Absolutely, mate, it’s a joke from Brynmawr to Hirwaun - I left Brynmawr in 2013, that’s when they started this magical adventure with the A465.The Heads of the Valleys road (A465) is a disaster zone from start to finish. Even the bit they finished before the EU money dried up has a 50 limit on a perfectly good, virtually empty, two-lane dual carriageway, for some bizarre reason (at least it isn't in the Welsh blanket 20 zone). And the bit they haven't finished around Brynmawr is like the surface of the f*cking moon!! I think they must have appointed the same contractor as the one supposedly "working" on the Stoneleigh junction! Clowns!
This is like a screen-write from a futuristic film.Absolutely, mate, it’s a joke from Brynmawr to Hirwaun - I left Brynmawr in 2013, that’s when they started this magical adventure with the A465.
Didn’t realise they blew the EU money so quickly, but then, that explains a heck of a lot. Especially the detritus between Dowlais Top and Hirwaun itself.
For clarity (so your mirth is language accurate) it’s pronounced ‘her-wine’.I’ve seen things you people wouldn’t believe. Attack ships on fire off the shoulder of Hirwaun.
Could be the churchyard?Some scum around , someone stole a bottle of beer that my brother put on my dad’s grave for his birthday . I’m tempted to by a half bottle of whisky and piss in it and leave it up there
Yes possibly ,Could be the churchyard?
Did he actually say "Up the franchise"??'MK Dons are my second club' good grief
Well it's out of their hands, what are the people at the BOE doing?
Can we tell the bank it’s out of our hands?Well it's out of their hands, what are the people at the BOE doing?
Mortgage interest rates. Our payments were due to go up by £650 a month on the standard rate, managed to renew a fixed term for an extra £250 a month.
Many thanks to the Tories…
We have gone in for another 5 year fixed term. Need the certainty1975 (as far back as i looked) to 2008 B of E rate never went below 4.5% so the rate today of 5.25% is in fact low - Be careful if tying into long fixed terms now however , as rates should begin to come down a little at the end of the summer
Excuse my ignorance on how mortgages currently work but what happened to getting a mortgage for 25 years like I did when I bought my first 2 houses in 1985 & 1988? Then the only choice I think was an endowment or a repayment mortgage. It just seems crazy to me that houses are now bought by taking out multiple short term mortgages (unless you can still do that but people choose not to!)We have gone in for another 5 year fixed term. Need the certainty
This is the term/length of the mortgage, which theses days can go up to 40 years, but the rate of interest payable can change during the term of the mortgage, usually the interest payable will have an introductory period with a favourable interest rate (usually a few years)Excuse my ignorance on how mortgages currently work but what happened to getting a mortgage for 25 years like I did when I bought my first 2 houses in 1985 & 1988? Then the only choice I think was an endowment or a repayment mortgage. It just seems crazy to me that houses are now bought by taking out multiple short term mortgages (unless you can still do that but people choose not to!)
We have a 25 year mortgage. The fixed terms I’m on about here are about the interest rates.Excuse my ignorance on how mortgages currently work but what happened to getting a mortgage for 25 years like I did when I bought my first 2 houses in 1985 & 1988? Then the only choice I think was an endowment or a repayment mortgage. It just seems crazy to me that houses are now bought by taking out multiple short term mortgages (unless you can still do that but people choose not to!)
The rate of interest could change with my first couple of mortgages and did quite a few times (black Wednesday anybody when it went up from something like 10% to 15% in 1 day!!). The interest rates were commonly around 8% and never as low as 4-5%. And you could change lenders during a mortgage life and many did for better rates or shorter terms. Do current homebuyers get a 20-40 year mortgage with an initial 2-3 year period under a fixed rate and change at the end of that period hoping to get a better rate for the next 2-3 years and the life term of the mortgage reduces each time?This is the term/length of the mortgage, which theses days can go up to 40 years, but the rate of interest payable can change during the term of the mortgage, usually the interest payable will have an introductory period with a favourable interest rate (usually a few years)
So every time the fixed term rate ends you potentially move to a different lender?We have a 25 year mortgage. The fixed terms I’m on about here are about the interest rates.
There were a few choices:So every time the fixed term rate ends you potentially move to a different lender?
This is supposed to be things that annoy you, not a gloatWe currently have a 16 year mortgage whose end coincides with my state pension age. We took out a TEN year fix at the beginning. It was a bit over the odds compared to shorter fixes available at the time (3.65%), but we wanted the certainty of being able to afford it in ten years' time just as well as we could at the start (slightly risk-averse, similar to what Brighton has chosen to do). We are now so glad we did that, as it has possibly saved our bacon. Hopefully when the fixed rate ends, we will have enough in savings (mostly from an inheritance) to pay off the balance several years early, and possibly be able to afford to retire early too.
And his post has annoyed you so it’s all a bit metaThis is supposed to be things that annoy you, not a gloat
It was a tongue in cheek comment, so your post has annoyed me more than his. Disgusting.And his post has annoyed you so it’s all a bit meta
Maybe that was my aimIt was a tongue in cheek comment, so your post has annoyed me more than his. Disgusting.
I didn't even know you could use a card for deposit? Mine have always wanted proof I have it.Are offset mortgages still a thing?
I smashed the fuck out of my first mortgage using one of them beauties combined with an interest free credit card to pay half the deposit.......piece of piss.....
If such companies cared about ‘safe’ gambling they’d cap the maximum wager to £5 a day for all usersThe fact you can deposit a 5er into Sky Bet, but minimum withdrawal is a 10er.
Surely that goes against their half hearted "safer" gambling ideology.
If such companies cared about ‘safe’ gambling they’d cap the maximum wager to £5 a day for all users
She's got to steal Klopp's thunder?That fat pig who manages Chelsea women.
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