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manuel

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Everything posted by manuel

  1. Yes prices can come down. But just for perspective, the 2007 peak/crash in houseprices was a huge thing apparently. House prices in my street are at least 30% higher than then. If houseprices drop dramatically the country goes into meltdown, and nobody wants that, so there would be a pretty fast recovery. It's only really good if you have the money as a first time buyer/investor at the right time. Yes your ltv may go down but probably temporarily and you are paying it off all the time. The only real downer is if interest rates go skyrocketing AND the value of your house falls. Then you have to get a lodger
  2. manuel

    F1

    Most interesting was button going by one of the torro rossos in a corner and being absolutely destroyed on the next short straight bit. I think alonso did make a good decision mid to long term.
  3. manuel

    F1

    I'd have preferred Kimi, but anyone beating merc on pace is awesome. And lewis beat Rosberg (the total bellend) so all good.
  4. manuel

    F1

    I'm cheering for vettel. I feel weird.
  5. Agree We started out at 15% with a view to adding %ltv by improving with some hard graft. Remortgaged with a revalue to go up the ladder on ltv. With prices going up and rental being fairly similar to mortgage on a higher rate, you can always buy a place and save while you are in there, neutralising the house price rise?
  6. manuel

    F1

    So you burn a couple engines per race weekend and by the second half of the season you have a boss engine and stop having grid drops? Seems like win win.
  7. manuel

    F1

    How do the penalties work on PU replacements ? Might be better for macca / everyone else to just burn through them in free practice / quali to get up to Mercedes ?
  8. manuel

    F1

    to be honest I actually doubt that merc are doing it - it's unlikely to give them a second a lap ? and whilst they are in front they are unlikely to risk it all on getting more illegally ? It seems that it's more likely the teams trying to catch up would go for it.
  9. manuel

    F1

    The rules specifically ban accumulation after the meter. They are just trying to find a way to police it... I agree though that f1 is all about taking the rules as far as they can go, but as soon as someone finds a grey area or gains a big advantage somewhere the FIA usually make a change to try and level it up. Think EBD, F-Duct and even FRIC.
  10. manuel

    F1

    Ah, but if they are actually doing this accumulation of fuel it is actually cheating.
  11. That Volvo Cannondale....
  12. Just to clarify, you mean borrow more for a deposit on a new place, set against your current home ?
  13. 5%+ is a shitload these days... I've been lucky in that our first couple of house buying efforts fell through @5.75%, but then the rates dropped so I did 2 years at just over 4% and now I'm on around 3% for 5. We played a gambling game that we could bang enough value into the house over the first 2 years that we could go up a band in LTV, so as to reduce the costs or keep things similar if rates went up. We bought our wee victorian terrace at £185k revalued after 2 years to £210k (which I actually thought was pushing it!). Things in my area just went nuts though and the smaller house next door just sold for close to £295k and one a few down (similar size) just sold fast on at £340k which is just insane. So possibly over 50% up in under 4 years ? (Not sure that's a good thing) We have 158k mortgage at around £670/month. For perspective next door rents for £950 and is a shithole.
  14. This thread is just like the bad old days.
  15. I'd like to in the summer. But I really do suck.
  16. I rode my bike yesterday. I suck But it was great being out there.
  17. manuel

    Films!?

    There is a point at which there is a fade to white. That's a good ending. Then there's this extra 15minutes tacked on to explain/resolve things in the future/past/whatever that are just lame.
  18. manuel

    Films!?

    Didn't like the second ending....
  19. Yeah this happens. I've ridden so rarely in the last year that I've lost it. The oddest feeling is riding past spots and remembering stuff that I've done in the past for video. I know I've done it but I can't actually work out how. Like the memory is now of watching someone else do it, and it's impossible again. /makesnosense
  20. Doubt it. Those mounts are tight as hell.
  21. I think I prefer with a boot lid to without?
  22. The way down is even more insane than up!!!
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