list

[OpTiCaL]

Albums :

[ABN]

shit i´d love to help you out but that list is too fuckin long to run over with my 1500 albums

well i got 2 - WSC Bow Down & Terrorist Threats.

[Lord Funk]

That's fucking amazing

When it says 'offline' at the top... does that mean all these are OG CDs?

[OpTiCaL]

Well these are the ones ive collected since leaving all my past at my ex's

[Lord Funk]

I'm in awe. (If I had all those CDs in my pad I'd have to chuck out most of my furniture to make room.)

[Don Seer]

they aint all original.... but still... she has several stacks of cd's piled up to over head height


i've got a similar amount but they're mostly on shelves (which are now full...)


need to get meself a house with a spare room to just put the cds in!  (or maybe convert the loft. lol)..

[Mindless Minority]

they aint all original.... but still... she has several stacks of cd's piled up to over head height


i've got a similar amount but they're mostly on shelves (which are now full...)


need to get meself a house with a spare room to just put the cds in! (or maybe convert the loft. lol)..

Get on the property ladder now mummys boy, before its too late.

[Lord Funk]

I used to have them in crates and on shelves but it all got too much (got quite a small flat) - I keep 'em in those book/wallet things now and bin all the cases unless they're 'part' of the cover (like those coloured No Limit ones lol)

[ABN]

well i got about 700 original cd´s and about 800 on my comp but like 60% outta all of that is certified trash.

[Don Seer]

they aint all original.... but still... she has several stacks of cd's piled up to over head height


i've got a similar amount but they're mostly on shelves (which are now full...)


need to get meself a house with a spare room to just put the cds in! (or maybe convert the loft. lol)..

Get on the property ladder now mummys boy, before its too late.

you got a house? or u just talking smack as usual?


cant afford to buy a house alone.. prices are cheap up there arent they?

where i live its currently around 120 grand to enter the housing market.

[ABN]

120k£? damn how much is that in $?

[Don Seer]

120,000.00 GBP  United Kingdom Pounds   

=   

229,350.60 USD  United States Dollars 


and thats for a small two bedroom house. (arent many 1 bed's and they get snapped up fast)

i have some friends with TWO incomes cant borrow enough.. and those that have managed find it very difficult

now i know i earn a lot more than most of my friends.. but not double what they earn

[Mindless Minority]

1. I wasn't having a pop.

2. 120K will get you a shit terrace house in a shit area. But for first time buyers that's all you can aim for.

3. You must have saved a lot of money over the last 6 years??? Unless you've pissed it away?

Realistically if you want to get on the property market you need someone else to buy with you. Or you could look into buying a property and then renting it out.

Think a mortage is something like 3 times your salary.

[Don Seer]

1.. ok

2.. not here it wont. 120k will get a 2 bed semi/starter.. a terrace in a shit area (next road over from me.. is about 140/150 k.. )
    a 1 bed terrace starter here is around 100k

    3/4 years ago you could get a 2 bed semi/end terrace for about 80 g's.. wish i had the money i have these days back then

3.. do have some saved.. i also have no debts/loans etc etc


yeah mortgage is roughly 3.5 times salary...  (should really talk to opti about this.. she a snr mortgage advisor these days    but hey we gonna live together one day  )

anyyways...   so to get 120 you need to be earning 40 g's a year...  i wish!

two people earning 20k a year? not so difficult... but more than most people i know earn..

now of course most people use a deposit.. say 20 g's.. tthat brings it down to having to borrow 100 g's..

thats 100 / 3.5 is 28 g's

so still... gotta move in with someone.. but it'd be more comfortable..

[OpTiCaL]

1. I wasn't having a pop.

2. 120K will get you a shit terrace house in a shit area. But for first time buyers that's all you can aim for.

3. You must have saved a lot of money over the last 6 years??? Unless you've pissed it away?

Realistically if you want to get on the property market you need someone else to buy with you. Or you could look into buying a property and then renting it out.

Think a mortage is something like 3 times your salary.

ok on the outside.....squashy in the middle