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Everything posted by wibblywobbly

  1. A block of flats oops sorry executive apartments at the bottom of my road Note the 1 board that has 5 numbers attached below Some of these up for mid to late £70k One I saw in the auctions sold in Dec 2006 for £180k when new and wouldn't reach reserve of £85k (ouch) The white board on the corner is advertising parking spaces for sale as its got underground parking, I am led believe if you wanted an extra parking bay (back in the day) they where £10k each. There are more boards all around the property its just that these where gathered nicely here. Bevan Court Warrington
  2. I am a Windows XP, Linux (ubuntu) and Mac OSX user and managed to run 3 drives with a boot manager on one PC Mac OSX really stable check out the osx86 project in google or search in youtube for Hackintosh 3 pcs in one no longer going to replace the Mac. In hackintosh mode my PC benchmarks 2% faster than my friends similar spec Mac.
  3. Slightly off topic, I was confronted by a police officer and was amazed at how this chap had become a policeman, he was not a tall gent and of very slight build, he actually looked to me as if he was wearing his dad's uniform, but it was his manner that got me riled, he had is don't mess with me swagger on full, chewing gum and staring people down, walking and staring directly at me so I am afraid I picked up the guantlet and refused to deviate and stared him straight down and past. It was only after he had gone that I thought back to my misguided youth and having my collar felt, that the bo
  4. I am a discharged bankrupt, and whilst going through the bankruptcy mill, met a few debt collectors most were just people going about their job, others were just trying bullying scare tactics. Two such rather large gents arrived one day in a very menacing mode and demanded entry to remove my property ( I had met them on the path and locked the door behind me) when I refused they claimed they could break in and take it which they can't, when they realised that their size and manner was not going to intimidate me.. they got a form out and said they had to make a list of valuable property that we
  5. As far as email goes look at encryption Life hacker email encryption or google email encryption
  6. I am sure I read somewhere back in the last crash that if you made an offer on a property that the agent has to legally submit it to the seller, or am I entirely incorrect.... anybody any idea.
  7. Can the banking system actually shut up shop, there must be some regulation against this, surely.
  8. I sit and wait for those once a year bargains to pop along, always one if you keep your eyes and ears open, Seven weeks ago bought a P reg Micra automatic, "oooh" I hear you say 66k miles 9 months tax and Mot for £150.00 cause the guy wanted it off his drive, so I made really low offer as you should with all cars and houses, by doing this in the last few years I have actually made money on cars or broke even for the first time in 23years of driving.
  9. A friend of mine is the director of a drawing office company in the capital, and is saying all the projects are being pulled due to the credit crunch has had to lay off a quarter of the work force since the new year, it would seem that the backers are pulling the plug on these buildings scheduled to be built in the next year or two. I live in Warrington and at the bottom of the road there is a "luxury apartment" new build one of them has just gone back on the market at £99k and I was told by one of the developers employees that the cheapest that they sold one for was £125k, also numbers 1-4 h
  10. My views on credit have certainly been changed both in receiving and extending credit. I now won't give anybody any goods that I produce without payment in full, and have no intentions to change that situation in the short term and do lose out on a lot of work from it, but in my previous business It used to happen that a limited company went into liquidation from time to time and as you say a certain amount of risk was taken which results in some defaults. The nature of my business now is digital design and I cannot actually get those goods returned for non-payment, once they have a copy they
  11. With hindsight it was the best thing that happened to me out of the whole episode, but I can guarantee you it doesn't look like that on the way in. I am still self employed and nobody gets credit, I work from a loft conversion at home and live a simpler and more fulfilling life not chasing megabucks, the complete opposite of my former self. I still get offered credit but don't take it up. As long as I can feed the wife and kids and keep a roof over us, I'm happy! Bankruptcy was for me an education and a reality leveller.
  12. I am a discharged bankrupt, It all started within my business back in 2000, I was running a business and employed 4 people. It was my own own fault I extended too much credit to a client that I had dealt with for approx 5 years without a hitch until late into 1999. In the January of 2000 I got the letter to say that they had gone into administration, seeing as these monies weren't forthcoming I knew before I had finished reading the letter that I had no choice but to close the doors and lay off my staff. I was naively trading as a sole trader and not limited company and therefore was not prot
  13. Threads that go "bump" in the night Crazy Coffins
  14. My first Post here goes... During the mid to late 80's I bought a 3 bed Terrace for £14k and sold for £26.5k due to relationship break up, I then started to rent. Then in '89 at the peak, a friend of mine bought a 3 bed Terraced for 43.5k and advised me that I didn't get on the ladder then I would never ever get on and would rent always. My response was that if you remove a price of something from the masses sooner or later a correction has to come about to allow you to sell your goods to that mass market. He didn't agree. 8.5 years later, I bought a house on the same block, same layout, sa
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