Fully Detached

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  1. Agree
    Fully Detached reacted to snaga in Absentee Amnesty Thread   
    Too many subforums can kill sites, we have several subforums here with only 1 or 2 active threads in them.  If most prople are lie me, they rarely venture in to those forums.
    Perhaps merge hobbies, music, health in to one forum, and the 3 financial forums in to one?
  2. Agree
    Fully Detached reacted to Libspero in Absentee Amnesty Thread   
    Honestly,  I was starting to get worried you had a drinking problem..  you only seem to post like that late at night but with slightly worrying regularity recently.  You ok mate?
     
    Regarding DOSBODs..  I’m not sure it really has changed as much as you think.. it has always been a bit niche because,  largely,  we all emigrated from the same place and it’s mostly the same people still posting.
    Spunko might have some data on the sites popularity,  but looking at google trends everything looks pretty flat:
    https://trends.google.com/trends/explore?geo=GB&q=Dosbods
     
    I just don’t see the issue..  what specifically do you think has changed?  To me, everyone / everything seems more or less the same as when the site first started.
    To be honest I think it’s also a little ungrateful to criticise the site without being more constructive.  People are running this forum ad free, at their own personal cost, in their own spare time..   if you think the content could be better,  why not start a few threads that will make it more interesting and diversify the content a little?
     
  3. Lol
    Fully Detached reacted to Libspero in Absentee Amnesty Thread   
    You don't disagree with anything though..  you just show up on random threads,  say everything's shit,  then flounce off again 
  4. Agree
    Fully Detached reacted to Wight Flight in Absentee Amnesty Thread   
    I think the beauty here is that people here debate with opinions, not people.
    For example, I disagree frequently with @sleepwello'nights yet just as often we up vote each other's posts when we are in agreement.
    I see that as a healthy sign.
  5. Agree
    Fully Detached reacted to swiss_democracy_for_all in Absentee Amnesty Thread   
    I'm a bit bored of it, most of the damage is done now and it's clear the hysterics, either manipulated by the bankers/elites or not depending on how you see it, have won nearly everywhere except Sweden. 
    The massive recession/depression is on it's way, we are now in the equivalent situation to those standing on the beach looking at the fish flapping on the sand as the water flowed out from the beach in Phuket on Boxing Day 2004.
    But If @Turned Out Nice Again posts another thread saying it's all a bit boring, we might get an asteroid strike as well!
  6. Agree
    Fully Detached got a reaction from JoeDavola in Trump's progress   
    Top work Joe, top work. And best response so far goes to:
     
  7. Informative
    Fully Detached reacted to AWW in Credit deflation and the reflation cycle to come (part 2)   
    Don't send an offer by email.  Call the agent, tell them you're very interested in the property, and bearing in mind that you have mortgage agreed and aren't in a chain, impending economic catastrophe/uncertainty, what is the absolute lowest that the vendor would accept?  The figure will be below the asking price.  This amount is then the most you will ever pay for that property.  Whereas if you go in with your own bid, that becomes the least you will ever pay for the property.
    A good EA who wants to shift a property will have no problem telling you the vendor's lowest number.
    As an example, me and Mrs AWW recently looked at a place and, when I asked the EA what the vendor's lowest number was, he told me without hesitation a figure that was 17% less than the asking price.  Then CV hit.
    Good luck. If they tell you the vendor will only accept the asking price, leave it. You don't sound like you want to pay it (and it wouldn't take you much of a reduction to get to 70% LTV, which will open up cheaper mortgages) so the conversation should end there until the EA phones you back.
  8. Informative
    Fully Detached reacted to Sasquatch in Diary of a house sale....post covid   
    This might be an interesting thread at this current point in time? (please keep vaguely on topic......please! No discussions about V8 engines or the price of garibaldi biscuits)
    We are selling our house. I won't put up any specific details for obvious reasons but happy to share some generalities for you delectation.
    We moved here just over 2 years ago (primarily for business reasons). From a very nice but quite remote country house to a relatively sad 20 year old city house. We don't regret the move from the old house as it was not somewhere we wanted to be long term. We didn't like the new house but it had potential.
    Being city based now has been a great help for our business for the last two years but we now have our eye on retirement/semi retirement which hopefully we kick in around 2023. We would like to sell ahead of this date and will move into rented if we have to or buy if the right property comes up (although this might be tricky in the short term for our business for geographic reasons)
    We've spend quite a bit on the new house (new kitchen, new utility, new bathrooms, new flooring, major refurb of the conservatory, full redecoration, fully remodelled garden from previous jungle state, other general improvements). It is now a 'move straight in' property with all mod cons and low maintenance. It ticks all the boxes - great position, fantastic views, detached, private cul de sac, double garage, extra parking, nice garden but easy to maintain, 4/5 bedrooms, 2/3 receptions, 3 bathrooms. Way more than we need. The city is also very popular and on the up (at least it was pre covid). It was valued last October by three agents. All valued at the same amount and this is £75,000 more than our initial purchase price + refurb spend. Therefore we can knock £75,000 off the price and end up in a cost neutral situation. We are happy to do this (as we are not mad). We had three viewings in early March and all were interested but obviously everything stopped shortly after. One of the viewing parties was a true cash buyer and they were the most keen. 
    Price wise we are way above the average house price for this area but then we have a rare house for this part of the city. Probably only 4 or 5 properties offering the same on the market at the moment. 
    Our agent says things are picking up but I don't believe anything that an estate agent tells me (who does!). No new viewings yet. If it's going to happen I think it needs to be in the next 3 months or so before we head into the autumn and the financial situation becomes more apparent to the masses. 
    I am hoping that someone will view, put in a cheeky offer which we then accept and they think they've got a bargain. That is basically our plan! Obviously we need people through the door for this to happen.
    I'll give as much anecdotal info as I can going forward.
  9. Agree
    Fully Detached got a reaction from lid in Can they restart the economy....   
    Yes.
    We can restart as if nothing has happened. And then about 3 seconds later we will realise that something has happened, that this something is rather significant, and that the economy is rubber ducked. Which brings us neatly back to:
     
  10. Agree
    Fully Detached got a reaction from LC1 in Can they restart the economy....   
    Yes.
    We can restart as if nothing has happened. And then about 3 seconds later we will realise that something has happened, that this something is rather significant, and that the economy is rubber ducked. Which brings us neatly back to:
     
  11. Agree
    Fully Detached reacted to the gardener in Cummings for a lockout?   
    He voted Remain.
    This tells you all you need to know. The Conservative benches are still stuffed with remainers. The swamp is far from being drained. 
  12. Lol
    Fully Detached got a reaction from Wight Flight in Cummings for a lockout?   
    You can have XYY and Carl Fimble. Now get this fucker off the tarmac.
  13. Lol
    Fully Detached got a reaction from Libspero in Cummings for a lockout?   
    You can have XYY and Carl Fimble. Now get this fucker off the tarmac.
  14. Lol
    Fully Detached reacted to Austin Allegro in Cummings for a lockout?   
    Carl won't be joining us. It's an El Al flight.
  15. Informative
    Fully Detached reacted to SillyBilly in Can they restart the economy....   
    Keep the updates up Sasquatch as very interesting. You have a good bellwether there for SME business. 
    In terms of my own business. Just in past week, another one of our suppliers (Solvents with Safety) is being wrapped up by the end of July by its parent company (Tradebe). Wednesday the staff were informed and last thing Friday customers (including us) were notified. 90 jobs going. One of my other suppliers (who shall remain nameless as small limited outfit) will almost certainly go under as 80% of their business was with the aforementioned. Decades old business.
    This is on top of several others already gone. One of our tanker companies (Morrey Oils) went bust due to the lack of petrol/diesel/bitumen etc. moving around the U.K. 2/3 of their business pretty much stopped overnight. Another tanker haulier (shall remain unnamed) is I am reliably told "on the edge".
    I don't think we're even getting warmed up either sadly...
  16. Lol
    Fully Detached got a reaction from stop_the_craziness in Can they restart the economy....   
    Yes.
    We can restart as if nothing has happened. And then about 3 seconds later we will realise that something has happened, that this something is rather significant, and that the economy is rubber ducked. Which brings us neatly back to:
     
  17. Lol
    Fully Detached reacted to satch in Can they restart the economy....   
    So it is all over. We have survived the Covid Plague of 2020. And now we must look to the future and create a new world fit for Saints of the NHS to live in and a land for the survivors. So we have;
    Satch’s Five Key Suggestions To Get The Economy Moving After The Virus Has Gone
    Housing
    Help to Buy 2020, an additional 20 percent free government gift toward the cost of buying a house for every home buyer. This will get the housing market moving in most of the UK. In London things have been very difficult so with the new London key worker Help To Buy NHS (for public sector workers only plus BAME in the private sector) the government will provide 80 percent of the purchase price as a free loan, only to be paid back when the house is sold in the future. So these NHS saints and key public sector workers will only need to pay for 20 percent of the price to own a house.
    A worked example. NHS salary 50k with a 4x mortgage would allow a purchase of 200k, but with Help To Buy NHS the key worker can now afford to buy a property for £1,000,000 with the additional 800k only payable when the property is sold in the future.
    Land Lords
    It is only right and proper that these valuable businesses are protected and saved. Help To Rent is a new scheme where the government will make up any shortfall from scum tenants who have not paid their rent or caused damages. In addition Help To Rent 2 will cover all the costs of evicting these scum tenants and getting in new tenants. These provisions will be passed into Law and will be known as the Fergus Laws of Divine Retribution.
    Teachers
    After the schools are re-opened, teachers can remain at home on full pay until they are sure it is safe to return to school and start work. This provision will also apply to all public sector and council workers. They do valuable work and must feel safe when they return. In the meantime they can support the economy from home by buying tat and takeaways.
    NHS Staff
    In recognition of their work, all NHS staff will be given extra time off, two days every week, and free dance lessons for life. This will be funded by the new tax on private sector employees, the Clap Tax which will be an additional (temporary) 10 percent tax on the Income of all private sector employees. It is only right that the saints in the NHS and public sector are rewarded and will not have to shoulder the cost of this burden.
    Interest Rates
    To help everyone and provide certainty for business and especially savers, the new Bank of England Base rate will be set at 0.001%. And up to one trillion pounds will be made available for investment to get our economy back on track and up to speed.
    I commend these suggestions to the Chancellor.
  18. Agree
    Fully Detached reacted to MrLibertyRedux in Can they restart the economy....   
    That bit.
    I never understood fully how they managed to keep everything going after 08.
    I see just fewer jobs, on less money and no pensions.
    Interestingly, the friends I have with children who have so far been untouched by and large since the crash, have now got those children hitting early adulthood. I don't think there is a hope in hell of one of them buying a house on the street they grew up on. Only one couple are actually affluent enough to support their kids to the level that will be needed financially.
    They are starting to make noises as it is now dawning on them. And they are a large demographic.
  19. Lol
    Fully Detached got a reaction from Kilham in Can they restart the economy....   
    Yes.
    We can restart as if nothing has happened. And then about 3 seconds later we will realise that something has happened, that this something is rather significant, and that the economy is rubber ducked. Which brings us neatly back to:
     
  20. Agree
    Fully Detached reacted to Libspero in Cummings for a lockout?   
    Unified face..  seems he's hardly a team player.   What person as part of a "unified face" throws their toys out and quits the team?
    I doubt he's really that principled anyway..  people don't usually quit their job like that unless they were planning to do so anyway for far more mundane reasons.
  21. Lol
    Fully Detached reacted to Rave in Cummings for a lockout?   
    What the actual fuck? This thread becomes ever more of a bizarre alternative reality as time goes on.
    It is a central tenet of how governments work that cabinet ministers are expected to present a unified public face, after they've privately argued out a course of action in cabinet. If a cabinet minister finds himself unable to back the government's position, then resignation, far from being a cowardly decision, it is literally the only principled course of action.
    Now you may not agree with this guy's decision to resign, and that's fair enough; but to accuse him of lacking moral fibre as a result is nothing more or less than a total inversion of reality; utterly bizarre, and frankly contemptible. Give your head a wobble, you fucking fruitcake.
  22. Lol
    Fully Detached reacted to ccc in Can they restart the economy....   
    It's bad enough thinking we can have an economy built on selling houses to each other - but based on selling big stupid ovens to each other ? 
    You're worse than Krusty ya Muppet 
    Mass government debt write off imo.
    I reckon they're all up for it they just don't know the details. 
  23. Agree
    Fully Detached reacted to Austin Allegro in Can they restart the economy....   
    It's worth remembering that the Great Depression did not start immediately after the crash of '29. In fact for about six months afterwards there was relative normality and predictions of a 'bounceback'.
    It's possible we might see the same, a rush back to 'normality' but then a realisation that it's not going to happen. I can imagine, for example, this winter some sort of Potsdam Conference of the G12 (or however many there are now) at Davos where huge systemic financial and economic changes are decided over cocktails. A bit like Churchill and Stalin carving up the map of Europe.
  24. Agree
    Fully Detached got a reaction from Rowley in Can they restart the economy....   
    Yes.
    We can restart as if nothing has happened. And then about 3 seconds later we will realise that something has happened, that this something is rather significant, and that the economy is rubber ducked. Which brings us neatly back to:
     
  25. Agree
    Fully Detached got a reaction from Bricks & Mortar in Can they restart the economy....   
    Yes.
    We can restart as if nothing has happened. And then about 3 seconds later we will realise that something has happened, that this something is rather significant, and that the economy is rubber ducked. Which brings us neatly back to: