You can tell who bought before the housing boom, or are we all middle class?

Typical figures for someone on £30k a year who bought in the last few years might be:

Take home pay after deductions + 10% pension contribution: ~£1700 /month
Mortgage of £150k /25 years @4%: ~£800 /month

After utilities, council tax, commuting, food bills they would have almost nothing left. Depressing!

Of course, and any human being worthy of the title should be prepared to donate their organs. I think the system should be changed so it is an automatic opt in if you meet the criteria, and you should have to register (and state your selfish reasons) to opt out 😉

Your picture link doesn’t work so I stalked you and found it

Seconding Barbour, my favourite winter coats by far. You can even send them back in for reproofing and repairs, creating a Trigger’s broom coat that should last you forever.

They’re really cool

Wait you’re under 21 years of age right

As a relative newbie, can someone explain the “surfmat” references? Banned poster?

I say

Do you mind if I don’t take fashion tips from a man in his 30s who still wears trainers and plays FIFA? 🙂

Are you absolutely sure?

If that’s work attire, what will you wear after work? Double Denim?

I’m interested in how they manage to spend £199,000,000 a year on online activities. Are their servers made from solid green?

Source: BBC – How is the licence fee spent[/url]

double post wtf

The RRS is really great offroad, but even better onroad. Dispatches enormous European trips in amazing comfort with loads of room for kit. Shame so many douchebags seem to drive them though 🙂

Dug out some old crappy cellphone pics:

Honestly it made MTBs look positively good value for money

They hate you because you never get mud on it

Don’t tar everyone with the same brush 🙂

I used to have a Hyper7, loads of trick kit. My advice would be to stay away from Nitro and stick with electric. Massive pain in the butt, and stuff breaks *all the time* . Great fun when they are working though (which is for about half an hour after three hours prep)

“People don’t hate you because you drive a Range Rover, they hate you because you can afford to drive a Range Rover” – J Clarkson

Ok so I got there – sprayed GT85 in the threads, hooked up the biggest adjustable spanner I could, leaned the crank against a wall and jumped on it. Threads seem fine. Never underestimate the leverage an angry fat man can produce, I guess.

Go to London! I guarantee you’ll either be mugged or not appreciated. Catch the train to London, stopping at Rejection, Disappointment, Backstabbing Central and Shattered Dreams Parkway.

Seriously though London is pretty cool just don’t drink the water

@TheGingerOne – 130i? Are they as much fun as people say? I love the idea of a big engine in a small car

Modern diesels are fantastic, I would nearly always have one over a petrol. Actually even when I want something a bit fast; I’ve not put a deposit on a new M5 as I’m eagerly awaiting more news on this triple turbo V8 diesel BMW are supposed to be doing.

I’m glad you agree ernie_lynch

night girls

🙄

I disagree with everything you say *shrug*

*kiss*

If doing DH at anything above a mince get some 160s on there

bung pinot in the fridge for half an hour before serving

most people think it is fairer that the burden should also be based on ability to pay, even if you disagree.

That’s only because most people aren’t rich. I guess if most people think rape is ok, it’s fine right 🙄

What every argumentdiscussion about tax boils down to is that everyone thinks that people richer than them should pay more tax. /thread

You seem to be forgetting that income tax is only one part of the picture. The tax system we have now means that the poor pay proportionately more of their income in total tax, than the rich. In order to address this imbalance, and achieve the flat rate you propose, taxes for the rich need to go up.

This totally ignores the state handouts available to the poor, but not the rich.

I don’t know whether you’re agreeing with me or not. Smith says that people should pay tax in proportion to their wealth. So a flat tax of say 25% on all earnings would be fair, whereas 20%, then 40%, then 50% strata are unfair.

That’s not to say Adam Smith is always right; his labour models are completely broken in the face of modern outsourcing, thanks to technology innovations!

It’s like an episode of Shameless

Income tax is only part of total taxation…the example i like is fuel…for a wealthy person to fill their car up with petrol costs the same as a poor person but who does it hit harder?…the rich person can afford the £50-£100 it costs to fill most cars these days but somebody earning £100 a week is being unfairly taxed in my opinion….didnt seem to stop Labour (party of the working man!) from ratcheting up tax on fuel though did it?!

It costs the same to provide public services paid for from tax receipts to rich people and poor people alike, so why should rich people pay proportionately more tax?

Look the real issue here is those dreadful working class people are earning £50k a year. I bet they have never even heard of hummus. Down with this sort of thing!

Took a 5 with 203 v2s to Europe this summer, never missed a beat, even 50+KM of DH at Pila in boiling hot weather. And I am a big fatty.

At risk of playing devil’s advocate, £50k a year working in London isn’t that much, considering they spend all day cooped up with little to no natural daylight and are responsible for the lives of thousands of passengers.

If anyone thinks it’s easy money for sitting on their backside all day, and anyone could do it, why don’t you go and be a tube driver? I’m not advocating that their pay is right or wrong, it’s what they negotiated though so they’re entitled to it.

Jesus the spam bots are getting better all the time, quite impressive really.

Not my cup of tea, I’m not into big logos on my stuff. Nevertheless a great British success story, I think the guys behind the brand have done brilliantly.

(I wear a lot of monogrammed Polo Ralph Lauren 😳 )

Oh don’t get me wrong I don’t like AUDIs, talk about style over substance. The ultimate tosser’s car maybe. BMW make mostly great cars though.

Some people might argue that people who don’t like AUDI or BMW are just sore that they can’t afford one and are stuck in a Passat or whatever, and would secretly jump at the chance, if offered, to own one of these brands…..

Which setup for hunting down power rangers?

what the hell is BJ training?