Bad time to buy a house???

jimbog

Mickey666 said:

Parking_Eyerate said:

2. I’m not particularly a fan of Russel Brand so I haven’t watched much of his material, and so I don’t know if he’s relevant or not. You seemed to think he was a good candidate for embodying the ‘HPC group mind fantasy’ though, so please feel free to clarify.

He isn't relevant, except for those easily influenced by conspiracy theory nonsense. 

It does often seem the case that conspiracy theorists are keen to question everything except their own theory

JamesN

Crashy_Time said:

JamesN said:

The market is very quiet around where I am in a Warwickshire town. Very little is coming on the market and a lot of houses aren’t shifting in what is usually a high priced, in demand area. 

I don’t deny it is probably strong in other places too. But we are yet to see the economic shock from Covid. Furlough will wind down and that’ll set things moving downwards. We haven’t solved the problem we’ve just kicked the can down the road. Company’s will then have the bills to pay that have been deferred until the new year such as VAT. So cash will become tight for many very quickly. Some accounting firms are expecting upwards of 3m redundancies which is roughly 10% of the working population. I can’t see how house prices won’t drop at least around 10% in that time. Though most would probably expect at least a 20% drop. 

Most will be hoping for a larger drop, but it if you bought in the 80`s it is firmly in your interest to get young workers borrowing to the absolute max to keep your house price high! Not sure the banks can pull it off this time though.....

Agreed. Not really anywhere else to go. They won’t go into negative interest rates. Wonder if they’ll try extending help to buy or just give up and let the bad news come. That’s been inflating prices for a while now too. 

Hoping it’ll drop more than that but I’m not usually that lucky. 

Crashy_Time

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Windofchange said:

Crashy_Time said:

We are nowhere near the point where accurate predictions can be made on this, all you are doing is waving your VI flag at the moment, nothing more.

Yet you seem to put yourself forward daily as being able to make accurate predictions? Which one is it? Nobody knows what is going to happen, or you and you alone do? 

Can you post links to some of my predictions and I will have a look and tell you.

Well in March 2015 you said “things are already changing IMO, next election is going to prove that I think”.
https://www.housepricecrash.co.uk/forum/index.php?/topic/203994-all-is-forgiven-mr-brand/
I don’t know what the 2015 general election supposedly proved but perhaps you could explain.
It’s also interesting to note that even though you recognised that you were part of an ‘HPC group mind fantasy’ five plus years ago you still seem to be unhealthily fixated. I think it’s genuinely amazing how much of your life you’ve spent being obsessed about house prices. I guess you must really enjoy it.

Still not into it deeply enough to track someone`s posts from five years ago on another website! You really have got something to prove it seems? (not sure what though) Some quick questions for you - 
Do you think "things" have changed since 2015?
What is the relevance of Russell Brand challenging incompetent bankers to this discussion, do you think RBS did a good job maybe?
Can you find an actual PREDICTION that I have made and post it up?

Other long-standing posters have pointed out your account name and history on HPC, I found it memorable because I find it difficult to comprehend that someone would be so single-minded about a bizarre online crusade for over a decade. The rest was easy, and all I did was answer a question you asked.
This said, I’m honest enough to admit that’s it  is true that I have more time on my hands than normal at the moment (I have less travelling and fewer chances to socialise). I accept that I could probably find something more enriching to do than read this forum but if you want to compare my sporadic activity to your four-a-day posting average for six years, all about one topic, then carry on if it makes you feel better.
So no, nothing to prove at all, just curious about what compels such activity.

I notice you didn’t answer my question but in the interest of being fair I will still answer yours.
1. 2015 was five years ago so five years have happened. I don’t know what you mean by “things” because you didn’t answer my question so I can’t answer in any greater depth.
2. I’m not particularly a fan of Russel Brand so I haven’t watched much of his material, and so I don’t know if he’s relevant or not. You seemed to think he was a good candidate for embodying the ‘HPC group mind fantasy’ though, so please feel free to clarify. 
3. You make predictions all the time when you ‘advise’ posters that they shouldn’t dream of buying or they will never get the price they hope to achieve for their property or that a mortgage valuation will come in under offer or that there will be glut of buy to let properties coming to the market or that people will be stuck in negative equity in “debt boxes” for the rest of their lives or that prices will never surmount previous highs etc etc etc.
Just because you might generally not be specific in terms of percentages and dates doesn’t mean that you haven’t been ‘predicting’ things for over a decade.
So, having answered your questions, can you state whether you think house prices have crashed since you joined this forum in 2014 and/or HPC in 2007? Also when and for how much, in general terms, did you sell your last property, and where was its general location? 

A bizarre online crusade? Posting about property on property forums and stating the pretty obvious fact that we have a property bubble and a debt laden economy? Not much different to people day after day on forums trying to pretend that the current market is somehow "normal".......?
Isn`t it really the case that "Bizarre Online Crusade" just = Narrative about my VI/Biggest asset that I don`t like?
You didn`t really engage with the questions so I will start for you if that is OK?
1) Trump, Brexit, Covid, China.......
2) You linked to the thread about RB, the connection of someone calling out the creators of the biggest debt bubble in history to a site dedicated to calling out and discussing that should be pretty obvious? We don`t hear much from RB on the mainstream now though do we...?
3) Can you link to even one actual prediction that I have made? (I might give you one of my favourites if you can`t come up with one)

I have a rule to NEVER give financial/location info. to people who have the time and inclination to trawl internet postings going back YEARS....sorry.
Hope that helps!

Parking_Eyerate

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Windofchange said:

Crashy_Time said:

We are nowhere near the point where accurate predictions can be made on this, all you are doing is waving your VI flag at the moment, nothing more.

Yet you seem to put yourself forward daily as being able to make accurate predictions? Which one is it? Nobody knows what is going to happen, or you and you alone do? 

Can you post links to some of my predictions and I will have a look and tell you.

Well in March 2015 you said “things are already changing IMO, next election is going to prove that I think”.
https://www.housepricecrash.co.uk/forum/index.php?/topic/203994-all-is-forgiven-mr-brand/
I don’t know what the 2015 general election supposedly proved but perhaps you could explain.
It’s also interesting to note that even though you recognised that you were part of an ‘HPC group mind fantasy’ five plus years ago you still seem to be unhealthily fixated. I think it’s genuinely amazing how much of your life you’ve spent being obsessed about house prices. I guess you must really enjoy it.

Still not into it deeply enough to track someone`s posts from five years ago on another website! You really have got something to prove it seems? (not sure what though) Some quick questions for you - 
Do you think "things" have changed since 2015?
What is the relevance of Russell Brand challenging incompetent bankers to this discussion, do you think RBS did a good job maybe?
Can you find an actual PREDICTION that I have made and post it up?

Other long-standing posters have pointed out your account name and history on HPC, I found it memorable because I find it difficult to comprehend that someone would be so single-minded about a bizarre online crusade for over a decade. The rest was easy, and all I did was answer a question you asked.
This said, I’m honest enough to admit that’s it  is true that I have more time on my hands than normal at the moment (I have less travelling and fewer chances to socialise). I accept that I could probably find something more enriching to do than read this forum but if you want to compare my sporadic activity to your four-a-day posting average for six years, all about one topic, then carry on if it makes you feel better.
So no, nothing to prove at all, just curious about what compels such activity.

I notice you didn’t answer my question but in the interest of being fair I will still answer yours.
1. 2015 was five years ago so five years have happened. I don’t know what you mean by “things” because you didn’t answer my question so I can’t answer in any greater depth.
2. I’m not particularly a fan of Russel Brand so I haven’t watched much of his material, and so I don’t know if he’s relevant or not. You seemed to think he was a good candidate for embodying the ‘HPC group mind fantasy’ though, so please feel free to clarify. 
3. You make predictions all the time when you ‘advise’ posters that they shouldn’t dream of buying or they will never get the price they hope to achieve for their property or that a mortgage valuation will come in under offer or that there will be glut of buy to let properties coming to the market or that people will be stuck in negative equity in “debt boxes” for the rest of their lives or that prices will never surmount previous highs etc etc etc.
Just because you might generally not be specific in terms of percentages and dates doesn’t mean that you haven’t been ‘predicting’ things for over a decade.
So, having answered your questions, can you state whether you think house prices have crashed since you joined this forum in 2014 and/or HPC in 2007? Also when and for how much, in general terms, did you sell your last property, and where was its general location? 

A bizarre online crusade? Posting about property on property forums and stating the pretty obvious fact that we have a property bubble and a debt laden economy? Not much different to people day after day on forums trying to pretend that the current market is somehow "normal".......?
Isn`t it really the case that "Bizarre Online Crusade" just = Narrative about my VI/Biggest asset that I don`t like?
You didn`t really engage with the questions so I will start for you if that is OK?
1) Trump, Brexit, Covid, China.......
2) You linked to the thread about RB, the connection of someone calling out the creators of the biggest debt bubble in history to a site dedicated to calling out and discussing that should be pretty obvious? We don`t hear much from RB on the mainstream now though do we...?
3) Can you link to even one actual prediction that I have made? (I might give you one of my favourites if you can`t come up with one)

I have a rule to NEVER give financial/location info. to people who have the time and inclination to trawl internet postings going back YEARS....sorry.
Hope that helps!

Yes, indeed, a bizarre online crusade; 13 years of posting exactly the same thing, looking only for articles that fit your narrative, accusing whole swathes of the population of being "sheeple" just because they dared to buy property/borrow money, accusing people you've never met, in cult-like language, of only caring about a vested interest (VI) you assume they have just because they happen to question you. Yes, to me the phrase 'bizarre online crusade' describes your activity quite well, however I accept that you probably disagree.
With regard to your numbered points....
1. Yes, those things have happened, well done (well, China has existed for a very long time).  Did you foresee that Trump would be President in March 2015, before he even announced he was standing for the Republican nomination? Did you foresee coronavirus? If so, you really shouldn't be so modest about your ability to predict things. More to the point, however, what was proven by the 2015 general election?
2. I linked to the thread about RB because you made a prediction in it about the 2015 election proving something. I'm still no clearer about what it seemingly proved. I agree we don't hear much about RB any more though. Personally I think it's because he isn't that funny but I guess you might think it's something to do with people with 'vested interest' (VI) status, as you see it, making sure he doesn't get work. No doubt you'll correct me if I'm wrong.
3. Well, ok, this might be a bit more on-topic; in August 2014 you said "I personally think house prices have reached their peak everywhere but with the shortage of available credit I can see a major fall in the near future followed by even bigger falls later on.".
https://forums.moneysavingexpert.com/discussion/comment/66201456/#Comment_66201456
I think you were mistaken, what do you think?

Regarding your closing remarks it is, of course, entirely up to you whether you answer questions or not, but please do not mislead yourself into thinking I am in any way interested in who you are. The questions I asked could not identify you (that is why I asked in general terms) but I was interested because I consider that the answers could help inform as to your motivation and credibility. Also, you seem to think that it takes a long time and a lot of searching to answer your questions, it really doesn't - all it needs is a few minutes and rational use of search facilities. Nevertheless, I anticipate that you will again deride me for answering the question you asked but I do at least hope you can recognise the hypocrisy in accusing me of having time to spare.

ash4040

Has anyone else seen prices of new builds increase in their area? We have had prices go up rather than down here post lockdown

lisyloo

Crashy_Time said:

lisyloo said:

Crashy_Time said:

lisyloo said:

Crashy_Time said:

RelievedSheff said:

MysteryMe said:

Why are you assuming they would be remortgaging?  If they were on a fixed rate deal they would just go on a SVR once it ended, they don't apply for another mortgage.

It isn't the end of the world. Our last property was in negative equity for a long time that we lived there. We bought at the back end of 2007 right before prices dipped. At the end of our 5 year fixed rate the mortgage just reverted to the SVR. As long as we could make the payments (which we did with overpayments on top) then there was not a problem.

Negative equity isn't the huge problem that people perceive. It only becomes an issue if you are forced to sell or can't keep up with the repayments. 

And we all know what happened next. What do you think will be done this time to stop the dip becoming a crash?

I don't have a crystal ball as to what the chancellor with do in future, but if you want a cast iron example lets go for a stamp duty holiday

https://www.nationwide.co.uk/about/house-price-index/headlines

The problem I see with the "crashists" theories are that the worst case scenario relies on everyone doing absolutely nothing in the face of the slings and arrows of outrageous fortune, whereas what happens in reality are actions from the chancellor and seperately the Bank of England to do everyting possible to minimise te impact as well as the hundreds/thousands of scientists around the world.

Everything humanly possible on all fronts will be done by all kinds of people to minimise the impact.

Whats the current crash prediction? The last time I was pondering holding off was 2001 and I guess some are still waiting for it. Quite literally generations of my family have passed whilst some have been waiting.

Waiting for what, the chance to hold hundreds of thousands in mortgage debt? Do you really believe that the stamp duty holiday will make much difference to anything? They will need the revenue soon, so either it will be a short holiday or they will just tax the sellers when they manage to sell in future, unless you think our government can do a bailout of everything for an indefinite time? The problem with being so invested in something that you become the classic "VI" is that your hopes for your special area, your VI, to be protected impair your ability to look clearly at the limits of monetary policy in the face of economic shocks.

Hundreds of thousands in mortgage debt is paid off in 25 years (or less if you can manage it). Renting is perpetual. The argument for mortgage vs rent is a racing certainty. The debt also goes down in nominal terms but of course you know all that.

They won't need te revenue soon. Not sure if you've heard but we took debts in 1835 for slave reparations and paid it off in 2015.

This debt is exceptional but it will be long term.

No I don't think it can be indefinite but I do think it can be quite long term as above (google it if you don't believe it).

You don't have to become "so" invested to pay mortgage rather than rent. It's a plain and simple equation.

You don't have to become an economist you just need to make sensible decisions so that you can pay for your own home instead of paying rent to a landlord.

After a while you don't need to hope as you own equity in a house an then a whole house. That's not hope it's an asset.

As I've provided evidence of 180 year government debt, what is your evidence for the limits of monetary policy?

But they raised other revenue and created other bonds during this time to keep the country solvent? How do you think stamp duty and other tax raising relates to these "slave bonds", can you give a detailed answer please, not just wild generalisation. The idea that UK government doesn`t really need revenue soon is interesting, why bother with stamp duty etc. at all in that case? The idea that someone should plunge into negative equity at the start of the biggest recession in living memory because of some obscure and historical gov. bond that wasn`t paid off for many decades (there are plenty of other examples) is not the best financial planning IMO.

Slave debt was a factual example of very long term debt. No idea of what you mean by wild generalisations.
what do you want a detailed answer for? Not sure of the question.
not sure what it has to do with an ordinary person buying a home.
prices are now rising. The pandemic will be over in relatively short order (relative to the term of buying a home) not my prediction but Tedros Adhanom Ghebreyesus who is the head of WHO plus Bill Gates who’s done a lot of work on vaccines prior to Covid,
predictions of crashes have worked out badly for most
buying works well for most.
have you answered why it’s better to rent for 60-70 years than buy over 25 yet? (fairly easily shortened to 20 TBH).

negative equity is a calculated risk and not a plan.
sensible people don’t deny the risks, they consider them and mitigate them.
mostly negative equity is a paper issue and they can be big issues and losses with  renting as well as risks with doing nothing for years that to turn into decades.
Im not someone that denies any risk with buying but a lot can be mitigated e.g. fixed rate, redundancy insurance, life insurance etc. 
The most well known method for mitigating negative equity is called a deposit. Luckily regulation has massively improved so people cannot overstretch themselves like they used to.

do you have examples of people that saved by timing the market?
where did they live? And what did they invest in?
did they put off having a relationship or a family?
did they have any fertility issues as a result?

people have to make their own decisions but the biological clock won’t wait
i know people who’ve put things off and regretted it some spending large 5 figure sums on IVF.
i don’t know anyone that’s regretted buying a home too early.
the sooner people start the more rent they save.
its a racing certainty in mathematical terms.

Crashy_Time

lisyloo said:

Crashy_Time said:

lisyloo said:

Crashy_Time said:

lisyloo said:

Crashy_Time said:

RelievedSheff said:

MysteryMe said:

Why are you assuming they would be remortgaging?  If they were on a fixed rate deal they would just go on a SVR once it ended, they don't apply for another mortgage.

It isn't the end of the world. Our last property was in negative equity for a long time that we lived there. We bought at the back end of 2007 right before prices dipped. At the end of our 5 year fixed rate the mortgage just reverted to the SVR. As long as we could make the payments (which we did with overpayments on top) then there was not a problem.

Negative equity isn't the huge problem that people perceive. It only becomes an issue if you are forced to sell or can't keep up with the repayments. 

And we all know what happened next. What do you think will be done this time to stop the dip becoming a crash?

I don't have a crystal ball as to what the chancellor with do in future, but if you want a cast iron example lets go for a stamp duty holiday

https://www.nationwide.co.uk/about/house-price-index/headlines

The problem I see with the "crashists" theories are that the worst case scenario relies on everyone doing absolutely nothing in the face of the slings and arrows of outrageous fortune, whereas what happens in reality are actions from the chancellor and seperately the Bank of England to do everyting possible to minimise te impact as well as the hundreds/thousands of scientists around the world.

Everything humanly possible on all fronts will be done by all kinds of people to minimise the impact.

Whats the current crash prediction? The last time I was pondering holding off was 2001 and I guess some are still waiting for it. Quite literally generations of my family have passed whilst some have been waiting.

Waiting for what, the chance to hold hundreds of thousands in mortgage debt? Do you really believe that the stamp duty holiday will make much difference to anything? They will need the revenue soon, so either it will be a short holiday or they will just tax the sellers when they manage to sell in future, unless you think our government can do a bailout of everything for an indefinite time? The problem with being so invested in something that you become the classic "VI" is that your hopes for your special area, your VI, to be protected impair your ability to look clearly at the limits of monetary policy in the face of economic shocks.

Hundreds of thousands in mortgage debt is paid off in 25 years (or less if you can manage it). Renting is perpetual. The argument for mortgage vs rent is a racing certainty. The debt also goes down in nominal terms but of course you know all that.

They won't need te revenue soon. Not sure if you've heard but we took debts in 1835 for slave reparations and paid it off in 2015.

This debt is exceptional but it will be long term.

No I don't think it can be indefinite but I do think it can be quite long term as above (google it if you don't believe it).

You don't have to become "so" invested to pay mortgage rather than rent. It's a plain and simple equation.

You don't have to become an economist you just need to make sensible decisions so that you can pay for your own home instead of paying rent to a landlord.

After a while you don't need to hope as you own equity in a house an then a whole house. That's not hope it's an asset.

As I've provided evidence of 180 year government debt, what is your evidence for the limits of monetary policy?

But they raised other revenue and created other bonds during this time to keep the country solvent? How do you think stamp duty and other tax raising relates to these "slave bonds", can you give a detailed answer please, not just wild generalisation. The idea that UK government doesn`t really need revenue soon is interesting, why bother with stamp duty etc. at all in that case? The idea that someone should plunge into negative equity at the start of the biggest recession in living memory because of some obscure and historical gov. bond that wasn`t paid off for many decades (there are plenty of other examples) is not the best financial planning IMO.

Slave debt was a factual example of very long term debt. No idea of what you mean by wild generalisations.
what do you want a detailed answer for? Not sure of the question.
not sure what it has to do with an ordinary person buying a home.
prices are now rising. The pandemic will be over in relatively short order (relative to the term of buying a home) not my prediction but Tedros Adhanom Ghebreyesus who is the head of WHO plus Bill Gates who’s done a lot of work on vaccines prior to Covid,
predictions of crashes have worked out badly for most
buying works well for most.
have you answered why it’s better to rent for 60-70 years than buy over 25 yet? (fairly easily shortened to 20 TBH).

negative equity is a calculated risk and not a plan.
sensible people don’t deny the risks, they consider them and mitigate them.
mostly negative equity is a paper issue and they can be big issues and losses with  renting as well as risks with doing nothing for years that to turn into decades.
Im not someone that denies any risk with buying but a lot can be mitigated e.g. fixed rate, redundancy insurance, life insurance etc. 
The most well known method for mitigating negative equity is called a deposit. Luckily regulation has massively improved so people cannot overstretch themselves like they used to.

do you have examples of people that saved by timing the market?
where did they live? And what did they invest in?
did they put off having a relationship or a family?
did they have any fertility issues as a result?

people have to make their own decisions but the biological clock won’t wait
i know people who’ve put things off and regretted it some spending large 5 figure sums on IVF.
i don’t know anyone that’s regretted buying a home too early.
the sooner people start the more rent they save.
its a racing certainty in mathematical terms.

I honestly have no idea what point you are trying to make.

Crashy_Time

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Windofchange said:

Crashy_Time said:

We are nowhere near the point where accurate predictions can be made on this, all you are doing is waving your VI flag at the moment, nothing more.

Yet you seem to put yourself forward daily as being able to make accurate predictions? Which one is it? Nobody knows what is going to happen, or you and you alone do? 

Can you post links to some of my predictions and I will have a look and tell you.

Well in March 2015 you said “things are already changing IMO, next election is going to prove that I think”.
https://www.housepricecrash.co.uk/forum/index.php?/topic/203994-all-is-forgiven-mr-brand/
I don’t know what the 2015 general election supposedly proved but perhaps you could explain.
It’s also interesting to note that even though you recognised that you were part of an ‘HPC group mind fantasy’ five plus years ago you still seem to be unhealthily fixated. I think it’s genuinely amazing how much of your life you’ve spent being obsessed about house prices. I guess you must really enjoy it.

Still not into it deeply enough to track someone`s posts from five years ago on another website! You really have got something to prove it seems? (not sure what though) Some quick questions for you - 
Do you think "things" have changed since 2015?
What is the relevance of Russell Brand challenging incompetent bankers to this discussion, do you think RBS did a good job maybe?
Can you find an actual PREDICTION that I have made and post it up?

Other long-standing posters have pointed out your account name and history on HPC, I found it memorable because I find it difficult to comprehend that someone would be so single-minded about a bizarre online crusade for over a decade. The rest was easy, and all I did was answer a question you asked.
This said, I’m honest enough to admit that’s it  is true that I have more time on my hands than normal at the moment (I have less travelling and fewer chances to socialise). I accept that I could probably find something more enriching to do than read this forum but if you want to compare my sporadic activity to your four-a-day posting average for six years, all about one topic, then carry on if it makes you feel better.
So no, nothing to prove at all, just curious about what compels such activity.

I notice you didn’t answer my question but in the interest of being fair I will still answer yours.
1. 2015 was five years ago so five years have happened. I don’t know what you mean by “things” because you didn’t answer my question so I can’t answer in any greater depth.
2. I’m not particularly a fan of Russel Brand so I haven’t watched much of his material, and so I don’t know if he’s relevant or not. You seemed to think he was a good candidate for embodying the ‘HPC group mind fantasy’ though, so please feel free to clarify. 
3. You make predictions all the time when you ‘advise’ posters that they shouldn’t dream of buying or they will never get the price they hope to achieve for their property or that a mortgage valuation will come in under offer or that there will be glut of buy to let properties coming to the market or that people will be stuck in negative equity in “debt boxes” for the rest of their lives or that prices will never surmount previous highs etc etc etc.
Just because you might generally not be specific in terms of percentages and dates doesn’t mean that you haven’t been ‘predicting’ things for over a decade.
So, having answered your questions, can you state whether you think house prices have crashed since you joined this forum in 2014 and/or HPC in 2007? Also when and for how much, in general terms, did you sell your last property, and where was its general location? 

A bizarre online crusade? Posting about property on property forums and stating the pretty obvious fact that we have a property bubble and a debt laden economy? Not much different to people day after day on forums trying to pretend that the current market is somehow "normal".......?
Isn`t it really the case that "Bizarre Online Crusade" just = Narrative about my VI/Biggest asset that I don`t like?
You didn`t really engage with the questions so I will start for you if that is OK?
1) Trump, Brexit, Covid, China.......
2) You linked to the thread about RB, the connection of someone calling out the creators of the biggest debt bubble in history to a site dedicated to calling out and discussing that should be pretty obvious? We don`t hear much from RB on the mainstream now though do we...?
3) Can you link to even one actual prediction that I have made? (I might give you one of my favourites if you can`t come up with one)

I have a rule to NEVER give financial/location info. to people who have the time and inclination to trawl internet postings going back YEARS....sorry.
Hope that helps!

Yes, indeed, a bizarre online crusade; 13 years of posting exactly the same thing, looking only for articles that fit your narrative, accusing whole swathes of the population of being "sheeple" just because they dared to buy property/borrow money, accusing people you've never met, in cult-like language, of only caring about a vested interest (VI) you assume they have just because they happen to question you. Yes, to me the phrase 'bizarre online crusade' describes your activity quite well, however I accept that you probably disagree.
With regard to your numbered points....
1. Yes, those things have happened, well done (well, China has existed for a very long time).  Did you foresee that Trump would be President in March 2015, before he even announced he was standing for the Republican nomination? Did you foresee coronavirus? If so, you really shouldn't be so modest about your ability to predict things. More to the point, however, what was proven by the 2015 general election?
2. I linked to the thread about RB because you made a prediction in it about the 2015 election proving something. I'm still no clearer about what it seemingly proved. I agree we don't hear much about RB any more though. Personally I think it's because he isn't that funny but I guess you might think it's something to do with people with 'vested interest' (VI) status, as you see it, making sure he doesn't get work. No doubt you'll correct me if I'm wrong.
3. Well, ok, this might be a bit more on-topic; in August 2014 you said "I personally think house prices have reached their peak everywhere but with the shortage of available credit I can see a major fall in the near future followed by even bigger falls later on.".
https://forums.moneysavingexpert.com/discussion/comment/66201456/#Comment_66201456
I think you were mistaken, what do you think?

Regarding your closing remarks it is, of course, entirely up to you whether you answer questions or not, but please do not mislead yourself into thinking I am in any way interested in who you are. The questions I asked could not identify you (that is why I asked in general terms) but I was interested because I consider that the answers could help inform as to your motivation and credibility. Also, you seem to think that it takes a long time and a lot of searching to answer your questions, it really doesn't - all it needs is a few minutes and rational use of search facilities. Nevertheless, I anticipate that you will again deride me for answering the question you asked but I do at least hope you can recognise the hypocrisy in accusing me of having time to spare.

What are your predictions for house prices and the economy?

Parking_Eyerate

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Windofchange said:

Crashy_Time said:

We are nowhere near the point where accurate predictions can be made on this, all you are doing is waving your VI flag at the moment, nothing more.

Yet you seem to put yourself forward daily as being able to make accurate predictions? Which one is it? Nobody knows what is going to happen, or you and you alone do? 

Can you post links to some of my predictions and I will have a look and tell you.

Well in March 2015 you said “things are already changing IMO, next election is going to prove that I think”.
https://www.housepricecrash.co.uk/forum/index.php?/topic/203994-all-is-forgiven-mr-brand/
I don’t know what the 2015 general election supposedly proved but perhaps you could explain.
It’s also interesting to note that even though you recognised that you were part of an ‘HPC group mind fantasy’ five plus years ago you still seem to be unhealthily fixated. I think it’s genuinely amazing how much of your life you’ve spent being obsessed about house prices. I guess you must really enjoy it.

Still not into it deeply enough to track someone`s posts from five years ago on another website! You really have got something to prove it seems? (not sure what though) Some quick questions for you - 
Do you think "things" have changed since 2015?
What is the relevance of Russell Brand challenging incompetent bankers to this discussion, do you think RBS did a good job maybe?
Can you find an actual PREDICTION that I have made and post it up?

Other long-standing posters have pointed out your account name and history on HPC, I found it memorable because I find it difficult to comprehend that someone would be so single-minded about a bizarre online crusade for over a decade. The rest was easy, and all I did was answer a question you asked.
This said, I’m honest enough to admit that’s it  is true that I have more time on my hands than normal at the moment (I have less travelling and fewer chances to socialise). I accept that I could probably find something more enriching to do than read this forum but if you want to compare my sporadic activity to your four-a-day posting average for six years, all about one topic, then carry on if it makes you feel better.
So no, nothing to prove at all, just curious about what compels such activity.

I notice you didn’t answer my question but in the interest of being fair I will still answer yours.
1. 2015 was five years ago so five years have happened. I don’t know what you mean by “things” because you didn’t answer my question so I can’t answer in any greater depth.
2. I’m not particularly a fan of Russel Brand so I haven’t watched much of his material, and so I don’t know if he’s relevant or not. You seemed to think he was a good candidate for embodying the ‘HPC group mind fantasy’ though, so please feel free to clarify. 
3. You make predictions all the time when you ‘advise’ posters that they shouldn’t dream of buying or they will never get the price they hope to achieve for their property or that a mortgage valuation will come in under offer or that there will be glut of buy to let properties coming to the market or that people will be stuck in negative equity in “debt boxes” for the rest of their lives or that prices will never surmount previous highs etc etc etc.
Just because you might generally not be specific in terms of percentages and dates doesn’t mean that you haven’t been ‘predicting’ things for over a decade.
So, having answered your questions, can you state whether you think house prices have crashed since you joined this forum in 2014 and/or HPC in 2007? Also when and for how much, in general terms, did you sell your last property, and where was its general location? 

A bizarre online crusade? Posting about property on property forums and stating the pretty obvious fact that we have a property bubble and a debt laden economy? Not much different to people day after day on forums trying to pretend that the current market is somehow "normal".......?
Isn`t it really the case that "Bizarre Online Crusade" just = Narrative about my VI/Biggest asset that I don`t like?
You didn`t really engage with the questions so I will start for you if that is OK?
1) Trump, Brexit, Covid, China.......
2) You linked to the thread about RB, the connection of someone calling out the creators of the biggest debt bubble in history to a site dedicated to calling out and discussing that should be pretty obvious? We don`t hear much from RB on the mainstream now though do we...?
3) Can you link to even one actual prediction that I have made? (I might give you one of my favourites if you can`t come up with one)

I have a rule to NEVER give financial/location info. to people who have the time and inclination to trawl internet postings going back YEARS....sorry.
Hope that helps!

Yes, indeed, a bizarre online crusade; 13 years of posting exactly the same thing, looking only for articles that fit your narrative, accusing whole swathes of the population of being "sheeple" just because they dared to buy property/borrow money, accusing people you've never met, in cult-like language, of only caring about a vested interest (VI) you assume they have just because they happen to question you. Yes, to me the phrase 'bizarre online crusade' describes your activity quite well, however I accept that you probably disagree.
With regard to your numbered points....
1. Yes, those things have happened, well done (well, China has existed for a very long time).  Did you foresee that Trump would be President in March 2015, before he even announced he was standing for the Republican nomination? Did you foresee coronavirus? If so, you really shouldn't be so modest about your ability to predict things. More to the point, however, what was proven by the 2015 general election?
2. I linked to the thread about RB because you made a prediction in it about the 2015 election proving something. I'm still no clearer about what it seemingly proved. I agree we don't hear much about RB any more though. Personally I think it's because he isn't that funny but I guess you might think it's something to do with people with 'vested interest' (VI) status, as you see it, making sure he doesn't get work. No doubt you'll correct me if I'm wrong.
3. Well, ok, this might be a bit more on-topic; in August 2014 you said "I personally think house prices have reached their peak everywhere but with the shortage of available credit I can see a major fall in the near future followed by even bigger falls later on.".
https://forums.moneysavingexpert.com/discussion/comment/66201456/#Comment_66201456
I think you were mistaken, what do you think?

Regarding your closing remarks it is, of course, entirely up to you whether you answer questions or not, but please do not mislead yourself into thinking I am in any way interested in who you are. The questions I asked could not identify you (that is why I asked in general terms) but I was interested because I consider that the answers could help inform as to your motivation and credibility. Also, you seem to think that it takes a long time and a lot of searching to answer your questions, it really doesn't - all it needs is a few minutes and rational use of search facilities. Nevertheless, I anticipate that you will again deride me for answering the question you asked but I do at least hope you can recognise the hypocrisy in accusing me of having time to spare.

What are your predictions for house prices and the economy?

In August 2014 you said "I personally think house prices have reached their peak everywhere but with the shortage of available credit I can see a major fall in the near future followed by even bigger falls later on.".
https://forums.moneysavingexpert.com/discussion/comment/66201456/#Comment_66201456
I think you were mistaken, what do you think?

Crashy_Time

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Parking_Eyerate said:

Crashy_Time said:

Windofchange said:

Crashy_Time said:

We are nowhere near the point where accurate predictions can be made on this, all you are doing is waving your VI flag at the moment, nothing more.

Yet you seem to put yourself forward daily as being able to make accurate predictions? Which one is it? Nobody knows what is going to happen, or you and you alone do? 

Can you post links to some of my predictions and I will have a look and tell you.

Well in March 2015 you said “things are already changing IMO, next election is going to prove that I think”.
https://www.housepricecrash.co.uk/forum/index.php?/topic/203994-all-is-forgiven-mr-brand/
I don’t know what the 2015 general election supposedly proved but perhaps you could explain.
It’s also interesting to note that even though you recognised that you were part of an ‘HPC group mind fantasy’ five plus years ago you still seem to be unhealthily fixated. I think it’s genuinely amazing how much of your life you’ve spent being obsessed about house prices. I guess you must really enjoy it.

Still not into it deeply enough to track someone`s posts from five years ago on another website! You really have got something to prove it seems? (not sure what though) Some quick questions for you - 
Do you think "things" have changed since 2015?
What is the relevance of Russell Brand challenging incompetent bankers to this discussion, do you think RBS did a good job maybe?
Can you find an actual PREDICTION that I have made and post it up?

Other long-standing posters have pointed out your account name and history on HPC, I found it memorable because I find it difficult to comprehend that someone would be so single-minded about a bizarre online crusade for over a decade. The rest was easy, and all I did was answer a question you asked.
This said, I’m honest enough to admit that’s it  is true that I have more time on my hands than normal at the moment (I have less travelling and fewer chances to socialise). I accept that I could probably find something more enriching to do than read this forum but if you want to compare my sporadic activity to your four-a-day posting average for six years, all about one topic, then carry on if it makes you feel better.
So no, nothing to prove at all, just curious about what compels such activity.

I notice you didn’t answer my question but in the interest of being fair I will still answer yours.
1. 2015 was five years ago so five years have happened. I don’t know what you mean by “things” because you didn’t answer my question so I can’t answer in any greater depth.
2. I’m not particularly a fan of Russel Brand so I haven’t watched much of his material, and so I don’t know if he’s relevant or not. You seemed to think he was a good candidate for embodying the ‘HPC group mind fantasy’ though, so please feel free to clarify. 
3. You make predictions all the time when you ‘advise’ posters that they shouldn’t dream of buying or they will never get the price they hope to achieve for their property or that a mortgage valuation will come in under offer or that there will be glut of buy to let properties coming to the market or that people will be stuck in negative equity in “debt boxes” for the rest of their lives or that prices will never surmount previous highs etc etc etc.
Just because you might generally not be specific in terms of percentages and dates doesn’t mean that you haven’t been ‘predicting’ things for over a decade.
So, having answered your questions, can you state whether you think house prices have crashed since you joined this forum in 2014 and/or HPC in 2007? Also when and for how much, in general terms, did you sell your last property, and where was its general location? 

A bizarre online crusade? Posting about property on property forums and stating the pretty obvious fact that we have a property bubble and a debt laden economy? Not much different to people day after day on forums trying to pretend that the current market is somehow "normal".......?
Isn`t it really the case that "Bizarre Online Crusade" just = Narrative about my VI/Biggest asset that I don`t like?
You didn`t really engage with the questions so I will start for you if that is OK?
1) Trump, Brexit, Covid, China.......
2) You linked to the thread about RB, the connection of someone calling out the creators of the biggest debt bubble in history to a site dedicated to calling out and discussing that should be pretty obvious? We don`t hear much from RB on the mainstream now though do we...?
3) Can you link to even one actual prediction that I have made? (I might give you one of my favourites if you can`t come up with one)

I have a rule to NEVER give financial/location info. to people who have the time and inclination to trawl internet postings going back YEARS....sorry.
Hope that helps!

Yes, indeed, a bizarre online crusade; 13 years of posting exactly the same thing, looking only for articles that fit your narrative, accusing whole swathes of the population of being "sheeple" just because they dared to buy property/borrow money, accusing people you've never met, in cult-like language, of only caring about a vested interest (VI) you assume they have just because they happen to question you. Yes, to me the phrase 'bizarre online crusade' describes your activity quite well, however I accept that you probably disagree.
With regard to your numbered points....
1. Yes, those things have happened, well done (well, China has existed for a very long time).  Did you foresee that Trump would be President in March 2015, before he even announced he was standing for the Republican nomination? Did you foresee coronavirus? If so, you really shouldn't be so modest about your ability to predict things. More to the point, however, what was proven by the 2015 general election?
2. I linked to the thread about RB because you made a prediction in it about the 2015 election proving something. I'm still no clearer about what it seemingly proved. I agree we don't hear much about RB any more though. Personally I think it's because he isn't that funny but I guess you might think it's something to do with people with 'vested interest' (VI) status, as you see it, making sure he doesn't get work. No doubt you'll correct me if I'm wrong.
3. Well, ok, this might be a bit more on-topic; in August 2014 you said "I personally think house prices have reached their peak everywhere but with the shortage of available credit I can see a major fall in the near future followed by even bigger falls later on.".
https://forums.moneysavingexpert.com/discussion/comment/66201456/#Comment_66201456
I think you were mistaken, what do you think?

Regarding your closing remarks it is, of course, entirely up to you whether you answer questions or not, but please do not mislead yourself into thinking I am in any way interested in who you are. The questions I asked could not identify you (that is why I asked in general terms) but I was interested because I consider that the answers could help inform as to your motivation and credibility. Also, you seem to think that it takes a long time and a lot of searching to answer your questions, it really doesn't - all it needs is a few minutes and rational use of search facilities. Nevertheless, I anticipate that you will again deride me for answering the question you asked but I do at least hope you can recognise the hypocrisy in accusing me of having time to spare.

What are your predictions for house prices and the economy?

In August 2014 you said "I personally think house prices have reached their peak everywhere but with the shortage of available credit I can see a major fall in the near future followed by even bigger falls later on.".
https://forums.moneysavingexpert.com/discussion/comment/66201456/#Comment_66201456
I think you were mistaken, what do you think?

I think we should hear some of your predictions for house prices and the economy.