Planet Rugby Forum

Blackrock Bullet

You do realise you can get pretty much exactly the same experience from a cheaper phone? Your comments on this thread are making you look a bit dim, to be honest. But you can't. An iPhone integrates with people's work computers, their tvs, iCloud etc. You can be on an older one for years and it mak...

Blackrock Bullet

I haven't 'imagined' anyone. I entered this debate at the start with your ridiculous attitude that 60/month on a phone plan wasn't luxury spending. I continued to argue that having a takeaway coffee every day is also luxury spending. I then outlined how much could be saved reducing both those costs...

Blackrock Bullet

For us Welsh, it doesn't really matter what league we are in. We will still be miserable. There are a lot of internal things we need to get right before worrying about what league we are in. In term of lack of trust, my ranking from a Welsh perspective is: South Africa England Ireland Scotland Ital...

Blackrock Bullet

I haven't 'imagined' anyone. I entered this debate at the start with your ridiculous attitude that 60/month on a phone plan wasn't luxury spending. I continued to argue that having a takeaway coffee every day is also luxury spending. I then outlined how much could be saved reducing both those costs...

Blackrock Bullet

I haven't 'imagined' anyone. I entered this debate at the start with your ridiculous attitude that 60/month on a phone plan wasn't luxury spending. I continued to argue that having a takeaway coffee every day is also luxury spending. I then outlined how much could be saved reducing both those costs...

Blackrock Bullet

Oh sweet Jesus Christ. I have not 'made up' any figure. (60-45) *12 = 540. You can take some of that off for the phone itself. €5/day on lunch instead of €10+ - 5*200 (just counting work days) =1000. So about 1500. And again, I never put these savings forward as enough alone to make up a deposit. I...

Blackrock Bullet

F*ck me. Is rain man still banging on about mobile phones? :lol: My favourite part of all of this from the lads is that in all of their imagined scenarios on what people are spending, the "savings" are all tiny. They can't even find something to point at that is anyway worth talking about in the co...

Blackrock Bullet

F*ck me. Is rain man still banging on about mobile phones? :lol: My favourite part of all of this from the lads is that in all of their imagined scenarios on what people are spending, the "savings" are all tiny. They can't even find something to point at that is anyway worth talking about in the co...

Blackrock Bullet

F*ck me. Is rain man still banging on about mobile phones? :lol: My favourite part of all of this from the lads is that in all of their imagined scenarios on what people are spending, the "savings" are all tiny. They can't even find something to point at that is anyway worth talking about in the co...

Blackrock Bullet

What am I asking them to forgo? The real story here is you thinking €1500 is change. It is change. You've made up this number based on "supppse". Again, to be clear, that is 20 years of saving for a one bedroom apartment. All you are doing is waffling. Making up "savings" which laughably still repr...

Blackrock Bullet

The Welsh don’t travel? Well, the Lions tours suggest you’re full of shite for starters. And games against Scotland in Edinburgh. But apart from that, you’re spot on. I think we're dealing with someone who's never actually been to a rugby match here, bless him. I see there is a Reddit thread discus...

Blackrock Bullet

Re write this? I can't understand it as written. Do you really think you are championing Capitalism by calling people who call it dysfunctional as "Communists"? This is the market which has a whole suite of "rights", laws and interventions that few other markets see. Well that didn't help. Why are ...

Blackrock Bullet

If you want one, and you have the right attitude, you can get one. It will take sacrifice. If you wish instead to moan and cry about life, fudge you, I'm changing the channel. Go vote some communists in or something. If you think the housing market is close a free market thing, then you don't reall...

Blackrock Bullet

Anyway, for the very hard of hearing because it doesn't seem to have gotten through to you, I am not suggesting these savings alone can give you your deposit in a timely manner. However, it is utterly brain dead to reject those savings 'just because'. If you can't save at all then that's an extra €...

Blackrock Bullet

You don’t pay back a student loan on those low wages. He’s a rich bloke with 3 houses larping https://www.gov.uk/government/publications/student-loans-a-guide-to-terms-and-conditions/student-loans-a-guide-to-terms-and-conditions-2023-to-2024 "You’ll only start making repayments if your income is ov...

Blackrock Bullet

We are in "no shit Sherlock" territory. If you tell someone to forgo something to get a home or a nicer one then of course it makes sense. It doesn't make sense when this is the bedrock of your savings as you keep waffling on about. It is the bedrock of their savings because rent is sucking up doub...

Blackrock Bullet

Anyway, for the very hard of hearing because it doesn't seem to have gotten through to you, I am not suggesting these savings alone can give you your deposit in a timely manner. However, it is utterly brain dead to reject those savings 'just because'. If you can't save at all then that's an extra €...

Blackrock Bullet

There you have it lads €1500 is down the back of the couch money for BB. Where is this €1,500 coming from? More imagination about Pret Sandwiches The only reality here is that essentials are costing 20%+ more and swallowing people's ability to save. That is what study after study and the data shows...

Blackrock Bullet

Anyway, for the very hard of hearing because it doesn't seem to have gotten through to you, I am not suggesting these savings alone can give you your deposit in a timely manner. However, it is utterly brain dead to reject those savings 'just because'. If you can't save at all then that's an extra €...

Blackrock Bullet

Da iawn diolch wrote: ↑Mon Jan 15, 2024 3:30 pm
Blackrock Bullet wrote: ↑Mon Jan 15, 2024 3:22 pm A B&I league would be a far bigger deal here than the URC, no question.
Not many of your compatriots seem to agree, for one reason or another...

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Blackrock Bullet

Given the majority of FTBs are dual salary, €4,800/year gives you nearly €60k after 6 years. The average age people now meet their spouse is 28 for men and 25-27 for women. Rent has decimated people's disposable incomes in their early 20s. So people should live in house shares and wait to have chil...

Blackrock Bullet

I don’t know why people are getting so het up - it’s not going to happen. I think it makes sense (which isn’t saying much) but it seems clear that there is no appetite among Irish and Scottish fans, deep suspicion on the part of the Irish and Scottish unions and, so I am told, little appetite or de...

Blackrock Bullet

Came here to find out how many times the confident, secure Oirish lads would tell us that the Welsh sides weren't wanted or needed. Wasn't disappointed. Anglo/Welsh or B&I would be my preference. The Italian sides add nothing to the competition, and should join ProD2. Shoehorning the Saffer sides i...

Blackrock Bullet

€4,800 a year. 6 years to save for a one bed in Dublin. You continue to ignore the reality of the cost of rent and this makes even saving that much a massive challenge for people. Given the majority of FTBs are dual salary, €4,800/year gives you nearly €60k after 6 years. Don’t be annoying these mi...

Blackrock Bullet

I’m blue in the face telling you that you only meed to save €400 a month to get on the property ladder and every time I tell you how to chip away at that €400 you reply with a reply saying how you can’t cut out non-essential spending on luxuries and how well you older lads had it easier €4,800 a ye...

Blackrock Bullet

I’m blue in the face telling you that you only meed to save €400 a month to get on the property ladder and every time I tell you how to chip away at that €400 you reply with a reply saying how you can’t cut out non-essential spending on luxuries and how well you older lads had it easier €4,800 a ye...

Blackrock Bullet

You’ve an excuse for everything. If you can’t save €400 a month should you be even contemplating taking out a mortgage Ah that's not fair Duff. These people will be paying over the cost of a mortgage in rent. That’s not a given, and you need a buffer in any case It is the data reality, not anecdota...

Blackrock Bullet

This is why you’re a gobshite who has been brainwashed by consumerism. You don’t need a gym to stay fit. And certainly not for your mental health. All you need to stay fit is a pair of runners. All these things your generation sees as essential - they are not. That’s where your €5k a year in saving...

Blackrock Bullet

I don’t know why people are getting so het up - it’s not going to happen. I think it makes sense (which isn’t saying much) but it seems clear that there is no appetite among Irish and Scottish fans, deep suspicion on the part of the Irish and Scottish unions and, so I am told, little appetite or de...

Blackrock Bullet

SA and Italian teams in the URC has always been dumb bottom feeding. It only looks like it "works" because those unions can subsidise it to a degree and the Premiership have made an utter balls of things . Their ringfencing a large proportion of UK tv revenue for rugby for themselves and still mana...

Blackrock Bullet

You do realise you can get pretty much exactly the same experience from a cheaper phone? Your comments on this thread are making you look a bit dim, to be honest. But you can't. An iPhone integrates with people's work computers, their tvs, iCloud etc. You can be on an older one for years and it mak...

Blackrock Bullet

It sure as fudge does when you’re spending half of your income on lifestyle choices. Realistically both parties in a couple should be able to save €5k each per year meaning you can buy in 5 years What's realistic? Rent and bills are taking 60-70% of young peoples income. We already said the average...

Blackrock Bullet

What is the equivalent cheaper alternative with little overall difference to having children? You keep on having arguments with me that I'm not having with you. Again, you're confusing me with someone who thinks things are the same as always, rents aren't an issue and my favorite, someone who think...

Blackrock Bullet

Well there is a Scottish opinion. Looks like we have have enough teams anyway if the Welsh want to leave. "We're so secure. We don't need ye lads, so." We probably don't honestly. The URC can always survive because there's so much Six Nations/International money and control that backs it up.

Blackrock Bullet

SA and Italian teams in the URC has always been dumb bottom feeding. It only looks like it "works" because those unions can subsidise it to a degree and the Premiership have made an utter balls of things. Their ringfencing a large proportion of UK tv revenue for rugby for themselves and still managi...

Blackrock Bullet

I bet they did. Maureen in accounts probably thinks business travel is glamorous. https://www.irishtimes.com/ireland/2024/01/01/ucd-spends-more-than-400000-on-business-class-flights-in-six-months/ One source working in the university administration privately expressed concern at the recent high leve...

Blackrock Bullet

it now takes 13 years to save a deposit for the average UK property (up from three in the mid 1990s), It sure as fudge does when you’re spending half of your income on lifestyle choices. Realistically both parties in a couple should be able to save €5k each per year meaning you can buy in 5 years E...

Blackrock Bullet

Deflection from what? From what this thread is about. The point on housing and kids is brought up and you start shiting on about Sweden and childcare. Obvious what you’ve been at here since the start. Once again (because you refuse to address it over and over), what value do you put on a child? The...

Blackrock Bullet

iPhones!

https://twitter.com/stephenkb/status/17 ... fotc20UniQ

Blackrock Bullet

Relevance to my point? Because your point wasn’t that at all. It was more deflection. Deflection from what? From what this thread is about. The point on housing and kids is brought up and you start shiting on about Sweden and childcare. Obvious what you’ve been at here since the start. Once again (...

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