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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:37 
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Isn't that lovely?

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myoptika wrote:
Grim... wrote:
I must confess that I think it's a fine idea.
I must confess further that I'm not convinced I'll be able to make it go away.


I don't think you can either, seeing as every forum software since the beginning of time* has had them. I'm struggling to see why it's a problem when we've had to put up with it on WoS for the last five years.



* the last few years.



er? have we?

I can't say I've ever noticed WoS saying "are you sure you want to post this, other people have posted since you started writing your witty reply"

Malc

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:38 
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myoptika wrote:
Grim... wrote:
I must confess that I think it's a fine idea.
I must confess further that I'm not convinced I'll be able to make it go away.


I don't think you can either, seeing as every forum software since the beginning of time* has had them. I'm struggling to see why it's a problem when we've had to put up with it on WoS for the last five years.



* the last few years.


Oddly, I never noticed it on WoS.

Surely you can just delete the link/image code from the php?

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:39 
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I'VE FUCKING DONE IT! I DID IT, LIKE, TEN SECONDS AFTER I SAID I WOULD!
EYES, PEOPLE! USE THEM!

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I wish Craster had left some girls for the rest of us.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:40 
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Isn't that lovely?

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Craster wrote:
myoptika wrote:
Grim... wrote:
I must confess that I think it's a fine idea.
I must confess further that I'm not convinced I'll be able to make it go away.


I don't think you can either, seeing as every forum software since the beginning of time* has had them. I'm struggling to see why it's a problem when we've had to put up with it on WoS for the last five years.



* the last few years.


Oddly, I never noticed it on WoS.

Surely you can just delete the link/image code from the php?


Ah, you were talking about the topic button. I think it was just because I was used to the "reply" button being on the left. (I know they are all on the left of the page now, instead of the right, but I'm sure you know what I mean)

Malc

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:40 
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Grim... wrote:
I'VE FUCKING DONE IT! I DID IT, LIKE, TEN SECONDS AFTER I SAID I WOULD!
EYES, PEOPLE! USE THEM!



Go Go Ultramod!

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:41 
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Est. 1978

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GARRRGH!

*puff* *pant*

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Grim... wrote:
I wish Craster had left some girls for the rest of us.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:45 
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Craster wrote:
If you and Zardoz and Mr Dave touched rings and became Ultramod, could you do it then?


Well I'm willing to try. Guys?

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:47 
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That's a relief, I thought I was going mad and pressing 'Preview' instead of 'Submit' all the time.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:47 
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Tmuk wrote:
That's a relief, I thought I was going mad and pressing 'Preview' instead of 'Submit' all the time.


That hasn't changed - the new topic button has been removed.

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 16:48 
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Paws for thought

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Grim... wrote:
I must confess that I think it's a fine idea.
I must confess further that I'm not convinced I'll be able to make it go away.


I quite like it, but an option to turn it off would be grand.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 17:02 
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Craster wrote:
Tmuk wrote:
That's a relief, I thought I was going mad and pressing 'Preview' instead of 'Submit' all the time.


That hasn't changed - the new topic button has been removed.


Just so long as I know I'm not going mad.
Wibble.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 17:57 
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Ten years ago, when this thread started, Pod asked why we don't just pay off the student loan in big lump sums. The reason why is because the interest rate is at the base rate, meaning it's the cheapest loan you'll ever have in your life. Similarly, with that being the case, if you owed £10,000 and happened to have £10,000 in the bank, you'd be better off putting the money in a high interest savings account, because you'd make more on the savings interest than you'd lose on the loan interest, y'see?

Also the loan doesn't count towards your credit rating, so apart from the drag of having to pay it back every month, it barely exists.

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 19:21 
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MR EXCELLENT FACE

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ComicalGnomes wrote:
Ten years ago, when this thread started, Pod asked why we don't just pay off the student loan in big lump sums. The reason why is because the interest rate is at the base rate, meaning it's the cheapest loan you'll ever have in your life. Similarly, with that being the case, if you owed £10,000 and happened to have £10,000 in the bank, you'd be better off putting the money in a high interest savings account, because you'd make more on the savings interest than you'd lose on the loan interest, y'see?

Also the loan doesn't count towards your credit rating, so apart from the drag of having to pay it back every month, it barely exists.



Excellent answer.

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 19:25 
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just for my info £29K is without taxes i presume, which is a bout what net a month?

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 19:31 
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romanista wrote:
just for my info £29K is without taxes i presume, which is a bout what net a month?


http://www.listentotaxman.com is useful for working out net for stuff. It depends on student loans and whether or not you're a blind widow.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 19:41 
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Squirt wrote:
romanista wrote:
just for my info £29K is without taxes i presume, which is a bout what net a month?


http://www.listentotaxman.com is useful for working out net for stuff. It depends on student loans and whether or not you're a blind widow.


Good fucking God the government is a theiving cunt. GIVE ME BACK MY MONEY!

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I wish Craster had left some girls for the rest of us.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 20:18 
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In other work related news, I just avoided an interview with these bastards.

Congrats, CUS, you cunt.


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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 21:25 
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INFINITE POWAH

Joined: 1st Apr, 2008
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Grim... wrote:
Squirt wrote:
romanista wrote:
just for my info £29K is without taxes i presume, which is a bout what net a month?


http://www.listentotaxman.com is useful for working out net for stuff. It depends on student loans and whether or not you're a blind widow.


Good fucking God the government is a theiving cunt. GIVE ME BACK MY MONEY!


Oh aren't they just. I'm frightened by the amount of tax and NI I pay per month. More than my chuffing mortgage.

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 Post subject: Re: You cunt
PostPosted: Wed Apr 02, 2008 22:38 

Joined: 30th Mar, 2008
Posts: 8679
Grim... wrote:
pupil wrote:
Pod wrote:
Yes, but 20k in London is like 10k in Preston, isn't it? :)

Precisely, and you have to work twice as many hours (including commuting) to earn it. Why bother?

Depends where you live, and what you do with your time.
A good chum lived in Bedford and paid £400 a month rent for a two-bed house. He earned £30k in London (as opposed to doing the same job in nearby St. Neots for £19k), and his commute was an hour, each way.


Although obviously you need to add the cost of that train ticket (presumably it was train) to his rent.

I pay £500 in a shared 4 bedroom in near central london, if you're prepared to compromise a little it doesn't have to cost the earth.

Quote:
they are right. get rid of it


They are wrong. It is awesome.

Quote:
Ten years ago, when this thread started, Pod asked why we don't just pay off the student loan in big lump sums. The reason why is because the interest rate is at the base rate, meaning it's the cheapest loan you'll ever have in your life. Similarly, with that being the case, if you owed £10,000 and happened to have £10,000 in the bank, you'd be better off putting the money in a high interest savings account, because you'd make more on the savings interest than you'd lose on the loan interest, y'see?

Also the loan doesn't count towards your credit rating, so apart from the drag of having to pay it back every month, it barely exists.


Indeed, I just consider it a "having an education" tax. Bonus is, it'll go away in about 5 years or so and I'll suddenly get a near 9% payrise for free.


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 Post subject: Re: You cunt
PostPosted: Thu Apr 03, 2008 2:25 
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I would just like to say that CUS is a thoroughly excellent person.

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 Post subject: Re: You cunt
PostPosted: Thu Apr 03, 2008 9:30 
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Student loan repayments are deducted from your affordability assessment when applying for a mortgage.

Mind you, I think everyone has stopped offering mortgages, so maybe that doesn't matter.

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 Post subject: Re: You cunt
PostPosted: Sun Apr 06, 2008 11:19 
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Congratualtions CUS, about time too. :)

Agree with John, I'm on approx 12k a year and struggling to get a mortgage because I have too many dependants or something. Bah.

Looks like I'm going to have to look for a 'proper' job. :o

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