I don't do credit. If I can't pay for it I don't get it.
I don't do credit. If I can't pay for it I don't get it.
Regards,
Grant .... ؠ ......Don't be such a big girl's blouse
I've said it before and I'll say it again: democracy simply-doesn't-work.... ..... ...... ...... ................... ..... ..... ..... ..... .....
FIIO K7 BT, M11 PLUS, BTR7, KA5 - OPPO BDP-103D - PANASONIC UB450 - PANASONIC 4K ULTRA HD TV - PIXEL 6 - AVANTREE LR BLUETOOTH - 2* X600 SOUNDCORE - HEADPHONES INCLUDE, FIIO, NURAPHONES', FOCAL, OPPO, BOSE, CAMBRIDGE, BOWER & WILKINS, DEVIALET, MARSHALL, SONY, MITCHELL & JOHNSTON - 2*ZBOOK'S- MERCURY BD ROM, ROON, QOBUZ, TIDAL, PLEX, CYBERLINK, JRIVER - MULTI HDD'S -
Oh my god! There's nothing wrong with the bidet is there?
“Nothing discloses real character like the use of power. It is easy for the weak to be gentle. Most people can bear adversity. But if you wish to know what a man really is, give him power. This is the supreme test. It is the glory of Lincoln that, having almost absolute power, he never abused it, except on the side of mercy".
“You see these dictators on their pedestals, surrounded by the bayonets of their soldiers and the truncheons of their police ... yet in their hearts there is unspoken fear. They are afraid of words and thoughts: words spoken abroad, thoughts stirring at home -- all the more powerful because forbidden -- terrify them. A little mouse of thought appears in the room, and even the mightiest potentates are thrown into panic.”
"You don't have free will. You have the appearance of free will.”
“There's a war out there, old friend. A world war. And it's not about who's got the most bullets. It's about who controls the information. What we see and hear, how we work, what we think... it's all about the information!”
***SMILE, BE HAPPY***
Main System
Turntable: Heavily-modified Technics SL-1210MK5G [Mike New bearing/ETP platter/Paul Hynes SR7 PSU & reg mods]. Funk Firm APM Achromat/Nagaoka GL-601 Crystal Record Weight/Isonoe feet & boots/Ortofon RS-212D/Denon DL-103GL in Denon PCL-300 headshell with Funk Firm Houdini/Kondo SL-115 pure-silver cartridge leads.
Paul Hynes MC head amp/SR5 PSU. Also modded Lentek head amp/Denon AU-310 SUT.
Other Cartridges: Nippon Columbia (NOS 1987) Denon DL-103. USA-made Shure SC35C with NOS stylus. Goldring G820 with NOS stylus. Shure M55E with NOS stylus.
CD Player: Audiocom-modified Sony X-777ES/DAS-R1 DAC.
Tape Deck: Tandberg TCD 310, fully restored and recalibrated as new, by RDE, plus upgraded with heads from the TCD-420a. Also with matching TM4 Norway microphones.
Preamps: Heavily-modified Croft Charisma-X. LDR Stereo Coffee. Power Amps: Tube Distinctions Copper Amp fitted with Tungsol KT-150s. Quad 306.
Cables & Sundries: Mark Grant HDX1 interconnects and digital coaxial cable, plus Mark Grant 6mm UP-LCOFC Van Damme speaker cable. MCRU 'Ultimate' mains leads. Lehmann clone headphone amp with vintage Koss PRO-4AAA headphones.
Tube Distinctions digital noise filter. VPI HW16.5 record cleaning machine.
Speakers: Tannoy 15MGs in Lockwood cabinets with modified crossovers. 1967 Celestion Ditton 15.
Protect your HUMAN RIGHTS and REFUSE ANY *MANDATORY* VACCINE FOR COVID-19!
Also **SAY NO** to unjust 'vaccine passports' or certificates, which are totally incompatible with a FREE society!!!
Location: gone away
Posts: 4,870
I'm joe.
I don't know anyone like that (getting into serious debt, living beyond their means). Maybe I move in the wrong circles.
Or: if you owe the bank a thousand pounds, you've got a problem. If you owe the bank a million pounds, the bank's got a problem.
Main System
Turntable: Heavily-modified Technics SL-1210MK5G [Mike New bearing/ETP platter/Paul Hynes SR7 PSU & reg mods]. Funk Firm APM Achromat/Nagaoka GL-601 Crystal Record Weight/Isonoe feet & boots/Ortofon RS-212D/Denon DL-103GL in Denon PCL-300 headshell with Funk Firm Houdini/Kondo SL-115 pure-silver cartridge leads.
Paul Hynes MC head amp/SR5 PSU. Also modded Lentek head amp/Denon AU-310 SUT.
Other Cartridges: Nippon Columbia (NOS 1987) Denon DL-103. USA-made Shure SC35C with NOS stylus. Goldring G820 with NOS stylus. Shure M55E with NOS stylus.
CD Player: Audiocom-modified Sony X-777ES/DAS-R1 DAC.
Tape Deck: Tandberg TCD 310, fully restored and recalibrated as new, by RDE, plus upgraded with heads from the TCD-420a. Also with matching TM4 Norway microphones.
Preamps: Heavily-modified Croft Charisma-X. LDR Stereo Coffee. Power Amps: Tube Distinctions Copper Amp fitted with Tungsol KT-150s. Quad 306.
Cables & Sundries: Mark Grant HDX1 interconnects and digital coaxial cable, plus Mark Grant 6mm UP-LCOFC Van Damme speaker cable. MCRU 'Ultimate' mains leads. Lehmann clone headphone amp with vintage Koss PRO-4AAA headphones.
Tube Distinctions digital noise filter. VPI HW16.5 record cleaning machine.
Speakers: Tannoy 15MGs in Lockwood cabinets with modified crossovers. 1967 Celestion Ditton 15.
Protect your HUMAN RIGHTS and REFUSE ANY *MANDATORY* VACCINE FOR COVID-19!
Also **SAY NO** to unjust 'vaccine passports' or certificates, which are totally incompatible with a FREE society!!!
Known a few. It can creep up on you and before you know it your in shit. Then you try to get out of it or something shitty happens and you get deeper into it.
Houses are a big potential disaster financially for some
Regards,
Grant .... ؠ ......Don't be such a big girl's blouse
I've said it before and I'll say it again: democracy simply-doesn't-work.... ..... ...... ...... ................... ..... ..... ..... ..... .....
FIIO K7 BT, M11 PLUS, BTR7, KA5 - OPPO BDP-103D - PANASONIC UB450 - PANASONIC 4K ULTRA HD TV - PIXEL 6 - AVANTREE LR BLUETOOTH - 2* X600 SOUNDCORE - HEADPHONES INCLUDE, FIIO, NURAPHONES', FOCAL, OPPO, BOSE, CAMBRIDGE, BOWER & WILKINS, DEVIALET, MARSHALL, SONY, MITCHELL & JOHNSTON - 2*ZBOOK'S- MERCURY BD ROM, ROON, QOBUZ, TIDAL, PLEX, CYBERLINK, JRIVER - MULTI HDD'S -
Oh my god! There's nothing wrong with the bidet is there?
“Nothing discloses real character like the use of power. It is easy for the weak to be gentle. Most people can bear adversity. But if you wish to know what a man really is, give him power. This is the supreme test. It is the glory of Lincoln that, having almost absolute power, he never abused it, except on the side of mercy".
“You see these dictators on their pedestals, surrounded by the bayonets of their soldiers and the truncheons of their police ... yet in their hearts there is unspoken fear. They are afraid of words and thoughts: words spoken abroad, thoughts stirring at home -- all the more powerful because forbidden -- terrify them. A little mouse of thought appears in the room, and even the mightiest potentates are thrown into panic.”
"You don't have free will. You have the appearance of free will.”
“There's a war out there, old friend. A world war. And it's not about who's got the most bullets. It's about who controls the information. What we see and hear, how we work, what we think... it's all about the information!”
***SMILE, BE HAPPY***
Main System
Turntable: Heavily-modified Technics SL-1210MK5G [Mike New bearing/ETP platter/Paul Hynes SR7 PSU & reg mods]. Funk Firm APM Achromat/Nagaoka GL-601 Crystal Record Weight/Isonoe feet & boots/Ortofon RS-212D/Denon DL-103GL in Denon PCL-300 headshell with Funk Firm Houdini/Kondo SL-115 pure-silver cartridge leads.
Paul Hynes MC head amp/SR5 PSU. Also modded Lentek head amp/Denon AU-310 SUT.
Other Cartridges: Nippon Columbia (NOS 1987) Denon DL-103. USA-made Shure SC35C with NOS stylus. Goldring G820 with NOS stylus. Shure M55E with NOS stylus.
CD Player: Audiocom-modified Sony X-777ES/DAS-R1 DAC.
Tape Deck: Tandberg TCD 310, fully restored and recalibrated as new, by RDE, plus upgraded with heads from the TCD-420a. Also with matching TM4 Norway microphones.
Preamps: Heavily-modified Croft Charisma-X. LDR Stereo Coffee. Power Amps: Tube Distinctions Copper Amp fitted with Tungsol KT-150s. Quad 306.
Cables & Sundries: Mark Grant HDX1 interconnects and digital coaxial cable, plus Mark Grant 6mm UP-LCOFC Van Damme speaker cable. MCRU 'Ultimate' mains leads. Lehmann clone headphone amp with vintage Koss PRO-4AAA headphones.
Tube Distinctions digital noise filter. VPI HW16.5 record cleaning machine.
Speakers: Tannoy 15MGs in Lockwood cabinets with modified crossovers. 1967 Celestion Ditton 15.
Protect your HUMAN RIGHTS and REFUSE ANY *MANDATORY* VACCINE FOR COVID-19!
Also **SAY NO** to unjust 'vaccine passports' or certificates, which are totally incompatible with a FREE society!!!
Main System
Turntable: Heavily-modified Technics SL-1210MK5G [Mike New bearing/ETP platter/Paul Hynes SR7 PSU & reg mods]. Funk Firm APM Achromat/Nagaoka GL-601 Crystal Record Weight/Isonoe feet & boots/Ortofon RS-212D/Denon DL-103GL in Denon PCL-300 headshell with Funk Firm Houdini/Kondo SL-115 pure-silver cartridge leads.
Paul Hynes MC head amp/SR5 PSU. Also modded Lentek head amp/Denon AU-310 SUT.
Other Cartridges: Nippon Columbia (NOS 1987) Denon DL-103. USA-made Shure SC35C with NOS stylus. Goldring G820 with NOS stylus. Shure M55E with NOS stylus.
CD Player: Audiocom-modified Sony X-777ES/DAS-R1 DAC.
Tape Deck: Tandberg TCD 310, fully restored and recalibrated as new, by RDE, plus upgraded with heads from the TCD-420a. Also with matching TM4 Norway microphones.
Preamps: Heavily-modified Croft Charisma-X. LDR Stereo Coffee. Power Amps: Tube Distinctions Copper Amp fitted with Tungsol KT-150s. Quad 306.
Cables & Sundries: Mark Grant HDX1 interconnects and digital coaxial cable, plus Mark Grant 6mm UP-LCOFC Van Damme speaker cable. MCRU 'Ultimate' mains leads. Lehmann clone headphone amp with vintage Koss PRO-4AAA headphones.
Tube Distinctions digital noise filter. VPI HW16.5 record cleaning machine.
Speakers: Tannoy 15MGs in Lockwood cabinets with modified crossovers. 1967 Celestion Ditton 15.
Protect your HUMAN RIGHTS and REFUSE ANY *MANDATORY* VACCINE FOR COVID-19!
Also **SAY NO** to unjust 'vaccine passports' or certificates, which are totally incompatible with a FREE society!!!
Well if you look at property today an averages house price is around £220k I believe, I knows it’s a lot less up North and more in the SE, however I can give a good example of why it is harder today to get on the property ladder, ignoring the lenders imposed rules making it hard to get a mortgage.
When we got married we just managed to buy a 1 bed Barretts flat, I was 25 and earned £9k/year, and Sue earns about £5k. The flat cost us £28.5k. We had to have 2.5 times the higher earnings plus the lower one for the max mortgage available to us was £27.5k, we put down £2k, and fees were £500.
A one bed flat in the same area today is around £180k, frightening. So that’s roughly 6.5 times more. So based on the someone with 2 years experience as a junior programmer today should be earning £58.5k and the lady earning £32.5k. Unfortunately that will not be the case, someone in a similar permanent role as I did would be lucky to get £40k, and in the role my wife did locally it would be about £18k, not the expected £32.5k.
So what does this tell us, basically salaries have been suppressed in the UK over the last 35 years by round 35%. This is not true in the rest of Europe Danish nephews, two of which are in IT, are earning between around £70k to £80k, one has 2 years experience and the other 3, neither are particularly specialist or skilled. There partners both have straight forward office jobs but are each earning £30-35k, so their salaries have kept pace as you would expect. They have just both purchased houses for around £300k, and they can because they earn enough.
By the way my Danish brother in law earned about £2k more than me in 1984 as a assistant production manager in a small factory.
So in my view the problems we have stem from from serious issues in the current day salaries of people in the UK today. I wonder why this has come about?
Listening is the act of aural discrimination and dissemination of sound, and accepting you get it wrong sometimes.
Analog Inputs: Pro-Ject Signature 10 TT & arm, Benz Micro LP-S, Michel Cusis MC, Goldring 2500 and Ortofon Rondo Blue cartridges, Hitachi FT5500 mk2 Tuner
Digital:- Marantz SA-KI Pearl CD player, RaspberryPi/HifiBerry Digi+ Pro, Buffalo NAS Drive
Amplification:- AudioValve Sunilda phono stage, Krell KSP-7B pre-amp, Krell KSA-80 power amp
Output: Wilson Benesch Vector speakers, KLH Ultimate One Headphones
Cables: Tellurium Q Ultra Black II RCA & Chord Epic 2 RCA, various speaker leads, & links
I think I am nearing audio nirvana, but don’t tell anyone.
Budgeting. Greatest financial aid to staying solvent. Rather think that might be a word than many younger people would have to look up in a dictionary.' judging by my daughters.
However, if you've nothing to budget with you're truly in the mire.
A saying that's stayed with me for yonks is 'it ain't what you earn; it's what you spend'. Like many here, and Marco as stated, I run up credit card bills, often in the upper hundreds each month but direct debit pays it off in full. I love credit cards; you have a receipt record which can be matched to your statement and fifty or more days' grace to amass the funds to pay it. Best financial invention ever, providing you avail yourself only of its advantages.