spuddog0507

Tell you what, i will sell you a 3 bed stone built farm house with attatched stone barn with 51 acres of land based in the ribble valley, open your bedroom curtains in the morn and your looking south on to Pendle hill looking north and you see Stocks res and the Gisburn forest, ok it needs money spending on it but its a 1.2-1.5 million pad when knocked in to one dwelling with 5/6 beds when finished, currently awaiting a grant of probate and the day its granted its for sale at 600K good investment for some one,

Where is here Devon ? there seem to be a lot of negative comments and thoughts on this, you moved from north of the border to Devon and i would say there is a big jump in house costs between the 2 locations, a 4/5 bed detached house with double integral garage around me would be around 380-400k but that is hardly a first time buyers property that is some thing you buy 15-20 yrs after getting on the ladder, you chose to make the move to Devon and i now taking it that you are saying you cant afford a house there as you say you are on the move again, so i have to ask why did you move there and not some where inbetween where you may be of been able to buy your own place ?,

No small chip sorry, but Bucks is worlds apart from west Yorkshire, i am not in west yorks and i thought there was nothing cheap around me that first time buyers could afford but i was wrong on that one, 2 bed flats on a estate just round corner from me over looking a field, river and a golf course for 120k,

FFS you must have a big spade as you dont half dig a big hole for yourself ! whats cleaver about buying a house, nothing, tens of millions of people have done it, And it was not for pennies, it was a big step for all of us, and dont think it was a walk in the park, because it wasnt, interest rates where sky high in the teens of % compared to the pittence rate today of 1-1.5%, You say millions on minimum wage low paid jobs is there ? well if anyone had anything about them they would try and better there selfs in life like millions of other people have done, You say every one of your generation got the deposit given, Bollox, my kids have both got there own homes and niether of them got any help with deposits and them 2 are not 30 yet so miles of your generation, they worked when they was at school collage and have saved hard to get the deposit together, they didnt piss it up every wk end or do weed n coke as they wanted to achieve something and what is wrong with that nothing ! So let me ask you when was the last time you took your accounts and your partners wage slips and sat down with a mortgage/financial adviser ? from what you have posted on this site about what you do with in the 4 buisness,s you have and what you charge for milled timber, obtaining a mortgage for you would be a doddle ? so 4 sets of books and wage slips on the table in front of a mortgage adviser ? so whats the problem ? You could buy your own property where you live for very little compared to other areas of the country and lets face it we all have to live with in our means ! renting a house is just dead money and all you are doing is lining some one elses pocket, To borrow a 100k over 25yrs and pay it back on a mortgage would be not much different to what your rent payment is and guess what you would own the property at the end thus leaving something for your children, a mortgage payment on say 100k over 25yrs would equate to at current interest rates of 1.5% would be £400 a month and that would be you purchasing your own property, your rent at present is probably more than that payment, so given how much you have said you charge for milled timber you would only need to sell one plank a week to pay the mortgage and own your own property, ?, You seem to have a big chip on you shoulder about this subject, BUT why, is there some under lying credit history that is stopping you from doing what millions of others have done, there is people i know in your generation that have worked hard and are now virtually mortgage free, so what went wrong with you ????, you make out on here you are earning tens of thousands but yet cant afford to but your own house but then again you can afford to pay some one rent,

Yes both my Daughters have done it and they are both still in there 20s and both have had no help from me or there mother as i know of, i think my Mum and the other Nana gave em about 1K each but that was for furnishings,

A mate of mine worked on oil rigs out off Brazil, all he did was 12hrs on 12hrs off he used to do months at a time on them rigs, not as if he could just nip home back to Selby for a few days, he used to go back to the main land now n then and stay in a hotel for a few nights and have a beer or 2, like he said he went out there to work and earn silly amounts then come back to the UK and buy a house or two,,

This might be a bit boring but its based on facts that i can remember, I bought a house in 1985 at a cost of 22.5k, at that time i was self employed on £3.50hr labouring for a builder, at this time a pint in the local was 70p a pint, so to put that in to perspective for the cost of my house would of been 32,000 pints of beer, i have just looked at what simular houses sell for today and i would be looking at around the 200k mark, i dont know what a average person earns today but i do know what ale costs and its getting close to a fiver today, so a 200k house would be 40,000 pints so something has changed ? this above is based on a simular property that i bought but there is 2 bedroom flats available for 120k which puts it in to a better perspective for todays first time buyers, Then there is several other things to take in to consideration which all add to the equation, if you run a car/van today the insurance when you have past your test is outragouse today at around 2-2.5k, my first van was at 17 and was a Bedford HA viva van and the insurance was £42 for the year and at that time it was just over a wks wage, So with todays youngsters paying stuppied amounts like that this will hamper saving, Then today we nearly all have a mobile phone in our pockets and this comes up on every expence sheet when applying for any sort of finance as today it is taken for granted that you have a phone and it is a expence, but back in the mid 80s mobiles where just about here but not many had them, if i wanted to make a call i had to find a Phone box and hope i had either a 2p or a 2 bob in my pocket, In our small town back in the 80s we only had 2 chippy.s and there was only one of them open after 7pm ,we had no Indians, Chinese, or Italian take away,s today we have 2 Indians, 3 Chinese, 5 Italian take aways and a subway plus many other day time take away,s and there is all ways some one in them, We dont have a Mcdonalds, Kentucky or Burger king as yet but what we do have is several ice cream parlours and sit in desert bars ! well thats what i call em, So to sum it up YES things have changed but i dont think someone in there 20s to buy there first property is out of reach by a long way, its just all the other costs they have that we did,nt back in the 80s/90s, when it comes to that expence sheet there will be a phone contract, car insurance, credit card, loans etc this lowers the chances of being able to qualify for a mortgage today, and with the expences they have today that are now taken for granted hampers saving for that deposit !, and then its like do they need to go and get a Pizza at 10pm eat half of it and bin the rest, No they dont, i used to get them when we got our first Pizza take away and i could,nt eat it all i did,nt bin it i took it to work day after for my dinner, I think its just the way the younger generation spend there money and its not wisely i am afraid, there is one saving they do make tho that my generation didnt and that is they dont buy records today or as my kids called them early versions of CDs i used to buy a couple every wk and they was about 75p a go, So i just think todays youngsters just have to much to spend there money on that we didnt have back when we was saving for houses,

I was about a year before you and paid 22.5k put 3k down which i had been saving since i was 14 chopping and selling kindling, but we have to remember what the interest rates where back then, i think 14% rings a bell not the 1.25 or 1.5% like there is today,

I dont know as i am not in that situation, but people do it, your £550 is what 1 wks wage so what do people do with the other 3 wks wage ?? i think it all boils down to how much you want it as if you do really want it its up to the individual to make it happen, there is ways and means of doing it,

Very much agree with that, i have been with one today on a shoot, been of work since Wed but made a very fast recovery when he got out of bed this morning, He has been out all day today and he was saying he might go back to work on monday but if i have 5 days off i 70% of my full pay, This guy boils my piss and many others,

That has been the norm for many years now, when i first took a property on back in the mid 80s it was 1 and a half wks wages for the mortgage payment, Back then a mortgage was based on 3 times your annual income, at that time there was no where near the same amount of rental property as there is today, but due to some people having the balls to take on buy to let mortgages and then having the forsight to get another then another and that then puts them in a very good buying position of just being able to buy one property after another, My argument has all ways been the same WHY pay rent and line some one elses pocket when for not much more outlay every month you can pay a mortgage and own the property yourself one day ??, i have never understood that one, I know people who are paying more in rent than they would be on a mortgage and lets face it with interest rates at a all time low its never been a better time to buy a property but then again most of the younger people cant get a mortgage but then again all the bloody houses they are building around me are sold before the paint has dried,

£15 hr is a fair rate for some but not for others, as Big J says some people need to stay away from a work site as they will never fit in, i have 1 guy who works with us and he does work, he can fell tree after tree all day but cant use a tape measure so some logs end up under size and that costs, if he is just on 2,5 mtr firewood its ok but not on saw logs, another guy i pay him well as i dont need to watch him or check anything its all done right, Back in the yard i pay lads £10 a IBC cage for splitting firewood one lad will do 2 + cages an hour and the other lad ( if he turns up ) when he gets there he just wants to arse about on his phone and struggles to do one an hour, he then complains that he has worked hard and he only got £40 for the day !! and the other lad gets £140, should i subsidise him the other £100 ? and me loose out NO he will just have to learn that in life you sometimes have to put some effort in to get the reward !! Some people will never understand how things work with in business, and the older i get the more i think some of the younger lads are just not worth entertaining,

Bit like that up here at the moment, heavy torrential rain monday morning then came out in the aft, got caught in one shower and that was it totally piss wet through, my 2 Labs cleared off and where sheltering under the back of the truck when i got back to it, Not as heavy today but been at it all day, spent 3hrs in a Beech n Oak woodland at probably the worst part of the day and i dont hold much hope for my coat being dried out for morning,,

Its a Premier inn on the A1 at the halfway point, but only for an hour or so 😂😂

To many buttons and switches in that cab for you 😂😂😂

ah thats nice ❤️ i feel a table for two is on the cards here, 🍸 ❤️ 🍸

You must of moved across the pond have you!! let us know what them chainsaw flip flops are like to wear 😂😂😂

But chuck a drum of cherry in the back just in case, the bigger customers seem to be getting the fuel delivery,s before the smaller garages, M&S about half a mile from me had nothing at dinner time had a delivery this aft but only unleaded and max £20 qued out on to main rd at five ish when i past,

Local garage was supposed to get a diesel delivery at 8,30 am today but it had been cancelled at 4am this morning, lad who has garage had put his cones out so tanker could get in but come 10am and still not there he rang suppliers and was told he was sent a email at 4am informing him of his delivery being cancelled

Some i know did that yesterday J, just do it, our Government have and never had any foresight, its not as if we are short of fuel/goods its Drivers and that goes back to Tony Tosspot.s time as prime minister, so another massive Labour cock up thats going to cost Millions to resolve !!

Yep thats where i am going now got 6 25ltr drums sorted and 11000 ltrs cherry in ag contractors yard next door, F - - k em

Went for some diesel this morning as should be going to my mums birthday do, went to 4 garages, 2 shut, one with only V power unleaded and one with only unleaded but max £10, 1/4 tank of diesel in my Shogun so 2 trips to work and then if no diesel on pumps it leaves me only one option !!!

I bet he says he has a big Lawn !!!

Go and try and move the one on your log trailer and i bet you cant move it ? would the rotator off the trailer go on the digger ? should do just for a trial and pipe it the same, if that moves like the original its something further back or piped up wrong way ? if the one off the trailer dont move piped the same as original one, its something inside the original one rotator, You know Tom Dixon at Rimmington he will have a bit of expierance with rotators might be worth a visit or a phone call, There is not much effort being put in to rotate that grab and that is not right at all,

Thats not right, you should not be able to move that like that ?? when you grab a log with it does it hold it tight till you open grab ? i would say you have 2 pipes that are wrong way round ? even on my shit grab on trailer behind Kubota i could not spin the rotator even when using the leverage of a 8ft log in the grab, i take it the grab is new ? from a older post you was asking and seemed to be struggling with a 6 way diverter that you was fitting i tend to think you have something the wrong way round or there is a solinoid that is not functioning correct, i would start with a pressure test on the pipes to the grab n rotator all shoud be reading the same 2200psi + when opperated,,