Loxstock92

Just now, DCJonah said:

25 years left. 

The increase isn't going to kill us financially but I was just thinking of it as a short term pause with the hope that interest rates come down. 

Yes it will slow down the rate but at some point my wife and I will inherit money and would look to pay a lump sum then in the future. 

 

Ahhh if it’s 25 years then it’s not so bad then. You can throw the numbers into a calculator and decrease the term by 2 years and see the difference assuming rates don’t change, shouldn’t be that much relative to what you were going to be paying. Just check that you meet the criteria for going onto interest only as they can be quite strict and require a low loan to value and plenty of equity depending on the lender.

You can still put any extra money into the mortgage whilst on IO so stil bringing the debt down if you wanted to. 

if you went down the term extension route, you can apply under the mortgage charter up to retirement age without the need for any formal checks. You can switch to IO on this however it’s only for 6 months. 
 

46 minutes ago, DCJonah said:

My mortgage is set to go up by about £500 in September. 

Is it a crazy idea to remortgage with an interest only mortgage for 2 years and hope interest rates have come down when I remortgage again? 

How long have you got left on your term? Going onto Interest only may not be much less than what you were paying at the moment.

Only concern would be that the shorter your term remaining, if rates don’t come down in 2 years, then your monthly payments will be even higher when you go back onto repayment 

41 minutes ago, Jareth said:

have you met UK evangelists? Very weird people

That’s my mom unfortunately. 

8 hours ago, MaVilla said:

1) What would the world be like if the Roman Empire never fell?

Not the same but similar-ish. (There’s 2 more videos on the channel)

seems an appropriate thread to share this.

Ive watched Cody’s videos for a few years now, find them really interesting/entertaining. Has some interesting ideas for different historical events. Would highly recommend. 

3 hours ago, Genie said:

The problem I have is that the office is 40 miles away, plus st home I have my own office.

To go back full time means a lot of money on fuel, a lot more sitting on the M42 and a lot less sleep.

I genuinely think the business works better with 90% of people WFH. Whilst you (not you specifically) might think people would be off cutting the lawn or watching Netflix it doesn’t seem to happen. More often than not I can get hold of people immediately, something I couldn’t before. Even if Teams says they are in a meeting I can drop a message and get a quick reply. It’s far more efficient.

And if you want to wfh full time you should be able to. It should be down to the individual not the company on whether you wfh.
 

Some of my colleagues would rather wfh permanently and I think they should be allowed to do so if that’s what they want. I’ve seen other people in the thread mention their companies backtrack on allowing wfh and it’s annoyed me. 

sorry I rambled on a bit before I was half asleep rocking a toddler to sleep

I work in a mortgage contact centre for a fairly large building society. Been there for 10 years. When Covid hit, I was one of the first to go wfh due to my mrs having very severe asthma and didn’t want to take chances of getting covid.
 

At first it was a great novelty, not having to commute, have a lie in, felt more comfortable. After a year and a half of that I just couldn’t do it. I’d isolated myself so much that I became miserable and requested to come back to the office full time. For me, I’m much happier in an office cause I like my colleagues, it’s a great place environment. 
 

our policy is that you can either work 1 week in 4 in office, or mixed during the week. I think people should be given the choice as long as they’re productive. I’ve spoken to staff in other call centres, one of which who had worked from home since covid permanently. Fair play, if that makes you happy and works for you, you carry on.

8 minutes ago, lapal_fan said:

My son got into the Worcester Academy over the winter, with a view of being part next seasons squad

Fantastic news!

Anyone else’s kids have a noise sensitivity when they were toddlers? 
 

I’ve just picked up little un from childminder and she said that he was freaking out at the sounds of motorbikes and aeroplanes above to the point of complete meltdown. This seems new as he’s never really been like that around me and mrs. 

im trying not to freak out cause he was born prematurely and he had a bad reaction to gentamyacin which I know can affect hearing. He has an audiologist so will mention at next appointment but yeah just wanted some other peoples thoughts.

52 minutes ago, ferguson1 said:

Our worst fears. We’re all broken right now. 

Sorry to hear this mate, condolences to the family

5 minutes ago, Davkaus said:

We've had omeprazole, gaviscon and domperidome twice a day, and still have an exorcist event a few times a week, I'm losing my **** shit. But we're down from every single feed, so that's something.

A few days ago, after getting out plenty of wind and leaving half an hour for the feed to settle, she covered the car within seconds of putting her in, I just broke down in tears, there was nothing else I could do.

Think the current record for her projectile vomiting is 3.5m.

I’m sorry to hear this mate. How old is your little one? If it’s any consolation as mentioned previously we went through the exact same thing with our little one. I’d does get easier and once they’re onto solids it reduced drastically in our case. 
 

Might be worth asking doctor about lanzaprozol. Our consultant told us gaviscon and omeprazole were pretty much useless for really bad reflux. 

16 minutes ago, El Segundo said:

 

Excellent!  Can you do one now for “Progressive” Left wing politically correct socially aware tolerant of everything except dissent kind to everyone except dissenters and anyone accused of anything anywhere justice warrior virtue signalling Marxist authoritarian you're not extreme left therefore you must be extreme right judge jury and executioner cliché bingo?  Just in the interests of balance of course....oh, silly me I forgot where I was for a second.  

It’s a meme…..

feel free to make your own?

4 hours ago, Zatman said:

TNT Sports is such a shit name

I dunno, sounds dynamite to me.

7 minutes ago, StefanAVFC said:

Most times a little bit, but once or twice it's been a lot.

You will get the odd projectile vomit which is normal. My little un who was 6 weeks premature had really bad vomiting which required medication for the first year. 
 

I know it’s easier said than done but try not to worry, but there’s nothing wrong with seeing the doctor if you’re really concerned.

Congrats btw!

3 minutes ago, NurembergVillan said:

TBF, you've just lobbed a South African murderer into the conversation so Prince Andrew is as good as anyone

1 hour ago, sidcow said:

Fished a stick out the stock of kindling from under our firepit. Been staring at it for ages from all sorts of angles, can't see any football at all. 

Does it need to be from a particular type of tree? 

3 hours ago, AvfcRigo82 said:

•I have played with Erik Lamela, Giorgio Chiellini and Sergio Ramos.

•I am the all time top scorer of my country. Who am I?

Gareth bale? 

Just now, AvfcRigo82 said:

Ezzalzouli..

I said;

 

Ahhh my bad, I missed the last ‘if’ and thought you were revealing something

1 minute ago, AvfcRigo82 said:

So it looks like he's more of a promising young talent who's stock seems to be on the rise. An attacking left winger, sill only 21 and I guess a decent stop gap and cover for Bailey on that left attacking side.

Will be good to see him in the Europa Conference games.

Small wages and a decent bit of business for such a low fee.

Good window.  

Wait, what? 

Ok, own up

Can we get to 1100 pages before the deadline?

7 minutes ago, AvfcRigo82 said:

Turns out chiesa is an inch shorter so he’s not the ‘bigger’ signing