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SupraSteve

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About SupraSteve

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  • Birthday 01/02/1978
  1. Many thanks to everyone on here for sharing their memories and for the kind words and best wishes to John, myself and the rest of the family. Also many thanks to everyone who made the service and/or the celebration of his life afterwards, whether you made it in person or were there in spirit - seeing so many people wanting to pay their respects was certainly humbling. It might sound a bit stupid but I wish my dad could have seen that, to see how much he meant to so many. At the service I know I was filling in the gaps and - despite the double slot - we were really pushed for time, so apologies for everything and everyone I missed out. Cheers all.
  2. Please PM me if you would like to attend the funeral service and/or the get-together in celebration of my dad's life which is being held immediately after the service, and I will send you the details.
  3. Dad decided his own funeral details before he died, I'll check the capacity of the venues he's lined up: hopefully that won't cause a problem that can't be resolved so once the date is arranged I will PM the details to anyone who, like you, has shown an interest in attending. As far as I'm concerned, the more the merrier, so to speak. A poor choice of words, or perhaps not - dad wanted it to be a celebration. I wouldn't want to limit who came, I will need to check with John as well but anyone who feels they would like to attend is very welcome to as far as I'm concerned.
  4. Hi everyone, Some of you may remember me, but for those that don’t I’m redrobbo’s son. I have not posted or visited the forum for several years, and I don’t intend to post again, but after seeing this thread I had a couple of things I wanted to say and a request to make if I may please: Firstly, it is genuinely heart-warming beyond words to read all these kind messages about my dad, to see how many people’s lives he touched and just how much he meant to them. Thank you. I always knew how great a man he was, I fear he never realised how much he was loved and by how many, but hopefully he’s reading this thread now so he can see for himself. Secondly, for those wondering about how he died, I’m not going to go into details except to assure his friends that he wasn’t in pain, it was all over quite quickly, and his partner John was with him throughout. My deepest gratitude goes to John for that fact. Dad didn’t get much warning, but he knew he didn’t have long, so he made the most of the time he had left and he’s left a great many of us with an extra little top up of memories I’m sure we’ll all treasure. I also understand that Liz Donaghy who is mentioned in the newspaper article had spoken to my dad and told him he had been awarded the achievement certificate from the Labour party, I know learning that would have made him very, very happy and I’m so glad he knew about it before he went. My request: if anyone out there happens to have any photos or videos of my dad that you think I and the rest of the family might like, however recent or old they may be, perhaps you could post something in this thread and I’ll PM you an email address you can contact me on. I’m not activating my account to receive PMs but I should be able to send them. That’s all from me, but as I sign off here are some words from my dad: in his final moments, my dad said he wanted all his friends and family to know that he loved them all, very, very much. This means each and every one of you, I’m certain. Thanks all, Steve
  5. We're not saving £66/month/person. The majority of people aren't saving. Full article here
  6. Look at your probable 'worst case' - house prices fall 50% from their peak, so your £275k (IIRC) house ends up being worth £138k. But the more expensive house you probably wanted to buy has also fallen 50%, so lets say it went from £350k to £175k. You 'only' need to find 175-138 = £37k to buy it now, not the £75k you'd have needed a year ago. £37k is still a lot of money; people have forgotten that, but it's a hell of a lot less than £75k! Things clearly got out of hand recently; 'the norm' is being restored. The only people who are worse off with lower house prices are those who; - own several properties (i.e. they have a place to live and the rest are effectively investments) - bought at the peak and HAVE to sell at a loss At the last reckoning that describes/will describe less than 20% of the nation; so despite what the media might tell you, the vast, vast majority of the UK is better off with falling and cheaper prices; including the majority of homeowners. If you don't fall into those above categories, stop flapping.
  7. Never say never saxondale. I'm sure you have a price below which you would lose money on the property and don't want to go there at any cost, but if the market dictates that houses will become cheaper next year, you will do yourself no favours by ignoring potential options. There were plenty of people who "wouldn't" sell the last time we had a house price crash, and instead they ended up deeper into negative equity and in more financial difficulty when they eventually - for whatever reason - had to sell. I'm not saying you're in this postition, clearly it'll come down to personal circumstance, but never say never mate.
  8. Whereas just 2 months ago you were TELLING people to get on the housing market, and that the market was at "the point of change" but only you could see it... I think this is my favorite post of yours: (That was 10 weeks ago.) I understand that not finding a sale, despite being utterly convinced you're priced correctly is somewhat frustrating, but please don't make out you're whiter than white and haven't dished out [bad!] advice. And dropping to the levels of being so petty about the definition of "know" is just plain silly; I'm sure you're above that. This isn't a war guys.
  9. Phylis, you are correct; wages have increased. They certainly haven't increased 300% though, like house prices did. You may have missed it, but I pointed out that affordability (genuine meaning not the banks' foolish manipulation) needs to be restored, for long-term stability to be brought back into the housing market. That time after time proven affordability is when the average house price is in the region 3.5~4.5 x the average salary. If wages had gone up 300% along with the house prices, we wouldn't be in this situtaion, but they haven't so we are. If everone had their wages doubled overnight, no-one would be any richer; the 'increase' would simply be eaten up by inflation, you cannot create wealth like you suggest. Wage increases don't mean anything in themselves, it's all relative. P.S. For the record, we haven't moved "a couple of decades" since the 90sm it's only been the one.
  10. Nope. edit: Don't forget that the mean of 2.9% house price increase year on year is currently being affected by the bubble that is bursting. Prior to the bubble I believe the long term, post-war mean was ~2.2% (from memory so I may be slightly off). If you read the monthly Nationwide reports you will see them alter that number each update; whilst the current price index remains above the red line it'll go up slightly, once it drops below it'll drag the trendline down slightly. Extended periods either way (e.g. like the 'boom' that ended a year ago) will obviously introduce skew.
  11. [some] people think paying £1/4Million for a 3~4 bed semi, or £80k for an ex-council box on a not particularly nice estate is "normal"; it's not and it never has been. "Normal" is what prices were in the mid/late nineties; when genuine fundamentals such as affordability underpinned a realistic value for our houses. The last 10 years haven't been "normal", and we won't see such crazy ratios of house prices Vs earnings until we get greedy again and conveniently forget that fact, which almost certainly won't be within 5 years time. Outdated graph showing previous corrections in terms of average earnings. Typical stages & sentiment throughout a bubble generation and correction ...now compare that graph, and the long term mean line, with this one which tracks house prices. (It's a little small but it's the best up to date graph I could find which has both aspects.) - which stage do you think we are currently at?
  12. "Even"? You (and your IFA!) should realise this bubble is much bigger, and much worse; it has been fuelled by the typical speculation that causes bubbles AND a credit bubble providing further fuel for the fire. In the late 80s/early 90s the bubble took over 6 years to deflate. Full story; how does this crash compare to the 1990s. And now compare the last correction - which was devestating for many - to this bubble.
  13. The loss of the presents may/may not be covered by: - house insurance - car insurance - credit card insurance (if bought on one) Tell her to keep all the receipts; obvious perhaps, but might not be the first thing on her mind. Best of luck sorting it out.
  14. Not entirely, of course. But I trust their words more now than I did when the banks didn't understand what was coming. When in a hole, stop digging. They can't put a postive spin on the truth any more - everyone knows what's gone wrong. The banks are adjusting and waking up to what's happened; perhaps they are still being too optimistic, but I don't think so. I have said previously that it'll take until 2010~2012 to regain stability. Quite simply, it just won't be possible to go back where we wre 18 months ago. To allow this to happen again would be absolutely criminal; the nation and the world will watch, we will learn* fom our mistakes and blow the whistle if any sign of a repeat is on the cards (* = in the short term... I shall wait to see what the next 'bubble' will be. )
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