Property

Re: Re: Re: Julian

Originally posted by Barnie
I really don't understand this attitude, I mean we all have the same opportunities
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Bol***ks:p

It all comes back to money. Some people start in a far better position than others - but that's another discussion so lets not go down that route:o
 
Batfink

Bollocks to you as well.

Until the age of 5 my family shared a 2 up and 2 down terrace in Plymouth with another family.

My family lived in a council house until both parents died.

Now I own 3 houses and am looking out for number 4.

It is not a question of being lucky or intelligent, because I am neither, it is all about how you organise things.

So like Barnie said, cut the whinging and get positive.

Regards

Mick
 
Originally posted by Robbo
And timing, and luck.

I do hope that those amongst us who have been more fortunate in life than others are not looking down on anyone.
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Same here
I dont own my own house, but not due to money so much. Would that make me a lesser human:confused:
 
batfink & julian2002

"It all comes back to money. Some people start in a far better position than others - but that's another discussion so lets not go down that route" batfink

I too grew up in a council house, my parents also lived in it until the inevitable happened. In other words no silver spoon in my mouth.

"if my financial situation was more stable then i would however as an irresponsible youth i spent all my money on trotting the globe and an ill advised choice of wife, thankfully the stormy ocean of my finances may finally be calming down with just the decree absolute to go in a few weeks" julian2002

Yes been there done that and had far worse thrown my way, got up dusted myself down, went out there and made it happen!

"i'll probably have to pawn the lexus though " julian2002

There lies the truth of the matter. Until 2yrs ago I drove a battered up Escort van, could have strapped myself up with a Lexus to impess the world but I didn't, and you have the audacity to accuse me of willy waving. Get a life julian :rolleyes:

Regards

Barnie.
 
Originally posted by Barnie
You'd be better off renting out your house and tavelling on the cheap with your rental income, at least you'd have somewhere to return to and if you fancied then moving off somewhere else, you'd have made substantial profits.
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That would in fact be my prefered solution. :) As I really do like the house and the location I currently live in, and it could be quite hard finding something similar again - it'd have to be the same neighourhood/road for sure if I were in the situation of buying again (in this area). Selling up altogether would to me feel like burning bridges in way, something I'd not want to do at this present stage in my life. I'd rather go off around the world and discover that what I have already isn't worth swapping for, but I feel I need to make that mistake first - but yet still have a revert everything back to how it was clause.

Originally posted by robs
Oh, maybe not....look what i found:

http://www.immi.gov.au

Will be posting my forms this week!!!!

At least it'll be sunny.
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Hi Robs - already been looking into and investigating possibilities along those lines. Maybe see you over there! ;)


Originally posted by lhatkins
Hi Harry

For what its worth mate, I don't think you made the wrong choice, you have a lovely home, its just things haven't gone your way lately, but it'll turn around.
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Hi Lee. I appreciate what you're saying mate, and I do realise how I lucky I am with regard to the house and all that. :) The job isn't the only issue for me, it's just the extra thinking time I've had of late has made me think more and more about all the other possibilites and opporunties I could be looking into out there. All I will say is that it's easy to look at someone else and think how lucky they are when we see things that we haven't got ourselves, but money can't buy everything and not many people truly have *everything* they really want going for them all the time. I know for sure that money doesn't make me happy, although I do feel that I'm content as far as material possessions are concerned and don't feel the need to have much more money than I already have. Am I talking gibberish are do you get my drift? ;)

Originally posted by julian2002
in the days when there was such a thing as a job for life, buying over renting made good sense, however i've moved all over the country / world in order to work (bedfordshire, cambridge, luton, yorkshire, london, birmingham and texas) in the past 17 or so years. most of these moves was due to redundancy or the company going bust. unfortunately this is a fact of my life, there is no way i could afford to pay a mortgage as well as rent so renting is effectively my only option. i feel there are a lot of people in my situation who need to be able to move on quickly for whom buying is just not feasable.
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I can identify with so much of what you just said there Ju. The eroding of the "jobs for life" mentality has a lot of things to answer for in the now more insecure world of work, as well as lifestyle choices which have to be made to fit in with therein.

Originally posted by Barnie
Why don't you cut out the whinging and use the energy to better yourselves?
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I reckon the clue is in the old saying that "those that can (or who actually have the motivatation to do more than just open their mouths and give non stop opinions all day ;) ) do, and those that can't (just) talk (about it)"! :D
 
Hi Lee. I appreciate what you're saying mate, and I do realise how I lucky I am with regard to the house and all that. :) The job isn't the only issue for me, it's just the extra thinking time I've had of late has made me think more and more about all the other possibilites and opporunties I could be looking into out there. All I will say is that it's easy to look at someone else and think how lucky they are when we see things that we haven't got ourselves, but money can't buy everything and not many people truly have *everything* they really want going for them all the time. I know for sure that money doesn't make me happy, although I do feel that I'm content as far as material possessions are concerned and don't feel the need to have much more money than I already have. Am I talking gibberish are do you get my drift? ;)
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You ain't talking gibberish! You sound like someone with their head screwed on the right way..

I reckon the clue is in the old saying that "those that can (or who actually have the motivatation to do more than just open their mouths and give non stop opinions all day ;) ) do, and those that can't (just) talk (about it)"! :D
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Ain't that the truth.......

Best regards

Barnie.
 
barnie,
Yes been there done that and had far worse thrown my way
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it's not helped you attitude though has it?

as for willy waving, only you have had the audacity to set up a forum for the sole purpose of stroking your own ego.
as for getting a life, i'm very happy with the one i have, so it would be greedy to get another one.

i came to the conclusion a long time ago that whilst nice houses, cars and hi-fi were fun. the imprtant things in life are family and friends. i can't see you having many of those if the sort of atitude you display here is anything like your real life persona. it's kind of sad really.
cheers


julian
 
julian2002

barnie,

it's not helped you attitude though has it?
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My attitude comes from reading the drivel people like yourself write.
as for willy waving, only you have had the audacity to set up a forum for the sole purpose of stroking your own ego.
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This is where you loose the plot, it's only you that say this is the reason. Infact it's forums like this that are used for the purpose you have stated.
i came to the conclusion a long time ago that whilst nice houses, cars and hi-fi were fun. the imprtant things in life are family and friends.
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So why are you getting a divorce and why do you drive a Lexus?
i can't see you having many of those if the sort of atitude you display here is anything like your real life persona. it's kind of sad really.
cheers
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You know very little about me, who needs friends with attitude like yours! Sad indeed.

Regards

Barnie.
 
I reckon you'd still moan about the price of yachts and fine art if that was the chosen investment material, instead of getting out there and doing it for yourself. Why don't you cut out the whinging and use the energy to better yourselves?
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Well i din't grow up in a council house, but who gives a shit really. In fact, given the circumstances, i was probably extremely fortunate. I'd be happy if i could afford a council house now, but as you say, that is entirely my own fault, in the free economy in which we operate. And the comment was fairly jovial, but in essence, i suppose you are correct, and if i think about, i really am a whinging bastard. I'm not really sure what 'bettering myself' means exactly though? If it means earning more money in order to buy a home, then i really am screwed. Can't have everything i suppose.

If it wasn't for your whinging on other matters though Barnie , perhaps we would never have had the pleasure. But i suppose in another way, you were merely asserting the truth and fighting for justice, which could well be interpreted as merely bettering oneself. I suppose anything can mean anything given the appropriate context.

ATB neighbour.
Dino
 
Originally posted by Robbo
And timing, and luck.
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Too true.

5-8 years ago would have been an ideal time to buy a house (or even in the late 80's when prices crashed) - first-time buyers didn't find it the struggle they find now - but I was at university (or school (in the case of the 80's ;) )) then so wasn't in the market.

Getting a foot on the property ladder now is harder than ever before.

Mick - I could (and do) organise things as well as anyone could, but it doesn't stop the fact that right now, in the current climate, I simply can't afford to get on the property ladder and am struggling to find a mortgage lender to give me £125000 (without being daft and becoming self certified)
 
Not quite true

Batfink

I have to agree that house prices are high but they are likely to stay that way until interest rates go up. which is now becomiming more unlikely due to our relatively low inflation.

You must remember that back in the late eighties when house prices crashed, interest rates once hit 15%, so property was also unaffordable then, especially with the high umemployment levels of those days.

Regards

Mick
 
Originally posted by cookiemonster
This is uttered quite frequently, but unless you either rent a 6 bedroom villa, or plan to buy a 15sqft bedsit, i simply can't see how it can be true. Of course, it is more likely, if you plan to get an interest only mortgage, but i'm not entirely sure how great they are.
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My mortgage payments are about £816 a month. To rent a 2 bed flat with garden in the area where I choose to live would cost me between £900-1000 a month.
 
Originally posted by tomson
My mortgage payments are about £816 a month. To rent a 2 bed flat with garden in the area where I choose to live would cost me between £900-1000 a month.
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How long have you had the mortagage though and what type is it?. I am talking about starting from scratch now. i.e first time buyers. If you have had a mortgage for a while, then invariably it is going to be less than the rent on an equivalent house, due to the massive increase in house prices in recent years. Of course, if you've just bought it, then i'm obviusly wrong, but probably also you're location in the country is a factor, i don't know. But i know with certainty that for me, a mortgage is considerably more expensive (20-30% for the sake of arguing) than renting for the exact same property, and that is even after a hefty deposit. Plus, running costs are higher, but that is something else. Or i could opt for an interst only mortgage which probably equates roughly to what the rent would be.


And 'buying to let' took off for a while, but it is hardly as profitable (as in income - not just someone payng the mortgage for you) as it was at one time, if at all, because of this very situation. Unless of course you have the money to buy houses cash, or with very little mortgage.
 
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barnie,
thank you for demonstrating my point far more eloquently than i ever could.

i drive a lexus for a number of reasons
1) it was very cheap.
2) i'm very tall overweight and i fit in it.
3) it's very safe and i drive my kid to school everyday so that was a big priority.
4) it's good for long journeys which is important when you have to drive to scotland and back in a day for an interview.

the reasons i'm getting a divorce are none of your business.

that's right you do know little about me, so perhaps you shouldn;t assume so much.
cheers


julian
 
dino,
you may want to look into moving out to the hinterlands. the rent round here is roughly half what you quote. yes it would mean an increase in the petrol you use but a diesel car would sort that out and you get numb to the journey after a while :). a friend of mine used to live in kettering and commute to colindale in north london every day so it's doable.
cheers


julian
 

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