Crouchie's Lawyer

you may wanna post a link???

for double posting/not being cool. Im sure you will get a few mill! :smt042

Sue me

Ah, but you would be risking ending the world. If she has to always land on her face and the cat on its feet / toast butter side down, then they wont land, Physics will be defied and we will all be swallowed up by the black hole it would create!

:smt042 just a 'friendly' kick, nothing more... What did they do to him for god's sake?! Dirty buggers!

http://uk.news.yahoo.com/4/20081125/twl-police-probe-attacks-on-redheads-41f21e0.html In all seriousness, Robsk... are you ok??? Just checking it wasnt you mate...

Was wondering when it would finally die... would be good to see if some of the regulars swallowed their pride/bitterness and joined here though as they are quite funny

Centre of gravity Im assuming :smt102 normally the heaviest part lands first, in this case, it's the ugliest part!

*cough* Andrew Davies *cough* I'd hazard a guess we probably made a loss on him with the sell on fee M'boro no doubt included.

Sadbo

A brief look at the market (I just checked HSBC, Abbey, Halifax, C&G, Woolwich, Alliance & Leicester, Chelsea & Nationwide) shows that since the BOE has been reduced by 1.5%, a lot of lenders have pulled all their tracker rates which are anything below 1% above base (if that makes sense) and replaced them with quite high rates. Lenders are discouraging clients choosing BOE trackers as they know they will make a loss on the mortgages if BOE continues to fall. They are doing this by trying to increase the initial rates, although there are still some bargains to be had out there, especially if you have a lot of equity. They are trying to get people to take out fixed rates so they can budget their money accordingly and benefit in any reduction in LIBOR while not having to pass interest rate cuts onto those on fixed rates. Abbey offer a 2 year fixed rate of 4.49% with a £995 fee at 60% LTV (Loan to Value) or 4.54% at 70% LTV with the same fee. Alliance & Leicester are offering a 4.49% 2 year fixed for up to 60% LTV with a 1% (of the amount you borrow) fee and a 4.79% 2 year fixed for up to 75% LTV with a 0.75% arrangement fee if you have or take out one of their Premier Accounts. The Woolwich have a few good ones too of note, namely a 3.99% fixed rate for 1 year, then tracks the barclays base rate (would need to check if this changes in line with the bank of england base rate) at 1.99% up to 60% LTV with a £995 fee. Or 4.49% fixed for a year, then 1.99% above BBBR for up to 70% LTV with a £995 fee (or no fee if you dont wanna pay a fee and up to 60% LTV) Lowest Term tracker I can find, is still with HSBC at 0.99% above Base, but requires 40% equity in the property, and has a £995 fee. This has changed from the, up to 90% LTV with a £599 fee for a 0.79% term tracker I got a few weeks ago. Hope this info helps people

Yesh we can! (Said in an Obama way) I'm surprised it's still on the Toob as there is a bit of porn at the begining and him in the bath w*nking! By the time I get home to listen to it, no doubt it will be removed from toob

Would your answer be 'I would' to most of them?

God damn being at work with no sound. Looks funneh though...

Sorry mate but this is wrong. Most Trackers do not have a base cap. Although I feel we may see a lot more of this in the coming months with lenders not wanting to lose more money borrowing £x at x% LIBOR and having to lend it on at a lot lower rate all because the BOE has reduced and LIBOR hasnt. My tracker has no bottom cap (Ooh err), it may well be that I have been lucky, but my advice would be to try and find one without a base cap. Although the rate you are paying is very low (0.28% above Base) so it may well be that the benefit you get is a lower rate (0.28% above) but the fallback is that there is a bottom line cap?

No offence taken H, but the world of mortgages is a very complicated one, and the 'middle man' often offers a service which explains the in's and out's of a certain deal. Its all well and good doing it yourself, even with a guide, however, do you really understand all of the jargen? I mean, if it were this simple, then sureley everyone would be CeMAP qualified? There will always be people who are financially astute and lucky to boot, managing to get themselves a good deal, even if they have limited knowledge of the mortgage market/products, but for every one person who does this, there are tens if not hundreds who just renegotiate a deal with their current lenders because they are not aware of what is available to them, unsure of how to get, or too lazy/dont have time to change. The above part of your quote which i have highlighted (and there is no offense intended here) just goes to show the misunderstanding people have. I said a tracker rate is above the Bank of England Base Rate, not the lenders SVR as you say. I said any rate which follows a lenders SVR is NOT a good thing at the moment. And I currently work in Air Conditioning (although in the process of setting up on my own, but this wont be for a while yet) so am not looking at soliciting business, mearly offering a few helpful tips to fellow Saints fans! I have nothing to gain from this and you will find that the FSA strictly monitors brokers, stopping practises like favouring a particular lender due to higher commission anyway. This stopped years ago and goes to show how much bad press can affect an industry. Capital One for example always rave on about their fraudulent use policy whereby you will not be held liable for money fruadulently added to your credit card. This is a spin on the general public opinion. Most if not all banks will do this, but they do not actively advertise this, meaning people will take out a Capital One card, thinking they are safer with it. And to top it off, most high street lenders pay the same commission anyway, so a recommendation is based on needs and circumstances as well as best product, rather than because it will put extra £££'s into people pockets. Being completely honest, prime, high street mortgages are not very commission friendly anyway, its actually the insurances brokers make their money on, not the mortgages. The rate I pay is 0.79% above base rate. The rate you will be paying, albeit fixed for 3 years is 4.94%. Base rate would have to increase by 5 points for me to be paying a higher percentage than you, and although base rate has recently fell by 1.5% and prior to that 0.5%, generally, it only decreases/increases at 0.25% a time unless something major needs doing (like shown recently). My advice was that I recommend people to take out a tracker at the moment with no ERC's and sit tight watching what banks do with their Fixed rates (which is dependant on the LIBOR rate, which in time, should hopefully come down, meaning fixed rates should come down too). I see (along with hundreds of economists) interest rates going nowhere but down next year as the decrease in VAT is not going to get people spending as much as the government think it will or hope it will. The only way to encourage spending is to reduce rates so people have more money in their pockets (if their mortgages go down) and discourage people saving (as the interest rate received will be cr*p). The second part to my advice is that once rates do get very low (and it is a question of timing, but even if you get it slightly wrong, you will still be better off than fixing it now) to fix it at this point. using random figures, it rates fall to say 2.5%, ill pay paying 3.29%. If there is a fixed rate available then of 3.94% ill take that. Ill then have had the advantage of not only having reductions in my payments when rates fall, but fixing it at a lot lower percentage than rates available at the moment. As I mentioned previously, different people have different situations so some people would be suited to a fixed rate, but IMO, if you have no preference for a fixed rate, then trackers are the way forward for the moment. No offense, but dismissing advice from someone who has market knowledge and experience is very niave. You wouldnt dismiss the help from a dentist and drill your own teeth would you? Even if you had a guide on how to do it. 4.94% is a good fixed rate yes, but based on how rates have been/state of the economy over the last year. If 6 months ago, you offered me a 4.94% 3 year fixed rate, I would have snapped your finger off quicker than anything, however, I have been very lucky personally with rates changing just before my fixed rate came to an end and as such have had a better look at what the economy is doing/going to do in order to base my decision on what I think will be a beneficial rate for me. Ask me a year ago and I would have told you I would never take a fixed rate, which goes to show, how much i think I will benefit by doing this. Like I said, i have no gain from giving this advice, merely helping fellow Saints fans, and anyone with any other questions, feel free to PM me, or leave a message on here. Ben

HSBC, although they did pull the deal shortly after, but I am unsure what they replaced it with? They seem to be one of the better lenders out there at the moment IMO.

2.5% VAT is pittence. Its only really going to be noted on purchased of thousands rather than your typical xmas shopping. I for one have not got up and decided to spend extra because of the additional £2.50 I will save if I spend £100! They need to make cuts propper or do it in another area, and whacking taxes up on Petrol is a major no no, having just been stung heavily after petrol prices where at their highest ever, when they start to fall, the government whack taxes up. This is possibly my main negative, Labour have lost any vote I would make in the future now.

made me :smt042

Likewise. How old are you Ozz? I went to Itched too and used to drink in there at lunchtimes sometimes, nice pint and chips! There were a few college parties in there whereby it trailed on into the night and apparently a few of the regulars never liked the student and after the majority of people left, it kicked off with a few students being done over.

Then climbed back up and fell off again... Why does this 'thing' try smiling? It's hideous

Bojjer and Bajjer

I have two female cats called Poppy & Lilly. I wanted to call them: Mungbean and Beanhakker. Other girly cat names: Ivy, Holly, Rose, Daisy (see the theme here?)

Hi guys, shifting a few bits and bobs which I havent used lately to raise a bit of money for xmas & my holidays. Special 7.5% discount from the final sale price of any auction a SWF member/registered user wins, just send me your username when you win via 'ask seller a question' and ill recalculate the total for you (-7.5% discount!) First up we have a slimline Sony PS2 with 10 games, 3 controllers, PS2 Mic and loads of playable demos. Auction stylee so get bidding (think its currently at 99p!) Comes in excellent condition all fullly boxed. http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140284383872 Next we have a 'Fairground Mini Grabber machine'. Enjoy the thrills and spills of the arcade right on your desk or in your home! Can be filled with mini toys or sweets and comes with plastic coins (or you can use real ones). Again, currently only 99p! Only used once, so mint condition in original box. http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140284389162 Next we have the Russell Hobbs Temptations chocolate fountain. Brand new in box, never been used or even taken out of the box! Perfect for partys and the like! Buy it now for £12.50 or bidding starts at 99p! http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140284392635 J-me 'his' key holder. Never lose your keys again (please note for legal purposes, you may well infact lose your keys again, even with this item, this is because you are forgetful and not due to a faulty product! ) with this handy key holder. Comes with its own key which you attach to your own. Not boxed but in good condition. Requires 2 screws to fit to wall. Currently only 99p! http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140284139507 Napoleon Dynamite talking doll. Says a load of different phrases from the film at the touch of a button. Very funny item, perfect for the work desk. Buy it now only £7.50 or bidding starts at 99p. http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140284156205 Also for sale is a Braun Tassimo coffee machine. Only used a few times and includes loads of T-Discs, mint condition. Looking for £55.00 for this, apparently they retailed for £169.99, however Braun have replaced this model with an inferior/cheaper one. http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=140284632366 There are a few other bits and bobs too, so once you are there, please look at my other items, they include: Nokia 6280 Box & Accessories (No phone), Dual shock USB PC controller (identical style to PS2 controller), Bluetooth dongle & CD ROM, 3 x Canon BJC-2100 ink cartridges, Brother HL2030/2040/2070 ink cartridge, HP LJ 5L ink cartridge and The Turds - Adolf Sh*tler figurine. Collection welcome (which will save you the postage cost too as well at the 7.5% discount), I live in Fareham. Thanks

I did tell you...