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Thread: Women Hifi owners...

  1. #221
    Join Date: Feb 2013

    Location: W Lothian

    Posts: 99,005
    I'm Grant.

    Default

    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***

  2. #222
    Join Date: Jan 2008

    Location: Wrexham, North Wales, UK

    Posts: 110,012
    I'm AudioAl'sArbiterForPISHANTO.

    Default

    Quote Originally Posted by Macca View Post
    Well yes they exist and I guess in sizeable numbers, I was just disagreeing with the notion that they are 'the majority'.

    Also you know the saying - that a man who owes ten thousand pounds to the bank lives in a shack eating baked beans whilst a man who owes a million pounds to the bank lives in a mansion eating caviar.

    Those number probably need to be adjusted for inflation now.
    Yup, defo

    Marco.
    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!!!


  3. #223
    Join Date: May 2009

    Location: gone away

    Posts: 4,870
    I'm joe.

    Default

    Quote Originally Posted by Macca View Post
    Well yes they exist and I guess in sizeable numbers, I was just disagreeing with the notion that they are 'the majority'.
    I don't know anyone like that (getting into serious debt, living beyond their means). Maybe I move in the wrong circles.

    Quote Originally Posted by Macca View Post
    Also you know the saying - that a man who owes ten thousand pounds to the bank lives in a shack eating baked beans whilst a man who owes a million pounds to the bank lives in a mansion eating caviar.

    Those number probably need to be adjusted for inflation now.
    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.

  4. #224
    Join Date: Jan 2008

    Location: Wrexham, North Wales, UK

    Posts: 110,012
    I'm AudioAl'sArbiterForPISHANTO.

    Default

    Quote Originally Posted by struth View Post
    I don't do credit. If I can't pay for it I don't get it.
    Same here, mate. We use credit cards sometimes, simply because it's often advantageous to do so, but they're always paid off in full at the end of each month, so that no interest is accrued. We have zero debts and only spend money we have earned.

    Marco.
    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!!!


  5. #225
    Join Date: Feb 2013

    Location: W Lothian

    Posts: 99,005
    I'm Grant.

    Default

    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***

  6. #226
    Join Date: Jan 2008

    Location: Wrexham, North Wales, UK

    Posts: 110,012
    I'm AudioAl'sArbiterForPISHANTO.

    Default

    Quote Originally Posted by Joe View Post
    I don't know anyone like that (getting into serious debt, living beyond their means). Maybe I move in the wrong circles.
    You don't have to *know* anyone like that to acknowledge reality. There's plenty of evidence of such all around you, if you care to look.

    Marco.
    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!!!


  7. #227
    Join Date: Jan 2008

    Location: Wrexham, North Wales, UK

    Posts: 110,012
    I'm AudioAl'sArbiterForPISHANTO.

    Default

    Quote Originally Posted by struth View Post
    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
    Yup, especially young folks trying to get onto the property ladder. It must be horrendous.

    Marco.
    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!!!


  8. #228
    Join Date: Apr 2012

    Location: N E Kent

    Posts: 51,624
    I'm Geoff.

    Default

    Quote Originally Posted by struth View Post
    I don't do credit. If I can't pay for it I don't get it.
    Same here. Can't think of anything I'd borrow money for anyway.
    It is impossible for anything digital to sound analogue, because it isn't analogue!

  9. #229
    Join Date: Nov 2011

    Location: Seaton, Devon, UK

    Posts: 13,240
    I'm Adrian.

    Default

    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.

  10. #230
    Join Date: Jan 2008

    Location: Norwich

    Posts: 1,064
    I'm Mike.

    Default

    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.

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