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Thank you all very much! Hay said i should log on ... sorry i have not been on in a long time. Gave up on computers ... wasn't my strong point eh! :D I have just retrained as a primary school teacher! yey ... passed n got the certificate last week! so should have done this years ago. luv ya...

Happy birthday hay! hope your good! I'm in Dundee now! million and one things going on . gone one, give me a text sometime if you want! Lynsey x

oh and here is my other project! :rolleyes: all about that property thing!!! www.bgapart.com (still working on the site but its up and running for info) bought it at the beginning of the year and its looking great! mostly rented it out but still have a few weeks to fill. I'm going there next...

sounds like you guys are having a ball! :D I really meant it when I said you can stay here Tess! Scotland is a fantastic place to visit, the veiws and air and everything is just brilliant! I'm planning on coming over to the states next year for a couple of months june july time! So this has...

Tess! Come to Scotland, Stay with me!:eek: :D more than welcome honey!

we pay out so much, income tax, national insurance, council tax bla bla bla and I just don’t see where it goes? I think our system would work if someone would start taking control of the spending and buy the right things with the money and not pay millions and millions of pounds for a Scottish...

I helped her fill out those forms col and she is only suitable to one of them at the lowest or medium range or something, so me being me i appealed nicely! then they were not going to give her anything so i went nuts and they left it!!!!!:mad: :mad: She has a disability card and everything...

sorry! don't take offence!

Thank god that it is free too! I would be soooooooo scr3w3d otherwise! I actually didn't know that it wasn't free down south!!!!???? that’s crazy stuff. On that note... I was reading the newspaper the other day and it was a big thing about reducing benefits! My initial thought was YEY...

Col,Rich sorry about your mum's :( I'm quite glad i read this thread! I have been dealing with my gran (who is in a home now) for the past 2 or 3 years and i noticed twice now what i thought may be a baby stroke! not a full one but a small one! One time i demanded that she be looked at and...

hay! are you looking at this?

:eek: hmmmm all very good food for thought! My intention (after a good investigation) is to remortgauge my flat in Edinburgh (10 mins away from center) and with the equity buy someplace else preferibly outright. so then i will have a 100% mortguage on my flat in edinburgh but no mortguage in...

thanks selenau just for info whats a 401K? :o

Property anywhere! I simply mean should we save up money or invest it in property. Doesnt really matter where you save it ISA or savings ac, do you save it up or invest in property? I own my flat, and i own my house (with warren) i have equity in my flat and would like to take out the extra...

Good Idea; Bad Idea Do you think its better to invest all the money you have in property (if you can) or keep it in a savings account?

Not really no! :eek: :D i would imagine the people whom i gave my address to would be the type of people i wouldn't mind coming to my house! Might have to pitch a few tents in the back garden to accommodate but hey! Might be fun! As for breakfast, well i would most probable do that anyway...

mmmmm.... ok then!!!!! :confused: :rolleyes: .... I suppose a lot of people come on here and tell us a load of old rubbish, but, i think for the most part people reveal bit by bit the real life they are living and about themselfs and family! I feel like i know a few people quite well here, i...

i'm me! heeeheee:eek: :D im exactly the same on here as i am every day! AND im nuts enough to advertise my name address car and photo all on here! but thats me! i know that i would not use any of the other people that have done the same's information for bad so expect they wont use mine! I...

happy birthday. :D

The kitten one was cute! (no-one mentioned that one!!!!) **don’t take this the wrong way, its aimed at the general lot of us. ** I wanted to say this for ages but never bothered cos I didn’t want to offend. **was going to say please don’t hate me for this but kinda feel like oh well hate me if...