HPC Escapee Reports Back 10 Years Later

westernpromise

lisyloo wrote: »

There will be some people who bought recently who might be over-leveraged.

Unless their circumstances are very unusual, I think one could consider all FTBs to be over-leveraged almost by definition.

The average homeowner has 45% equity in their home, but the average FTB just has the deposit. In recent times that could have been 0%. On that basis, they've over-leveraged compared to all other owners - but necessarily so, because everyone has to start somewhere.

Crashy_Time

Out,_Vile_Jelly wrote: »

Where is your evidence that the majority of posters on this forum are "leveraged up to the eyeballs"?

Your reasoning is about as nuanced as the average Daily Mail reader:

-all property owners borrowed 8x their made up salary to buy a new-build shoe box on an IO mortgage
-all single mothers are !!!!less slags
-everything the Royal family does or says is brilliant
-everything the EU does is evil

The amount of time and energy they spend chasing "renter losers" around the internet to shout "No Bubble, No crash, No interest rate rises...Nothing to see here ...Move along" :rotfl:

westernpromise

Crashy_Time wrote: »

The amount of time and energy they spend chasing "renter losers" around the internet to shout "No Bubble, No crash, No interest rate rises...Nothing to see here ...Move along" :rotfl:

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Notice how Crashy has thanked exactly one post ever.

Crashy_Time

westernpromise wrote: »

Crashy Time
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Notice how Crashy has thanked exactly one post ever.

And that was a mistake, I meant to hit the "Quote" button. What is your post count since 1996 - 10 million? :rotfl:

westernpromise

Since 2003, 3,722 including this one, Crashy.
https://forums.moneysavingexpert.com/member.php?u=18064

buggy_boy

westernpromise wrote: »

Yep - I have done consecutive all nighters more than once.

The idea that wealthy people haven't worked for it is a leftist lie put about to justify stealing from them.

Yep been there, once worked 36hrs straight on a bank holiday because it was 2.5x pay, in my 20's I was known at work as the night owl, I was oncall 20 days a month and was working all hours.

If you can invest in your future early it will be the best decision ever, because of my extremely hard work im not 35 and looking to retire in 3yrs, I dont work anywhere near the amount of hours I worked then.

I would now class myself as relatively wealthy and the leftist we need higher taxes (As long as its not my taxes that go up) is annoying as hell.

caronoel

Crashy_Time wrote: »

... My money is on EZ woes getting out of control.

Your money was on the property market crashing in the late 90's, which is why you sold up then.

How did that investment decision work out for you, having missed the longest bull run in recorded history?


:rotfl::rotfl::rotfl:

Now in your late 50's and sitting in a rented bedsit, have you ever reflected on how different life might be if you didn't embrace the pessimistic HPC mantra?

caronoel

HPC_Ghuol_Hunter wrote: »

By far my favourite thread over on HPC loon centrum today is this one where an ex-HPC comrade who defied TheCountOfNowhere and bought in 2009. He has now reported back to the deluded on his HPI mad gainz.

Gud times. :beer::j:money::rotfl::T

http://www.housepricecrash.co.uk/forum/index.php?/topic/131688-bought/&do=findComment&comment=1103371212

I've read down all 6 pages of comments today, and it was truly fascinating at the arrogance of some of the contributors who completely and utterly refuse to admit that they got it completely and utterly wrong. What arrogance!

Interesting to see that there is not a peep out of the so-called "Count of Nowhere" or our friend CrashyTime, who posts over there as "Dances with Sheeple".


https://youtu.be/Ys5LavVG7Ok

HPC_Ghuol_Hunter

Thanks that is gud to know as I never knew that Crashy was Dances with Sheeple. It all makes sence now as o detect a lot of sadness in both Crashy and Dances with Sheeples postings. Anyway, yes the silence from Crashy and Count is very deafening and so, so telling.

Koldweather1

Count is just jealous that he can't have a house, as are most of them on HPC.

That and they are largely fantasists, how many times has Count moved to France now? In truth he probably can't even afford that yet alone buy here.