Lab 10,979 Posted November 23, 2015 Report Share Posted November 23, 2015 Ah well a decent debate but since nobody bothers to actually read what you write and they just keep gibber on......I'm out! 1 Quote Link to post Share on other sites
neems 2,406 Posted November 23, 2015 Report Share Posted November 23, 2015 Are we seriously saying that people get things with the full intention of having f***ing bailiffs rock up at the door every 5 minutes? Where are you getting this stuff from?.....it's f***ing nonsense ! It's great the amount of people out there who are landing big contracts and paying for all the kit they need in readies up front !!.......could have done with all my customers like that ! No,but some people are fuckking idiots and just buy because they can,especially people from my generation. I think they just give up,they'll struggle to ever afford a house or make anything through work they can't get for free, so just give up,I've known quite a few turn out like that. Quote Link to post Share on other sites
treecreeper 1,136 Posted November 23, 2015 Report Share Posted November 23, 2015 They can afford to buy but to me if your on decent money why buy a massive house over a long period, two new cars on tick,the best of everything....Personally I'd buy somewhere small and get it paid off, even if it takes ten years....have solid foundations! Now brand new cars on tick really is fecking stupid, by the time you've paid it off it's worth feck all at least with a house it's only going up in value while you pay it off. They dont have them on tick its hire lease same as rented house basically Quote Link to post Share on other sites
Tiercel 6,986 Posted November 23, 2015 Report Share Posted November 23, 2015 Lab, you get offered a big contact that will make you a lot of money. Do you say No, I do not have the capital for the outlay? Or do you go to the bank and borrow the investment you need? TC Quote Link to post Share on other sites
DIDO.1 22,856 Posted November 23, 2015 Report Share Posted November 23, 2015 My point is, there probably lads on here turning over in excess of a million quid......now that is f***ing hard graft and it can all get taken away at the stroke of a pen ! They were just running their business not spending beyond their mean and so what if they have a nice car on the drive, if they are grafting hard enough then why not ? It not being Charlie big bollocks, I personally hate those blokes who turn a nice few quid and are mean as f**k with it......they don't deserve money. Iv got to mates earning 100 grand each a year, I reckon if there was an economic cash tomorrow they would be in the shiit... I wouldn't feel sorry for em though...if I earned that I would of bought a house outright and put it in my kids name and I'd have a load of gold coins in my safe...if your taking a gamble always back up your bets. Saving enough to buy a house outright and put some gold coins aways while paying bills, rent etc all on 100 grand a year? Wish I had your money managment skills Buy a small flat,save,improve upon then sell the flat at a profit and buy a house/better flat in need of some work when you can and do the same. How can you be on £100k a year and not afford to buy a house? I'm on over 100 grand a year and have bought a few properties none of them outright though because I don't tend to have over 300 grand just sitting in the bank Then you're doing it wrong. You should make a profit on each sale to able to afford less debt each time you buy,preferably until you can buy outright and restore without borrowing anything. That link I put up says a house down the road recently sold for £27.5k. Selling a house? Are you fecking mad? 27.5k wouldn't buy a shed in the areas I've got property All the houses I own that me or my family don't live in are rented out. You really would have to be silly to sell a house unless you really had to, I've got 2 houses rented out at the minute and they bring in over a grand a month profit between them and they're sitting there waiting to be sold when the market seems right or I need a large injection of cash. Love it, the biggest left wing self righteous cnut on thl and he has a property empire! Your not euan Blair are you? 2 Quote Link to post Share on other sites
DIDO.1 22,856 Posted November 23, 2015 Report Share Posted November 23, 2015 11 pages and we havnt blamed the Muslims or the Jews!!!....,we're getting better! Quote Link to post Share on other sites
Lab 10,979 Posted November 23, 2015 Report Share Posted November 23, 2015 Lab, you get offered a big contact that will make you a lot of money. Do you say No, I do not have the capital for the outlay? Or do you go to the bank and borrow the investment you need? TC No idea why I'm bothering as you've obviously not read that other bits but here goes...... If I didn't have the capital id need to go to the bank.( nowhere have I said this is wrong previously). Before I went to the bank is need to iron out a deal with the client that I could be paid upfront for some materials, possibly working on a monthly basis arrangement. Then I'd need to speak to wholesalers who would allow me credit in accordance with how I will be paid for the job. If all the boxes are ticked I go to the bank and get a loan and get an agreement on paying it back. If all goes well I'm running a good profitable business, making money and hopefully employing people. If it all goes tits up then I'm up shit creek. The fact that I'm working hard and trying to earn a crust for me and my family is the main thing to me.....if you are shat on then it's not your fault. You can only do your best to either start again, pay back what you owe or change job and get yourself out a hole. In the event I had thousands of pounds of materials left then they would have to be returned..,,I wouldnt cry about it. 4 Quote Link to post Share on other sites
BGD 6,437 Posted November 23, 2015 Report Share Posted November 23, 2015 My point is, there probably lads on here turning over in excess of a million quid......now that is f***ing hard graft and it can all get taken away at the stroke of a pen ! They were just running their business not spending beyond their mean and so what if they have a nice car on the drive, if they are grafting hard enough then why not ? It not being Charlie big bollocks, I personally hate those blokes who turn a nice few quid and are mean as f**k with it......they don't deserve money. Iv got to mates earning 100 grand each a year, I reckon if there was an economic cash tomorrow they would be in the shiit... I wouldn't feel sorry for em though...if I earned that I would of bought a house outright and put it in my kids name and I'd have a load of gold coins in my safe...if your taking a gamble always back up your bets. Saving enough to buy a house outright and put some gold coins aways while paying bills, rent etc all on 100 grand a year? Wish I had your money managment skills Buy a small flat,save,improve upon then sell the flat at a profit and buy a house/better flat in need of some work when you can and do the same. How can you be on £100k a year and not afford to buy a house? I'm on over 100 grand a year and have bought a few properties none of them outright though because I don't tend to have over 300 grand just sitting in the bank Then you're doing it wrong. You should make a profit on each sale to able to afford less debt each time you buy,preferably until you can buy outright and restore without borrowing anything. That link I put up says a house down the road recently sold for £27.5k. Selling a house? Are you fecking mad? 27.5k wouldn't buy a shed in the areas I've got property All the houses I own that me or my family don't live in are rented out. You really would have to be silly to sell a house unless you really had to, I've got 2 houses rented out at the minute and they bring in over a grand a month profit between them and they're sitting there waiting to be sold when the market seems right or I need a large injection of cash. Love it, the biggest left wing self righteous cnut on thl and he has a property empire! Your not euan Blair are you? I decided a long time ago my family would never have to endure the poverty we lived in growing up again and the only way to achieve that is to play by the same rules as the capitalists. I'll happily hand over my property in the event of a communist revolution, just like I happily pay my taxes now and would happily pay even more to help the poorest in society. Socialism doesn't work on an individual scale, it's a system to run society as a whole living by socialist ideals in a capitalist society would doom me and my family to a life of poverty and exploitation by the capitalist class. Quote Link to post Share on other sites
paulus 26 Posted November 23, 2015 Report Share Posted November 23, 2015 anyone lend me a tenner Quote Link to post Share on other sites
walshie 2,804 Posted November 23, 2015 Report Share Posted November 23, 2015 I think out of the people likely to have the bailiffs round there are 3 types: 1: People who genuinely fall on hard times. I sympathise with these people. 2: Stupid people who don't think things through and have no contingency plans when things go tits up. I have limited sympathy for these people but still feel for them. 3: People who think the world owes them a living and buy their fags and booze first then if there's anything left over, pay their rent. They often go months without paying their rent, get evicted then rehoused. Zero sympathy for these leeches. Quote Link to post Share on other sites
walshie 2,804 Posted November 23, 2015 Report Share Posted November 23, 2015 anyone lend me a tenner Sure. £5 a month for 24 months. T&C apply. Quote Link to post Share on other sites
DIDO.1 22,856 Posted November 23, 2015 Report Share Posted November 23, 2015 My point is, there probably lads on here turning over in excess of a million quid......now that is f***ing hard graft and it can all get taken away at the stroke of a pen ! They were just running their business not spending beyond their mean and so what if they have a nice car on the drive, if they are grafting hard enough then why not ? It not being Charlie big bollocks, I personally hate those blokes who turn a nice few quid and are mean as f**k with it......they don't deserve money. Iv got to mates earning 100 grand each a year, I reckon if there was an economic cash tomorrow they would be in the shiit... I wouldn't feel sorry for em though...if I earned that I would of bought a house outright and put it in my kids name and I'd have a load of gold coins in my safe...if your taking a gamble always back up your bets. Saving enough to buy a house outright and put some gold coins aways while paying bills, rent etc all on 100 grand a year? Wish I had your money managment skills Buy a small flat,save,improve upon then sell the flat at a profit and buy a house/better flat in need of some work when you can and do the same. How can you be on £100k a year and not afford to buy a house? I'm on over 100 grand a year and have bought a few properties none of them outright though because I don't tend to have over 300 grand just sitting in the bank Then you're doing it wrong. You should make a profit on each sale to able to afford less debt each time you buy,preferably until you can buy outright and restore without borrowing anything. That link I put up says a house down the road recently sold for £27.5k. Selling a house? Are you fecking mad? 27.5k wouldn't buy a shed in the areas I've got property All the houses I own that me or my family don't live in are rented out. You really would have to be silly to sell a house unless you really had to, I've got 2 houses rented out at the minute and they bring in over a grand a month profit between them and they're sitting there waiting to be sold when the market seems right or I need a large injection of cash. Love it, the biggest left wing self righteous cnut on thl and he has a property empire! Your not euan Blair are you? I decided a long time ago my family would never have to endure the poverty we lived in growing up again and the only way to achieve that is to play by the same rules as the capitalists. I'll happily hand over my property in the event of a communist revolution, just like I happily pay my taxes now and would happily pay even more to help the poorest in society. Socialism doesn't work on an individual scale, it's a system to run society as a whole living by socialist ideals in a capitalist society would doom me and my family to a life of poverty and exploitation by the capitalist class. Fantastic. You would hand it all over after the revolution!!!! Sorry a I called you names. I love you dude. You are steadily taking your place among thl legends. Quote Link to post Share on other sites
mackay 3,580 Posted November 23, 2015 Report Share Posted November 23, 2015 It's only debt if you can't pay it. Quote Link to post Share on other sites
Tiercel 6,986 Posted November 23, 2015 Report Share Posted November 23, 2015 (edited) Lab, you get offered a big contact that will make you a lot of money. Do you say No, I do not have the capital for the outlay? Or do you go to the bank and borrow the investment you need? TC No idea why I'm bothering as you've obviously not read that other bits but here goes...... If I didn't have the capital id need to go to the bank.( nowhere have I said this is wrong previously). Before I went to the bank is need to iron out a deal with the client that I could be paid upfront for some materials, possibly working on a monthly basis arrangement. Then I'd need to speak to wholesalers who would allow me credit in accordance with how I will be paid for the job. If all the boxes are ticked I go to the bank and get a loan and get an agreement on paying it back. If all goes well I'm running a good profitable business, making money and hopefully employing people. If it all goes tits up then I'm up shit creek. The fact that I'm working hard and trying to earn a crust for me and my family is the main thing to me.....if you are shat on then it's not your fault. You can only do your best to either start again, pay back what you owe or change job and get yourself out a hole. In the event I had thousands of pounds of materials left then they would have to be returned..,,I wouldnt cry about it. I do admire your business sense, and you have taken every precaution you could possibly take to ensure all goes well. But as you stated it still could go "tits up" and that is the gamble. And when it does not pay off that is when people like yourself end up with bailiffs at the door through no fault of their own. So you owe the people that work for you money for wages, and owe suppliers for materials that you have used, but not been paid for, yet the people your contacted too have gone bust. That is not a fanciful scenario it happens every day. You cannot tell me that you would not feel that the system is unjust and want to tell the world so? TC Edited November 23, 2015 by tiercel 1 Quote Link to post Share on other sites
Lab 10,979 Posted November 23, 2015 Report Share Posted November 23, 2015 Lab, you get offered a big contact that will make you a lot of money. Do you say No, I do not have the capital for the outlay? Or do you go to the bank and borrow the investment you need? TC No idea why I'm bothering as you've obviously not read that other bits but here goes...... If I didn't have the capital id need to go to the bank.( nowhere have I said this is wrong previously). Before I went to the bank is need to iron out a deal with the client that I could be paid upfront for some materials, possibly working on a monthly basis arrangement. Then I'd need to speak to wholesalers who would allow me credit in accordance with how I will be paid for the job. If all the boxes are ticked I go to the bank and get a loan and get an agreement on paying it back. If all goes well I'm running a good profitable business, making money and hopefully employing people. If it all goes tits up then I'm up shit creek. The fact that I'm working hard and trying to earn a crust for me and my family is the main thing to me.....if you are shat on then it's not your fault. You can only do your best to either start again, pay back what you owe or change job and get yourself out a hole. In the event I had thousands of pounds of materials left then they would have to be returned..,,I wouldnt cry about it. I do admire your business sense, and you have taken every precaution you could possibly take to ensure all goes well. But as you stated it still could go "tits up" and that is the gamble. And when it does not pay off that is when people like yourself end up with bailiffs at the door through no fault of their own. So you owe the people that work for you money for wages, and owe suppliers for materials that you have used, but not been paid for, yet the people your contacted too have gone bust. That is not a fanciful scenario it happens every day. You cannot tell me that you would not feel that the system is unjust and want to tell the world so? TC Oh i know to well it happens mate. When my uncles company went bust I was down the tune of £2500 grand. I think Walshie summed it up with his post.....its number 3 I whole heartedly agree with. There's a huge difference between someone trying to make a better life from there family and someone getting handouts and pissing that money up the wall...?? 1 Quote Link to post Share on other sites
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