talkmagic.co.uk

by **Tomo** » Feb 14th, '09, 13:11

Farlsborough wrote:The amusing thing - and very annoying for some people I'm sure - is that despite being called the credit crunch it's the sensible or "successful" ones who have saved and invested that are losing money, not those living on credit (I realise it was credit that started the whole thing).

My cash is in Premium Bonds. Being tax free, the return is around 5% guaranteed, the capital is instantly accessible in case of emergencies, and it's fun to see if you've "won" reach month.

by **Lawrence** » Feb 15th, '09, 13:17

Agecroft wrote:So how has it really affected you if at all? Have you changed the way you behave towards your spending. Has your life style had to change? What has been the major impact and why?

In the last year I have got myself a £6500 paid rise and a 0% "mortgage".
Credit What!? That VAT change has had more of an affect on myself than anything!

by **Farlsborough** » Feb 15th, '09, 13:24

Lawrence wrote:In the last year I have got myself a 0% "mortgage".

Erm - how, pray tell...?! :shock:

by **RobMagic** » Feb 15th, '09, 18:45

yeah how did you manage that?

Nice one on the pay rise, I always think that there is work out there for people who are good enough and prepared to look for it.

by **Lawrence** » Feb 16th, '09, 13:19

Farlsborough wrote:
Lawrence wrote:In the last year I have got myself a 0% "mortgage".

Erm - how, pray tell...?!

Trust fund. Not mine, the lady's.

by **Lady of Mystery** » Feb 16th, '09, 13:48

Well my ISA's earning me less than my savings account and my mortgage is fixed at 5% so the interest rates aren't really helping me.

This time last year, I was part of a team of 5 at work. There's now only 2 of us left with the rest having been let go so it really is affecting some people, another of our friends has been put on a 3 day week because there isn't the work for him.

by **Chris** » Feb 16th, '09, 15:22

DELETED BY ME

by **kolm** » Feb 16th, '09, 15:28

Magic Chris wrote:.Ive got to pay £80 for a passport!!!! Ive lived here my whole life...If I was on benefits Id get one for free...although techically why would I need one if I was to poor to go on holiday lol

You need a passport as ID to start a job, so I guess it makes sense to not charge silly amounts to those on the dole

But then again, they shouldn't be charging silly amounts full stop :roll:

by **FairieSnuff** » Feb 16th, '09, 15:38

Magic Chris wrote:Congrats........

media hype

Indeed, the credit crunch doesnt exist...the people who are stuck for money are the ones who shouldnt have been given credit in the first place...Single parents who cant be arsed to work (i dont mean those trying to find work, genuinley) and people on the doll who apparently have injuries but can play footie withe kids at the park should not get credit, mobile phones and x-boxes and new cars..you always see them with dogs and animals etc...how they can afford this when they cant afford their own lives makes me laugh....so good the credit crunch is stopping people get houses etc etc....will teach the world a lesson...not to give hand outs to those who dont make effort..

weird though havnt you noticed how the shops have been busyier? in a time of doom and gloom and no money seems strange that everyones out spending...Ive got to pay £80 for a passport!!!! Ive lived here my whole life...If I was on benefits Id get one for free...although techically why would I need one if I was to poor to go on holiday lol

Sorry for the rant...but credit crunch my *rse....

(I hope knowone gets all offended by the above statement, I just hate society lol)

Well my ISA's earning me less than my savings account and my mortgage is fixed at 5% so the interest rates aren't really helping me.

seconded LM

OMG chris ... how flipping blind can you be?.... and yes i AM offended by your statement .... so your saying that anyone who is finding the crunch hard its their own fault ... nothing to do with the bankers being tw*ts ..... so everyone who has been laied off ie woolworths etc etc its their own fault.
You my dear are really really irritating me on this, i know people who have lost their jobs, why just because the company cant afford to employ them .... and no they dont have xboxes etc etc ..... the dole pays 60 odd quid a week for someone to live off, yes other benifits are available too, but take a long long time comming ..... how do you think some of these people without credit live on 60 quid a week?... hmmmmm

I agree there are some if not a lot of peeps who fit your description, but thats like me saying everyone who is called Chris is a pillock .... (ah well .... lol..)

Fairie

by **Mandrake** » Feb 16th, '09, 15:45

What a co-incidence! Did anyone see Jeremy Paxman on TV last night in the programme about the Victorians? That Society was deeply divided into the rich and affluent and the poor and dreadfully oppressed. The view from the lofty rich ones was that poverty was the pauper's fault and they needed to be shocked out of it - hence the workhouses. Similar sentiments are still seen today when our beloved Government refer to 'those who are less well off' as opposed to 'poor'. It would appear that 'well off' is the default setting these days and anything else is measured from that stance. No wonder the economy is screwed.

by **Tomo** » Feb 16th, '09, 15:45

Magic Chris wrote:Ive got to pay £80 for a passport!!!! Ive lived here my whole life...

Then don't get one. If you're really this right wing, why are you going abroad at all?

by **FairieSnuff** » Feb 16th, '09, 15:49

Mandrake wrote:What a co-incidence! Did anyone see Jeremy Paxman on TV last night in the programme about the Victorians? That Society was deeply divided into the rich and affluent and the poor and dreadfully oppressed. The view from the lofty rich ones was that poverty was the pauper's fault and they needed to be shocked out of it - hence the workhouses. Similar sentiments are still seen today when our beloved Government refer to 'those who are less well off' as opposed to 'poor'. It would appear that 'well off' is the default setting these days and anything else is measured from that stance. No wonder the economy is screwed.

Snap ... yes i watched it ....shows where Chris thinks he is eh ... rich and affluent .... lol...

Twas good though ... looking forward to next weeks too ...

F x

by **Beardy** » Feb 16th, '09, 16:44

FairieSnuff wrote:everyone who is called Chris is a pillock .... (ah well .... lol..)

Fairie

*cough*

by **FairieSnuff** » Feb 16th, '09, 16:46

Need to get that cough looked at matey .....

F x :lol:

by **Chris** » Feb 16th, '09, 16:47

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Real Effect of the Credit Crunch - for those with day jobs

Re: Real Effect of the Credit Crunch - for those with day jo

Re: Real Effect of the Credit Crunch - for those with day jo

Re: Real Effect of the Credit Crunch - for those with day jo

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