vfr Posted November 19, 2007 Share Posted November 19, 2007 We all know we are deep in it. We all know......and yet the commentary needs now to switch to the after effects of the storm about to hit. What is the nitty gitty of outcome?. I don't think I know yet but I do know that flexibility is the key to weathering the storm . 1. What do you expect and what have you done so far? 2. And how will you mitigate your losses? myself, I continue in business and despite the ups and downs intend to duck and dive , bob and weave, reinvent and work bl**dy hard to ensure my family and I will not be affected. I expect the unexpected and at the same time am driving for success. but to mitigate my losses I have done the following Down sized to reduce the money pit of property commercial and home. Gone for city living (castle walls and all that) taken out smaller but more prestigous offices. on the look out for different opportunities. started making contacts across a broader than usual spectrum outside my usual business. bought some agri- land . Current long term outlook I have reduced from 1 year to three months on any business deal. reduced business cashflows maximum three months ahead. Offices -renting , easy in easy out. maximum three months notice, was 12. Any deals must be turned around within 3 months with my exposure down to 30% of any deal. was up to 9 and 50% Reduction in employed staff. outsourcing/contracting now 65%, no notice. Employment of Entreprenarial staff with financial commitment. no Overdraft or credit Long term investments . gold, commodity portfolio. tightening of credit terms offered.. increased discount for quick payment. started to attach a cost to what were free services and added value. reduced customer reponse times Intereste dto hear what others are doing/have done, share ideas etc. Quote Link to comment Share on other sites More sharing options...
slurms mackenzie Posted November 19, 2007 Share Posted November 19, 2007 Bought a big bag of skag and an alarm clock set to go off in 2011 see you on the other side. Quote Link to comment Share on other sites More sharing options...
right_freds_dead Posted November 19, 2007 Share Posted November 19, 2007 1. What do you expect and what have you done so far?2. And how will you mitigate your losses? myself, I continue in business and despite the ups and downs intend to duck and dive , bob and weave, reinvent and work bl**dy hard to ensure my family and I will not be affected. lets hope your not in the same business as people like me cos im desperate and ill be cutting prices to a mere scent of a working profit if i have to, and i have no family to feed and no loans to pay off. i only have a van and a dog. and even that can catch rabbits and the van can deliver...... you might be able to bob and weave but can you stop a bullet ? Quote Link to comment Share on other sites More sharing options...
Its time to buy Posted November 19, 2007 Share Posted November 19, 2007 You lot are the lucky ones. Some wont know until it until it smacks them in the face. > middle class, heavy debt loads, keeping up with the jones. Some will slip beneath the radar and wont be worse off > stay on benefits Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 We all know we are deep in it. We all know......and yet the commentary needs now to switch to the after effects of the storm about to hit. What is the nitty gitty of outcome?. I don't think I know yet but I do know that flexibility is the key to weathering the storm . 1. What do you expect and what have you done so far? 2. And how will you mitigate your losses? myself, I continue in business and despite the ups and downs intend to duck and dive , bob and weave, reinvent and work bl**dy hard to ensure my family and I will not be affected. I expect the unexpected and at the same time am driving for success. but to mitigate my losses I have done the following Down sized to reduce the money pit of property commercial and home. Gone for city living (castle walls and all that) taken out smaller but more prestigous offices. on the look out for different opportunities. started making contacts across a broader than usual spectrum outside my usual business. bought some agri- land . Current long term outlook I have reduced from 1 year to three months on any business deal. reduced business cashflows maximum three months ahead. Offices -renting , easy in easy out. maximum three months notice, was 12. Any deals must be turned around within 3 months with my exposure down to 30% of any deal. was up to 9 and 50% Reduction in employed staff. outsourcing/contracting now 65%, no notice. Employment of Entreprenarial staff with financial commitment. no Overdraft or credit Long term investments . gold, commodity portfolio. tightening of credit terms offered.. increased discount for quick payment. started to attach a cost to what were free services and added value. reduced customer reponse times Intereste dto hear what others are doing/have done, share ideas etc. Major energy and water efficiency drive round the house. Combined gas, water and electric bill less than £900 a year Cycle or bus to work. Potenital to slim down to 1 vehicle if necessary. Can always use street car for emergencies etc. Doing some extra contract work b4 it dries up. Paying equivalent of 0.5% extra capital off mortgage each month. Built up 11K debt on 0% credit cards - money invested in 5.8% ISA Cut food bill by 30% switching to home prepared food. Ripped out useless shrubs in garden and replaced with hazel, apple, pear and plum trees, and 2 grape vines - should be productive in 3 years! polished off my air guns and learning to like wood pigeon again - my garden is infested! If things get really desperate there are about 10,000 bunnies in the field near me - Im sure the farmer wont mind a few for the pot! Mapped out all the productive sweet chestnut, hazel, elderberry, wild cherry, mushroom patches, blackberry, sloe and damson bushes in the locality. Basically household could survive for several years on a 1 mcjob or shelf stacking in the local tescos Quote Link to comment Share on other sites More sharing options...
right_freds_dead Posted November 19, 2007 Share Posted November 19, 2007 (edited) Major energy and water efficiency drive round the house. Combined gas, water and electric bill less than £900 a yearCycle or bus to work. Potenital to slim down to 1 vehicle if necessary. Can always use street car for emergencies etc. Doing some extra contract work b4 it dries up. Paying equivalent of 0.5% extra capital off mortgage each month. Built up 11K debt on 0% credit cards - money invested in 5.8% ISA Cut food bill by 30% switching to home prepared food. Ripped out useless shrubs in garden and replaced with hazel, apple, pear and plum trees, and 2 grape vines - should be productive in 3 years! polished off my air guns and learning to like wood pigeon again - my garden is infested! If things get really desperate there are about 10,000 bunnies in the field near me - Im sure the farmer wont mind a few for the pot! Mapped out all the productive sweet chestnut, hazel, elderberry, wild cherry, mushroom patches, blackberry, sloe and damson bushes in the locality. Basically household could survive for several years on a 1 mcjob or shelf stacking in the local tescos you got to ask yourself if the family can survive WITHOUT the tesco or mcjob, these jobs will be held by former rocket scientists. and still no one would buy a mcburger as they would also be eating freshy shot woodpidgeon. also you wont be able to selll your house, car, furniture cos no one else will have any money for anything other than food and fuel. [cue groove armada sound track] specially stewed blackburn moor wild rabbit with freshly pinched russet potatoes, drizzled with a rich rabbits blood gravy. served on a bed of crisp layers of wood pidgeon beaks: ...this isnt just food...this is DOWN & OUT food...... Edited November 19, 2007 by right_freds_dead Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 You lot are the lucky ones.Some wont know until it until it smacks them in the face. > middle class, heavy debt loads, keeping up with the jones. Some will slip beneath the radar and wont be worse off > stay on benefits We are the informed ones - the survivors - the Phoenixes who will rise from the wreckage of Browns Miracle economy. I bet in 20 years most of us will be BTL millionaires BTW I love that picture Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 you got to ask yourself if the family can survive WITHOUT the tesco or mcjob, these jobs will be held by former rocket scientists. and still no one would buy a mcburger as they would also be eating freshy shot woodpidgeon. also you wont be able to selll your house, car, furniture cos no one else will have any money for anything other than food and fuel.[cue groove armada sound track] specially stewed blackburn moor wild rabbit with freshly pinched russet potatoes, drizzled with a rich rabbits blood gravy. served on a bed of crisp layers of wood pidgeon beaks: ...this isnt just food...this is DOWN & OUT food...... Phew - thats a relief - my real name is Werner Von Braun Quote Link to comment Share on other sites More sharing options...
jps Posted November 19, 2007 Share Posted November 19, 2007 Hi, My friends and I are staying in a shared rented house, though all in our 30s. We figure when prices fall we'll be in a perfect position. Also we have such a great house for the money as the market is saturated with lovely rented houses. J Quote Link to comment Share on other sites More sharing options...
scuuzeme Posted November 19, 2007 Share Posted November 19, 2007 you got to ask yourself if the family can survive WITHOUT the tesco or mcjob, these jobs will be held by former rocket scientists. and still no one would buy a mcburger as they would also be eating freshy shot woodpidgeon. also you wont be able to selll your house, car, furniture cos no one else will have any money for anything other than food and fuel.[cue groove armada sound track] specially stewed blackburn moor wild rabbit with freshly pinched russet potatoes, drizzled with a rich rabbits blood gravy. served on a bed of crisp layers of wood pidgeon beaks: ...this isnt just food...this is DOWN & OUT food...... You forgot the squirrels ... Quote Link to comment Share on other sites More sharing options...
scuuzeme Posted November 19, 2007 Share Posted November 19, 2007 Oh, I forgot to add that in the last HPC when my sister couldn't get rid of her house for *any* money once she'd had to move elsewhere, the tenants she was forced to let to built an entire .... Rabbit farm in the garden! To be honest, times were quite hard back then, as I young man I found work very hard to get at all, let alone something 1/2 decent. I distinctly remember walking round a south london warehouse with a big hammer, smacking f*ck out of the dexion racking and shouting "I spent 4 f*cking years doing an engineering degree to get to do this sh*t job, FFFFS". Lovely place to work, syringes in the yard, people bottled in the street outside in the middle of the day, live ammo dumped on the pavement, people running into the showroom lifting what they could and just legging it. The best one was the guys who came in pointing a shotgun at us and took all of a couple of hundred from the till (though the ones that broke in through the roof were perhaps more inventive). Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 You forgot the squirrels ... Never tried squirrel but thinking about it they probably taste pretty good - all them acorns and beech masts they feed on Im almosted tempted to give it try......... Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 Never tried squirrel but thinking about it they probably taste pretty good - all them acorns and beech masts they feed onIm almosted tempted to give it try......... I used to live near the Norfolk Coast. 2 mile walk to the beach and you could rake for cockles. Fukk it - there was a seal colony aswell- one of those would fill the freezer for months Quote Link to comment Share on other sites More sharing options...
scuuzeme Posted November 19, 2007 Share Posted November 19, 2007 Never tried squirrel but thinking about it they probably taste pretty good - all them acorns and beech masts they feed onIm almosted tempted to give it try......... I have, not good. Though there are those that would disagree, I'm told. In any case, they're bloody hard to shoot being fairly canny wee beasties (In the country at least. In London they're cheekier than the rats, probably because they have fluffy rather than scaly tails so people think they're cute even if they are rats in trees. They're not even British, god damn it. Bloody immigrants ) Quote Link to comment Share on other sites More sharing options...
The Ayatollah Buggeri Posted November 19, 2007 Share Posted November 19, 2007 Squirrel melts. Quote Link to comment Share on other sites More sharing options...
narco Posted November 19, 2007 Share Posted November 19, 2007 If you have savings, you buy this... If you have no savings, you buy this... Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 I have, not good. Though there are those that would disagree, I'm told. In any case, they're bloody hard to shoot being fairly canny wee beasties (In the country at least. In London they're cheekier than the rats, probably because they have fluffy rather than scaly tails so people think they're cute even if they are rats in trees. They're not even British, god damn it. Bloody immigrants ) In what way chewy - perhaps they need a long tender cook thats all. Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 (edited) I have, not good. Though there are those that would disagree, I'm told. In any case, they're bloody hard to shoot being fairly canny wee beasties (In the country at least. In London they're cheekier than the rats, probably because they have fluffy rather than scaly tails so people think they're cute even if they are rats in trees. They're not even British, god damn it. Bloody immigrants ) sorry - double post BTW - liked the redneck mum - she was quite cute Edited November 19, 2007 by Kurt Barlow Quote Link to comment Share on other sites More sharing options...
TimG Posted November 19, 2007 Share Posted November 19, 2007 I have, not good. Though there are those that would disagree, I'm told. In any case, they're bloody hard to shoot being fairly canny wee beasties (In the country at least. In London they're cheekier than the rats, probably because they have fluffy rather than scaly tails so people think they're cute even if they are rats in trees. They're not even British, god damn it. Bloody immigrants ) Indeed. I would not want to eat game whose primary food source was my own refuse and detritus. Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 Indeed. I would not want to eat game whose primary food source was my own refuse and detritus. Round here its wholesome acorns and beechmasts Quote Link to comment Share on other sites More sharing options...
eightiesgirly Posted November 19, 2007 Share Posted November 19, 2007 Squirrel melts. Thanks for the recipe, sadly she doesn't say what's in the salad she's mixing in. But don't think I'll be having any soon, don't keep dogs anymore. Well won't miss skinning them, slippery little things. Quote Link to comment Share on other sites More sharing options...
scuuzeme Posted November 19, 2007 Share Posted November 19, 2007 Squirrel melts. Ahhhhh, how homely! (sarcasm tag ) Shotguns are cheating for tree rats though, and much harder to come by for the hard put and regulated UK recession forced family hunter-gatherer (Aside : I'm all in favour of firearm regulation in the UK, though the effectiveness does seem to be in doubt when any 14 year old seems to be able to get himself a handgun without too much effort or expenditure) Quote Link to comment Share on other sites More sharing options...
Converted Lurker Posted November 19, 2007 Share Posted November 19, 2007 Bought a big bag of skag and an alarm clock set to go off in 2011see you on the other side. Quality, now who said the 'sub prime guys' were on drugs? What's happening in 2011? If Rooney's coming back to Everton I'll join you Quote Link to comment Share on other sites More sharing options...
Kurt Barlow Posted November 19, 2007 Share Posted November 19, 2007 Ahhhhh, how homely! (sarcasm tag ) Shotguns are cheating for tree rats though, and much harder to come by for the hard put and regulated UK recession forced family hunter-gatherer (Aside : I'm all in favour of firearm regulation in the UK, though the effectiveness does seem to be in doubt when any 14 year old seems to be able to get himself a handgun without too much effort or expenditure) All these recession survival threads end in the same place - redneck county Perhaps Phil and Krustie could be commissioned to do a Location, location, location for HPC 'THis week Phil and I are looking for' A swamp Log cabin shotgun banjo cheque shirt retailer Quote Link to comment Share on other sites More sharing options...
Converted Lurker Posted November 19, 2007 Share Posted November 19, 2007 (edited) I used to live near the Norfolk Coast. 2 mile walk to the beach and you could rake for cockles. Fukk it - there was a seal colony aswell- one of those would fill the freezer for months Saw Fight Club was back on the box tonight, love it when Tyler Durden sells ar5e lard back to rich bitches as soap. Any need for seal soap? Not that they have fat arses, they're just blubber challenged with low self esteem Edited November 19, 2007 by Converted Lurker Quote Link to comment Share on other sites More sharing options...
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