Is it me??

patsy_mccabe

"More smart people have gone broke from borrowing, than any other activity. A smart person can't go broke unless they borrow. If you're smart, you don't need to borrow. if you're dumb, you have no business borrowing in the first place." - Warren Buffett

Stihl waters

Stihl waters wrote: »

I'll have to disagree with you, the formation of loans and borrowing is what controls you, if you don't owe money you can have a relatively carefree existence,.
However most of us will borrow to buy land, house etc. A lot of the problem is not being happy with what was left to you, 30 or 40 acres in a will can turn into 80 acres or 140 acres and a big loan and a tractor needed to farm it, what our parents survived on wouldn't do us as our generation wanted more and bigger machinery.
I'm just commenting on the farming aspect of it but its across the board in every part of culture, the hippy in a mobile has often a happier life than the lad killing himself with 150 milkers and big loans or the the lad above on a roof with a 40 grand jeep, keep the banks away from your door and life simple and things often look better, in my experience anyway

Ok but thats the point. No loans then you are in control and as you say expanding to earn more money just leads to loans.

yosemitesam1

patsy_mccabe wrote: »

"More smart people have gone broke from borrowing, than any other activity. A smart person can't go broke unless they borrow. If you're smart, you don't need to borrow. if you're dumb, you have no business borrowing in the first place." - Warren Buffett

Very easy to say that when your job is to play with other peoples money, very hard to build anything worthwhile in a reasonable timeframe without debt

patsy_mccabe

yosemitesam1 wrote: »

Very easy to say that when your job is to play with other peoples money, very hard to build anything worthwhile in a reasonable timeframe without debt

You can see his point though. If what you are doing is intrinsically profitable, then it should allow sufficient cash flow to grow organically. Too many borrow with their fingers crossed and pride themselves on taking risks. These are usually the companies that go broke.
His track record with playing with other peoples ain't bad at all.

Stihl waters

wrangler wrote: »

You don't want to have an anxious disposition or prone to depression to be borrowing money.
If any thing goes wrong the banks and the loan will make it a hundred times worse

Theres plenty never had a bother until times got tough, no one knows how mentally strong or weak they are until things go against them

vincenzolorenzo

Nekarsulm wrote: »

Homelessness, or at least the visible version of it , is almost always the result of addiction or anti-social behaviour or mental health issues, and that's a very different problem to solve than just providing more housing.

True, no amount of bricks and mortar alone will solve those cases, but the big problem we have now is that those cases are very much in the minority. Its families living in hotel rooms that are the issue now rather than rough sleepers. The last figure I heard for homeless was c. 10,000 people. Now that was pre-Covid times so we don't hear about it anymore but I'd be surprised if there was over 200 of those in the rough sleepers category

yosemitesam1

With the new digital currencies in development by the majority of central banks, we might see an awful lot more distortion of markets and values into the future. It would effectively allow the potential for not all money to be equal. Certain areas of the economy or government spending could be favoured over others, the money in your account could be given an expiration date or a probably endless amount of other potential manipulations...

laoch na mona

patsy_mccabe wrote: »

"More smart people have gone broke from borrowing, than any other activity. A smart person can't go broke unless they borrow. If you're smart, you don't need to borrow. if you're dumb, you have no business borrowing in the first place." - Warren Buffett

Easy to say when you a born into money during the biggest economic boom in recent history in fairness. very unrealistic advice in the modern economy though

NSAman

laoch na mona wrote: »

Easy to say when you a born into money during the biggest economic boom in recent history in fairness. very unrealistic advice in the modern economy though

Not really and I don't mean to sound smarmy at all.

Built a business since the last crash. No borrowings at all. After the last crash it was the one thing that I wanted to do, so step by step minding every decision along the way.

Personal debt from the crash, I paid off over time and I am glad I did. It meant lots of the things I wanted to do I couldn't. Today, however, no debt apart from a small mortgage, no business debt and all assets are owned and not rented (i.e. premises)

Was it difficult? Absolutely. Could I have achieved it earlier with debt? Absolutely. BUT.... now I know I own what I have and no worries sleeping like I had for many, many years before the crash.

With the last year the way it has been, I see SO many competitors have gone by the wayside, fancy offices which were rented and we are still plodding along with still no debt.

If at all possible, build it with no debt.

blue5000

NSAman wrote: »

Not really and I don't mean to sound smarmy at all.

Built a business since the last crash. No borrowings at all. After the last crash it was the one thing that I wanted to do, so step by step minding every decision along the way.

Personal debt from the crash, I paid off over time and I am glad I did. It meant lots of the things I wanted to do I couldn't. Today, however, no debt apart from a small mortgage, no business debt and all assets are owned and not rented (i.e. premises)

Was it difficult? Absolutely. Could I have achieved it earlier with debt? Absolutely. BUT.... now I know I own what I have and no worries sleeping like I had for many, many years before the crash.

With the last year the way it has been, I see SO many competitors have gone by the wayside, fancy offices which were rented and we are still plodding along with still no debt.

If at all possible, build it with no debt.

Great advice there. With H iron prices approaching €10 per foot a few first thinning spruce trees are looking very tempting for a shed.

I know they won't last forever, but at least the replacement trees will be growing in the meantime.

Dinzee Conlee

blue5000 wrote: »

Great advice there. With H iron prices approaching €10 per foot a few first thinning spruce trees are looking very tempting for a shed.

I know they won't last forever, but at least the replacement trees will be growing in the meantime.

Was half thinking the same myself - have some larch trees that feel and are lying in the yard...
Plan was to make posts of em, but when they are fine line straight trees, you’d wonder if you should do something like a shed with them

893bet

How long would an untreated larch stake last really?

893bet

893bet wrote: »

How long would an untreated larch stake last really?

we took up some out of a swamp couple years ago,that were put down during/pre WW2.....the barbed wire was long rotted



Doubt.you'll get em last as long anymore though!

Dinzee Conlee

893bet wrote: »

How long would an untreated larch stake last really?

I don’t know 893, put some in last year so we’ll see...

They were free as they were going on our own place, and you’d hope should at least last as long as the cheaper posts you’d buy...

Suckler

Dinzee Conlee wrote: »

Was half thinking the same myself - have some larch trees that feel and are lying in the yard...
Plan was to make posts of em, but when they are fine line straight trees, you’d wonder if you should do something like a shed with them

We have a shed roof done in straight trees, the ends were exposed for a long time but no real signs of rot in any of them. one needs replaced because of flashing coming off but still not gone far enough to threaten to collapse. They've been up since the 70's.

I know posts in the ground would have more exposure but a decent whack of any sort of treatment and protecting the joint if they are set in concrete will have them standing 20 years easy at a guess. One idea I saw was to put up block piers say 60-90cm's, have a plate made to fix to the block (or concrete) and the wood. Keeps it up out of the ground and easier to keep an eye for any rot.

Dinzee Conlee

Suckler wrote: »

We have a shed roof done in straight trees, the ends were exposed for a long time but no real signs of rot in any of them. one needs replaced because of flashing coming off but still not gone far enough to threaten to collapse. They've been up since the 70's.

I know posts in the ground would have more exposure but a decent whack of any sort of treatment and protecting the joint if they are set in concrete will have them standing 20 years easy at a guess. One idea I saw was to put up block piers say 60-90cm's, have a plate made to fix to the block (or concrete) and the wood. Keeps it up out of the ground and easier to keep an eye for any rot.

I have a few old telephone poles lying around as well, so was half thinking I could use them as the uprights.

But, won’t be done this year anyways...

Next year... always next year

kevthegaff

There was a poster a few years back who put up a cow cubicle house, it looked like something from bavaria

blue5000

893bet wrote: »

How long would an untreated larch stake last really?

The genuine european larch will last as long as oak, but anything planted since the 50's is likely to be Japanese larch or a hybrid between the 2. We bought some when a local coilte wood was being cleared, 10 years is all the untreated strainers are lasting.

Have some other genuine european larch in a bog from a tree that was knocked in the 1970's and they're still good. That timber lay on the ground for 30 years before I made stakes out of it. I split it along the trunk instead of sawing it, supposed to be a better way of doing it to help it last longer.

So if you have european larch it will see you out, Japanese larch is crap and should never have been let into this country.

Dinzee Conlee

blue5000 wrote: »

The genuine european larch will last as long as oak, but anything planted since the 50's is likely to be Japanese larch or a hybrid between the 2. We bought some when a local coilte wood was being cleared, 10 years is all the untreated strainers are lasting.

Have some other genuine european larch in a bog from a tree that was knocked in the 1970's and they're still good. That timber lay on the ground for 30 years before I made stakes out of it. I split it along the trunk instead of sawing it, supposed to be a better way of doing it to help it last longer.

So if you have european larch it will see you out, Japanese larch is crap and should never have been let into this country.

Ours is European - but, the posts are sawn.

Tell me how did you split the tree lengthways?

Edit : I don’t know if it’s so old as planted in the 50s, I would have said 60s or maybe early 70s...
But was always told it was European larch, as the wood was specifically planted for stakes...
Now that’s planning

blue5000

Dinzee Conlee wrote: »

Ours is European - but, the posts are sawn.

Tell me how did you split the tree lengthways?

Edit : I don’t know if it’s so old as planted in the 50s, I would have said 60s or maybe early 70s...
But was always told it was European larch, as the wood was specifically planted for stakes...
Now that’s planning

Cut it first into 6 ft lengths, then used wedges and a sledge. Stakes ended up sort of triangular shaped. Got some sawn before and there was a cross grain in some of it and the stakes just split themselves. It's like as if the tree was going around in circles as it grew.

This lad is doing oak, you only need 2 metal wedges, wooden off cuts from pointing a strainer will do as intermediate wedges too once you get it opened up. Takes a bit of time, but the big advantage is you are following the natural grain of the timber instead of cutting through it. This gives you a stronger stake, but it does look as rough as a bear's ar5e.

Will try get you a few pics of the stakes in the bog later on.

Dinzee Conlee

blue5000 wrote: »

Cut it first into 6 ft lengths, then used wedges and a sledge. Stakes ended up sort of triangular shaped. Got some sawn before and there was a cross grain in some of it and the stakes just split themselves. It's like as if the tree was going around in circles as it grew.

This lad is doing oak, you only need 2 metal wedges, wooden off cuts from pointing a strainer will do as intermediate wedges too once you get it opened up. Takes a bit of time, but the big advantage is you are following the natural grain of the timber instead of cutting through it. This gives you a stronger stake, but it does look as rough as a bear's ar5e.

Will try get you a few pics of the stakes in the bog later on.

Where would a lad get a set of those wedges Blue?

I cut them at the minute, so they end up halved or quartered...

blue5000

Maybe a car boot sale. Head of a hatchet would do, but wear safety glasses as chips can fly off the head when you hammer them.

Top two pics are larch stakes made this way about 15 years ago. They're in a cutaway bog so would have water lapping around them the odd winter.






Bottom photo was a broken sawn larch stake with a cross grain at 45 deg.

bogman_bass

Dinzee Conlee wrote: »

Where would a lad get a set of those wedges Blue?

I cut them at the minute, so they end up halved or quartered...

https://irishforestryproducts.ie/?s=Wedge&post_type=product

Dinzee Conlee

Was replacing a few posts there earlier, on a fence that was put up maybe late 80s/early 90s
Found a larch post - would have been the top of a tree, with bark on, probably 5 inches or so in width...

Looks shook, but was still sound - drove it again anyways. It’ll last another few years...

rs8

Rang a few ads on done deal for a farmers track machine and everyone of them reckon second hand machines are like hens teeth and asking very strong money!! Does anyone know of good websites in the UK that sell plant machinery?

wrangler

Dinzee Conlee wrote: »

Was replacing a few posts there earlier, on a fence that was put up maybe late 80s/early 90s
Found a larch post - would have been the top of a tree, with bark on, probably 5 inches or so in width...

Looks shook, but was still sound - drove it again anyways. It’ll last another few years...

We've larch post and rail that was put up in the sixties and fencing posts from the seventies.

Danzy

Have a home made Oak stake here, split in the 1940s

Say my name

Haven't done it myself.

But has anyone Shou sugi ban 'ed their stake bottoms?

Dinzee Conlee

Say my name wrote: »

Haven't done it myself.

But has anyone Shou sugi ban 'ed their stake bottoms?

That’s burning them isn’t it?

Thought about it before all right to the larch stakes I did last year, but didn’t...

Be interesting to see if anyone had all right...

Dinzee Conlee

blue5000 wrote: »

Maybe a car boot sale. Head of a hatchet would do, but wear safety glasses as chips can fly off the head when you hammer them.

Top two pics are larch stakes made this way about 15 years ago. They're in a cutaway bog so would have water lapping around them the odd winter.






Bottom photo was a broken sawn larch stake with a cross grain at 45 deg.

Right, well I got myself some wedges, and gave splitting a handy log a go...

It split ok, but I don’t think I followed the grain as good as I could. Like you said, the tree kinda twisted as it grew, so it didn’t split very cleanly I think...
It’s rough looking, but hopefully they’ll last...

Dinzee Conlee

Dinzee Conlee wrote: »

Right, well I got myself some wedges, and gave splitting a handy log a go...

It split ok, but I don’t think I followed the grain as good as I could. Like you said, the tree kinda twisted as it grew, so it didn’t split very cleanly I think...
It’s rough looking, but hopefully they’ll last...

There's some cleft oak posts here from the early 1960's, about as straight as a politician but just try driving a staple into them

josephsoap

https://www.donedeal.ie/view/28154202

€15,250 for 2006 landcruiser 😅😅

Jb1989

josephsoap wrote: »

https://www.donedeal.ie/view/28154202

€15,250 for 2006 landcruiser 😅😅

Stupidly no picture of upholstery, I'd like to see it well minded.

amacca

josephsoap wrote: »

https://www.donedeal.ie/view/28154202

€15,250 for 2006 landcruiser ����

Looks to be in good nick but that to me is a mental price for that vintage.

amacca

amacca wrote: »

Looks to be in good nick but that to me is a mental price for that vintage.

There was a lad driving, I think it was a 98 pajero, spotless, said he gave €11,000 for it.

amacca

Deleted User wrote: »

There was a lad driving, I think it was a 98 pajero, spotless, said he gave €11,000 for it.

I bought a beautiful jap import 97 2.8 swb around about 2005 for 10.5k and thought that was a very generous price too.

I wouldn't have been expecting to get more for it 16 years later (even in good condition)

Crazy old world.

Base price

Deleted User wrote: »

There was a lad driving, I think it was a 98 pajero, spotless, said he gave €11,000 for it.

Last year we had ESB contractors doing work on a transformer pole that is on the land. One of guys asked OH if he would sell (my) 98 swb 2.8 Pajero. It hasn't been tested or on the road since 2016. We use it on farm as a run around/work horse - a bit like a quad but better.

Maybe I should get it valeted and tested :rolleyes:

amacca

Base price wrote: »

Last year we had ESB contractors doing work on a transformer pole that is on the land. One of guys asked OH if he would sell (my) 98 swb 2.8 Pajero. It hasn't been tested or on the road since 2016. We use it on farm as a run around/work horse - a bit like a quad but better.

Maybe I should get it valeted and tested :rolleyes:

At that money you'd be mad not to. Still though they do look well and my one at least wad a very dependable likeable jeep. If I could have it back in good condition I'd think about it.

Sold it for 500 in the end.

Albert Johnson

josephsoap wrote: »

https://www.donedeal.ie/view/28154202

€15,250 for 2006 landcruiser 😅😅

A friend was asked €10,500 for an 05 crew cab Land Cruiser with 220,000 miles last week. Granted it was a 5 seater with fairly high spec but it wasn't in overly clean condition for it's age. I must have given the game away with a facial expression when he told me the price because he said it was probably too much for it. He's since bought an 05 Isuzu Dmax that's an ex OPW jeep and immaculate.

josephsoap

Albert Johnson wrote: »

A friend was asked €10,500 for an 05 crew cab Land Cruiser with 220,000 miles last week. Granted it was a 5 seater with fairly high spec but it wasn't in overly clean condition for it's age. I must have given the game away with a facial expression when he told me the price because he said it was probably too much for it. He's since bought an 05 Isuzu Dmax that's an ex OPW jeep and immaculate.

Yeah the crew cab land cruisers are crazy money no matter what their year

Albert Johnson

josephsoap wrote: »

Yeah the crew cab land cruisers are crazy money no matter what their year

They must be, I'd rather be selling than buying at that price. Let no one try and convince me that a 16 year old jeep with 200 odd thousand miles on it hasn't it's best day's behind it no matter how well it was minded.

blue5000

Albert Johnson wrote: »

They must be, I'd rather be selling than buying at that price. Let no one try and convince me that a 16 year old jeep with 200 odd thousand miles on it hasn't it's best day's behind it no matter how well it was minded.

16 year old Toyotas with D4D engine wouldn't have a great reputation. Neighbour has a mid 90's 3.1L Trooper that he bought for €800 a few years back. He's pestered with lads asking will he sell it. Are they going for export or is it just that they want the engine and gearbox?

have2flushtwice

I've a 91 pajero 2.5 swb with no tax or
test. needs a right good valet. body good.
what's it worth?
I've a 2005 Hyundai terracon no test either. body great on it.
i must surely be sitting on a few quid.....

Danzy

have2flushtwice wrote: »

I've a 91 pajero 2.5 swb with no tax or
test. needs a right good valet. body good.
what's it worth?
I've a 2005 Hyundai terracon no test either. body great on it.
i must surely be sitting on a few quid.....

I'll give you 20k for both but you have to fill them with diesel.

Albert Johnson

have2flushtwice wrote: »

I've a 91 pajero 2.5 swb with no tax or
test. needs a right good valet. body good.
what's it worth?
I've a 2005 Hyundai terracon no test either. body great on it.
i must surely be sitting on a few quid.....

What were the terracan like out of interest? I could count on one hand the few of them I knew of locally.

FarmerDougal

have2flushtwice wrote: »

I've a 91 pajero 2.5 swb with no tax or
test. needs a right good valet. body good.
what's it worth?
I've a 2005 Hyundai terracon no test either. body great on it.
i must surely be sitting on a few quid.....

Got 1000 for 92 pajero in 09, engine blew shortly after,

have2flushtwice

Albert Johnson wrote: »

What were the terracan like out of interest? I could count on one hand the few of them I knew of locally.

good to pull. landcruizer size. comfy enough. haven't ever seen to many either.

enricoh

Danzy wrote: »

I'll give you 20k for both but you have to fill them with diesel.

I'll go 30k, I'm after getting the following email n am getting a few mill handy, she wants me to spend some of it on baby orphans but sod that- time for shiny metal old and new!

---

I am Janet Markham. A business woman from Australia dealing with gold exportation in the Republic of Burkina Faso .I was diagnosed with ovarian/breast cancer disease which doctors have confirmed that I have just a few weeks to live, I sleep every night without knowing if I will be alive to see the next day.
And Now that I’m ending the race like this, without any family members and no child, I have decided to hand over the sum of ($4.5 Million Dollar) in my account to you for the help of orphanage homes/the poor widows in your location to fulfill my wish on earth. You may be wondering why I choose you but I have no option but to contact someone who is ready and will be honest and do my wish. I decided to contact you after my prayers today and I know my faith will not fail me . I have laid all the solemn trust in you before I decided to donate what I have to charity through you. But before handing over my data to you, please i want you to kindly assure me that you will take only 50% of the total fund and share the rest to orphanage homes, help the poor and widows.
Please respond to enable me to forward you the necessary information before it will be too late as the bank is aware of my decision over the fund. Because at this stage if no one applies for the money it will transfer to the bank treasury when I’m gone and they will not use it to help the poor orphans, widows to fulfill my wish on earth.

thanks
Miss. Janet Markham,
Written from Hospital

carrollsno1

enricoh wrote: »

I'll go 30k, I'm after getting the following email n am getting a few mill handy, she wants me to spend some of it on baby orphans but sod that- time for shiny metal old and new!

---

I am Janet Markham. A business woman from Australia dealing with gold exportation in the Republic of Burkina Faso .I was diagnosed with ovarian/breast cancer disease which doctors have confirmed that I have just a few weeks to live, I sleep every night without knowing if I will be alive to see the next day.
And Now that I’m ending the race like this, without any family members and no child, I have decided to hand over the sum of ($4.5 Million Dollar) in my account to you for the help of orphanage homes/the poor widows in your location to fulfill my wish on earth. You may be wondering why I choose you but I have no option but to contact someone who is ready and will be honest and do my wish. I decided to contact you after my prayers today and I know my faith will not fail me . I have laid all the solemn trust in you before I decided to donate what I have to charity through you. But before handing over my data to you, please i want you to kindly assure me that you will take only 50% of the total fund and share the rest to orphanage homes, help the poor and widows.
Please respond to enable me to forward you the necessary information before it will be too late as the bank is aware of my decision over the fund. Because at this stage if no one applies for the money it will transfer to the bank treasury when I’m gone and they will not use it to help the poor orphans, widows to fulfill my wish on earth.

thanks
Miss. Janet Markham,
Written from Hospital

Some lads just get all the luck eh? I bet theres young single girls in youre area looking to chat to you as well?

enricoh

carrollsno1 wrote: »

Some lads just get all the luck eh? I bet theres young single girls in youre area looking to chat to you as well?

Now that I'm a multi millionaire there will be anyway! The missus may get the shotgun out!