bolty58 Posted February 9, 2024 Posted February 9, 2024 2 hours ago, tyldesley_white said: Got to remember that Colorado does share a boarder with New Mexico, easy mistake to make if you are as think as pigshit. Does the boarder spend half of his time in New Mexico and half in Colorado? Same rent in both? 'Think as pigshit'. Ironic comic genius. Quote
Not in Crawley Posted February 9, 2024 Posted February 9, 2024 1 minute ago, bolty58 said: Does the boarder spend half of his time in New Mexico and half in Colorado? Same rent in both? 'Think as pigshit'. Ironic comic genius. Yup. Numb as fuck. The belly might have taken over the brain, but he's always been a funny idiot. Quote
royal white Posted February 9, 2024 Posted February 9, 2024 17 minutes ago, Not in Crawley said: So again, boby, my take home each month (no state or anything) is 4.5k after tax (which is painful to pay) That's 2k on rent, 1k on CSA, bills another 800 and then car, pension etc it's insane that after they I've got around 400 quid free money a month - bit apparently I'm the super rich. That 'free money' is food and petrol. You need to earn that sort of money eve if you want to have half a decent life down here. Be better off driving an Uber up north. Quote
mickbrown Posted February 9, 2024 Posted February 9, 2024 28 minutes ago, bolty58 said: Does the boarder spend half of his time in New Mexico and half in Colorado? Same rent in both? 'Think as pigshit'. Ironic comic genius. You the only bloke allowed typos? Quote
BobyBrno Posted February 10, 2024 Posted February 10, 2024 9 hours ago, Not in Crawley said: That's the oddest post I've seen in a while. And I read Bolty's posts. Interest rates are up all over the world. Why do you find my post odd? Quote
BobyBrno Posted February 10, 2024 Posted February 10, 2024 11 hours ago, tyldesley_white said: if they had a mortgage then yes, if they got a new mortgage probably not but that's a personal choice (dont have to move house), same as buying a new car at high interest rates and then complaining, personnel choice. Same with my sister (I don’t have a mortgage) she only pays 2.75% as she fixed it before they went up. She’ll have paid it off before it changes. So the same as here for people with new deals. Quote
Spider Posted February 10, 2024 Posted February 10, 2024 Well I’m feeling better reading this Turns out we do live in a political utopia here after all. Just need Trump and the world peace happy gang in place and we can start reading poetry whilst playing finger cymbals 😍 Quote
gonzo Posted February 10, 2024 Posted February 10, 2024 12 hours ago, wanderer1984 said: If you have time ... Watch Peter Santenello's channel on YouTube. A great insight to those living in USA and how things have changed. He covers a lot of US states and cities and interviews a wide range of people from different backgrounds. I'll check it out. I was watching some stuff about various towns that are now desolate. Just empty schools and houses like theyve all just been abducted. Piles of shit just dumped there and left. All that Fentynal stuff is mad too, folk litterally queuing round the block like zombies in gaffs like Boltimore. Its a fucked up gaff the US. Its just too big. Like Russia really, they have some mad gaffs where theyre eating humans at the top of mountains bowling about with Mongolian Vultures Quote
kent_white Posted February 10, 2024 Posted February 10, 2024 13 hours ago, tyldesley_white said: if they had a mortgage then yes, if they got a new mortgage probably not but that's a personal choice (dont have to move house), same as buying a new car at high interest rates and then complaining, personnel choice. My mortgage has gone up £380 this month. Paying an extra 46% a month certainly wasn't my personnel (sic) choice. Quote
BobyBrno Posted February 10, 2024 Posted February 10, 2024 16 minutes ago, kent_white said: My mortgage has gone up £380 this month. Paying an extra 46% a month certainly wasn't my personnel (sic) choice. I think Tyldesley was alluding to the fact US mortgages are for much longer fixed term so not as many are as affected as here or elsewhere. It does affect new purchases though. My son has just gone through the same pain as you. He lives in Sydney. Quote
kent_white Posted February 10, 2024 Posted February 10, 2024 30 minutes ago, BobyBrno said: I think Tyldesley was alluding to the fact US mortgages are for much longer fixed term so not as many are as affected as here or elsewhere. It does affect new purchases though. My son has just gone through the same pain as you. He lives in Sydney. Ah OK. In that case Tyldesley, I apologise for being an arse! 😁 I thought you were on about us Brits! Quote
Cheese Posted February 10, 2024 Posted February 10, 2024 (edited) On 01/02/2024 at 11:54, Mounts Kipper said: Oh dear! Going well in Brussels. https://news.sky.com/story/fires-erupt-as-farmers-protest-outside-european-parliament-in-brussels-13061212 Oh dear! Going well in Dover. https://www.bbc.co.uk/news/uk-england-kent-68261249 Jeff Gibson told BBC Radio 4's Today programme that widespread anger felt by UK farmers meant it could "very easily escalate". He said trade deals agreed since Brexit had created an "utterly soul-destroying" situation. Edited February 10, 2024 by Cheese Quote
Mounts Kipper Posted February 10, 2024 Posted February 10, 2024 1 hour ago, Cheese said: Oh dear! Going well in Dover. https://www.bbc.co.uk/news/uk-england-kent-68261249 Jeff Gibson told BBC Radio 4's Today programme that widespread anger felt by UK farmers meant it could "very easily escalate". He said trade deals agreed since Brexit had created an "utterly soul-destroying" situation. Ha ha ha… 30 tractors in Dover 1000s of tractors right across Europe. Quote
Cheese Posted February 10, 2024 Posted February 10, 2024 19 minutes ago, Mounts Kipper said: Ha ha ha… 30 tractors in Dover 1000s of tractors right across Europe. He said protests by farmers in Europe had "shown us what can be accomplished and hopefully the government start taking notice". Mr Gibson said: "UK farmers are good at talking in the pubs and keeping quiet and complaining about how bad things are but we don't take action like European farmers." Quote
tyldesley_white Posted February 10, 2024 Posted February 10, 2024 2 hours ago, kent_white said: Ah OK. In that case Tyldesley, I apologise for being an arse! 😁 I thought you were on about us Brits! No worries, nearly all mortgages over here are fixed on the rate you took them out at, you can have a 15, 20 or 30 year mortgage. You can can also, if you can afford it pay bi-weekly which reduces the mortgage length (you pay 13 months instead of 12), in my case it knocks off about 13 months on an 15 year term. And if you say have taken a loan out say 7% there is nothing stopping you refinancing when the rate gats to say 3% and that will lock that in rate in the for the full term of the loan. Quote
frank_spencer Posted February 10, 2024 Posted February 10, 2024 6 hours ago, BobyBrno said: I think Tyldesley was alluding to the fact US mortgages are for much longer fixed term so not as many are as affected as here or elsewhere. It does affect new purchases though. My son has just gone through the same pain as you. He lives in Sydney. My brother is an estate agent in Sydney flogging the new build flats to Chinese folk to rent out. The mortgage hike hasn't stopped them fuckers. Still having yacht parties in the harbor and splashing the cash. Not jealous at all 😁 Quote
tyldesley_white Posted February 10, 2024 Posted February 10, 2024 32 minutes ago, frank_spencer said: My brother is an estate agent in Sydney flogging the new build flats to Chinese folk to rent out. The mortgage hike hasn't stopped them fuckers. Still having yacht parties in the harbor and splashing the cash. Not jealous at all 😁 Cant build houses quick enough here in Houston, the price of new build keeps going up before they start. They mainly start at 300k and up into the millions. Quote
Mounts Kipper Posted February 10, 2024 Posted February 10, 2024 5 hours ago, Cheese said: He said protests by farmers in Europe had "shown us what can be accomplished and hopefully the government start taking notice". Mr Gibson said: "UK farmers are good at talking in the pubs and keeping quiet and complaining about how bad things are but we don't take action like European farmers." The common denominator is the EU. Set of cunts. You love them though.🤣 Quote
Cheese Posted February 10, 2024 Posted February 10, 2024 1 hour ago, Mounts Kipper said: The common denominator is the EU. Set of cunts. How can the EU be affecting British Farmers? We left, and took back control, didn't we? Quote
Mounts Kipper Posted February 10, 2024 Posted February 10, 2024 (edited) 46 minutes ago, Cheese said: How can the EU be affecting British Farmers? We left, and took back control, didn't we? You are clueless…🤣 keep waving your silly flag 🇪🇺 Edited February 10, 2024 by Mounts Kipper Quote
Cheese Posted February 10, 2024 Posted February 10, 2024 1 minute ago, Mounts Kipper said: You are clueless…🤣 keep waving your silly flag 🇪🇺 Please explain how outside forces are damaging British farmers then. If you think about it a bit more, you might start to realise something. Never waved an EU flag in my life. Quote
kent_white Posted February 10, 2024 Posted February 10, 2024 7 hours ago, tyldesley_white said: No worries, nearly all mortgages over here are fixed on the rate you took them out at, you can have a 15, 20 or 30 year mortgage. You can can also, if you can afford it pay bi-weekly which reduces the mortgage length (you pay 13 months instead of 12), in my case it knocks off about 13 months on an 15 year term. And if you say have taken a loan out say 7% there is nothing stopping you refinancing when the rate gats to say 3% and that will lock that in rate in the for the full term of the loan. That sounds amazing to be fair! And a lot more balanced in favour of the consumer! Quote
jayjayoghani Posted February 11, 2024 Posted February 11, 2024 1 hour ago, kent_white said: That sounds amazing to be fair! And a lot more balanced in favour of the consumer! But perhaps not the banks. https://news.sky.com/story/labour-wants-25-year-fixed-rate-mortgages-to-become-common-in-the-uk-is-that-realistic-13053914 Quote
bolty58 Posted February 11, 2024 Posted February 11, 2024 21 hours ago, BobyBrno said: Interest rates are up all over the world. Why do you find my post odd? Corbynites find all rational thought odd. It's because they themselves are odd. Quote
bolty58 Posted February 11, 2024 Posted February 11, 2024 19 hours ago, gonzo said: All that Fentynal stuff is mad too, folk litterally queuing round the block like zombies in gaffs like Boltimore. S'all very flattering pal. Thank you. Quote
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