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01-05-2006, 11:18 AM | #91 | |||
IT JUST GET'S BETTER
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You only live once --- so enjoy it in a 351!!!! --------------------------------------------------- [COLOR=blue]2006 SY Ghia AWD Territory - Black |
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01-05-2006, 11:22 AM | #92 | |||
FF.Com.Au Hardcore
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No I had $80,000 deposit. Mostly eaten away with stamp duties and unexpected bills from the builder. This is my 2nd home. I've been paying mortgages for 8 years. This mortgage is a 30 year mortgage. My last one was a 5 year mortgage. I've worked since I was 14yo. I've now worked more than 1/2 of my life. due to work I had little time for education. I do have my VCE and a tafe qualification though. Couldn't afford to dedicate 4 yours of my life for Uni. Just wasn't financially viable. I've already taken action to soften the blow if interest rates go up. I don't think they will but we'll see. My mother inlaw is apprently dieing? In the next few years. They've been saying that for many years now. Doesn't look that way to me? If she does that's no less than $50,000 coming our way. What you fail to see is unexpected things happen. What if you break your back or end up on workcover like my wife has been for 4 years. My wife being on workcover means we are $16,000pa down. She will never be off workcover. She has a permanent back injury caused by workplace neglance. We can't sue for anything worth wild due to law changes. Her medical bills are in excess of $80,000 per annum. It has been determined my wife is 52% disabled which qualifies her for a disability pension but she can't get it as I work. The end result is you has to stay and work while chewing on pain killers like lollies. Which shortens life dramatically as it causes other problems. Can't remember whether it's liver or kidney failure?
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74 XB Fairmont (street car) 11.07@123.02mph. 08 LV Ford Focus XR5 (daily). Tuned by Hallam Performance Last edited by brenx; 01-05-2006 at 11:37 AM. |
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01-05-2006, 11:25 AM | #93 | |||
FF.Com.Au Hardcore
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74 XB Fairmont (street car) 11.07@123.02mph. 08 LV Ford Focus XR5 (daily). Tuned by Hallam Performance |
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01-05-2006, 11:32 AM | #94 | |||
FF.Com.Au Hardcore
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01-05-2006, 11:33 AM | #95 | |||
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01-05-2006, 11:37 AM | #96 | |||
FF.Com.Au Hardcore
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Sometimes those "crap, wasteful" items are the things that make life worth it for the kids. Their minds dont operate like adults do (have some kids, you'll work it out), they dont understand money and budgets. They simply see their mates have something they cannot. As a parent it tears your heart out to see your own kids miss out. Thats why we spend precious money on "crap". Did you know that cadbury's actually increased its sale of chocolates during the last great recession in the late 80's, early 90's? Why? Because people could no longer afford to go on holidays, eat out or even take a weekend day trip. So they bought a bar of chocolate as that little "thing" that is a treat to them in what were really hard times. Now, before you say anything back, I'll say that I'm not doing it too tough anymore. I have a great job, earn a great income, have fantastic friends (and a support group the size of AFF) and the best wife and family a person could ask for however I know what its like to do it tough.. real tough. Tough enough to go without food so my kids can get a birthday present. Tough enough to rely on my family to buy clothing for them too. I know tough and I also know that many people are still in that situation. You are not, you have chosen your lifestyle and no one can tell you its right or wrong. Its your absolute right to do as you wish with your money. I have also chosen my lifestyle. Married, single income, 4 kids, never going to be rich, never going to travel the world, live to an increadably strict budget still and probably always will. I dont regret it one bit, I dont ask for sympathy as I dont need or deserve it. These days things are very different and life is much easier for us.. mayby easier than a lot of 2 income families. I am rich in ways you simply dont and cant understand. The older I get the richer I feel. For that I'll suffer whatever it takes as its all worth it. When I have my 40th birthday in a few years my eldest will be 14. At my 50th all my 4 kids will be over 18 and will hopefully be there to cheer their old man on and give him that unrestricted love. Something only a parent knows. Yes, as parents we do it tough and have a whinge somedays (and believe me its justified when the Govt trys to shaft families at every turn) but ask any of them, even the ones doing it as tough as it gets, do they regret having kids? Dont think too many would say yes. I'll enjoy it when I'm 70 and the come to visit me with my grandkids I'm sure. Will be nice to get visitors dont you think?
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01-05-2006, 11:44 AM | #97 | ||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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My word, listen to you all. Shockwave - i applaud you for having the balls to stand up, speak your mind and go against the popular AFF opinion.
Let's take a step back. Let's forget all the technical matters around petrol pricing, interest rates, the cost of living and our wage earning ability. Let's look at what people are actually SAYING here. You - and your families - want the RIGHT to drive FUEL GUZZLING cars around, as much as you want, with fuel at a "reasonable" price? Yes? This is really the crux of it isnt it? Take it a step further. You are suggsting that "someone" needs to step in, to protect your RIGHT to have access to an AMAZINGLY POWEFUL YET SCARCE RESOURCE at a price which will allow you and your family to continue living comfortably, driving your fuel guzzling car as much as you please? I dont know where to begin. A bit of paraphrasing may assist me in articulating my clouded monday morning perspective. "How do you think i feel filling my xr6 up with 98 octane blah blah blah". Let me tell you a story about a close friend of mine. Life was comfortable. He and his fiancee had bought a house, both worked full time and lived comfortably. He'd got himself an AUXR6 and chipped it up - ran it on 98 octane all the time. Along came the inception of his first son. Now, Mrs gave up work to look after the young lad. Take the increase in expenses for the lad who was well on his way, coupled with earnings ability being reduced to single income. Now - pop quiz. Did my friend: a) Continue driving a high octane gas guzzler and simply assume/demand that "someone" would ensure he had continued access to fossil fuels at an "acceptable" price? Or b) Sell the AU, put the money to good use and buy a gemini for a few hundred dollars which gets him to work and back at a fraction of the cost which the AU did? Judging by the attitude of most AFFers, I suspect many may have answered a). I regret to inform you that this was not the course of action he took. He had a choice - and he chose to sacrifice his luxurious, leather-clad sports car and move to something more modest - for the sake of his family's disposable income. "If the government does this or if the government does that, then i'll be able to keep driving my 30 year old V8 hardtop/300hp BA/custom turbo falcon/tired, uneconomical XR6 for the same amount of money which its been costing me up until now". Wake up and smell the coffee guys. I know it cant be easy financially supporting a family in this day and age. I'm single (well, im not married) and look after my own affairs and.. to be honest... live a life of luxury.... renting in a nice suburb, cable TV, sweet job, gas guzzling cars, urinating money up against a wall.... but dont think for a minute i have a silver spoon because i put myself through uni (now lose $100/ft night through HECS repayments lol - that's the amount i used to live on when working 1 day per week when studying - including rent) and sacrificed a lot (days on end without food in the last year of uni) to get into the comfortable postion in which i find myself... This is a life i have chosen. If you have a problem with that, inform someone who cares. And it sickens me to see you attack shockwave PURELY because of the circumstances of his life. He doesnt provide for a family and has a living arrangement with his parents - and you see this as reason to attack him and discredit his opinion? Some of you should be ashamed. I certainly wouldnt be ignorant enough to judge anyone and their financial decisions... i dont judge anyone who has had a curveball thrown at them... but i'll be damned if im going to sit here and listen to everyone whinge and complain whilst doing nothing to help themselves. I guess to summarise my conservative ranting - play the hand you've been dealt, dont worry about what cards someone like shockwave has.
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01-05-2006, 11:45 AM | #98 | |||
FF.Com.Au Hardcore
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Location: Pakenham, Victoria
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My children will inherit my home when I die. I will educate them in the art of being a tight a*r*s*e as thats what it requires to get somewhere in this world. Hopefully they'll move into my home and use their home as a rental property (income) and eventually as the generations go on. One day one of my blood relatives won't have to work and will possibly be as narrow minding and blind due to being money rich. My parents are actually leaving me nothing when they die. They're selling everything but I think that's selfish. Someone has to look after the younger generation of our family and it looks like I'll be the one starting it. No-one else can see sense.
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74 XB Fairmont (street car) 11.07@123.02mph. 08 LV Ford Focus XR5 (daily). Tuned by Hallam Performance |
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01-05-2006, 11:50 AM | #99 | |||
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I still believe you make your own way in the world, expect nothing from no-one, if you get something its a bonus, it should NOT be expected.
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01-05-2006, 11:51 AM | #100 | |||
Back to Le Frenchy
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I drive an EL Gli that has 430,000k on the clock. It needs 98ron to stop it pinging. I live an hour (100k) away from work. I can't afford to buy a new small car due to the fact that I am paying a mortgage. No public transport availiable to me. So how am I being greedy by wanting fuel at a reasonable price? And before anyone goes on about finding a job closer to home or a home closer to my job, sometimes that just isn't possible.
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01-05-2006, 11:55 AM | #101 | ||
IT JUST GET'S BETTER
Join Date: Feb 2006
Location: Rum City
Posts: 1,081
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BRENX - I wasnt born with a silver spoon mate, I come from a family of 9 and on 1 income. So dont tell me I had it easy. I never had private education, I went to a public school. My family struggled and from time to time we went without a lot of stuff. I am where I am because I made the effort and put in the hard work. I own 2 homes in Sydney and a investment unit on the gold coast. Let me tell you I know whats it like to struggle
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You only live once --- so enjoy it in a 351!!!! --------------------------------------------------- [COLOR=blue]2006 SY Ghia AWD Territory - Black |
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01-05-2006, 12:00 PM | #102 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
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I'll give you an example (and no, nothing to do with petrol as I have accepted the cost of it long ago). Lets take Brenx to start with. His wife was injured through no fault of her own and can no longer work. She is entitled to a pension however cant get it as Brenx earns over whatever limit applies to means testing. Yet, come tax time, Brenx can not lodge a tax return in both names (splitting income) as that is not allowed. So the governements (all of them, this has been the case my whole life) get to double dip. They take Brenx's income as his wives income as it suits them (so they dont have to pay) yet take Brenx's income as his own come tax time (to maximus income tax). This is horrendeously unfair dont you think? Double dipping once again. My wife and I are in the same position too. Add on top a disabled child (yes, card I was dealt, I make no complaints) however, as it is a rare and "undocumented" condition he is not considered as "disabled as some" and therefore we have to foot most of the bills for it. Such is life... but not yours so why would you care? I'm just a whinging bloody parent. As for cars themselves.. I went a VERY long time without any sort of decent car. It is only now, as things get a little easier (hard work, smart decisions, lots of luck and many, many years of going without almost everything). I have earned my car now and my family suffers very little more than some time without me for it. Dont just assume we are all just sooky selfish pricks.
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01-05-2006, 12:01 PM | #103 | |||
Beaver fever
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Location: In the lunatic asslyum
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01-05-2006, 12:09 PM | #104 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Pakenham, Victoria
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I should also mention selling a home because you can't afford it doesn't stop any of the problems. Why? You have to live somewhere.
I'm continually giving my wife reality checks. She seems to think we can sell this house (it is on the market) and purchase another home and be home free. That's not the case. It might mean slight debt reduction but it's very minimal at the least. In some cases I could sell my 30sq home and move to a 20sq home but the mortgage would be identical. I'll stay in my 30sq home before I move into a box for the same $. Stamp duties and sale costs eat any money we would have made from the sale.
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74 XB Fairmont (street car) 11.07@123.02mph. 08 LV Ford Focus XR5 (daily). Tuned by Hallam Performance |
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01-05-2006, 12:16 PM | #105 | |||
FF.Com.Au Hardcore
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By the time im ready to have kids I will own my first property outright, as for my car i will always have a new car every 4 years on lease, i will never own a car outright which doesnt bother me. As i say we all have choices in life, some peoples might be limited while otheres might have an abundance of things they can do, but at the end of the day theres no point in whinging about petrol prices or how we are taxed, we just have to work harder to make up for it. You talk about going without things for a long time, did it make you want to work harder? I go without having things i want to, but at the end of the day atleast I know im getting somewhere, rather thing whigning my *** off because things don't suit me. Thats the biggest problem with Australians, everyones to use to the easy / good time life where all they do is sit on their asses all weekend drinking beer and watching tv, i know most of you are going to say you dont fall into this category which is fine, but i know alot of whingers who do just this who carry on about income tax and the rising costs of petrol. People also talk about Poliitical parties and their promises if they are elected to, but do they ever come through with the goods? Some cases yes but a large percentage of the time they are lies..
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01-05-2006, 12:18 PM | #106 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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I am not familiar with the personal circumstances of most people here on AFF. The health/otherwise of their children/families. Financial difficulty they may endure or the financial health they may enjoy. And as ive pointed out a few times - i would never, never, never judge anyone based on such information. Such as your example with (a member i have enjoyed many a discussion with ) Brenx. You would need a heart of stone to think such a circumstance was fair - and i imagine his situation would be felt all across our country... i dont understand the rationale behind means testing or the taxation system. I can only assume its a case (as in many instances) of the government addressing the abuse of pension/welfare systems -and as usual, the honest australian gets s-c-r-e-w-e-d over as the government attempts to cut off those trying to cheat the system. Yet another case of the minority of a-s-s-holes ruining it for honest australians. Id like to see the cheats and frauds of this country irradicated before having the government step in to intervene with the cost of fuel for australian families. Imagine what the honest people of australia could accomplish if we were not faced with the burden of covering the cost of those out to defraud the country for their own gain. Whilst my comments probably offend - that is not my intention. Yes i do have a narrow view of the world, as narrow as a view can get when discussing very complex issues. It's not that i dont care. I just dont see the government's role being one to step in and right the wrongs of the world. I sincerely apologise if anyone thinks i am attacking any specific member's personal circumstances.
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01-05-2006, 12:20 PM | #107 | |||
IT JUST GET'S BETTER
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Location: Rum City
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You only live once --- so enjoy it in a 351!!!! --------------------------------------------------- [COLOR=blue]2006 SY Ghia AWD Territory - Black |
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01-05-2006, 12:22 PM | #108 | |||
PM me if you want
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01-05-2006, 12:23 PM | #109 | |||
All Bran = Regular Member
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Location: BrizVegas
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But what you do not realise is that until you have kids, you have nothing. You may have to give up a tv set or exhaust or whatever trifles are important in your life but you don't have to wait for the results of your child's brain scan. Is it a tumour? Is it an essential tremor? For Christ's sake, is it something else? Will she live? Will she die? You also do not get a hug from your kids; you don't get to enjoy their wins and help them get over their losses. You don't get the joy of watching them grow and develop, nor the unconditional love from your young ones. Enjoy your trifles, they are obviously very important to you. I'm sorry for you that you have not had the pleasure of your own family. I hope for your sake that one day you get around to it. |
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01-05-2006, 12:25 PM | #110 | ||
FF.Com.Au Hardcore
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Location: Pakenham, Victoria
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Aussie's sitting on the watching TV or drinking beer all w/e. That's a big generalisation to make. Considering a large part of the Australian work force works part time. Partly due to full time positions not being available anymore. Those part time positions mean people are working odd hours 24/7. In my current position I work day shift, afternoon shift and nightshift. All in one roster. Pretty much at the same daytime payrate too. I'm going night shift soon but I still get payed the very same rate. It's a sacrifice that had to be made to cut our living costs down. I can reduce my childcare bill dramatically which some will be put into fuel bills and the rest into my mortgage. I'd kill to actually have a full weekend of work. I've just worked from Friday 10am - Sunday 7pm. I'm due to start work again @ 2pm and will return home @ 10:30am.
Only white collar workers work 9-5 and it's very rare at that. Most of the workforce are blue collor part time shift workers. Thank christ my night shift position is full time hours. I can finally take a day or weekend off work without being penalised for it.
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74 XB Fairmont (street car) 11.07@123.02mph. 08 LV Ford Focus XR5 (daily). Tuned by Hallam Performance |
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01-05-2006, 12:36 PM | #111 | ||
IT JUST GET'S BETTER
Join Date: Feb 2006
Location: Rum City
Posts: 1,081
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It seems as though no one has lived life until they have had kids - what a joke. Just because you have had a kid doesnt make your life any different to mine - I breath the same polluted air, I pay the same excessive petrol price, I have bills. If it is such a burden then why did you have a family. I am sorry for you ronwest that you might have a child with a health problem. but dont think that your the only one mate. Ohhh i dont have kids and I dont know whats it like.... why are you all so self centred. I must be living on a different planet. Just accept it. If your doing it tough and you complain about petrol prices and yet you go and buy a $25.00 dvd then I have no pity on you. If your like some legit people who can't afford a holiday or go with out something so their kid can have something, I feel sorry for you and I hope things will work out for you. Everyone of us are different and we all live our lives differently. I made the choice to make sure that I was well off before I brought a child into this world so that as a family we can enjoy life and not have to struggle. Some of my friends chose to do it the other way and they are struggling. I have a number of times helped people in times of need so dont go judging me becaus none of you know what my circumstances are.
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You only live once --- so enjoy it in a 351!!!! --------------------------------------------------- [COLOR=blue]2006 SY Ghia AWD Territory - Black |
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01-05-2006, 12:37 PM | #112 | |||
FF.Com.Au Hardcore
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nb : I don't take any of what has been said to heart as such. I don't mind a good debate. Maybe some have noticed ;) I'd rather paint a real picture than post what life isn't. I'm lucky I haven't done it as hard as my dad yet but I still have 30-40 years of working life to go. We'll see what happens I guess. The amount of users of AFF presents a variety of people from varying working backgrounds. Some can't see what's infront of their face till they are shown. Some forget life is full of surprises and not nessarily good ones. I don't regret having my children early in life as it'll pay dividends later in life when I'm around 45. I chose to not delay children for that reason alone. I didnt' want to have an 18yo child @ home when I was 55-60 and trying to slow work down.
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74 XB Fairmont (street car) 11.07@123.02mph. 08 LV Ford Focus XR5 (daily). Tuned by Hallam Performance |
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01-05-2006, 12:37 PM | #113 | |||
Beaver fever
Join Date: Jan 2005
Location: In the lunatic asslyum
Posts: 587
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Quote:
Seems to me that you where in fact putting families down. You may think that by being an outsider that you have all the knowledge on those families but guess again. There is always more that goes on that you will not know about. In fact it is starting to seem very clear in fact that this is not a family friendly forum, I feel rather that its just for those few elitist who think that having a family automatically makes us a target for people like you. You will learn one day and sadly you will probably be hit very hard by it. You need to see that just because as families we are not prepared to put our heads in the sand and hide out from it or work doubly hard just to get ahead, as people think we should do. We instead think of our children first. I know I couldnt imagine going back to work to leave my children unattended just so I could be rich in money like you ( as you make yourself out to be). My children are the world to me and so therefore I choose to fight tooth and nail to see that they get the best life has to offer. If that means kicking up a stink about people like you or the cost of living then I shall dam well do it. I refuse to sit back and bury my head in the sand so that people like you can kick me up the a r s e just so you can say that your better than every one else. Do you know what, It will be my childrens tax paying for your old age. |
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01-05-2006, 12:38 PM | #114 | |||||||||
FF.Com.Au Hardcore
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Thats the biggest problem with Single/childless Australians, everyones to use to the easy / good time life where all they do is look out for their own selfish personal interests and blame everyone else for having a whinge, i know most of you are going to say you dont fall into this category which is fine, but i know alot of single.childless people who do just this who carry on about how everyone should just get over it and grow up Pretty blatent stereotyping huh?
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01-05-2006, 12:40 PM | #115 | |||
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The guy doesnt think hes better then you or anyone else for that fact and nor do i, we are happy however to accept that the cost of living is bound to go up and theres very little that can be done with it, GET OVER IT! :monkes:
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01-05-2006, 12:47 PM | #116 | ||
Beaver fever
Join Date: Jan 2005
Location: In the lunatic asslyum
Posts: 587
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Actually shockwave you are one of those that are making this an unfriendly environment alone with djjase. He was and as I read it, making out that all families dont deserve to winge and complain. Oh and I dont need those box of tissues thanks, I am a mother of four children, one of which is lot tougher than you will ever be. He is the reason I fight every damn day. He has no speech and has to deal with people like you that think families dont have the right to fight for cheaper living. I am tired of not being able to afford to take him to doctors appointments because of A. the cost of fuel and B. the cost of doctors. But thats ok its my problem so if excuse me while I stand up and yell a few times, especially when I am dealing with people like you who think that you know all and have all the knowledge to show us usless parents a thing or two. Oh and by the way I think you should read my husbands post that is above yours two.
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01-05-2006, 12:51 PM | #117 | ||
IT JUST GET'S BETTER
Join Date: Feb 2006
Location: Rum City
Posts: 1,081
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Actually angry beaver, my taxes are paying for those lazy sods on the dole, my taxes are paying for health care of those on lower wages... why because I pay a crap load more because I am a single in the higest tax bracket. When i do my tax return I can't claim a child, I dont get any money from the Govt for a child or two. All of you who have kids dont forget that I am paying for you to receive that money so shut the up when it comes to petrol prices. You have no idea of what I was saying do you. Go back and read my very first post. Not once was I picking on you or anyone else in this forum. I stated the obvious - I was referring to families that I know of and have a lot of contact with. Why have you all just picked on ShockWaveXR6na and myself for stating the obvious - not once have we picked on YOU !!!! your all taking it personally when that was not nor never the intentions. Go and learn how to read and understand what has been written.
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You only live once --- so enjoy it in a 351!!!! --------------------------------------------------- [COLOR=blue]2006 SY Ghia AWD Territory - Black |
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01-05-2006, 12:54 PM | #118 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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"enough is enough" Is it? Is it really the government's job to 'step in' and take specific action to combat the price of an international commodity? I mean not to belittle anyone - but i dont see it as a realistic proposition. Sure, i'd rather not be paying $1.42 a litre to fuel a car that destroys 20 litres per 100km travelled... but anything the government can do (which i personally believe they should not) will be a short term solution. We WILL end up back at square one, with a massive hole in the budget (a hole which will be filled by removing public schools, hospital beds and welfare payments). In my opinion, a better proposition would be for us all to gear ourselves to cope with the new fuel pricing environment... but your preference appears to be for the status quo with state intervention to ensure that families need to make no adjustments to their lifestyle? I dont see either as being right or wrong... but i think ive made my preference fairly clear...
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01-05-2006, 12:56 PM | #119 | ||||
Back to Le Frenchy
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07 Renault Sport Megane F1 Team R26 #1397
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01-05-2006, 12:58 PM | #120 | ||||
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07 Renault Sport Megane F1 Team R26 #1397
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