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Michael Hardman

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Posts posted by Michael Hardman

  1. I'm considering selling my bike complete, the time might hae come to pack in riding seeing as I'm goin to be one of those pillarsof community as a teacher in about 4 months time.

    I just can't find time for riding and when I do like today in London I have a bad wrist/arm.

    I might let it go for £750 considering the spec and condition of everything.

  2. HAHA! I get that problem with l.a.f. When using a brake the arms rub the tyre don't they. Try putting 2 more links in, it will work fine then. I also have a egg in my wheel so it requires fine tuning. I don't bother though as it makes the wheel base too long and i have grown fond of short bikes now. I do run a different frame but the l.a.f and the S3 are actually the same but with the S3 being slightly weaker due to slightly thiner tubing.

    As for the hub, yes you can get the KHE EAS hub on the front. LINK

    [edit]

    sorry it's winstanleys again. they are just too big now.

    The tyre runs fine in the back now, last time I tried setting it up I had problems, 3 months down the line and it fits with a bit of room.

    Ordered new CVM pads or the yellow ones whatever there called these days.

  3. Stupid flood control. Now i'm here i can ask:

    How did your profile break but you radial laced front survived? Also lack of scratches tells me you had it on a mod before :P

    What forks are you running?

    The rear hub broke, the nut cold welded to the axle and I destroyed the axle to get the thing off, all started from a puncture.

    I sold the hub on as spares.

    O and bike looks clean as I resprayed everything black gloss black.

    and why ditch the bob bars ? they were spanky

    Wanted something a little lower and weighed less.

    I also have a thing with having Odyssey parts.

    Bars are for sale, advertised in a few places £40 posted

  4. I way prefer smaller seats on BMXs? Doing spins they're tucked out of the way, doing hops they're out the way, doing anything they're out of the way which is the whole point?

    And and and, seeing as I was a trials rider and Mark probably still is (I don't know) thats where our thinking came from.

  5. Don't raw it, blackand raw is getting boring and yes my bikes black and raw and I wish it wasn't.

    I'm brakeless again, brake pads are worn and wheels busted so brake doenst work very wel, add in no money means bye bye brake.

  6. Pfft, you got it too easy at uni. Tomorrow will be a lie in for me - I've only gotta be in at 9:30 rather than the usual 8:00 starts. I have to wonder what the hell arts students do with their time :P

    I have to be in for 9 on most days and with catcing the train in as I'm iving at home for my postgrad course means I'm up at 6.15am every morning and out the house by 7.15am to catch 3 trains.

    TdayI'm real pissed off as the Jubilee line was suspended as I got to the Stratford station then I went on the District line and as I get on there are servere delays joke.

    I'm at uni till 4.30pm most days so its a long boring day with wrk when I get home.

    I ave it hard for a year but I get paid for doing the course.

  7. I've got a lot to thank the arrogant and pompous twat that is Jeremy Kyle for, Watching his show at 3am and abusing him and his rants was a large part of how my g/f came to be my g/f :lol:

    On the plus side we have a tv in our rest room at work so if i'm working a late i can watch Neighbours during lunch :P Not quite the same i have to admit but it will have to do!

    3am oh the good days of being woken up by the fire alarm, not being able to go to sleep so off I went to the computer rooms to do my dissertation.

    Oh the memories, water fights, fire starting, drunkeness, back outs and booze, mooning from the wndow, cucking my tv from he roof (it was broken), riding ym biek in myroom the list goes on.

  8. It's a good idea to clear any loans (other than the govornment student loans) as soon as possible because:

    - They affect your credit rating so your mortgage offers will be affected. How much they are affected depends on the loan covornance (sp?) so it may not be much but it could be a lot.

    - ANY loan, including govornment ones, will add interest to account for the 'time value of money' ala inflation. At the minute, even on an 'interest free' loan, this will be about 3.2%.

    Now, if you have that money in a savings account, you could earn interest at 5%. But you have to pay tax on that interest (with the exception of ISA's) at 20%, so you only end up receiving 80%. Eighty percent of five percent is 4%.

    This means that, adjusted for inflation, you get richer by 0.8% per year of what you have saved (£8 for every £1,000 saved). I would say that it's not worth it, but inflation does vary.

    Don't get me wrong though, it's good to have money in savings accounts, just not offset against loan accounts, since it should be everyones priority to get out of debt.

    Compound interest adds up. Just make sure it's in your favor :P

    Yep I know I don't make much overall but the idea behind it was to have a nice lump sum of money to use a deposit as without it a 25k job wouldn't be enough for me to get a morgage on a house round here. is way I'll have a house that is mine and have the possibilty of renting it out if it has 2 bedrooms.

    I'l be on the propery ladder and as long as I have a job and in teaching I should have I should be fine for the rest of my life.

    Thats my plan and I'm pretty good when it comes to money and aving it, dont drink that much, no drugs of fags for me. All I have to do nowis stop buying Snap on tools as there for the furute but its not doing my walet any good.

    With the credit rating I should be fine as I only have student loans and as you said they don;t count, I was lucky enough to ave a job troughout uni and then several well paid jobs in the past year. I have no bank overdraft and my credit rating is fine so far. I found out te more you spend on your credit card the higher your rating and thats based on you paying it backon time every month, which is stupid. Yes it shows you can manage your money but so does not having an bank debt and never going into the red since I ad my own account and card form age 16.

  9. I graduated just over a year ago and I applied for several government jobs but didn't get anything so I went on a wonder and did nothing for a while before pulling my finger out my arse and oing to work voluntarly in my mums school. I realy enjoyed it so started to aply for part time teaching assitant jobs but it was always the same, ' great CV and covering letter but not enough experiance.' I joined a few agenicies and eventualy got work in a few schools, then I spent 5 months working with autistic children, that was an expaeriance and ahalf and I'd like to do it again but as the Special Needs Teacher.

    So I know I want to teach primary school and I'm busy doing my PGCE at uni, so hopefully tis July I'l be a NQT and be working in a school.

    I also learnt to save money at uni, how I don't knowbut I'm wel on my way to getting a foot on the property ladder, give it a year and I'll have my own house as long as I get a job.

    Grab everyday at uni like its your last once you leave you'll seriously miss it, I do and maybe if I one day win the lottery I'l quit my job and go back to uni to study.

    I feel like since i'vebecome 18 everything has gone really shite with regard to money and such. I earn £80 a week and am expected to pay for dentist bills up to £76, meaning if i go to the dentist one week and need serious work done ill have £4 for the rest of the week. Good one government..

    Tax, bastards took £80 off me a while ago for no reason, I still havn't got it back, where has that money gone?

    I do want to go to uni, but also am scared of the fees and debt ill leave with.

    I found out something intereting when applying for my postgrad course, stundent loans are not like the other type of loan. Interest on them is lower than the interest yuo could earn if you put the money into a savings account. Also in my case the loan I took out has 25 years to be paid back and then the remains disapear for good. So I'm taking full addvantage of tis and taken out every stundent loan possilbe and putting them in a high interest savings account knowing full well I will never pay back more than 1/3 of the loan before it is cancelled.

    In the meantime the money I save is going towards my deposit on a house so in the long rn I'm financially better off, than I would be if I didn't take the stundent loans.

    Confussing I knowbut I heard it from an experianced accountant and its al written down somewhere so just search.

  10. Like many of you I go out todrink to catch up with my uni friends and even though were out all night we all still come home in one iece and without causing a nuance. I just think its sad that people go out to get trashed on drink.

    Make booze cheaper, legalise drugs and maybe mother nature will do the rest and rid society of the weak.

    orry I'mback to my old crazy ideas.

  11. Up drinking age to 21 to stop the 16 year olds getting in on it as easily

    Up taxes on drink and fags so I don't have to give 22% of my hard earned to all the people in hospital from drinking too much or getting injured because of drinking

    Put all alcohol in cans or plastic bottles, I'm fed up of smashed glass bottles everywhere, it does my nut in

    I agree with the lastic bottle idea.

    Up the age to 21 and come down harder on the people that se to under agers and the ones thatare of legal age that buy for them.

    My local has a major problem with underage drinkers, they've been warned enough times and its only a matter of time before their closed down, otherise its a descent gaff.

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