Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: tunnie on 04 May 2018, 09:38:22
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Anyone used one recently? Do they actually manage to provide a better deal than high street options?
It's renew time this year, looking to wrap this into a house move as well. I want to go fixed rate for 5 years, to ride out what ever the Brexit storm is.
Probably going to go with Halifax again, as all my stuff is with them. 1.79% fixed for 5 Years is about best I can do with them.
Trouble is we've seen a house we really like, but I doubt I can find another 100k behind the sofa ;D ;D
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That sounds like a great deal to me - or your LTV is fantastic - as the best I can find is ~1.89% on 5 years, mostly from places I've never heard of..
I used a broker last time, but I'm not sure he found a better deal than I could have found myself, just that he did all the leg work for me.
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That sounds like a great deal to me - or your LTV is fantastic - as the best I can find is ~1.89% on 5 years, mostly from places I've never heard of..
I used a broker last time, but I'm not sure he found a better deal than I could have found myself, just that he did all the leg work for me.
LTV is shade under 40%, so I can get the better rates. I'm tweaking the term slightly, so we can get the budget we need. Adding 2 years, so back to 20 year term. (yes I know, should not do it really)
I need another 100k for the dream house, which actually breaks all our rules on location but it's just stunning. (Victorian conversion, open plan) So unless I go 30 year term, it's not going to happen.
In reality, probably will stick with Halifax, 20 years, as I doubt could get much better than 1.79 over 5 years.
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I have been very happy with London & Country in the past - in fact, I think I can send you a referral that might give us both some perks if you're interested?
They've always got me a very good deal.
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.. and, actually, the deal they got me was with Halifax.
Paid it off on Tuesday. :D
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Paid it off on Tuesday. :D
Hate you both :P ;D 74% LTV and 31 years remaining...
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I have been very happy with London & Country in the past - in fact, I think I can send you a referral that might give us both some perks if you're interested?
They've always got me a very good deal.
Yes please do, always worth taking a look :y
.. and, actually, the deal they got me was with Halifax.
Paid it off on Tuesday. :D
You can go off people. :D
Congrats :y
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I currently have several repayment mortgages draining what little wealth I have. I once took out an endowment mortgage. The scars are still raw. :(
One part of one mortgage is 'interest only' which is essentially the same as paying rent......so dead money. Not a good idea but necessary at the time. :-\ I owe around £43000 ( down from £86000 on this part alone at 3.75%) :-\. I plan to pay this off completely in October when the 5 year term is up.
The higher the LTV the better deal you'll get. Interest rates will rise shortly so 1.79% seems a good deal.
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Retrieved from the Trash folder, as it came the other day and was fresh in my mind:
Refer a friend to win...
... the chance for a mortgage payment break
There's now a new and easy way for you to refer friends and family online via our
website.
Refer a friend now
Remember, for every referral you make, both you and the person you refer will get
the opportunity to win your mortgage paid for 6 months up to the value of £750.
Yebbut... erm.... >:(
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Retrieved from the Trash folder, as it came the other day and was fresh in my mind:
Refer a friend to win...
... the chance for a mortgage payment break
There's now a new and easy way for you to refer friends and family online via our
website.
Refer a friend now
Remember, for every referral you make, both you and the person you refer will get
the opportunity to win your mortgage paid for 6 months up to the value of £750.
Yebbut... erm.... >:(
;D ;D ;D Also is that £750 in total, or £750 a month? That'd either be 10% or 57% of my mortgage, respectively ;D
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Paid it off on Tuesday. :D
Hate you both :P ;D 74% LTV and 31 years remaining...
How does that work, is your retirement age (in the mortgage) set to like 70/75 or something? :-\
As that's only way I could afford this dream house, one part of me thinks it's a good idea. The Little Miss Tunnie's are 6 months and 4 years, so we could do with nicer bigger house now, make house work for us now as we need it.
We could look to downsize later, in around 15-20 years, therefore reducing mortgage. When we don't need such a big house....
Quick calculation on dream house would put me at LTV of 50%, which does not appear so bad compared to yours. :-\ :-\
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Average age of first time buyer is constantly getting older. Especially in London where the average age of the first time buyer is now 81. :)
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Paid it off on Tuesday. :D
Hate you both :P ;D 74% LTV and 31 years remaining...
Paying your mortgage well into your nineties then :D
Let me help. I'll take the finished Cobra off your hands for £2500. :)
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How does that work, is your retirement age (in the mortgage) set to like 70/75 or something? :-\
I assume so.. remember that broker who did everything? ;)
It's not so bad, as long as you know that at some point you're going to want to start overpaying so it's gone earlier - which is fine if you assume you have a good few years of salary increase left in you. I'm (probably) at the top of the bell curve for my salary, so .. I'll just work until I die, and then another six months after that.
Quick calculation on dream house would put me at LTV of 50%, which does not appear so bad compared to yours. :-\ :-\
I don't think I've ever had an LTV as low as mine is now...
Paid it off on Tuesday. :D
Hate you both :P ;D 74% LTV and 31 years remaining...
Paying your mortgage well into your nineties then :D
Let me help. I'll take the finished Cobra off your hands for £2500. :)
I have two words, the second one is off :P
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How does that work, is your retirement age (in the mortgage) set to like 70/75 or something? :-\
I assume so.. remember that broker who did everything? ;)
It's not so bad, as long as you know that at some point you're going to want to start overpaying so it's gone earlier - which is fine if you assume you have a good few years of salary increase left in you. I'm (probably) at the top of the bell curve for my salary, so .. I'll just work until I die, and then another six months after that.
Quick calculation on dream house would put me at LTV of 50%, which does not appear so bad compared to yours. :-\ :-\
I don't think I've ever had an LTV as low as mine is now...
Paid it off on Tuesday. :D
Hate you both :P ;D 74% LTV and 31 years remaining...
Paying your mortgage well into your nineties then :D
Let me help. I'll take the finished Cobra off your hands for £2500. :)
I have two words, the second one is off :P
Only trying to help. :) ;)
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Come on up to Barnsley, Tunnie. You'd probably get a castle up here and, with the money you saved, you could buy a small helicopter for your commute. ;D
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Come on up to Barnsley, Tunnie. You'd probably get a castle up here and, with the money you saved, you could buy a small helicopter for your commute. ;D
You and Tunnie could live next door to one another. I'm sure Mr Tunnie would find this tempting. ::) ::) :)
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Younger lads at work talk about their £100/150k mortgages e.g. amount borrowed & monthly payments. Some of their payments aren't much different from what I was paying late 80s/early 90s on a £22500 mortgage ..... but that was back when interest rates were up to 15%. For their sake, I hope interest rates never get anything like that again.
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Love to live up north or in Wales, especially when I see the size house I could buy. :o
But then again, cheaper for a reason, salaries less up there, it's all relative.
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Ideally you want 15 year fixed with the repayment no more than 25% of your net household income.
Good luck with that this side of Inverness ::)
Brokers have access to the bulk of the playing field, so well worth an ask :y
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Love to live up north or in Wales, especially when I see the size house I could buy. :o
But then again, cheaper for a reason, salaries less up there, it's all relative.
When Heinz closed a plant in Harlesden they were given the option of taking redundancy or taking a job up in Wigan. Quite a few upped sticks & moved up north. By the time they'd got expenses & sold their houses down south they could afford some pretty decent sized houses up here.
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Love to live up north or in Wales, especially when I see the size house I could buy. :o
But then again, cheaper for a reason, salaries less up there, it's all relative.
When Heinz closed a plant in Harlesden they were given the option of taking redundancy or taking a job up in Wigan. Quite a few upped sticks & moved up north. By the time they'd got expenses & sold their houses down south they could afford some pretty decent sized houses up here.
Sounds like they were offered a good deal :y
Sky has joined the "Northern Powerhouse" government BS, we have some new fancy offices called @LeedsDock.
Number of teams were affected, some close to me, some of my counter parts were offered jobs up there. But they were not covering expenses, they would also get a pay cut.
Unsurprisingly, not one single person moved up there from teams I know. As a result those teams now take longer to burn through the work ;D
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Best day ever, when the last mortgage payment went in. Now we have put in an offer on a bigger house in Brackley, for £100,000 less than I am selling mine. Can't be bad. Mind you, wondering what the insurance will be to cover flying objects !!!!! ;D
Oh the joys of retirement :y
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The only advice from experience I would give Tunnie, is go for the biggest payment/house you can afford, as even with lowish inflation, assuming level interest rates (which I know is nonsense) within a few years you are paying less in real terms, so can either afford higher payments, or live better! :y
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We could look to downsize later, in around 15-20 years, therefore reducing mortgage. When we don't need such a big house....
You can tell that lie to yourself, but reality is you will have collected too much crap to downsize.
Oh, and put your knackers between 2 bricks, before it happens again :D
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Best day ever, when the last mortgage payment went in. Now we have put in an offer on a bigger house in Brackley, for £100,000 less than I am selling mine.
We don't want "your sort" round here terbs, the sheep are all spoken for
Can't be bad. Mind you, wondering what the insurance will be to cover flying objects !!!!! ;D
Cough!
Where you hoping to move to, the 1980s bit you looked at before?
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We could look to downsize later, in around 15-20 years, therefore reducing mortgage. When we don't need such a big house....
You can tell that lie to yourself, but reality is you will have collected too much crap to downsize have umpteen grandchildren descending on you to stay all the rather time.
Oh, and put your knackers between 2 bricks, before it happens again :D
Amen to that. :y
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Younger lads at work talk about their £100/150k mortgages e.g. amount borrowed & monthly payments. Some of their payments aren't much different from what I was paying late 80s/early 90s on a £22500 mortgage ..... but that was back when interest rates were up to 15%. For their sake, I hope interest rates never get anything like that again.
I remember that time,my mortgage doubled in what seemed like months :'(
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Spare a thought for people with mortgages in Argentina where interest rates have gone up to 40%! :o
http://www.bbc.co.uk/news/business-44001450
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Younger lads at work talk about their £100/150k mortgages e.g. amount borrowed & monthly payments. Some of their payments aren't much different from what I was paying late 80s/early 90s on a £22500 mortgage ..... but that was back when interest rates were up to 15%. For their sake, I hope interest rates never get anything like that again.
I remember that time,my mortgage doubled in what seemed like months :'(
I actually paid 16.5% for the first year because I took out a 100% mortgage which came with a penalty of 1.5% for 12 months.
I used the deposit to buy a new Yamaha FJ1200. :).......being sensible was never my strong point. :)
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Younger lads at work talk about their £100/150k mortgages e.g. amount borrowed & monthly payments. Some of their payments aren't much different from what I was paying late 80s/early 90s on a £22500 mortgage ..... but that was back when interest rates were up to 15%. For their sake, I hope interest rates never get anything like that again.
I remember that time,my mortgage doubled in what seemed like months :'(
I actually paid 16.5% for the first year because I took out a 100% mortgage which came with a penalty of 1.5% for 12 months.
I used the deposit to buy a new Yamaha FJ1200. :).......being sensible was never my strong point. :)
Sounds like the sort of thing I`d do.....need new windows and kitchen........whoops...where did that 370z come from ::)
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Younger lads at work talk about their £100/150k mortgages e.g. amount borrowed & monthly payments. Some of their payments aren't much different from what I was paying late 80s/early 90s on a £22500 mortgage ..... but that was back when interest rates were up to 15%. For their sake, I hope interest rates never get anything like that again.
I remember that time,my mortgage doubled in what seemed like months :'(
I actually paid 16.5% for the first year because I took out a 100% mortgage which came with a penalty of 1.5% for 12 months.
I used the deposit to buy a new Yamaha FJ1200. :).......being sensible was never my strong point. :)
Sounds like the sort of thing I`d do.....need new windows and kitchen........whoops...where did that 370z come from ::)
Life is too short to be overly sensible. I mean, you'll get far more enjoyment from your Datsun than new windows. :)
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The problem is that the youngsters today want everything now, and everyone has gotten used to cheap mortgage rates. In fact, the likes of our tunnie (who despite the ribbing, I think has normally got his financial head screwed on right, as long as his little wanter isn't going, in which case he'll try to twist things to justify stuff (to himself)) have never seen the BoE rate above 1%, let alone the "normal" average rate of 4-6%. I think when (not if) we go back to >10% rates that come round once every generation or 2, a lot of people are going to be properly BF'd
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When I was younger a 5% deposit was all that was required with 100% mortgages available to those who were able to make larger payments.
Today, I hear deposits of 30% being talked about. :o :o :o
This is the problem.
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When I was younger a 5% deposit was all that was required with 100% mortgages available to those who were able to make larger payments.
Today, I hear deposits of 30% being talked about. :o :o :o
This is the problem.
Why is it a problem, when the no deposit alternative is put your chavette up the duff, once its dropped the sprog, end up on the street with nowhere to go & the magic money tree will provide social housing & living expenses. :( Once the chav is bored he can then repeat with the next chavette as the magic money tree will always provide. :(
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When I was younger a 5% deposit was all that was required with 100% mortgages available to those who were able to make larger payments.
Today, I hear deposits of 30% being talked about. :o :o :o
This is the problem.
When I started working in '95, a nice flat/small house in Horsham could be had for around 6 years wages, a good sized house was about 10x and a really nice detached place around 25-30x.
Now, one bed properties start at 10x, modest houses are 12-15x and even the older detached places are around 25x, with the really nice detached houses being more like 35-40x... Yet basic wages are only double what they were then :-\
So whilst I have no issue in principal with higher percentage deposits (after all, the more you put down, the sooner you can pay the rest off), the reality is that even on a one bed place, a 30% deposit is still two years salary.
That is the problem.
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When I was younger a 5% deposit was all that was required with 100% mortgages available to those who were able to make larger payments.
Today, I hear deposits of 30% being talked about. :o :o :o
This is the problem.
When I started working in '95, a nice flat/small house in Horsham could be had for around 6 years wages, a good sized house was about 10x and a really nice detached place around 25-30x.
Now, one bed properties start at 10x, modest houses are 12-15x and even the older detached places are around 25x, with the really nice detached houses being more like 35-40x... Yet basic wages are only double what they were then :-\
So whilst I have no issue in principal with higher percentage deposits (after all, the more you put down, the sooner you can pay the rest off), the reality is that even on a one bed place, a 30% deposit is still two years salary.
That is the problem.
Al, Essentially what you are saying is that house prices have no relation to earnings. This is getting worse. :-\
Back in the fifties and sixties an average man in an average job could secure a mortgage on his wages alone. Women's wages were not taken into consideration because they could leave work at any moment and drop a sprog, neither was 'overtime' allowed to make the sums look better
This worked because an average house cost 2-3 times the average man's wage.......not 10 times.
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This is a southern problem. Oop North our houses are reasonably priced, even for an average wage earner up here. Like, say, this one:
https://www.zoopla.co.uk/for-sale/details/47350404?search_identifier=ee99a2f8a5374b8ec9d9f8b7bf95750f#hA64x6XAtBXUPgrC.97
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This is a southern problem. Oop North our houses are reasonably priced, even for an average wage earner up here. Like, say, this one:
https://www.zoopla.co.uk/for-sale/details/47350404?search_identifier=ee99a2f8a5374b8ec9d9f8b7bf95750f#hA64x6XAtBXUPgrC.97
I agree that you get far more bang for your buck the further North you travel.
However, assuming £25000 PA, the house in your link is still more than 5 times the average wage........and many in the North can only dream of earning £25000 PA. :-\
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I would take a 15% hit and a zero hours contract to do my job up there, and that's presuming I would want to... :-\
Certainly not commutable either, which rules it out on a practical level as well...
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Is this why the HS2 is being pushed by those darn saarf? ???
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Is this why the HS2 is being pushed by those darn saarf? ???
Four hours a day on a train so that I can afford to live in Barnsley... ???
;D
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However, assuming £25000 PA, the house in your link is still more than 5 times the average wage........and many in the North can only dream of earning £25000 PA. :-\
Not sure about dreaming of £25K I think I'd have nightmares if I was suddenly paid that ??? That's only around £12 an hour :-\
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Is this why the HS2 is being pushed by those darn saarf? ???
Four hours a day on a train so that I can afford to live in Barnsley... ???
;D
No one wants to live in Barnsley ..... but for some that are on good money, it might very well be worth it.
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Nowt wrong with Barnsley. I can walk freely about the place without being shot, stabbed, offered drugs, or listening to gobshites who think they are better than others because they earn a few bob. Very down to earth people with a great community spirit. But each to their own :)
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Nowt wrong with Barnsley. I can walk freely about the place without being shot, stabbed, offered drugs, or listening to gobshites who think they are better than others because they earn a few bob. Very down to earth people with a great community spirit. But each to their own :)
Sorry ..... I should've used a smilie ..... :-[
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Anyone used one recently? Do they actually manage to provide a better deal than high street options?
No, but we will be in the future. The problem with mortgage lenders today is that they are there to cater to the lowest (fix£ing thick) common denominator.
When we sell our house later this yr, swmbo and I will turn a tidy profit for our efforts, but in doing so we have amassed around £50k of unsecured debt. Meaning in the short term, cash flow is rather restricted.
Last year we flipped our mortgage deal and looked to borrow the extra £50k to secure our debt and buy us breathing space. I had a gobsmackingly painful 45min conversation with some obnoxious little turd (doubtless a 17yo on £15k) who wanted to know what each of the loans “was for” and hence whether it qualified as something that could be rolled into a mortgage.
I tried (and failed) to explain that the borrowings weren’t “for” anything. Rather that swmbo and I earn a certain amount per year, but house renovation + living > income, therefore borrowing took place. But, because I couldn’t point to either say, a car, a holiday, or some bricks arranged into an extension type configuration and tell him that was what the money was for, he wouldn’t let me roll it into a mortgage.
In the end I concluded it was easier to get a better paid job rather than try to explain myself to these cretinis. But in the future, I am planning to go to a nice chap I used to play rugby with, explain what I want the money for and how much, and then let him take care of all the tedious bit in between. A few percentage points in interest will be a small price to pay to dodge a jordie call centre.
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Brokers may be able to manually underwrite a mortgage to your requirements. Something that the direct lenders cba to do. ;)
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Is this why the HS2 is being pushed by those darn saarf? ???
Nobody who could possibly benefit from HS2 actually want it.
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When I was younger a 5% deposit was all that was required with 100% mortgages available to those who were able to make larger payments.
Today, I hear deposits of 30% being talked about. :o :o :o
This is the problem.
When I started working in '95, a nice flat/small house in Horsham could be had for around 6 years wages, a good sized house was about 10x and a really nice detached place around 25-30x.
Now, one bed properties start at 10x, modest houses are 12-15x and even the older detached places are around 25x, with the really nice detached houses being more like 35-40x... Yet basic wages are only double what they were then :-\
So whilst I have no issue in principal with higher percentage deposits (after all, the more you put down, the sooner you can pay the rest off), the reality is that even on a one bed place, a 30% deposit is still two years salary.
That is the problem.
When I started saving a deposit for my first house, I was on £80pw, of which £35 was spent renting a room in a house.
I had to make compromises to make it work, such as not having a car or motorbike for 2 years until I could negotiate a decent payrise. After the 3rd year, I was able to put down 10% against my first £55k house... ...a bit earlier than planned, but was able to take advantage of the buyers market caused by the 15% interest rates, which meant that although I was paying massive interest on my interest only mortgage, the house prices were artificially low.
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When I was younger a 5% deposit was all that was required with 100% mortgages available to those who were able to make larger payments.
Today, I hear deposits of 30% being talked about. :o :o :o
This is the problem.
When I started working in '95, a nice flat/small house in Horsham could be had for around 6 years wages, a good sized house was about 10x and a really nice detached place around 25-30x.
Now, one bed properties start at 10x, modest houses are 12-15x and even the older detached places are around 25x, with the really nice detached houses being more like 35-40x... Yet basic wages are only double what they were then :-\
So whilst I have no issue in principal with higher percentage deposits (after all, the more you put down, the sooner you can pay the rest off), the reality is that even on a one bed place, a 30% deposit is still two years salary.
That is the problem.
When I started saving a deposit for my first house, I was on £80pw, of which £35 was spent renting a room in a house.
I had to make compromises to make it work, such as not having a car or motorbike for 2 years until I could negotiate a decent payrise. After the 3rd year, I was able to put down 10% against my first £55k house... ...a bit earlier than planned, but was able to take advantage of the buyers market caused by the 15% interest rates, which meant that although I was paying massive interest on my interest only mortgage, the house prices were artificially low.
We keep saying similar, stretched ourselves and moved in with an airbed, floor cushions and a cast off tv!
These days a lot of the people saying they can't afford a house seem to spend a lot of money driving a new car on HP, Having the latest phones, always out smoking and drinking, then claim no money left to save!
No shit sherlock! just a few changes on the above, plus realising they dont need to spend a fortune on subscription tv, You can get pefectly good furniture off freecycle etc, and theyve suddenly got an extra £500+ a month! These says everyone seems to need everything perfect instantly. Its never worked like that so can't see why the current generation think it should.
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Its never worked like that so can't see why the current generation think it should.
Simple, that’s all down to FaceGramInstaSnapBookChat and the likes. It’s a constant diet of young people who do (appear) to have it all. Whether that be due to living at home, wealthy parents, exceptional jobs, or all 3. Clearly they are the tiny minority, but on those platforms it doesn’t seem that way, they become the expectation.
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I quite agree. We were happy to accept hand-me-down furniture etc. when we got married, and although TV was around in the '60's, we had been married for 5 years before we could afford a 2nd hand black and white. I will never forget the thrill of buying our first 2nd hand fridge at an auction for £8. I am very pleased that things are easier now in many ways but I doubt many young marrieds today would be happy unless they had all new items, many of which will no doubt have been bought on plastic. The idea of saving for something until you can afford to pay for it outright has unfortunately disappeared, fuelled by the ease of credit pushed by banks etc.
I am very concerned at the rise in personal and household debt, which has now reached an average of £14k per household, approaching the the national debt figure of 2008 of £1600 billion, projected to be £2100 billion by the end of this parliament, and unpalatable as it may seem, credit restrictions should be (re-)introduced, unless we want a repeat of 2008.:-\
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I quite agree. We were happy to accept hand-me-down furniture etc. when we got married, and although TV was around in the '60's, we had been married for 5 years before we could afford a 2nd hand black and white. I will never forget the thrill of buying our first 2nd hand fridge at an auction for £8. I am very pleased that things are easier now in many ways but I doubt many young marrieds today would be happy unless they had all new items, many of which will no doubt have been bought on plastic. The idea of saving for something until you can afford to pay for it outright has unfortunately disappeared, fuelled by the ease of credit pushed by banks etc.
I am very concerned at the rise in personal and household debt, which has now reached an average of £14k per household, approaching the the national debt figure of 2008 of £1600 billion, projected to be £2100 billion by the end of this parliament, and unpalatable as it may seem, credit restrictions should be (re-)introduced, unless we want a repeat of 2008.:-\
You can now borrow enough to pay all your bills and get completely out of debt. :)
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Why wait until tomorrow if you can have it today? ::) :)
I had some new tenants a few years ago and the fella offered me his old style CRT wide screen TV as he wanted a newer flat screen model. As they were on benefits I queried how they could afford a new TV, sensing troubles down the line with the rent if they were spending their money on TV's and stuff. ::)
He showed me a brochure from a company which would supply the TV and fit a coin meter that they had to feed to watch TV and that money paid off the loan. I pointed out that the APR was horrendous and he would end up paying about three times as much for his TV. ::) :( His reply was "Well if you want it, you've got to have it. Havn't you?" :y
Sigh... ::)
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Brighthouse will sell you a £600 TV from Argos for £1000 before they add the interest. They like to look after the poorest in society. :)
Proper philanthropists. ::) ::) ::) ;)
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Why wait until tomorrow if you can have it today? ::) :)
I had some new tenants a few years ago and the fella offered me his old style CRT wide screen TV as he wanted a newer flat screen model. As they were on benefits I queried how they could afford a new TV, sensing troubles down the line with the rent if they were spending their money on TV's and stuff. ::)
He showed me a brochure from a company which would supply the TV and fit a coin meter that they had to feed to watch TV and that money paid off the loan. I pointed out that the APR was horrendous and he would end up paying about three times as much for his TV. ::) :( His reply was "Well if you want it, you've got to have it. Havn't you?" :y
Sigh... ::)
Singularly off topic now, but I pointed out to a customer by me in Tesco's (other brands are available) the other day, that the price per 100g for the large item he was buying, was dearer than that per 100g in the smaller packet of the same thing. "Huh?" was his puzzled response. :o
Fortunately, as TB has mentioned, young Tunnie has a smarter head on his shoulders. :y
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Why wait until tomorrow if you can have it today? ::) :)
I had some new tenants a few years ago and the fella offered me his old style CRT wide screen TV as he wanted a newer flat screen model. As they were on benefits I queried how they could afford a new TV, sensing troubles down the line with the rent if they were spending their money on TV's and stuff. ::)
He showed me a brochure from a company which would supply the TV and fit a coin meter that they had to feed to watch TV and that money paid off the loan. I pointed out that the APR was horrendous and he would end up paying about three times as much for his TV. ::) :( His reply was "Well if you want it, you've got to have it. Havn't you?" :y
Sigh... ::)
Singularly off topic now, but I pointed out to a customer by me in Tesco's (other brands are available) the other day, that the price per 100g for the large item he was buying, was dearer than that per 100g in the smaller packet of the same thing. "Huh?" was his puzzled response. :o
Fortunately, as TB has mentioned, young Tunnie has a smarter head on his shoulders. :y
I noticed that with a brand of coffee in the above mentioned store quite a while ago. Buying a 200g jar was more expensive than buying 2x100g jars! Sometime later they got pulled up buy a consumer program about it and other products, where the same thing was happening. The shop's response was 'Its a pricing error and will be corrected". But going by Shack's experience, its still going on!
Some people just assume buying a larger packet will be cheaper!
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Yep. Mrs KW drinks Ribena like it's going out of fashion and it's always cheaper to buy a couple of the smaller bottles than a large one.
With all the butthurt about plastic waste these days you'd have thought there would be an incentive to choose the product with less packaging. ::)
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I noticed that with a brand of coffee in the above mentioned store quite a while ago. Buying a 200g jar was more expensive than buying 2x100g jars! Sometime later they got pulled up buy a consumer program about it and other products, where the same thing was happening. The shop's response was 'Its a pricing error and will be corrected". But going by Shack's experience, its still going on!
Some people just assume buying a larger packet will be cheaper!
But, as you allude to, some (the majority?) people are either too thick or too lazy to even check. And a fool and his money are easily parted. I don't really do supermarkets, but last time I was in, I'm sure everything also have a smaller label about £/kg or £/l to make it easier for the mongs... ...not that the caluculations are in any way taxing.
And WTF are all the consumer groups getting all worked up over. A shop should be allowed to price and goods at any price they want, and the consumer should make decisions upon that. Obviously, if said shop is then uncompetitive, then they are likely to lose customers.
Top marks to Tesco - it seems they understand the intelligence/industrious levels of the majority of their customers, and exploit it. I applaud them, and others, for fully grasping their customers.
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Yep. Mrs KW drinks Ribena like it's going out of fashion and it's always cheaper to buy a couple of the smaller bottles than a large one.
With all the butthurt about plastic waste these days you'd have thought there would be an incentive to choose the product with less packaging. ::)
I can picture the weekly meeting, of other addicts all sat in a circle....
Mrs KW: "My name is Mrs KW, and I drink too much blackcurrant juice"
Others: Wild applause and whistles
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I noticed that with a brand of coffee in the above mentioned store quite a while ago. Buying a 200g jar was more expensive than buying 2x100g jars! Sometime later they got pulled up buy a consumer program about it and other products, where the same thing was happening. The shop's response was 'Its a pricing error and will be corrected". But going by Shack's experience, its still going on!
Some people just assume buying a larger packet will be cheaper!
But, as you allude to, some (the majority?) people are either too thick or too lazy to even check. And a fool and his money are easily parted. I don't really do supermarkets, but last time I was in, I'm sure everything also have a smaller label about £/kg or £/l to make it easier for the mongs... ...not that the caluculations are in any way taxing.
And WTF are all the consumer groups getting all worked up over. A shop should be allowed to price and goods at any price they want, and the consumer should make decisions upon that. Obviously, if said shop is then uncompetitive, then they are likely to lose customers.
Top marks to Tesco - it seems they understand the intelligence/industrious levels of the majority of their customers, and exploit it. I applaud them, and others, for fully grasping their customers.
I think somebody or three had written into Watchdog....who then took it up with the supermarket....
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So we’ve seen a house we like and is within budget, just need to sell this place now.
Well, it is within budget, if we sell this place for a decent price. :)
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Never mind "house we like". Whats he garage / parking/ potential for workshop situation ?
Priorities young man, its all about priorities. ;D
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I think somebody or three had written into Watchdog....who then took it up with the supermarket....
And that shows the scale of the problem. Firstly, somebody actually wrote in to complain, secondly, the BBC.
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Never mind "house we like". Whats he garage / parking/ potential for workshop situation ?
Priorities young man, its all about priorities. ;D
Has a garage, lots of potential for roof space, felt quite big, wider than mine.
Sloped driveway though :(
But most in that area are, it ticks the main box though of walking distance to Little MissT’s school.
Along with kitchen/dinner, multi reception rooms and play room for the girls.
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Sloped driveway though :(
Ours slopes and I had no idea how much of an ar$e ache it was until we experienced it first hand. Def on my list of things to avoid from now on!
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Yep. Mrs KW drinks Ribena like it's going out of fashion and it's always cheaper to buy a couple of the smaller bottles than a large one.
With all the butthurt about plastic waste these days you'd have thought there would be an incentive to choose the product with less packaging. ::)
I can picture the weekly meeting, of other addicts all sat in a circle....
Mrs KW: "My name is Mrs KW, and I drink too much blackcurrant juice"
Others: Wild applause and whistles
I keep trying to move her on to beer, if only for entertainment value, but she's not having it. ;D
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Never mind "house we like". Whats he garage / parking/ potential for workshop situation ?
Priorities young man, its all about priorities. ;D
Agreed....the first house I owned was attractive because it came with a two car drive and a garage. I didn't give a f*uck about the kitchen.
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My drive also has quite a slope, but it does have its advantages. If I want to work under the rear of the car. Reverse it onto a pair of ramps so the car sits level and I have plenty of room to work with. Same goes for the front, obviously.
Making sure its very well chocked is crucial though.
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Has a garage, lots of potential for roof space, felt quite big, wider than mine.
A single garage will never be anything more than a secure-ish shed
Sloped driveway though :(
Bugger, how bad?
But most in that area are, it ticks the main box though of walking distance to Little MissT’s school.
So you can sell the shitbox Zaffy then, as no longer needed, that's gotta be £8k towards the house.
Along with kitchen/dinner, multi reception rooms and play room for the girls.
Eh? I'm hearing white noise. What about a gentlemans playroom/mancave?
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Has a garage, lots of potential for roof space, felt quite big, wider than mine.
A single garage will never be anything more than a secure-ish shed
Sloped driveway though :(
Bugger, how bad?
But most in that area are, it ticks the main box though of walking distance to Little MissT’s school.
So you can sell the shitbox Zaffy then, as no longer needed, that's gotta be £8k towards the house.
Along with kitchen/dinner, multi reception rooms and play room for the girls.
Eh? I'm hearing white noise. What about a gentlemans playroom/mancave?
The Zafira would stay, I've actually grown quite fond of it in short space of time. It's fantastic for load lugging, it's surprisingly comfy with MV6 style seats done some big 3.5/4 hour runs in it no problem. Also handy that MrsT can sit in the middle at the back in some comfort, BabyT is not as good at travelling as Little MissT was. Also got some big trips coming up, so going to be needed more than ever.
What I really want to find out is if Uncle Rupert will pull his finger out and buy Sky, it's been dragging on for ages now. Damn government meddling and processes and such, just made it drag and drag. As a tidy sum could be had from that deal!
The garage would be the man cave, but as mentioned it appeared really tall. To the point you could board it and have a second floor, that's where I'm thinking man cave. Put a ladder as access and it could be made "secure" from the girls :D
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As for the slope it's not that bad, I need to drive past again. Two spaces at front, room for a 3rd. One in front of the garage is sloped more than other one closer to the house.
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Put a ladder as access and it could be made "secure" from the girls :D
What are you planning on keeping up there? ;) ;D
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Put a ladder as access and it could be made "secure" from the girls :D
What are you planning on keeping up there? ;) ;D
That would be telling. :P
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If it has a high roof, a two or four post lift should fit in there. :)
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If it has a high roof, a two or four post lift should fit in there. :)
Won't have the width if its a standard single.
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If it has a high roof, a two or four post lift should fit in there. :)
<Scratches chin>
I keep wondering about putting one in mine. It should just fit. Might need to relocate a few rafters.
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If it has a high roof, a two or four post lift should fit in there. :)
<Scratches chin>
I keep wondering about putting one in mine. It should just fit. Might need to relocate a few rafters.
they are there for a reason ;D
consult a structural engineer , :y
or that bloke down the pub ;D
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I was looking at low-post (2m) lifts the other day for the other garage.. or is that just being greedy on top of the scissor lift in the house garage? ;D
Speaking of brokers, I just got off the phone with mine.. the affordability checks these days feel worse than having a prostate exam. How much do you spend on going out a month, how much is your car insurance a month, how much is your house insurance a month, how much do you spend on holidays a month...
I don't know about you lot, but most of those are annual costs for me - I can't remember exactly how much my car insurance was 10 months ago!
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If it has a high roof, a two or four post lift should fit in there. :)
<Scratches chin>
I keep wondering about putting one in mine. It should just fit. Might need to relocate a few rafters.
they are there for a reason ;D
consult a structural engineer , :y
or that bloke down the pub ;D
Oh, I'm fully aware of that. Supporting my vast collection of junk, for starters. ;D Oh, and the roof. ::)
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If it has a high roof, a two or four post lift should fit in there. :)
<Scratches chin>
I keep wondering about putting one in mine. It should just fit. Might need to relocate a few rafters.
they are there for a reason ;D
consult a structural engineer , :y
or that bloke down the pub ;D
Oh, I'm fully aware of that. Supporting my vast collection of junk, for starters. ;D Oh, and the roof. ::)
It's only "junk " till you take it to the tip, a few weeks later ,it will be a very precious thing that you wish you still had ;D
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If it has a high roof, a two or four post lift should fit in there. :)
<Scratches chin>
I keep wondering about putting one in mine. It should just fit. Might need to relocate a few rafters.
they are there for a reason ;D
consult a structural engineer , :y
or that bloke down the pub ;D
Oh, I'm fully aware of that. Supporting my vast collection of junk, for starters. ;D Oh, and the roof. ::)
It's only "junk " till you take it to the tip, a few weeks later ,it will be a very precious thing that you wish you still had ;D
'ain't that the truth. :y