is that it now game over no chance of POTUS

 

Rayguns out

Our household income is nearly 100k a year and there’s not a hope of even getting a mortgage in zone 5 - 4 bed family homes are nearing a million.

Saving for a deposit isn’t an option with rent at £1,600 per month.

thats why you have to have rich parents or you have folk living at home until their in their 30s.

This is a huge issue, affordability of homes and extortionate rents are causing problems for millions.

 

For us at the time, 18 years old, it was all about getting on the ‘ladder’ as early as possible. Because of our low income then, we couldn’t afford anything local so we moved to Adlington. Just checked the latest sale price for a house we bought in 1976 and it was £113,000 in April this year.

 

Here in Wogden/worsley There’s new houses flying up all over priced between 180k - 350k in Walkden and 280k - 600k in worsley. The majority of these sell within weeks of the plans being released. Where have all these people come from that can buy these houses in Walkden? I’m not talking about 10-20 there’s literally hundreds that’s have all sold within weeks. 

16 minutes ago, royal white said:

Here in Wogden/worsley There’s new houses flying up all over priced between 180k - 350k in Walkden and 280k - 600k in worsley. The majority of these sell within weeks of the plans being released. Where have all these people come from that can buy these houses in Walkden? I’m not talking about 10-20 there’s literally hundreds that’s have all sold within weeks. 

Might be people from elsewhere who want to live and work in Manchester? 

54 minutes ago, royal white said:

Here in Wogden/worsley There’s new houses flying up all over priced between 180k - 350k in Walkden and 280k - 600k in worsley. The majority of these sell within weeks of the plans being released. Where have all these people come from that can buy these houses in Walkden? I’m not talking about 10-20 there’s literally hundreds that’s have all sold within weeks. 

Footballers. Vela and Clough live on the newish development off Hilton Lane. Might be classed as Little Hulton but they will swear its Worsley.

4 minutes ago, Boby Brno said:

Footballers. Vela and Clough live on the newish development off Hilton Lane. Might be classed as Little Hulton but they will swear its Worsley.

That’s where they’re 350k, crazy prices. haha I knew JV lived there but I thought ZC pulled out when he moved to Forest?

Just now, royal white said:

That’s where they’re 350k, crazy prices. haha I knew JV lived there but I thought ZC pulled out when he moved to Forest?

Maybe. My son lives in Walkden and it was him who told me.

21 hours ago, kent_white said:

Did you actually read what I wrote or did you just see the words 'I just call myself a socialist' and then go off on one? 

 

Yes and yes 

On 08/11/2018 at 22:28, Not in Crawley said:

Do you honestly think there has been a reset?

 

Not yet - I believe it is evolving. Trump is a fragment of it as is Brexit. The rise of the right (Brazil now continuing the trend) and other indicators tell me it's happening.

On 09/11/2018 at 04:33, kent_white said:

 

I don't think there's any reason why a human being should be starving on planet earth in 2018. 

 

I do. There are too fucking many of us.

15 hours ago, DirtySanchez said:

And not to mention when he makes an 'amusing' alternative to your username or calls you sonny 

 

 

Thank you for confirming it gets to you sonny 

7 hours ago, kent_white said:

Birch - great point about comparing house prices to to 50's and 60's. I'd never thought about that before - although I suspect they'd still be higher even if you factored in the two wages. 

Perhaps, you can fall down a rabbit hole trying to find the data 

you also have to consider that interest rates over the course of your mortgage are also much lower now than they would have been had you bought in the 50’s or 60’s then paid it off over 30 years 

I get the London stuff of course but I think for the rest of us the cost of owning your own home vs household income is probably similar to where it’s always been. In fact, given that more of us own homes now than then I’d say it’s become more affordable. We are back to the Guardian piece about the U.K. becoming more middle class. 

In general we all spend much more now on things like holidays, meals out, clothing etc than we did 50 years ago (as a proportion of income). That money has to come from somewhere, for me it clearly points towards things improving over time, let’s not throw the baby out with the bath water (I.e leave the EU because things are deteriorating, or even worse bringing Jeremy Corbyn in) 

I think housing has been politicised as much as migration has. Are foreigners really stealing all of our jobs? No 

Is housing really much less affordable than it was? No 

Edited November 10, 20187 yr by birch-chorley

I owed my own home in 2007, in 2018 not a hope. I’m afraid there is a real issue and it’s not just in London - across the south east in fact and then couple that with eye-wateringly high commuting train fares and the centralisation of most jobs in London and you have real issues for most average households.

6 hours ago, bolty58 said:

 

 

Thank you for confirming it gets to you sonny 

You'd have to try far much harder than that to 'get to me' botty58

4 hours ago, birch-chorley said:

Perhaps, you can fall down a rabbit hole trying to find the data 

you also have to consider that interest rates over the course of your mortgage are also much lower now than they would have been had you bought in the 50’s or 60’s then paid it off over 30 years 

I get the London stuff of course but I think for the rest of us the cost of owning your own home vs household income is probably similar to where it’s always been. In fact, given that more of us own homes now than then I’d say it’s become more affordable. We are back to the Guardian piece about the U.K. becoming more middle class. 

In general we all spend much more now on things like holidays, meals out, clothing etc than we did 50 years ago (as a proportion of income). That money has to come from somewhere, for me it clearly points towards things improving over time, let’s not throw the baby out with the bath water (I.e leave the EU because things are deteriorating, or even worse bringing Jeremy Corbyn in) 

I think housing has been politicised as much as migration has. Are foreigners really stealing all of our jobs? No 

Is housing really much less affordable than it was? No 

 

2 hours ago, Not in Crawley said:

I owed my own home in 2007, in 2018 not a hope. I’m afraid there is a real issue and it’s not just in London - across the south east in fact and then couple that with eye-wateringly high commuting train fares and the centralisation of most jobs in London and you have real issues for most average households.

As someone once said, I agree with NiC.

I bought my first house in late 1971 for under £5,000 a 3-bed semi near Kings School in Macc). I saved the deposit (5% because my employers offered staff mortgages) over 18 months and then spent several months finding the house I wanted. Punters generally had to have a 10% deposit, so that would have taken an extra year. The rules on amounts to be borrowed were absolute at 3 times the man's salary. Bonuses or overtime were not taken into account, and self-employed would need to provide proof of income over 3 years. Wives incomes were not taken into account at all, after all there was no maternity leave nor maternity pay, and no guarantee that a job would be available if and when a new mother decided to return to work. A similar house on the same street is now £220k. A single woman under 40 would have fund it difficult to get a mortgage at all.

There were a couple of hundred building societies, about 20 fairly large and the rest mostly small and fairly localised. In addition most, but not all, life insurance companies granted mortgages, as did retail banks. If an endowment mortgage was taken, no allowance for any future bonuses was made.

If the building society with which you had saved would not offer a mortgage, maybe simply because that month's quota was already lent out, you might possibly be able to find another provider, or you might not. Most mortgages were for 25 years, some 20 or 15. A 30 year mortgage  was extremely rare. In practice, because of house moves, the average mortgage only lasted 8 years or so.

A great deal has changed since then. Some things have been to the general good , but others have not.

18 hours ago, bolty58 said:

 

I do. There are too fucking many of us.

Actually, whilst there are probably too many on the planet for a sustainable long term, we produce 1.5 x the food needed to feed the planet’s current population 

Trump wouldn’t go to a remembrance ceremony because it was raining.

that is utterly fucking indefensible 

He does struggle with umbrellas

34 minutes ago, Spider said:

Trump wouldn’t go to a remembrance ceremony because it was raining.

that is utterly fucking indefensible 

Maybe his fan boys will now see why he's considered a disrespectful cunt

I’m just waiting for all the aviation experts on here to explain the weather conditions that Marine 1 can and can’t fly in. 

Im struggling to see how he’s being disrespectful because his helicopter was grounded.

5 minutes ago, royal white said:

I’m just waiting for all the aviation experts on here to explain the weather conditions that Marine 1 can and can’t fly in. 

Im struggling to see how he’s being disrespectful because his helicopter was grounded.

Ask Ben Rhodes!

12 hours ago, DirtySanchez said:

You'd have to try far much harder than that to 'get to me' botty58

I like it that much I might ask Happy if I can change to it.

With your moniker, botty's high on your agenda eh?

26 minutes ago, royal white said:

I’m just waiting for all the aviation experts on here to explain the weather conditions that Marine 1 can and can’t fly in. 

Im struggling to see how he’s being disrespectful because his helicopter was grounded.

The helicopter could have made it, plenty of pilots have already called him out on that.

plus, it was a 90 minute drive for a guy who doesn’t need to worry about red traffic lights.

thousands of veterans prepared for his visit, thousands of hours and a load of money as well.

he should have bust his massive wotsit-coloured guts to get there but he just didn’t fancy getting that shitty canopy of gossamer hay wet.

stop defending him, you of all people.

39 minutes ago, ZicoKelly said:

Maybe his fan boys will now see why he's considered a disrespectful cunt

 

31 minutes ago, royal white said:

I’m just waiting for all the aviation experts on here to explain the weather conditions that Marine 1 can and can’t fly in. 

Im struggling to see how he’s being disrespectful because his helicopter was grounded.

Maybe not

Rain

In Paris

In November

Who would have thought it