You trying to tell me I've got 2 girls!! LOL!!! :D
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Originally Posted by daz h
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You trying to tell me I've got 2 girls!! LOL!!! :D
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Originally Posted by daz h
I know :o really busy this week, Jason Donovan Thursday night, work night out friday, justin timberlake saturday! :eek:Quote:
Originally Posted by daz h
:) well done derbyQuote:
Originally Posted by daz h
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Originally Posted by AllanT
Yeah...soz Allan...but I had a spot of bother with the financials with an ex...:(
And she doesn't even live in Sherwood Forest (...but I reckon she could afford to buy Nottingham Castle!) :(
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Originally Posted by Stick
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Originally Posted by daz h
:rolleyes: ...errr.... some of us girls can stand on our own two feet thank you very much :p
yes your special ;)Quote:
Originally Posted by OneHillWonder
Yep - with you there Daz (t'was 18 for me). Think maybe it's a generational thing...? Or are we (me) just too soft and/or are girls different...?Quote:
Originally Posted by daz h
he he...me too Brett. :D Just glad you're in the same boat.Quote:
Originally Posted by brett
Wish I'd met you 20 years ago Onehill!...you wouldn't like to give my (our ?) daughters some of your wisdom, philosophy and approach would you...:)Quote:
Originally Posted by OneHillWonder
Charnwood Hills race - Don't knock it!Quote:
Originally Posted by Stick
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Originally Posted by Stick
:D wish i had wisdom etc etc - more like complete stubborness and pig headedness. To be fair my old man was never soft on me, taught me that you can have whatever you want in life but you have to go and get it for yourself. :rolleyes:
Mind you I earn twice as much now as when I bought my house when I was 21 and still I am bloody skint all the time! :D
"I never had money problems until I had money..."Quote:
Originally Posted by OneHillWonder
Never borrow off my parents (always save), but the way housing is now, if I want a chance of getting enough for a mortgage on a decent property, then I'll have to stay at home and save for a while yet - as rent is astronomical too!!Quote:
Originally Posted by daz h
Well, one thing my eldest doesn't have a shortage of is pigheadedness and stubborness. I just can't imagine where she gets that from...:oQuote:
Originally Posted by OneHillWonder
:DQuote:
Originally Posted by dominion
Different topic gang...soz...I gotta bail out now. Lightweight I know but got a conference to go to 2moro and suppose to give a talk so better start to think about sleeping now..
Night night gang. Wish it were Friday eh!
time to drop this one in.... what if your daughter was pregnant??.....
A Fifteen year old single daughter tells her mother she thinks she's pregnant.
Very worried, the mother goes to the chemist and buys a pregnancy kit.
The test result shows that the girl is pregnant.
Shouting, cursing, crying, the mother demands, "Who was the pig that did this to you? I want to know!"
The girl picks up the phone and makes a call.
Half an hour later, a Ferrari stops in front of their house, a mature and distinguished man with grey hair, and impeccably dressed in an Armani suit, steps out of the Ferrari and enters the house.
He sits in the living room with the father, mother and the girl, and tells them: "Good morning. Your daughter has informed me of the problem. I can't marry her because of my personal family situation but I'll take charge? I will pay all costs and provide for your daughter for the rest of her life.
Additionally, if a girl is born I will bequeath her two retail stores, a townhouse, a country house and a $5,000,000 bank account...
If a boy is born, my legacy will be a couple of factories and a $10,000,000 bank account?
If twins, they will receive a factory and $5,000,000 each?
However, if there is a miscarriage, what do you suggest I do?"
At this point, the father, who had remained silent throughout, places a hand firmly on the man's shoulder and tells him: "You f*ck her again."
Allan thats shocking!
Morning kids!
Hump day, woooohooo
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Originally Posted by AllanT
so what :eek:
in the early nineties housing was as dear then
i remember signing up for a 38 grand mortgage and having a second job to support it
interest rates went up to 15 per cent and i was paying £699 a month then
all this talk of costs to high
you have just spent £4000 on a bike , throughout my apprenticeship i saved like billy ho , amanda did as well , and we put down about £ 6000 then as deposit
you would probably need £20,000 deposit now
well jobs are a plenty so get out there and get saving
my grandad moaned at the cost of his first house £ 200
my dad moaned at the cost of his first house £ 2,000
i moaned at the cost of our first house £ 38,000
my son will moan at the cost of his first house , £ 150,000
and his kids will prob moan as well
ask anyone on here and they will tell you its just life
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Originally Posted by daz h
Almost anyone....Quote:
Originally Posted by daz h
There are two key differences between now and the early nineties:
- firstly, the ratio of house prices to average incomes is far higher now than then. Prices now are 8x earnings, set to rise to 9.2x in 2011 (an average house price of £300k)
- secondly, in the early nineties inflation was much higher. This meant that annual pay rises rapidly eroded real mortgage payments.
Hope this helps...
:D Morning
its all a bit heavy going this for 8:30 in the morning isn't it!:D
:D erm.. yes
what shall we takl about instead :confused:
hmm the weather???:mad: ?
The fact its half way thru the week :D ?
My injury :mad: ?
I get my pay rise next week:D ?
How your decorating is coming along?
Are you going for a run today?
Or did you get a pressie for Willie Fogg??
Oooo pay rise - so what will you spend you extra money on? ;)
I got paid yesterday :D it makes me happy to have funds in my bank again (even if I will have spent it all by next week :rolleyes: )
No run today (finishing off assignments) and no decorating because I am just too busy (oh and i hate decorating) :o
Hmm probably soft furnishing and other related s***e for the new place!:mad:
I want some new forks for my mtb and some other bike type stuff but I should be a bit more sensible for the next few months!:rolleyes:
Oh and i have shell out 1700 quid for the solicitor and mortgage arrangement fee! :mad:
:rolleyes: it's all expense expense expense is moving house
and then once you're in... it's more expense expense expense :eek: Not that I am moaning, because i don't know what i would do if I didn't have my own place... well I would have to stop sitting on the kitchen floor in the dark listening to music at night and talking to myself and running around in my pants and stuff :o
Evening all ;)
Hi there. :)
On early arent you JJ :rolleyes: how are you this fine eveningQuote:
Originally Posted by Joliver Jim
oh & hows the frog :eek:
The frog is about to depart.Quote:
Originally Posted by Saints Lad
I'm fine.
Which one is you on your avatar?
Then I'll let you know how keen I am on it. ;)
Poor frog :confused:Quote:
Originally Posted by Joliver Jim
Im the one furthest to the left in the green & yellow vest ;)
You must have a closer shot than that!
thats from blackpool on sunday it was in the blackpool gazette :rolleyes:Quote:
Originally Posted by Joliver Jim
there you are how about that one :p
have you gone JJ
I was just putting food out and now I'm studying your avatar.
ah ok ive gotta go training now i will be back on later on 9pm ish ;)Quote:
Originally Posted by Joliver Jim
Well Daz, me spending £4000 on a bike is just like someone spending the same amount on a car - and it won't cost me much at all to run it.Quote:
Originally Posted by daz h
As for saving up for a deposit, well I have a second job and save most of my income - except for what I spend on bikes (which come out of the weekend pocket money job, and I've calculated into that. I'd already saved a heck of a lot before I bought my first bike, and I never buy on credit. I am actually very careful with my money, even though I may spend a lot on cycling, I don't waste it, not down the pub boozing it away like some people (who have still managed to get a mortgage). Technically I already have enough for a deposit, but I want to raise a lot more before committing. I also need to get myself sorted with a permanent job, but don't seem to be having much sucess with that, despite the excellent references I get from employers.
As for £150,000 for a first time buyers house, what are you living on cloud cuckoo land?? You would be lucky to get a shack over here for that much!! You can expect at least £190,000 for a first time buyers (ie government subsidised) house over here!!
Yes she is. I have no idea what she looks like but something tells me she's a babe :DQuote:
Originally Posted by daz h
hopefully not in a coffin box !!Quote:
Originally Posted by Joliver Jim
what the frog?? :eek:Quote:
Originally Posted by clodhopper
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Originally Posted by AllanT
yeah but its all tax free over there int it
theres a photo somewhereQuote:
Originally Posted by clodhopper
ask dominion , but yes very nice clodhopper
your to old mate though :eek: