Thread: What is Your D-to-I Ratio?

Originally Posted by Sir Burr

A matter of cutting off your noise to spite your face.

In a nutshell, you have nailed my character.

Originally Posted by AntRobertson

Originally Posted by Milkman

Rent is making a cash payment for a service you're using - a place to live. There's no interest. I pay 1 month ahead. I have 0 debt at the moment.

All very well, but it's included as "debt" for the purposes of the calculation. It's an on-going expense whatever way you look at it (rent at least).

It's an expense, not a debt.

Originally Posted by Milkman

Originally Posted by AntRobertson

Originally Posted by Milkman

Rent is making a cash payment for a service you're using - a place to live. There's no interest. I pay 1 month ahead. I have 0 debt at the moment.

All very well, but it's included as "debt" for the purposes of the calculation. It's an on-going expense whatever way you look at it (rent at least).

It's an expense, not a debt.

Well then, I suggest you edit your OP where it is specifically included.

Your in the esame town for Chists sake, why don't you two knob throttlers just ring each other up and discuss it?

^ Well, I stand to be corrected. I'll include my rent as part of my debt-ratio.

Originally Posted by peterpan

Your in the esame town for Chists sake, why don't you two knob throttlers just ring each other up and discuss it?

Ahh, would that add towards post count?

Originally Posted by Marmite the Dog

Originally Posted by ChiangMai noon

They want 4,800 baht for someone to do an estimate of the land value. Of course there is no guarantee of a loan after this estimate. Taking the piss i think. I told them to bugger off.

I must assume that you've never had a mortgage before.

ya know MtD some like our northern bro are used to the sub-sub-sub prime schemes and are not use to getting loans the normal way, matter o'fact if some here ever got approved for a loan, the run on Northern Rock'll look like a picnic

and yes I am debt free and liquid up to the gills ... gin, glen, bia

No debts, good asset, but no cash.

Originally Posted by peterpan

Your in the esame town for Chists sake

Eh? I thought Milkman lived in the US.

Originally Posted by AntRobertson

Originally Posted by peterpan

Your in the esame town for Chists sake

Eh? I thought Milkman lived in the US.

Good one. I know you iz joking.

I'm in South East Asia.

Originally Posted by AntRobertson

Originally Posted by peterpan

Your in the esame town for Chists sake

Eh? I thought Milkman lived in the US.

Was talking about you and yr sheep shagging mate from Wales

Originally Posted by Milkman

I'm in South East Asia.

You are!? Now I'm bloody well confused! Oh well, little change there then...

Originally Posted by peterpan

Was talking about you and yr sheep shagging mate from Wales

You were!? He calls me all the time. Doesn't talk. Just heavy breathing.

Originally Posted by ChiangMai noon

Originally Posted by peterpan

Your in the esame town for Chists sake, why don't you two knob throttlers just ring each other up and discuss it?

Ahh, would that add towards post count?

I bet you are the type to mark down every fvck you have,
Are you up to 5 yet ?

Originally Posted by Milkman

Why did you think I was not in South East Asia?

Now that you ask I dunno really, just the impression I had. For some reason I had it in my head that you were back living in the US after having been here.

^ No problemo.

Penny wise pound foolish...thats me.

Always have been, and always will be

Shit...I'm a poet

just didn't know it.

Heaps of debts but heaps of income because of those debts so it's all good

^
don't suppose you'd like to lend me a little bit?

pm me if interested.

^^
I wish I could be like that.
You really can't get filthy rich without borrowing money, which I refuse to do.

Originally Posted by ChiangMai noon

^
don't suppose you'd like to lend me a little bit?

pm me if interested.

I just lent a stack to my brother and he is paying me 8.5%. Wouldn't it be cheaper to go to a Thai bank?

^
yeah, but they want 70 of your British pounds to estimate my land and I have cut off my nose by having told them they are being silly.

If I had monthly debt repayments of $10,000 and monthly income of $20,000 I would have a d-i ratio of 50% (bad?) but I would have $10,000 a month to burn (sounds good?)

Debts = To much to count.

Asset = To much to count.