Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: The Sheriff on 09 January 2015, 13:45:14
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We have enjoyed(?) a base rate of 0.5% for a number of years now. Hence, supposedly cheap loans and mortgage repayments. I've seen the much higher in my time, but even I'd forgotton just how high they've been in the past.
Imagine your mortgage repayments if any of these babies reappeared:
http://www.bankofengland.co.uk/boeapps/iadb/Repo.asp
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Quite true , there is a whole generation of folk out there doing the borrowing to the hilt(we have all done it I guess at some time)thing blissfully unaware of the impact of a base rate of 5, 10 or 15%. Those BOE figures are always lower than the rates sprung by lenders - that is after all how they make their pound of your flesh.
I remember our first house back in the 70's. The interest rate on purchase was something like 7% within a few years it doubled to 15% and we received a letter giving us 3 options.
1. Increase payments to about double and the loan would be paid off in the original 25 years
2. Pay about £50 a month more and it would be paid off in 40 years
3. Keep paying the same amount and it will NEVER be paid off.
We couldn't afford it but did the extra £50 ( i was on £1800p.a)
As it turned out it didn't really matter as house prices kept increasing and so did wages. But will they this time?
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. Still, my endowment matures next year :D
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Oh yes, i remember the good old days of my 13.5% mortgage, my eyes still water at the memory. ::) All paid for now. :D :D
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I paid 16.5% in 1989/90 because I had one of those lovely 100% mortgages. :y
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
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We have enjoyed(?) a base rate of 0.5% for a number of years now. Hence, supposedly cheap loans and mortgage repayments. I've seen the much higher in my time, but even I'd forgotton just how high they've been in the past.
Imagine your mortgage repayments if any of these babies reappeared:
http://www.bankofengland.co.uk/boeapps/iadb/Repo.asp
Yet most banks(crooks) will charge about 5-6%. >:( :(
Base rate and the mortgage rate used to be within 1% of each other. Pity the poor banker trying to earn a crust. >:(
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
I've no longer got that mortgage. But kept the endowment going, as it wasn't worth cashing it it.
But, no, it wouldn't have paid off the mortgage it was designed to cover.
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I bought my first house in September 1978 and can still remember the real pain and stress that hit us in November 1979 , that was a rude awakening as to the joys of house ownership.
Thankfully due to a swift buy ,modernise and sell period in the mid to late nineties ( 5 houses ) we last paid a mortgage in 2004 , but don't talk to me about savings >:(
Re endowments , I paid two for 25 years one came in with a nice little profit whereas the Standard Life one gave me back more or less exactly what was paid in . I have much regret when I think of that wasteful company .
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If things continue as they are with energy prices dropping further or even staying as they are, I can't see rates going up at least in the first half of 2015 and probably not at all in 2015. The only thing that might change that is if the dollar really strengthens much more quickly this year, against most other currencies, including GBP, which is quite possible.
Squeaky bum time for all those developing nations like India, Brazil, Indonesia, Russia, Venezuela etc, where they have dollar denominated loans and trade in a collapsing local currency, :o :o :o and double squeaky bum time if they rely on energy exports. IMO it couldn't happen to two more deserving presidents than those of Russia and Venezuela. :y :y :y :y :y
Russia has officially about $390bn of foreign currency reserves left, unofficially there are quotes as low as $200bn, so it is probable somewhere between these figures. Even if we take the higher one, Russia is burning through at least $10bn a week trying to prop up its currency ($23bn in the last 2 weeks). If things carry on as they are, this means Q4 of 2015 is going a very interesting one for Putin. Where his inner circle consists mainly of GRU / FSB buddies, who tell him what he wants to hear and where he is meant to hate economics and central bank officials struggle to get an audience with him, I think that may change out of necessity soon. :) :) :) Russian industry also owes $125bn in loan and bond repayments in 2015, which can't easily be extended where sanctions have essentially closed their access to capital markets.
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
I've no longer got that mortgage. But kept the endowment going, as it wasn't worth cashing it it.
But, no, it wouldn't have paid off the mortgage it was designed to cover.
Our endowment needed to cover the relatively paltry figure of £41,000. This should have been piss easy. After all, we paid in almost £15000 over a 25 year period so were expecting the initial £41000 to be easily covered. Cashback time we thought. :y
Wrong. :(
With just a few year to go we were told the policy was only worth about £6000.....leaving us about £35000 short. >:( >:( >:( >:(
Not to worry......I'm such that all the greedy inept fund managers who 'professionally' invested our money all took a huge slice of the pie. :( :( :( :(
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
I've no longer got that mortgage. But kept the endowment going, as it wasn't worth cashing it it.
But, no, it wouldn't have paid off the mortgage it was designed to cover.
Our endowment needed to cover the relatively paltry figure of £41,000. This should have been piss easy. After all, we paid in almost £15000 over a 25 year period so were expecting the initial £41000 to be easily covered. Cashback time we thought. :y
Wrong. :(
With just a few year to go we were told the policy was only worth about £6000.....leaving us about £35000 short. >:( >:( >:( >:(
Not to worry......I'm such that all the greedy inept fund managers who 'professionally' invested our money all took a huge slice of the pie. :( :( :( :(
The company I worked for prior to leaving and coming over here transferred it's company pension scheme to Standard life just before I left . I'll always remember the day that SL were coming to give a presentation to the assembled workforce to persuade them to stay with them and not opt out.
Four ,yes four , "executive's" arrived almost simultaneously and parked there silver C and E class Mercs in a line next to each other in the visitors car park right in front of the room being used for the presentation ......... ::)
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
I've no longer got that mortgage. But kept the endowment going, as it wasn't worth cashing it it.
But, no, it wouldn't have paid off the mortgage it was designed to cover.
Our endowment needed to cover the relatively paltry figure of £41,000. This should have been piss easy. After all, we paid in almost £15000 over a 25 year period so were expecting the initial £41000 to be easily covered. Cashback time we thought. :y
Wrong. :(
With just a few year to go we were told the policy was only worth about £6000.....leaving us about £35000 short. >:( >:( >:( >:(
Not to worry......I'm such that all the greedy inept fund managers who 'professionally' invested our money all took a huge slice of the pie. :( :( :( :(
Yes, they were 'dark times'.............. >:( >:(
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
I've no longer got that mortgage. But kept the endowment going, as it wasn't worth cashing it it.
But, no, it wouldn't have paid off the mortgage it was designed to cover.
Our endowment needed to cover the relatively paltry figure of £41,000. This should have been piss easy. After all, we paid in almost £15000 over a 25 year period so were expecting the initial £41000 to be easily covered. Cashback time we thought. :y
Wrong. :(
With just a few year to go we were told the policy was only worth about £6000.....leaving us about £35000 short. >:( >:( >:( >:(
Not to worry......I'm such that all the greedy inept fund managers who 'professionally' invested our money all took a huge slice of the pie. :( :( :( :(
Yes, they were 'dark times'.............. >:( >:(
Agreed, Mr Vamps. Many beside myself were caught out by the 'endowment trap'.
All that glisters is not gold.
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All that glisters is not gold.
Quite the contrary. Sounds like something you'd be best off going to see the quack about, TBH. ;)
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All that glisters is not gold.
Quite the contrary. Sounds like something you'd be best off going to see the quack about, TBH. ;)
That is the correct saying, bastardised over the years as usual.
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Remember my first place in 1969....cost £4,000. Rate was 7.5/8%. Before we made the first payment it jumped to 8.1/2%. Sold the place for £11,000 four years later, bought the next place for £12,700 and are still there, with the valuation at £350,000.
Rate jumped once during the duration to 15%
But the joy of paying it off :y :y :y :y :y :y :y :y :y :y :y
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I bought my first gaff in 1991... ...and could only afford interest only mortgage. ;D
Do you know if it will pay it off?
I've no longer got that mortgage. But kept the endowment going, as it wasn't worth cashing it it.
But, no, it wouldn't have paid off the mortgage it was designed to cover.
Our endowment needed to cover the relatively paltry figure of £41,000. This should have been piss easy. After all, we paid in almost £15000 over a 25 year period so were expecting the initial £41000 to be easily covered. Cashback time we thought. :y
Wrong. :(
With just a few year to go we were told the policy was only worth about £6000.....leaving us about £35000 short. >:( >:( >:( >:(
Not to worry......I'm such that all the greedy inept fund managers who 'professionally' invested our money all took a huge slice of the pie. :( :( :( :(
Mine was to cover £40k. There is a guaranteed value of £18k, which it looks like its struggling to reach. Yet the forecasts are it will be between £24 and £28k when it matures next year.
Tossers.
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But the joy of paying it off :y :y :y :y :y :y :y :y :y :y :y
Terbert, I'm afraid to say you have now been targeted for termination >:(
;D
Bastid.
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It wasn't all plain sailing, mate....part of it after taking out extra loans was an endowment for £10,000.
This matured at £6800, leaving us £3200 to find.
I was mis-sold the endowment....but you try proving it !!!!!!!
In your words...Bastids !!!!!!!
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It wasn't all plain sailing, mate....part of it after taking out extra loans was an endowment for £10,000.
This matured at £6800, leaving us £3200 to find.
I was mis-sold the endowment....but you try proving it !!!!!!!
In your words...Bastids !!!!!!!
Almost everybody was.
Endowment policies were pushed even when totally unsuitable.
We did get about £7000 back as compensation but we still lost out. >:(
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Yep, Dr Opti....I can still see the bloke in the building society dissuading me from a normal mortgage loan, telling me I would have about £3000 back at the end of the loan. It was all verbal...I have no recourse whatsoever. >:(
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Of all the financial advise I received in 'The Mob', taking out a repayment mortgage was the best I was given. I did that & now it's paid off. :y :y :y :y
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Of all the financial advise I received in 'The Mob', taking out a repayment mortgage was the best I was given. I did that & now it's paid off. :y :y :y :y
Okay...okay....no need to rub it in. ;D ;D ;D
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Yep, Dr Opti....I can still see the bloke in the building society dissuading me from a normal mortgage loan, telling me I would have about £3000 back at the end of the loan. It was all verbal...I have no recourse whatsoever. >:(
Yep...this was a common lie put about by those on commission. Bastards. >:( :(
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Of all the financial advise I received in 'The Mob', taking out a repayment mortgage was the best I was given. I did that & now it's paid off. :y :y :y :y
Okay...okay....no need to rub it in. ;D ;D ;D
Sorry ...... have I mentioned it before? ::) ::) ;)
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Of all the financial advise I received in 'The Mob', taking out a repayment mortgage was the best I was given. I did that & now it's paid off. :y :y :y :y
Okay...okay....no need to rub it in. ;D ;D ;D
Quite right, he is like terbet; Bastid................... ;) ;)
Says me who is about to take early retirement from my Job, and I still have a mortgage, cos I was late in settling down............. ::) ::)
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Says me who is about to take early retirement from my Job,
You'll only be bored & get under Mrs Flood's feet ::) ::)
cos I was late in settling down............. ::) ::)
I wish I'd been a lot lot lot later ............. :-\
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Says me who is about to take early retirement from my Job,
You'll only be bored & get under Mrs Flood's feet ::) ::)
cos I was late in settling down............. ::) ::)
I wish I'd been a lot lot lot later ............. :-\
I don't know how to split your reply's so;
Firstly - she will be at work, but I intend to gain some employment in a part time capacity, probably back to 'hands on' work............... :y :y
Secondly - ;) ;)
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The Mortgage company's nowadays are the pitts as against years ago. For instance...if you miss January payment and pay on February 1st, then pay February payment on the 20th, you will receive a letter with all the threatening garbage saying you are in default. Explaining why you are a day late makes no difference. Under their system, you have paid January late and March early. And unless you make an extra payment as January, you will receive extra letters until you pay.
I had this problem when I went Self Employed, until I did a deal with them
I am referring to Nationwide BS >:(
Bastids, Bastids :y :y :y
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The Mortgage company's nowadays are the pitts as against years ago. For instance...if you miss January payment and pay on February 1st, then pay February payment on the 20th, you will receive a letter with all the threatening garbage saying you are in default. Explaining why you are a day late makes no difference. Under their system, you have paid January late and March early. And unless you make an extra payment as January, you will receive extra letters until you pay.
I had this problem when I went Self Employed, until I did a deal with them
I am referring to Nationwide BS >:(
Bastids, Bastids :y :y :y
I remember having similar problems many years ago, I used to get a monthly wage but my commission was paid 3 monthly and they were not too happy with my proposal for payment............ ::) ::) Was short lived as I moved away into alternative accommodation, till I finally needed to settle down and buy a house in 1999............... :y :y
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We bought our first house in 1998 (I think) and had the hard sell on an endowment, I asked what the risk level was and how they could forecast such a return over such a long period of time. When the scrote there could not answer such a basic question, we went against his advice and chose a repayment which was a great move.
When trading up four years later I spoke to an independent mortgage advisor who had originally setup the mortgage department of the Market Harborough building society. He ran the numbers and demonstrated to me that if we stayed on a 21 year mortgage (having paid off 4 years) when we moved and then moved suppliers to a 5 year fixed rate, we would only pay £46 more per month than if we went back to a 25 year term.
Probably the best advise we ever had on Mortgages, saved big money and means the mortgage is paid off just as the eldest hits 18.
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When trading up four years later I spoke to an independent mortgage advisor who had originally setup the mortgage department of the Market Harborough building society. He ran the numbers and demonstrated to me that if we stayed on a 21 year mortgage (having paid off 4 years) when we moved and then moved suppliers to a 5 year fixed rate, we would only pay £46 more per month than if we went back to a 25 year term. ....
Very similar to us. Having paid 5 years off from a 25 yr mortgage we moved house ...... I can't think what the figures were, but the difference between a 20 yr & another 25 yr mortgage was negligible
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Makes me cringe. It looks like this could be a good time to buy, but I'm now just 30, managing to scrape by on a sub 10k wage, after 7 years out of Uni been doing various contract and temp work job, when I have to look at guys that sat at the back smoking in class, not paying attention, got thrown onto the nearest building/bricklaying/plumbing course, now cruising around doing very well for themselves, thank you. And I'm unable to even rent a place on my own. Never claimed a day's dole. Got a girlfriend who is just started Uni, so will be basically penniless for at least the next 4 years, I imagine. I know 'my time will come' etc.. and the road to untold wealth and riches is a long one, but I know that property is going to explode in price again, and probably about five minutes before I've got just enough cash saved up to actually get a mortgage. >:( Makes me cringe.
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Makes me cringe. It looks like this could be a good time to buy, but I'm now just 30, managing to scrape by on a sub 10k wage, after 7 years out of Uni been doing various contract and temp work job, when I have to look at guys that sat at the back smoking in class, not paying attention, got thrown onto the nearest building/bricklaying/plumbing course, now cruising around doing very well for themselves, thank you. And I'm unable to even rent a place on my own. Never claimed a day's dole. Got a girlfriend who is just started Uni, so will be basically penniless for at least the next 4 years, I imagine. I know 'my time will come' etc.. and the road to untold wealth and riches is a long one, but I know that property is going to explode in price again, and probably about five minutes before I've got just enough cash saved up to actually get a mortgage. >:( Makes me cringe.
Surely the whole point of 'additional' education is that when you finally start work you get well paid (well above the average wage of £27000) for the sacrifices you have made.
Otherwise what is the point.
Confused of Lincolnshire. :D ;D
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I guess that is very dependent on the degree you opted to do.
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The problem in my opinion is that a university education has become 'cheapened' over the years.
When I left school in 1976 roughly 4% of the population went on to university. I refuse to call it Uni... ::) ::) ;)
What is the percentage today......45%....50%?
Unless you attend either Oxford or Cambridge the benefits of a university education are extremely limited. :-\
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The problem in my opinion is that a university education has become 'cheapened' over the years.
When I left school in 1976 roughly 4% of the population went on to university. I refuse to call it Uni... ::) ::) ;)
What is the percentage today......45%....50%?
Unless you attend either Oxford or Cambridge the benefits of a university education are extremely limited. :-\
I disagree, a university education is still very valuable and possibly even more so in many fields, what has changed is there are now far to many noddy courses designed to get bums on seats which have limited use after graduation.....
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The problem in my opinion is that a university education has become 'cheapened' over the years.
When I left school in 1976 roughly 4% of the population went on to university. I refuse to call it Uni... ::) ::) ;)
What is the percentage today......45%....50%?
Unless you attend either Oxford or Cambridge the benefits of a university education are extremely limited. :-\
I disagree, a university education is still very valuable and possibly even more so in many fields, what has changed is there are now far to many noddy courses designed to get bums on seats which have limited use after graduation.....
I'd only advise youngsters to go to university these days if they are going to do something specific that will teach them a valuable skill. :y
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The problem in my opinion is that a university education has become 'cheapened' over the years.
When I left school in 1976 roughly 4% of the population went on to university. I refuse to call it Uni... ::) ::) ;)
What is the percentage today......45%....50%?
Unless you attend either Oxford or Cambridge the benefits of a university education are extremely limited. :-\
I disagree, a university education is still very valuable and possibly even more so in many fields, what has changed is there are now far to many noddy courses designed to get bums on seats which have limited use after graduation.....
I'd only advise youngsters to go to university these days if they are going to do something specific that will teach them a valuable skill. :y
A skill that is in demand and subsequently well paid. :y
As Mark says......too many worthless courses out there these days.
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The problem in my opinion is that a university education has become 'cheapened' over the years.
When I left school in 1976 roughly 4% of the population went on to university. I refuse to call it Uni... ::) ::) ;)
What is the percentage today......45%....50%?
Unless you attend either Oxford or Cambridge the benefits of a university education are extremely limited. :-\
I disagree, a university education is still very valuable and possibly even more so in many fields, what has changed is there are now far to many noddy courses designed to get bums on seats which have limited use after graduation.....
I'd only advise youngsters to go to university these days if they are going to do something specific that will teach them a valuable skill. :y
A skill that is in demand and subsequently well paid. :y
As Mark says......too many worthless courses out there these days.
Especially when they'll come out with debts of mortgage size proportions!! :o
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Go back a couple of generations and virtually every person with a university education was guaranteed a desirable well paid job. That no longer holds true.
Today, a graduate may say to a potential employer. " I've been to university"....to which the employer may reply " so has nearly everyone these days.......including the cat's mother. ;)
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The problem in my opinion is that a university education has become 'cheapened' over the years.
When I left school in 1976 roughly 4% of the population went on to university. I refuse to call it Uni... ::) ::) ;)
What is the percentage today......45%....50%?
Unless you attend either Oxford or Cambridge the benefits of a university education are extremely limited. :-\
I disagree, a university education is still very valuable and possibly even more so in many fields, what has changed is there are now far to many noddy courses designed to get bums on seats which have limited use after graduation.....
I'd only advise youngsters to go to university these days if they are going to do something specific that will teach them a valuable skill. :y
A skill that is in demand and subsequently well paid. :y
As Mark says......too many worthless courses out there these days.
Especially when they'll come out with debts of mortgage size proportions!! :o
Yes....In my old age this important consideration slipped my feeble mind. ;D
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Go back a couple of generations and virtually every person with a university education was guaranteed a desirable well paid job. That no longer holds true.
That's because back 'then' the courses were those demanded by industry and driven by professional bodies etc. Its when Universities had to stand on their own two feet they came up with weird and wonderful extra courses which have little or very niche use in the real world.
Today, a graduate may say to a potential employer. " I've been to university"....to which the employer may reply " so has nearly everyone these days.......including the cat's mother. ;)
Again, depends what field you are going into, try to get into most of the 'professions' without and you don't have cat in hells chance. My advice would always be go to University if you can but, select and research your course well.
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Go back a couple of generations and virtually every person with a university education was guaranteed a desirable well paid job. That no longer holds true.
That's because back 'then' the courses were those demanded by industry and driven by professional bodies etc. Its when Universities had to stand on their own two feet they came up with weird and wonderful extra courses which have little or very niche use in the real world.
Today, a graduate may say to a potential employer. " I've been to university"....to which the employer may reply " so has nearly everyone these days.......including the cat's mother. ;)
Again, depends what field you are going into, try to get into most of the 'professions' without and you don't have cat in hells chance. My advice would always be go to University if you can but, select and research your course well.
Broadly speaking this has some merit. ;) But university is not the only way to an affluent life it once was.
Today there are other options.
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Agree with comments, I could very easily be one of them that whinges that they can't get a job after their scraping pass in 'Film Studies' or whatever, and basically 'expect' a job/the world owes me etc.. And on a separate note, can't stand that type :y Every one and his mate going to Uni has cheapened Degrees, that no-one really cares that you've gone, tried your damnedest, literally shed tears over your work, racked up a ton of debt I could have bought a mint Monza GSE for with pocket change for a rough Viva, and still have 7 grand spare change to spend on doing it up.
As it goes managed to get to Coventry University on the Automotive Design course (so basically sketching, conceptualising, designing, and engineering cars) It's considered in the top ten internationally for Automotive Design, some say the best. It was a 4 years course. (could have done 3, but aimed for 4.) Managed to get in with 100ish other successful applicants of approx 6,000 that apply annually. About a third end up dropping out/don't make the sufficient grade by 3rd year. Managed to get designing for a company in Austria for a while after graduating, but once the contract finished, that was late '07, and the world went poo-poo, everywhere started cutting back in the area that won't show for a few years - design departments. (think of it as stopping maintaining the railways - you save money, you won't see any detriment for years, and by then it's someone else's problem.) Eg: That year Chrysler closed an entire studio, of 100 designers, all with 10+ years experience, and I sort of lost faith a bit when that happened - you think, 'well who would employ me?' The bias is massively toward experience, with companies expecting 3-5 years minimum experience from anyone... including fresh graduates amazingly! :( On average they say there's ten new jobs annually worldwide.
So since done various freelance work, worked on a fuel cell project, which may yet make it to full production, and mostly graphic design (which I'm now in) painting, had a small studio doing commissions, shop work, office work, temp work (that was a weird one - making up the 'help' pack ring binders for people about to be made redundant. ::) ) buying selling tat from car boot sales, handing out fliers outside a club, you name it. Very glad of my badly paid graphics job, because it's a rung on a ladder.
So restoring the old V6 is a bit of a therapeutic exercise, especially as she was the Diamond Black Beauty in which that the old man ferried me to and from home during most of my Uni days. Many happy memories, about being young and stressing about the hand-in in a fortnight. Will have to dig out a few pics I've done over the years.
I digress, it seems. Thanks for the waffle, gents, got it off my chest! :y
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DBG....with your 'proper' qualifications I'm sure you will eventually thrive.
Seems like a degree worth having to me. :y
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Was at MIRA proving ground and heard a burbley roar, saw a shape tear round the banked track- it was a heavily disguised XK (and well before production) that was fun :)
Thanks Mr The Bear :y Really enjoyed it so much. Hope one day I'll be back in that studio. I remember Magna Steyr on my 1st day and I am pointed to a wall, and told "If you are needing the break, you are tired, you can look at this. Is fine" on the wall was a rack about 10ft x 5ft full of every car mag out that week/month. I ask "So you are willing to pay me to read car magazines?" He smiles and says "It is the research, ya?" Good times. And the panoramic office window looked out onto the alps in the distance. :y
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Was at MIRA proving ground and heard a burbley roar, saw a shape tear round the banked track- it was a heavily disguised XK (and well before production) that was fun :)
Thanks Mr The Bear :y Really enjoyed it so much. Hope one day I'll be back in that studio. I remember Magna Steyr on my 1st day and I am pointed to a wall, and told "If you are needing the break, you are tired, you can look at this. Is fine" on the wall was a rack about 10ft x 5ft full of every car mag out that week/month. I ask "So you are willing to pay me to read car magazines?" He smiles and says "It is the research, ya?" Good times. And the panoramic office window looked out onto the alps in the distance. :y
I would regularly pass this facility on the A5 back in the 1990's. :y
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:y The stuff they've had there... about 50% or easily much less the public have even seen. If you ever want to look at the website AROnline, and look at all the aborted concepts/prototypes that BMC/BL/AustinMorrisRover/MGRover have had, its amazing.
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I was bright enough to keep my monthly payments on the interest only mortgage high when the interest rates dropped, so even though endowment was/is bad, combined it would probably have been ok.
I'm hoping when my endowment matures, my current repayment, taken out in 2003 on a 23yr term, will virtually cover it, as once again, I've kept my mortgage repYments high
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Look at it this way TB...one day you will be able to do what I intend to do, and that is sell my house and move up to Brackley.....and put a big wadge of dosh in the bank ;D ;D ;D ;D ;D :y
Unfortunately, you may have to go further north :)
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Unfortunately, you may have to go further north :)
??? ??? We might not want or let him ::) ::)
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Unfortunately, you may have to go further north :)
??? ??? We might not want or let him ::) ::)
There's two sides to the Penines ;)
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Unfortunately, you may have to go further north :)
??? ??? We might not want or let him ::) ::)
There's two sides to the Penines ;)
;D ;D
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Unfortunately, you may have to go further north :)
??? ??? We might not want or let him ::) ::)
There's two sides to the Penines ;)
Lancashire, and the nice side :P
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Unfortunately, you may have to go further north :)
??? ??? We might not want or let him ::) ::)
There's two sides to the Penines ;)
Lancashire, and the nice side :P
:P :P ;D ;D
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Unfortunately, you may have to go further north :)
??? ??? We might not want or let him ::) ::)
There's two sides to the Penines ;)
Lancashire, and the nice side :P
:y :y