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dandandan

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About dandandan

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  1. one of Italy's problems as i see it is similar to Greece, in the south they tend to pay cash, and not have bank accounts or pay tax properly. that and the local councils frequently mislay funds for things. there was a big scandal a few years back where all the money to service the roads went missing, as well as the minister for that particular project. what is interesting is who Italy is in debt to, a handy graphic of all the euro countries shows that France is well and truly screwed if Italy go down, which in my opinion is why they haven't already, and probably wont in the future unless the
  2. doesn't this tie in with the Alt-A mortgage resets? seem to remember a graph where they were all coming up for renewal around October, so add 3 months before a foreclosure notice and you get to now.
  3. unfortunatly classic car insurance wont cover someone under 23 and in most cases 25. they are also very restrictive if you dont have off street parking and its your only car. that said when i bought mine (mk1 escort) it cost 750quid fully comp and i was 23. that went down to 250 2 years ago (im 29 now). there are big downsides though, i didnt build up a no claims bonus, was restricted to 7000 miles a year and was not covered for commuting. it meant when i got a 'normal' car i was still stung on insurance. classic cars are cheaper even if you have to go on a regular policy but your looking at
  4. surely if the price of bread did anything it would rise.... ok i'll get me coat
  5. to go back to the OP, when i first moved to london about 8 years ago, i was earning 14k pre tax (about 970 a month after tax). i lived in a shared house with some mates and it cost 550 a month incl bills, it cost 90 a month in transport to and from work. i had to make sacrifices (didnt buy clothes, or eat out too much) but still really enjoyed myself, still went on big nights out, went to a lot of gigs and went snowboarding at the end of the year... i didnt do weekend breaks or fancy meals, i had no phone contract (payg) etc. i now earn quite a bit more and thanks to sharing with my girlfrien
  6. Almost forgot about this thread Well not a lot has happened in the passing months, other than pretty much every family gathering has involved me telling people i’m not interested in buying until I can buy a place without taking a massive risk with my finances and that being set by a reasonable multiple of my income. I feel quite fortunate that most of my family have a basic grasp of maths and can see it really doesn’t make any sense for me to over stretch and that the current market is not as it seems. There is little or no choice of houses out there, there hasn’t been for a long while now.
  7. it does sound a little far fetched to me, but then i wouldnt mind having a go on her cupcakes either
  8. i do think we're just waiting in limbo, but i put that down to the looming election. following it and the inevitable tax hikes i dont see the possibility for any sort of recovery. my money is on a japan style lost decade only worse as we dont have they're manufacturing export base. or do as i have and get a pre jan 73 car and pay no tax at all, whatever engine it has
  9. sand all the flaking paint off, and then paint it with PVA glue, let it dry and paint over the top with normal emultion. should last a few years. ive done this in a place i lived in before and it worked well enough
  10. having seen the provisional budget for next year im not expecting a pay rise. we didnt get one last year either, although they did reduce our hours as a reward... not that they reduced the work load to go with it, we now do 37.5 hours a week (down from 40) and still get no paid overtime. ive already draughted my resignation letter pending a pay rise next year. been here 2 years and for over half that time ive been banging on about savings i know they could make (totaling 100k in that time) and they have barely bothered to listen, if they can afford to piss the money up the wall on that they c
  11. erm... so a survey by a company that sells security services says shops need to be more secure.... not saying its not happening but hardly an un-biased source is it
  12. another month and not a great deal.. a few EAs calling just to check I'm still looking, i repeat the same requirements and get the standard reply of 'thats fairly restrictive, I'm sure our brokers can find you a bigger mortgage, houses are selling fast etc etc' fair enough but i cant be bothered any more. i look on rightmove and the decent properties are; too expensive and still for sale, crap and in a bad area and not sold, or very nice in a nice area and go to offers within a month or so and eventually sold. there is money out there buying houses, but there just isn't enough supply of good s
  13. fantastic. thanks guys. already saved me a stack of cash with rent renewals. not to mention one of the things that stopped me buying a house.. cheers
  14. Cheers for the input guys. always interesting to hear more anecdotal stuff Another month has past, and we've really decided that come rent renewal (march next year) we'll move area, most probably further north east (still in London) the current plan is to try and find somewhere in a not too shabby area, 1bed flat for around 800-900pcm which might be a tall order but I think it’s possible. be around south/west Hampstead probably closer to Kilburn, not the best but then no worse than where we are now. Regardless of what happens with house prices we still don’t have enough for a comfortable de
  15. I've had many debate with people about this. when i was growing up all my friends played instruments, were in bands etc (including myself). the group of guys that stayed in my home town are still there or around the area and they still play. they've won unsigned awards and don't make a bad sound, but have never and probably never will make any decent money from it. but 2 years ago they set up their own label to put music out, found other bands and collectively they try to get more bands music out there... sure if they could make money it would be a bonus, but its their passionate hobby, and t
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