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Post by morph on Jan 15, 2009 18:45:49 GMT
It strikes me that people use the "Credit Crunch" words far too easily
If you take away the people that have been laid off, nearly everyone else should be better off now, what with taxes coming down, petrol coming down, price wars at the supermarkets, lower interest rates.
You have never had it so good!
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Post by mermaidsal on Jan 15, 2009 19:11:13 GMT
If you're old-fashioned enough to have everything paid for and never need credit, yep. The trouble is, most people in that position are retired and they need interest on their savings to live on...  |
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Post by blurtonboy66 on Jan 15, 2009 19:13:57 GMT
It strikes me that people use the "Credit Crunch" words far too easily If you take away the people that have been laid off, nearly everyone else should be better off now, what with taxes coming down, petrol coming down, price wars at the supermarkets, lower interest rates. You have never had it so good! Why don't you try telling wedgwoods and jcb employees that  |
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Post by stokielegend on Jan 15, 2009 19:14:44 GMT
Beat me to it as usual blurtonboy66
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Post by rocket88 on Jan 15, 2009 19:15:01 GMT
If you're old-fashioned enough to have everything paid for and never need credit, yep. The trouble is, most people in that position are retired and they need interest on their savings to live on... Evening Sal.    ;D |
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Post by blurtonboy66 on Jan 15, 2009 19:16:38 GMT
Beat me to it as usual blurtonboy66 How at stokielegend |
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Post by stokielegend on Jan 15, 2009 19:18:45 GMT
sound ta matey, hows you?
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Post by blurtonboy66 on Jan 15, 2009 19:20:24 GMT
Not bad mate,only got 4 hours at work 2moz then off for 4 days plus its payday ;D
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Post by stokielegend on Jan 15, 2009 19:22:18 GMT
only got 1 more day at school then weekend  playing footy on sunday for me team and i play under 16's but im only 14 and a defender ( i play aaard ) |
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Post by morph on Jan 15, 2009 20:50:51 GMT
like i said if you take away the people that have been laid off, you should have spare money now.
obviously the people with CC debts etc,may be struggling but thats problem for living the high life on other peoples money
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Post by powchirper on Jan 15, 2009 21:05:30 GMT
prices dont seem to be coming down at Morrisons, eg, my tin of sild was 75p this then shot up to 99p when they jumped on the high oil price band wagon, went yesterday and was expecting them to have dropped back to their normal price, but no, the thieving bastards at Morrisons in Leek had actualy put the fuckers up to £1.04 ..........work that one out.  |
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Post by BuzzB on Jan 15, 2009 23:13:46 GMT
have the lower interest rates benefited Joe Public?
Certainly haven't helped me in any way.
Anyone...................??
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Post by Deleted on Jan 15, 2009 23:54:39 GMT
It strikes me that people use the "Credit Crunch" words far too easily If you take away the people that have been laid off, nearly everyone else should be better off now, what with taxes coming down, petrol coming down, price wars at the supermarkets, lower interest rates. You have never had it so good! Are you on about these long term unemployed people who have everything paid for? They are the people who have had it easy. Well those days are gone. Gordon is cracking down these long term dole folk???????? |
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Post by swampySCFC on Jan 15, 2009 23:56:49 GMT
Wait till you get yer fucking heating bills this quarter  |
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Post by Deleted on Jan 16, 2009 0:04:51 GMT
Wait till you get yer fucking heating bills this quarter To be fair swampy, we had a new combi boiler last summer and with prices going up and due to this cold global warming snap our bill is down Get yer sen a energy A rating combi bolier. |
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Post by powchirper on Jan 16, 2009 0:12:34 GMT
Whay about my fish |
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Post by swampySCFC on Jan 16, 2009 0:12:34 GMT
Wait till you get yer fucking heating bills this quarter To be fair swampy, we had a new combi boiler last summer and with prices going up and due to this cold global warming snap our bill is down Get yer sen a energy A rating combi bolier. How much is it mate. A few gas bills worth Id wager |
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Post by rocket88 on Jan 16, 2009 0:22:00 GMT
We've got a combi but the price of gas & keeping the house warm is bloody horriffic. ;D |
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Post by Deleted on Jan 16, 2009 12:51:26 GMT
have the lower interest rates benefited Joe Public? Certainly haven't helped me in any way. Anyone...................?? My fixed rate mortgage ends on 28 Feb and reverts to C&G's standard variable rate. C&G have passed on all the interest cuts to date so my mortgage will go from £450 per month to £290 at the current rate. My tenants give me £500 a month so I'm quids in ;D ;D  |
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Post by st0kecity on Jan 16, 2009 12:56:38 GMT
If you're old-fashioned enough to have everything paid for and never need credit, yep. The trouble is, most people in that position are retired and they need interest on their savings to live on... When I was a kid my mother always drummed into me that if you couldn't afford it you didn't have it. She flatly refused to use catalogues or credit for that reason. Husband is much the same. It stuck really, and aside from the mortgage we have no real debt. |
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Post by rocket88 on Jan 16, 2009 21:24:16 GMT
If you're old-fashioned enough to have everything paid for and never need credit, yep. The trouble is, most people in that position are retired and they need interest on their savings to live on... When I was a kid my mother always drummed into me that if you couldn't afford it you didn't have it. She flatly refused to use catalogues or credit for that reason. Husband is much the same. It stuck really, and aside from the mortgage we have no real debt. Bob on duck. ;D |
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Post by mumf14 on Jan 16, 2009 22:36:20 GMT
The recession has effected all industries and also a broad cross section of society.The area it affects most is always manufacturing and those who work in it.Stoke -on- Trent has suffered worse than most due to the nature of the manufacturing industries it has.
As for older people relying on their interest as a source of income....well unless you have an amount of money in excess of £ 300,000 in wouldn't exactly get you very far anyway.Infact even if you could get 4% interest from a few months back you still would onlty receive an annual return of £12,000.
A better more long term invesment is property.If for example you bought three council houses for £160,000 total cost and charged a rent of £ 100 per week then the rent would bring you in £ 15,600( Before tax -unearned income is charged at higher rate).
The experience I have is that if you deal directly with the high earners of societies ladder, then your business has hardly suffered whatsover...but this is a very small percentage of the overall picture.Luckily our Ildas business is absolutely bouncing and she cannot cope with the demand of new business.
In view of the dire situation globally on the economic front, I would without doubt have to commend Gordon Brown for his fantastic lead in trying to pump more money into British infra-structure and therefore hopefully stimulate the Britsh economy back into the black.I have no doubt that he his has the necessary experience and wisdom to lead this country forward in the coming two or three years.
The only thing I can see looming that will dent his popularity, is the building of the next Olympic games in London due to the massive outlay of public funding this project will now need as private investment and sponsorship is likely to diminish due to the economic downturn.When we won this bid for the games of course no one expected the full extent of the looming crisis that now faces us,but no doubt the Toiries will seek to gain political capital from this one issue.
As for the recession itself ...well in my opinion it is going to be far longer and deeper than most economists initially suggested ,although many are now changing their original estimates to two years and beyond.I would tend to agree with this revised estimate, but in doing so it doesn't exactly help those who are sadly losing their jobs, and in some cases will never work again if they are 45 years or over.
And now for the good news...
Stoke are in The Premiership and we have the Best Manager in Living memory in charge..!
FANBLOODYTASTIC.
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Post by rocket88 on Jan 16, 2009 22:43:38 GMT
The recession has effected all industries and also a broad cross section of society.The area it affects most is always manufacturing and those who work in it.Stoke -on- Trent has suffered worse than most due to the nature of the manufacturing industries it has. As for older people relying on their interest as a source of income....well unless you have an amount of money in excess of £ 300,000 in wouldn't exactly get you very far anyway.Infact even if you could get 4% interest from a few months back you still would onlty receive an annual return of £12,000. A better more long term invesment is property.If for example you bought three council houses for £160,000 total cost and charged a rent of £ 100 per week then the rent would bring you in £ 15,600( Before tax -unearned income is charged at higher rate). The experience I have is that if you deal directly with the high earners of societies ladder, then your business has hardly suffered whatsover...but this is a very small percentage of the overall picture.Luckily our Ildas business is absolutely bouncing and she cannot cope with the demand of new business. In view of the dire situation globally on the economic front, I would without doubt have to commend Gordon Brown for his fantastic lead in trying to pump more money into British infra-structure and therefore hopefully stimulate the Britsh economy back into the black.I have no doubt that he his has the necessary experience and wisdom to lead this country forward in the coming two or three years. The only thing I can see looming that will dent his popularity, is the building of the next Olympic games in London due to the massive outlay of public funding this project will now need as private investment and sponsorship is likely to diminish due to the economic downturn.When we won this bid for the games of course no one expected the full extent of the looming crisis that now faces us,but no doubt the Toiries will seek to gain political capital from this one issue. As for the recession itself ...well in my opinion it is going to be far longer and deeper than most economists initially suggested ,although many are now changing their original estimates to two years and beyond.I would tend to agree with this revised estimate, but in doing so it doesn't exactly help those who are sadly losing their jobs, and in some cases will never work again if they are 45 years or over. And now for the good news... Stoke are in The Premiership and we have the Best Manager in Living memory in charge..! FANBLOODYTASTIC. Class! ;D GOooooooaaaarrrrrnnnnnnn STOKE!!!!!!! |
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;D
