Crashy does talk nonsense sometimes as do some of the other critics of the housing market and housing policies in the UK, but they also have a point sometimes that is blurred when anger gets the better of them, something I can quite easily take into account and read between the lines of Crashy who one of many people who are having great difficulties with housing today.


p.s what I asked you to look at but MSE do not allow links was the terrible conditions in many HM0 properties, and they really are appalling

:rotfl: Really? Do you think the housing market is in good shape then? You might have landed on your feet but many stretched to "get on the ladder" and will be in mortgage debt for the rest of their lives possibly. Me, I prefer being debt free and cash rich for the moment thanks. May buy if a big enough bust takes shape though. (No HMO slapper jokes please )

Crashy_Time

lisyloo wrote: »

I would definitely agree with you that buying means taking capital risk.
However if you are talking about people who've bought (past tense) in London then the fact is they've done incredibly well in recent years, so it was a bad example for you to pick to make your point.

I said "buy" as in "bought" meaning people who have borrowed from the bank and are mortgage debtors at this moment, not people who actually own their house, or have a negligible mortgage. If you paid bubble prices in London and are on I.O (most recent entrants to the market are I believe?) you are about as far from "incredibly well" as it is possible to be IMO. Of course they could flog the house to another mug and move to the shires, but the whole point for most London dwellers is that London is where the work/action/buzz etc. is, they don`t want to kick horseshit around in a field in Derbyshire. Essentially they are victims of their own lifestyle expectations ( and a banking/government scam)

mwpt

CrashyTime, you really need to open up to alternate views. I think you've become so single minded you don't even recognise when someone is actually trying (at least partly) to defend you.

Also, have you considered why HPC bans any slightly dissenting voices? Have you considered that your views are being shaped by the moderators there?