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THE TALK TO YOURSELF THREAD. (NOWT)     

goldfinger - 09 Jun 2005 12:25

Thought Id start this one going because its rather dead on this board at the moment and I suppose all my usual muckers are either at the Stella tennis event watching Dim Tim (lose again) or at Henly Regatta eating cucumber sandwiches (they wish,...NOT).

Anyway please feel free to just talk to yourself blast away and let it go on any company or subject you wish. Just wish Id thought of this one before.

cheers GF.

TANKER - 18 Sep 2015 15:33 - 63116 of 81564

the uk should only take Christians not any muslims they should go to muslim countries
then it woukd be fine


has I have posted I will knock off 30k of my home and donate all in the house worth around 20k so a large family could be moved in with out having to buy or do anything other than look for work

Haystack - 18 Sep 2015 15:33 - 63117 of 81564

There is no such thing as our fair share of refugees, especially as large numbers seem to be economic migrants who we want zero of.

will10 - 18 Sep 2015 15:33 - 63118 of 81564

Tanker. Do the math. 5k a year gross (say 4k after expenses) is less than 2%. Wouldn't cover the landlords mortgage. Not a viable business model.

Only solution to housing problem is to build more houses.

Haystack - 18 Sep 2015 15:34 - 63119 of 81564

Stop buy to let mortgages.

cynic - 18 Sep 2015 15:35 - 63120 of 81564

perhaps we were talking a x-purposes
housing benefit is already pretty tight, though i don't its limits

your average house price is considerably skewed insofar as houses in mid wales or cumbria or bolton are assuredly an awful lot lower than those in southern england ..... there's a link to job location

with regard to building costs, you need to take a look at the cost of the land and then check what % builders actually make

wil10 should be the man to tell you all

MaxK - 18 Sep 2015 15:36 - 63121 of 81564

Where does the money come from to build more houses?

TANKER - 18 Sep 2015 15:36 - 63122 of 81564

hays spot on greedy bastards wanting more and more for seating on their backsides
hays your best post ever , rotten landlords who can not fix the problems but want the cash if you can not guarantee to fix the problems you should be banned fro renting

TANKER - 18 Sep 2015 15:38 - 63123 of 81564

will can give one of is homes for free to the council if he thinks like a dimwit,
but alas greed will get the better of him . if he is for real

TANKER - 18 Sep 2015 15:44 - 63124 of 81564

will £ 200 a week is £10400 a year you thick twit
so you want the renter to not only pay the mortgage but also pay you cash in your hand that's the problem greedy bastards wanting the cake and eat it
at the end of the day you still own the house .they own fcuk all.
time for the gov to act cut the housing benefit to no more than £ 200 a week

cynic - 18 Sep 2015 15:47 - 63125 of 81564

on a tangental theme, the banks have and have had access to an unbelievable amount of cheap money, but just try getting a mortgage!

will10 - 18 Sep 2015 15:49 - 63126 of 81564

There is no way to reduce the price of desirable houses. Massive new housing can ensure those in need will get provision.
Look around your city, there will always be demand for houses of a particular style, or located in a favored area. There is a limited supply of these. You can not build more of that type in that area.
You can build new housing around all cites, towns etc and if you build enough , fast enough you can satisfy housing need at affordable prices.
However no matter how many you build and how cheap you build them you will not lesson the demand on popular areas.
We may all have a desire to live in Mayfair and want someone to facilate it for us but it ain't going to happen

cynic - 18 Sep 2015 15:50 - 63127 of 81564

will - any thoughts on the revival of the 600,000 derelict and abandoned housing stock, primarily in cities?

VICTIM - 18 Sep 2015 15:51 - 63128 of 81564

Glad your here TANKER you always put things much more eloquently than I ever could , we need more foreign types to keep the real foreigners out .

will10 - 18 Sep 2015 16:10 - 63129 of 81564

Tanker. Very sorry my bad. You are correct 10k income, so 5% gross yield. Still bearly covers loan require to purchase the house before you rent it out.
Councils used to build houses to rent. Don't do it now.

A private rental market is a neccessity in every town/city. In my experience there is a huge demand for short term residential housing.
My clients include, students (UK and over seas) young workers wishing to be based close to the city centre ,doctors and other specialists needing short term accomadation (6 months or less) near the city centre hospital. Supply does not meet demand.

I do not own any houses. All accommodation is either above existing shops, converted warehouse, a former church and soon to be available a converted 18th century police station. No families displaced.

Back in the day landladies rented rooms in their house. London landladies rented rooms to single men and women and included meals. Many Irish building workers stayed with the same landlady for years. Not around now. But demand still there

cynic - 18 Sep 2015 16:15 - 63130 of 81564

will - my post 63130 ... any thoughts?

will10 - 18 Sep 2015 16:23 - 63131 of 81564

Cynic. Don't dispute the figures. I'd venture the reason they haven:t been done up is because it's not viable. If there is demand and the economics made sense no doubt it would have happened. House building very capital intensive. Currently big shortage of construction workers.
Three large, 200 flats+ sites in my nearest city have been put on hold after site clearance. Reason given was that construction tenders jumped 20% after easter . Materials costs dropped but labour shortage major problem

Fred1new - 18 Sep 2015 16:32 - 63132 of 81564

Will,

That sounds like the Heath period recurring???

Interesting.

Oil prices?

ahoj - 18 Sep 2015 16:50 - 63133 of 81564

How far can they fall?
Glencore might be selling stocks to reduce debt! A couple of billion $ trade, then it should start recovering.

cynic - 18 Sep 2015 16:52 - 63134 of 81564

will - part of the problem is undoubtedly that the houses are not in the most desirable areas

my comment is along the lines of hard cheese, always assuming that your job is within say 30/60 minutes of that address ...... imo, too many first-time buyers want a 3-bed house with garden and garage and in a pretty area!

shepherds bush and portobello (and many others) were real crap areas and worse, but have since become fashionable as people realise that properties were (relatively) cheap and not that badly located

will10 - 18 Sep 2015 17:15 - 63135 of 81564

Cynic. Yes not in the desired area is one reason.
But the cost of bringing an old building up to modern building regulations may just not be economical.
Anything more than 15 years old is well behind on insulation values. If converting an old timber floor building to flats sound proofing between floors to current standards is very expensive. Modern requirements for plumbing and wiring is way above that of 20 years ago.
For vacant city centre properties the existing drainage and power supply many not be adequate to take the update required. In many cases probably best to demolish and start again.
With house building at 130k per year and about 250k said to be the requirement there is plenty of work for someone. The top 10 listed house builders combined build less than 80k a year and they have said that at best they could only raise their completion rate by Max 15% a year. But only with a large increase in construction workers.
The housing crisis is far from being addressed.
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