Old Gold Posted October 25, 2014 Report Share Posted October 25, 2014 Got the afternoon off work quite by chance. Especially welcome due to suffering a fairly blunt hangover after drinking mingin' pints at the Old Hairdressers last night. Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted October 25, 2014 Report Share Posted October 25, 2014 That was my first gig at the old hairdressers. pretty cool room but couldn't hear any vocals. Can't remember the beer. I got on the rum fairly quick. Quote Link to comment Share on other sites More sharing options...
Old Gold Posted October 27, 2014 Report Share Posted October 27, 2014 That was my first gig at the old hairdressers. pretty cool room but couldn't hear any vocals. Can't remember the beer. I got on the rum fairly quick.Aye, I think their PA is fairly boggin' for anything bigger than a 2 piece of memory serves. Shrewd move on the rum. Quote Link to comment Share on other sites More sharing options...
MattJimF Posted October 29, 2014 Report Share Posted October 29, 2014 Yeah the book doesn't play well with iPhones, but I'm working on getting a epub version of it, which has been a pain the ass. Oddly my solution to solving it has come from Apple as well, although not the ibooks version.Now available on Amazon Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted October 30, 2014 Report Share Posted October 30, 2014 Finally got round to subscribing to Viz. 1 Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted October 31, 2014 Report Share Posted October 31, 2014 Last mortgage payment at my totally gay fixed rate is tomorrow. Quote Link to comment Share on other sites More sharing options...
Alkaline Posted October 31, 2014 Report Share Posted October 31, 2014 Last mortgage payment at my totally gay fixed rate is tomorrow.Same. We don't live together do we? Quote Link to comment Share on other sites More sharing options...
Adam Easy Wishes Posted October 31, 2014 Report Share Posted October 31, 2014 (edited) Final student loan payment made today. Fuck you student loan! Fuck you university! Take that! Also, the money that has been coming off every month is now real cold hard cash in ma pooch at the end of the month again. Edited October 31, 2014 by Adam Easy Wishes 2 Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted October 31, 2014 Report Share Posted October 31, 2014 Quote Link to comment Share on other sites More sharing options...
Chris Posted October 31, 2014 Report Share Posted October 31, 2014 Quote Link to comment Share on other sites More sharing options...
Adam Easy Wishes Posted October 31, 2014 Report Share Posted October 31, 2014 Yeah, just off the phone with them this morning to pay the small balance. They've sent a stop notice to HMRC so hopefully it will kick in by next month's payroll. Thx for the advice. Quote Link to comment Share on other sites More sharing options...
Spoonie Posted October 31, 2014 Report Share Posted October 31, 2014 If it's coming off from your payslip, they won't stop unless you've already contacted them before the tax year, as the money doesn't go to them each month, it gets pooled and paid to them in April, so they most likely won't have noticed that you've overpaid. That's no bad thing tho, because you can then get a chunky rebate in the spring which can be a springboard for your savings or treating yourself! Good to get off a crappy mortgage deal too. We did ok with our first deal but I know of a tonne of people who are on horrible rates because it's all they could get and are desperate to get onto something that will dree up some cash each month! 1 Quote Link to comment Share on other sites More sharing options...
Spoonie Posted October 31, 2014 Report Share Posted October 31, 2014 Beaten to it! But good that you've got it sorted! Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted October 31, 2014 Report Share Posted October 31, 2014 Quote Link to comment Share on other sites More sharing options...
MattJimF Posted October 31, 2014 Report Share Posted October 31, 2014 6 Quote Link to comment Share on other sites More sharing options...
Paranoid Android Posted October 31, 2014 Report Share Posted October 31, 2014 bunch of grown ups in this thread! Quote Link to comment Share on other sites More sharing options...
Spoonie Posted October 31, 2014 Report Share Posted October 31, 2014 6.29% is some serious mortgage action! Glad to hear you've got away from that. Are you getting the property re-valued with the new mortgage to take into a ccount any increase in property value? We got our flat for below the valuation on the home report, but since the mortgage only takes purchase value into account, you get shafted on the LTV until you can get it revalued in remortgaging. At the moment we're overpaying monthly and gonna re-value it when the fixed rate comes to an end to try and drop into the next LTV band, which will probably be roughly in the time for the rates starting to rise nationally, so should offset it. Quote Link to comment Share on other sites More sharing options...
Stroopy121 Posted October 31, 2014 Report Share Posted October 31, 2014 Literally the only thing I know about my mortgage is the house it's paying for. xx 1 Quote Link to comment Share on other sites More sharing options...
Flights Posted October 31, 2014 Report Share Posted October 31, 2014 I'm glad I don't have a mortgage. Sounds confusing!On holiday for 2 weeks in 2 hours. Can't wait! 1 Quote Link to comment Share on other sites More sharing options...
Spoonie Posted October 31, 2014 Report Share Posted October 31, 2014 Stroopy - without sounding like an old man (I've noticed that seems to happen every time I post on AbMus nowadays - I used to be cool!) you should dig out the paperwork and check out the details. For most people, it's the singest biggest financial commitment that they will ever have so you want to make sure you're not paying any more than you need to. Check a few things out - what type of mortgage are you on (typically either fixed which is the same rate for a set time or a tracker/variable which goes up and down with the base rate) and check the term of the mortgage and when that term ends. So you might find you have a 2 year fixed rate, or whatever. Once you know that stuff, you're in a good place to consider when you need to be shopping around :-) Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted November 1, 2014 Report Share Posted November 1, 2014 Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted November 1, 2014 Report Share Posted November 1, 2014 What the fuck is LTV? Quote Link to comment Share on other sites More sharing options...
Alkaline Posted November 1, 2014 Report Share Posted November 1, 2014 What the fuck is LTV?Loan To Value? Quote Link to comment Share on other sites More sharing options...
Spoonie Posted November 1, 2014 Report Share Posted November 1, 2014 Quote Link to comment Share on other sites More sharing options...
James Broonbreed Posted November 1, 2014 Report Share Posted November 1, 2014 Cheers for the info' I'll look into this once I'm not extremely hungover. Quote Link to comment Share on other sites More sharing options...
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