Retro Gamer Stuff

@V1RACY @Uncle_Jody @TheRetroHQ The saturn modchip that was the only modchip solution for many years. I'm not sure how anyone thinks I'm making a bunch of phantom consoles to resell.

@Uncle_Jody @RetroGamerStuff @TheRetroHQ Or Phantoms as in the slow motion cameras? I’m not sure what kind of Phantom the seller has.

Store has now been inactive for just over a year, so we have completed our obligations for warranties. The shopify will now be closed down and removed from the site. Is there any interest in the phantom still? If so, we may put up a basic way to order those only. Let me know!

@username_gone I don't think so. I'm pretty sure they got thrown away! I will check when in the office tomorrow though what's kicking around.

@RetroGamerStuff Just curious if there might be any N64 Advanced FFC cables left?

@natalie_thenerd *laughs in metcal*

Potentially? controversial opinion: If you aren't changing your soldering iron temp often, you're doing it wrong

👀 👀 Got some omvs pcbs (you will need to acquire the other components), bulk dreamcast bios chips and a bunch of phantoms to clear out. Crypto payments only. If interested, send me a message. Might be few other last things as we clear some left over boxes.

@Ailurophileoo @robo_is_back @Iromg @SonyUK @currys Mine was 5 years and like 10 months in, I got store credit for about 80% of the price I paid. Richer sounds everytime for a TV.

@robo_is_back @Iromg @SonyUK @currys The warranty depreciates though. During year One – full value During year 2 – Original retail less 20% During year 3 – Original retail less 30% During year 4 – Original retail less 40% During year 5 – Original retail less 50% During year 6 - Original retail less 60%

When you pay £1400 for a Sony Bravia TV you don’t expect it to stop working after two years. You would also think that @SonyUK would fix it for free. But they want us to pay for their shoddy goods. Unfortunately @currys aren’t any better. Customer service shambles all round. We shan’t be buying from them EVER again.

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman @12 You have kinda hit my point I was trying to make. It's not the huge massive leap everyone's making it out to be when they post the graph due to interest rates being much lower. Never said it's not worse now, but the wages vs house price graph makes it look far worse than it is

@thatsnotmine125 @RetroGamerStuff @CFCCFC43096628 @Jenny_1884 @Stefreeman I guess it’s deposit size and monthly cost. Deposit = much bigger now. Monthly cost - average house 1975 (@12% interest) 30% total average household income. Now - 40% From 75-85 that % would drop quickly after purchase due to wages/inflation. Now it would remain very high

It’s amazing the amount of people on here that appear to think pensioners had it easy. When I got married we scraped enough money to put a deposit on a 1 bedroom flat. Everything we had was second hand & clothes were a luxury & waited for Xmas & birthdays. No holidays. Never went out to restaurants as couldn’t afford it so cooked meals from scratch. We lived pay packet to pay packet. So no we didn’t have it easier we just had different priorities, saved up until we could afford to buy something & got on with life with no free handouts.

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman Anyways, done with this now. But nice to be able to actually discuss a topic without it descending into insults or name calling. It's like the Internet of the old days 👍

@RetroGamerStuff @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman And that’s average wages, no promotions or pay increments.

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman Wages vs house prices not kept up, which is what everyone is saying. But the point is, houses were cheaper but mortgages were not. You paid far far more back than the listed price then vs now.

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman I mean, that's not what happened at all. Buy a 50k house on 10% interest rate means you pay about 3x the purchase price. 250k house on 3% means you pay 1.5x purchase price. Hell interest rates were 1.x not long ago.

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman But that 50k house at 7.5% interest actually cost you 125k in repayments. 7.5% is generous as that's actually very low historically during boomer era you are all moaning about. So it actually cost even more. Low interest rates are a very recent thing.

@RetroGamerStuff @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman If you buy a more expensive house (say 20% more? Then… your 50k has become 250k, and a house worth 20% more is 360k. Your 10% equity in a 50k house has become 70% equity in a 360k house. Because wages and house prices are keeping pace in the 70s you are better off.

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman You bought a house, it "gained", but if you sell the same house costs what you sold it for. There's no gain. So this is a poor line of reasoning. The real question is ease of buying a house but as per original point, people have no end of "essential" luxuries, which was ops point

@Benjibontheta @thatsnotmine125 @CFCCFC43096628 @Jenny_1884 @Stefreeman "Value" of house only realised when you sell. When you sell, other houses also now cost more as gone up. It's not like you buy at 50k, sell at 300k then buy another at 50k. So, what "gain" have you got?

@Benjibontheta @CFCCFC43096628 @thatsnotmine125 @Jenny_1884 @Stefreeman Found a mortgage one that shows before the 90s, before someone moans about it being bank base interest rate rather than mortgage.

@Benjibontheta @CFCCFC43096628 @thatsnotmine125 @Jenny_1884 @Stefreeman

@SeeDeeMcLeod @Jenny_1884 @Stefreeman Interest rates are basically the opposite of house price increase graph. Easy access to money (unlike the boomers you complain about) is more the driver of the problem. Also shows that while house prices were lower vs wage, mortgages were not so maybe not as easy as you think.

@SeeDeeMcLeod @Jenny_1884 @Stefreeman Now do a graph with interest rates over the top.

@Benjibontheta @CFCCFC43096628 @thatsnotmine125 @Jenny_1884 @Stefreeman Im literally of the generation that's complaining, yet I own a house but I grew up very poor, people complaining today have phones, Netflix, coffees and no end of modern luxuries. I grew up with quite literally nothing. What people consider "tough" today is an utter joke.

@Benjibontheta @CFCCFC43096628 @thatsnotmine125 @Jenny_1884 @Stefreeman Yet everyone says wages didn't keep up. Pick a lane. 10 years isn't short. Going from 7% interest to 18% interest within 10 years is mental and lots of people lost their houses. My dad lost his entire business in the 80. It's easy to cherry pick a graph with data that suits you.

@Benjibontheta @CFCCFC43096628 @thatsnotmine125 @Jenny_1884 @Stefreeman Interest rates were 7-8% in the 70s on a mortgage, then hit around 18% late 70s. So while wage vs mortgage amount was better, the interest rate was terrible. This is why people can borrow a higher multiple of their wages, as they are paying less "extra" back through interest.

@CFCCFC43096628 @thatsnotmine125 @Jenny_1884 @Stefreeman Whatever you blame for it, it’s a totally different situation.