Crouchie's Lawyer

S13, I would edit post 16 if I were you...

Only the welsh.... Born on my birthday too. If she expects a jury to believe she had it without realising, she must be stupider than she thinks. A lot of women go through immense pain at child birth, more pain than your average 'hard sh*t' so I fail to believe her 'story'. She flushed it because she was fearing being caught out and was too stupid to come up with an idea in the 9 months or so before hand which she had time to plan. Suspended sentance is IMO very light.

God damn it you f*ckers. I really wanna buy this game but it would be a relationship killer and my Mrs is not happy with me already at the moment! So tempted...

Good good, I enjoy our little banter wars too.

:smt076 You respond with such venom though... :smt042

Robsk getting pwned in 'didnt read my thread PROPERLY' shocker MB its spelt c|!toris...

:smt042 *Hit a nerve? *Too close to the truth? *Cos its true? (pick one of the above)

Sorry, I was doing a 'Robsk' on you there!

Im sure you will learn one day Robsk... Yes I know you were referring to the spelling

:smt042 ok Ginge

Bold or bald?

Ta daa! Ginge spotted it

Just to clear it up... You find her attractive then?

Bully :roll: Hmmm, supply and demand..... there is a joke in there somewhere!

Ill get in there before any one else does... Cum conosseuir? I saw that one a few days ago, wondered how they do it?! So if it predicts time, but doesnt show weeks, does it just go by nearest month??? :confused:

Yes I can read, however; I had started typing my response before you edited your original post...

Do you not have a season ticket though?!

Sorry mate, Im broke at the moment, get paid Friday so can lend you £40 next week +1 on that Calvin. Bates you just need a bit of confidence. Its all about self belief and you always seem to put yourself down which you shouldnt do. Just try it next time you're out, it will work.

Trust you to find that Robsk! :smt042 and you say I am pour homme! This extract from the description made me lol though...

Whats the situation with Pulis then? I thought he was on loan? Was he a make-weight in the Davies transfer and is infact our player? Crap investment if this is the case, I know he has been injured, but from all accounts of what I have heard, he wont walk into our team.

Hows things with teh Mrs mate?

TBF, if you are looking for good deals, Fixed rates are NOT the way forward at the moment. Everyone's needs are different. A first time buyer for example, will probably be more suited to a fixed rate, knowing what they will pay while they find their feet with household expenses etc. However, with rates as they are currently, and what economists predict will happen next year (down to 1% base rate some have said) I see no other product than a tracker product being the 'best deal' at the moment. My personal advice (I am a qualified mortgage advisor), is that if you can afford payments on a mortgage around the 5-6% mark then go for a tracker. BUT do not take out one with ANY early repayment charges (ERC's). I have just come out of a 3 year 4.89% fixed rate which served me well (being a first time buyer 3 years ago) it has worked out nicely in the sense that rates have always been above 4.89% (pretty much) since I took it out, and now they are lower than this, my rate has ended. I have taken a '0.79% tracker for life' meaning I am currently paying 3.79% and whenever base rate changes, my rate will change striaght away, regardless if the lender wishes to pass on any cuts or not as a tracker is not affected in this way. When rates bottom out at their lowest (and it is impossible to accuratley predict, but economists normally get it about right so just make sure you check economist reports every few months) this will be the ideal time to fix your mortgage as rates should be a lot lower then. At that point, fix it for as long as you care (I personally would look for a 5 year minimum) and sit back and watch as Base Rate increases while you're on your nice low fixed rate! Im not poo pooing your advice Hamster as everyones situation is different. A lot of people like the peace of mind and security a fixed rate offers, but for those who are willing to take serious advantage of the rates out there, look no further than trackers. A word of warning, lenders 'discount' rates maybe slightly more attractive at the moment than tracker rates, however, with a discount rate, this is discounted from the lenders Standard Variable Rate (SVR). The issue at the moment is that lenders are not reducing their SVR's when the BOE is reduced, so if you take a discount rate, you may not get the full (if any) reduction in the BOE fall passed onto you. A tracker is directly linked to the BOE so any reduction will affect your payments straight away. The reason why fixed rates and discounted rates are not as low at the moment is that lenders borrow from each other using a rate called LIBOR (London Inter-Bank Offered Rate). This rate remains stubbornly high at the moment, reflecting the lack of confidence banks have in lending to each other (as they are worried about where the bank they lend their money to will in turn lend it on). This means when BOE reduce their rates, they make a further loss on variable rates. For example... Barclays borrow £100k for Joe Bloggs' Mortgage from HSBC at 5% LIBOR. If they charge 5.25% to the client in the form of a 'Tracker + 2.25%' they are making a profit of .25% on this mortgage. If BOE reduces by 1% down to 2%, the rate the client is paying is only 4.25%. If LIBOR only reduces by 0.5% to 4.5% Barclays are paying 4.50% for the £100k, while only receiving 4.25% so making a 0.25% loss. If this was a discounted rate, lenders do not have to drop their SVR which the mortgage is discounted from, for instance Barclays borrow £100k for Joe Bloggs' Mortgage from HSBC at 5% LIBOR. If they charge 5.25% to the client in the form of a 'SVR - 0.75%' (assuming their SVR is 6%) they are making a profit of 0.25% again like the example above. If BOE then reduces by 1%, the lender is not oblidged to pass this onto the customer. So they are not making a loss, what they are likely to do, is only pass on the saving in the reduction of LIBOR. If LIBOR reduces by 0.50%, then they are now making a 0.75% profit on the mortgage, so they may pass on this saving to the client to maintain their 0.25% profit, however, passing on the full 1% reduction would see them making a bigger loss which is why banks are not doing it. Im sorry about the length of this post, however, hope it helps a few people in making a decision. Before I worked in mortgages, I knew how daunting they were and if it helps a few people out then great. If you have any questions or wanna run anything by me, feel free to drop me a PM.

Still no Ho? Uh-oh! Things that are more expensive than Pompey FC... Asda 'Shades' toilet roll, 2 pack £1.06 Ecover Liquid toilet cleaner 750ml £1.10 Silver Spoon Caster Sugar 1 kilo £1.22 Bottle of Coca-Cola Share size 1.25L £1.17 :smt042

Ill find you, where ever you run, where ever you hide!!! :badgrin: Im.so.bored.already.