Whitey Grandad

Good, panic over but these things are a worry. It does sound like you email server people, have you tried a look at the support pages on their website for a log of their problems?

Might it may be a problem with your mail server?

My daughter and her husband started by renting a house (North Bristol). It was constantly damp and needed work done on it but the worst thing was that at that time the prices of the houses that they were looking at buying were rising more in a month than they were paying in rent.

True, but if house values rise then your equity in the property will increase but the loan stays the same (or reduces gradually, at first).

Mmm... Do I detect the first signs of dependency here?

Yup, he's crap. We need better.

Maybe it was in one piece when she put it in the Jiffy bag? I've received lots of broken stuff like that

Prime Minister

Has he just been told that he's doing us on Saturday?

I started reading that and didn't look at the date until I saw the 'struggling Southampton' bit.

I was born near there in the North Middlesex Hospital. All my family were from Edmonton, Enfield, Ponders End. My wife is from Barnett. When I finished university I was determined not to live in London, thank you very much.

"Common Purpose" (or Joint Criminal Enterprise) apparently: http://en.wikipedia.org/wiki/Common_purpose

Life doesn't revolve around pubs.

I don't think the sceptical viewpoint has ever changed.

That's unusual and unfortunate, a lot of providers let you pay off lump sums up to an annual limit. Still probably worth putting some away every month and not touching it for a year. You're quite right though, early repayment of some capital can drastically reduce the interest paid.

Quite common round your way, is it Pap?

Do they need Lambert? http://www.dailymail.co.uk/sport/football/article-2535115/Sam-Allardyce-closes-West-Ham-signing.html (Carroll could be back very soon).

A lot of the rebuttals on that Skeptical science bit are very subjective. What is this 'tipping point' they keep talking about? It hasn't happened yet in 4.5 billion years of earth's history.

That'll f**k up three seasons then.

It should reduce the length. As long as you've made it clear that you want the extra payments to come straight off the capital loan. I don't think it's the case now but many years ago some mortgage lenders would just tuck the extra payments somewhere safe and only do the recalculations once a year. If you're mathematically minded I can PM you the formula for interest rate, capital and repayments. It's basically a summation of a geometric series.

It's not been wasted. You've reduced the loan but presumably you've taken the option of keeping the term the same length which is why the monthly payments have gone down. If you speak to your mortgage people they should explain to you your options. Basically, the longer the period over which you pay off the loan then the more interest you will pay in total.

I'm with you on this one.

Would you sign him in that condition?

Out injured at the moment. http://www.bbc.co.uk/sport/0/football/25391722 http://www1.skysports.com/football/news/11731/9088040/premier-league-michael-laudrup-swansea-could-sign-cover-for-michu-and-nathan-dyer-in-january

German expansion goes way back before WW1: http://en.wikipedia.org/wiki/Battle_of_Dybbøl