My obsession with not buying in UK - Prove me wrong

grumiofoundation

RobHT said:

D924 said:

I stupidly took out a LISA so while I agree with OP I'm basically now forced into the pyramid scheme!

LISA =  scam
Help to buy = scam
Shared ownership = scam

Remember this for the future, don't let a .... gov scheme to manage your money, never.

How is the LISA a scam? Do you actually know what a LISA is? 

RobHT

anotheruser said:

Exodi said:

I don't think many people can be bothered to argue this, especially as your post is so obviously biased towards renting... I have a little time so I'll play the game (though I have a serious belief you are trolling).

I've read your post a couple of times now, and while I can see (laughable) cost comparisons and assumption but you don't seem to mention the fact you'd actually own a house if you bought? You're working out how much it would cost, without acknowledging that at the end of 30 years renting you'd own nothing, whereas after 30 years of a mortgage you'd own a house...with 30 years of house prices increases.

Actually, I'm not sure I can be bothered to respond to the rest of your post reading your other points about inflation and insurance, completely devoid of logic.

Rent for the rest of your life if you believe that is the right thing to do, I'm sure your landlord is grateful to you for paying his mortgage.

Quoting this as it's worth reading again.
It's possibly thread finished after this post.

The post is going ahead because people want to talk, simple.

Plus, I already clarified, probably twice, that I'm ok with the concept of not owning an house, if in the end is always about paying a monthly fee. I don't care what happens in 30y, or how would I feel not having my name and surname on that plot and four walls and rest from the next-gen cheap IKEA stylish outfit.
I'll pay again my fee, as I'm doing now, it's a concept of someone that you won't be able to pay the rent at that age.

Let me tell you one thing, if you are forecasting that for your pension, then it's also your actual situation, which sucks and I'm sorry about it, but it's not valid for everyone.
I manage my life in a way that I can always have what I want, no matter what.
Certainly I can't have everything or everything at top level, I need to compromise too, in fact I'm the only idiot in UK with a simple car but with still a lot of perks and good security level, whereas my smart friends are with rusted BMW that cost same as a Ford KA in maintenance . They break more often than when I was a teenager on a bicycle, or a motorbike showing off and making the police angry.
As a conclusion, they are all broken down, starting from their wallet.

Slithery

RobHT said:

I don't have 3 months of notice, no one in IT has 3 months, we all have 1 month.

I can tell you from personal experience that this just isn't true.

What's the point of this debate if you just keep on making up untrue facts to suit your agenda?

RobHT

grumiofoundation said:

RobHT said:

D924 said:

I stupidly took out a LISA so while I agree with OP I'm basically now forced into the pyramid scheme!

LISA =  scam
Help to buy = scam
Shared ownership = scam

Remember this for the future, don't let a .... gov scheme to manage your money, never.

How is the LISA a scam? Do you actually know what a LISA is? 

My friend was named LISA, and she was a scam ahahahaha.

Come on man, yes I know what it is, but it's a scam for one damn simple reason, if you need LISA, then you should not buy, same for the other schemes! It means that you can't afford to buy.

It's a simple concept not mentioned in the complex set of rules of these schemes... Oh really?

grumiofoundation

RobHT said:

grumiofoundation said:

RobHT said:

D924 said:

I stupidly took out a LISA so while I agree with OP I'm basically now forced into the pyramid scheme!

LISA =  scam
Help to buy = scam
Shared ownership = scam

Remember this for the future, don't let a .... gov scheme to manage your money, never.

How is the LISA a scam? Do you actually know what a LISA is? 

My friend was named LISA, and she was a scam ahahahaha.

Come on man, yes I know what it is, but it's a scam for one damn simple reason, if you need LISA, then you should not buy, same for the other schemes! It means that you can't afford to buy.

It's a simple concept not mentioned in the complex set of rules of these schemes... Oh really?

Probably should have included this in the first post. 

Do you know what a scam is? 

By the way it was a valid valid question to ask  about whether you know what a LISA is, based on the level of research you appear to be willing/capable of despite your apparent confidence in your own analytical abilities. 

aoleks

I think RobHT is a troll. He’a clearly an idiot with no intention to be serious about things, hence stupid remarks about a savings account…

as if those 2-3 thousand of pounds you get from a LISA account is gonna make any significant difference to a house worth half a million…

grumiofoundation

aoleks said:

I think RobHT is a troll. He’a clearly an idiot with no intention to be serious about things, hence stupid remarks about a savings account…

as if those 2-3 thousand of pounds you get from a LISA account is gonna make any significant difference to a house worth half a million…

For half a million pound property you can’t use LISA (although agree with the principle for 450k or less! Hard to argue with the rest of your post as well) 

RobHT

Slithery said:

RobHT said:

I don't have 3 months of notice, no one in IT has 3 months, we all have 1 month.

I can tell you from personal experience that this just isn't true.

What's the point of this debate if you just keep on making up untrue facts to suit your agenda?

Ok then, we have a difference experience, I'm happy to see that in UK the law protects someone , or that your company is extremely kind.

grumiofoundation said:

RobHT said:

grumiofoundation said:

RobHT said:

D924 said:

I stupidly took out a LISA so while I agree with OP I'm basically now forced into the pyramid scheme!

LISA =  scam
Help to buy = scam
Shared ownership = scam

Remember this for the future, don't let a .... gov scheme to manage your money, never.

How is the LISA a scam? Do you actually know what a LISA is? 

My friend was named LISA, and she was a scam ahahahaha.

Come on man, yes I know what it is, but it's a scam for one damn simple reason, if you need LISA, then you should not buy, same for the other schemes! It means that you can't afford to buy.

It's a simple concept not mentioned in the complex set of rules of these schemes... Oh really?

Probably should have included this in the first post. 

Do you know what a scam is? 

By the way it was a valid valid question to ask  about whether you know what a LISA is, based on the level of research you appear to be willing/capable of despite your apparent confidence in your own analytical abilities. 

Remaining in the house purchase conversation, a LISA account is useless, full stop, I'm not gonna change my mind on that.

aoleks said:

I think RobHT is a troll. He’a clearly an idiot with no intention to be serious about things, hence stupid remarks about a savings account…

as if those 2-3 thousand of pounds you get from a LISA account is gonna make any significant difference to a house worth half a million…

Maybe you wanted to say that I'm not a troll??
What did I say about a saving account? I've never considered to put my money in a saving account, it's pointless, I don't even think I mentioned anything about a saving account in the whole thread.
 
How 1k per year makes a difference? You just said the same... So how am I trolling on this precise topic?

onylon

RobHT said:

I don't have 3 months of notice, no one in IT has 3 months, we all have 1 month.

RobHT said:

Yes, it's one month for both parties.

It's not that easy to get skills that just a few have, I'm already on that boat, but it's just not that simple as you described it.
The IT world is very bad, you can talk to anyone and they would tell you the same, especially in Engineering.

I'm an engineer myself and its much easier than you might think. Next time you want to say "that's not my job", just smile and do it while getting as much out of the experience as you can. Worst case you get to act the martyr and request a more glamorous task in the next sprint. 

I don't know how you managed to swing 1 months notice, no one would offer me less than 3. Some want 6 months!

Exodi

RobHT said:

Maybe you wanted to say that I'm not a troll??

I don't even think I mentioned anything about a saving account in the whole thread.

RobHT said:

LISA =  scam

RobHT said:

it's a scam for one damn simple reason, if you need LISA, then you should not buy, same for the other schemes! It means that you can't afford to buy.

RobHT said:

a LISA account is useless, full stop, I'm not gonna change my mind on that.

 LISA = Lifetime Individual Savings Account

The reason this thread continues isn't because there's an intense debate between two halves of the forum, it's because you're solely and deliberately posting procative and incorrect points of view that invoke reactions from everyone. Like you've just done with me.

Hats off to 2022's biggest troll.