Ad Lib Posted January 14, 2016 Share Posted January 14, 2016 If you could disagree in less than a hundred words folk may pay more attention. If your attention span is less than 500 words, I don't care what you think. For the record, the contributions I've made on this thread were: 104 words 141 words (replied to by the poster in question with 166 words) 315 words 123 words None of these is egregious. It's called being an adult, and therefore capable of constructing more than a paragraph to communicate more than 3 or 4 ideas or pieces of information. Link to comment Share on other sites More sharing options...
Granny Danger Posted January 14, 2016 Share Posted January 14, 2016 If your attention span is less than 500 words, I don't care what you think.For the record, the contributions I've made on this thread were:104 words141 words (replied to by the poster in question with 166 words)315 words123 wordsNone of these is egregious. It's called being an adult, and therefore capable of constructing more than a paragraph to communicate more than 3 or 4 ideas or pieces of information. Anyone who has any doubt about what you contribute to this forum (as opposed to what you could contribute to this forum) need only read that post. I won't encourage you by responding to any reply. Link to comment Share on other sites More sharing options...
Ad Lib Posted January 14, 2016 Share Posted January 14, 2016 Anyone who has any doubt about what you contribute to this forum (as opposed to what you could contribute to this forum) need only read that post. I won't encourage you by responding to any reply. For the benefit of those so senile they cannot read, on average in this thread, posts of 112 words (now 105) in length, perhaps some actual evidence instead of posturing about people having more nuanced and thorough arguments is in order? Link to comment Share on other sites More sharing options...
John Lambies Doos Posted January 14, 2016 Share Posted January 14, 2016 If your attention span is less than 500 words, I don't care what you think. For the record, the contributions I've made on this thread were: 104 words 141 words (replied to by the poster in question with 166 words) 315 words 123 words None of these is egregious. It's called being an adult, and therefore capable of constructing more than a paragraph to communicate more than 3 or 4 ideas or pieces of information. You counted this ) Link to comment Share on other sites More sharing options...
Ira Gaines Posted January 14, 2016 Share Posted January 14, 2016 Thought Dangers original point was shit anyway. It's not just the number of words that's the problem. Ad Lib can be more boring in four lines than some can be in four long paragraphs. That's the problem. Link to comment Share on other sites More sharing options...
Ad Lib Posted January 14, 2016 Share Posted January 14, 2016 Thought Dangers original point was shit anyway. And you were correct to think so. It's not just the number of words that's the problem. Ad Lib can be more boring in four lines than some can be in four long paragraphs. That's the problem. It's a talent of mine. Link to comment Share on other sites More sharing options...
Dindeleux Posted January 14, 2016 Share Posted January 14, 2016 How long is your fixed term for? When it expires you will be dumped on variable rate... will probably be lower than fixed tho due to continual fall in rates 5 years. My dad is a mortgage advisor so I'm pretty sure I've had good advice. You don't get dumped on a variable rate, you call whoever your mortgage is with and negotiate/choose your next rate. Link to comment Share on other sites More sharing options...
John Lambies Doos Posted January 14, 2016 Share Posted January 14, 2016 5 years. My dad is a mortgage advisor so I'm pretty sure I've had good advice. You don't get dumped on a variable rate, you call whoever your mortgage is with and negotiate/choose your next rate. You do if you don't negotiate, you will revert to standard variable rate. Of course you can fix again of course. No way I'd have fixed for 5 yrs with rates going downwards. But each to our own Link to comment Share on other sites More sharing options...
sophia Posted January 14, 2016 Share Posted January 14, 2016 It's a talent of mine. not a talent Link to comment Share on other sites More sharing options...
Granny Danger Posted January 14, 2016 Share Posted January 14, 2016 You do if you don't negotiate, you will revert to standard variable rate. Of course you can fix again of course. No way I'd have fixed for 5 yrs with rates going downwards. But each to our own If it's a recent mortgage fixed rate makes sense. With inflation at 0% there's no way the rates will drop any more but any unexpected economic changes could see them going up. Please forward the £200 fee for unsolicited financial advise to my account. Link to comment Share on other sites More sharing options...
John Lambies Doos Posted January 14, 2016 Share Posted January 14, 2016 If it's a recent mortgage fixed rate makes sense. With inflation at 0% there's no way the rates will drop any more but any unexpected economic changes could see them going up. Please forward the £200 fee for unsolicited financial advise to my account. It all depends on your rate. Fixed rates are set based on variable trends, if the variable is going down you could be lucky. But if the variable is at the bottom like you say, then a fixed rate will most certainly be higher.. so there is your risk. Ie variable rents could increase and you could be quids in..... but this is unlikely in short to mid term thus you will probably end up paying more over say a 3yr fixed termI will see your 200 and raise u.. Link to comment Share on other sites More sharing options...
Dindeleux Posted January 14, 2016 Share Posted January 14, 2016 It all depends on your rate. Fixed rates are set based on variable trends, if the variable is going down you could be lucky. But if the variable is at the bottom like you say, then a fixed rate will most certainly be higher.. so there is your risk. Ie variable rents could increase and you could be quids in..... but this is unlikely in short to mid term thus you will probably end up paying more over say a 3yr fixed term I will see your 200 and raise u.. Your probably right but I would rather have my payments fixed for a period with the assumption and hope that at the end of the 5 years I either get a better rate ( or similar ) or my financial circumstances will have improved to where I could possibly "gamble" on a variable rate although of course gamble isn't the right word. I'm comfortable. Link to comment Share on other sites More sharing options...
John Lambies Doos Posted January 15, 2016 Share Posted January 15, 2016 Your probably right but I would rather have my payments fixed for a period with the assumption and hope that at the end of the 5 years I either get a better rate ( or similar ) or my financial circumstances will have improved to where I could possibly "gamble" on a variable rate although of course gamble isn't the right word. I'm comfortable. Fair point. Least you know where you are for 5yrs and like you say you should hopefully be earning more money etc etc.. Link to comment Share on other sites More sharing options...
Loondave1 Posted January 15, 2016 Share Posted January 15, 2016 Having had a late 80/90s mortgage pushing at 15% im not tear stained at reading any of this. Link to comment Share on other sites More sharing options...
Billy Jean King Posted January 20, 2016 Share Posted January 20, 2016 Replacement (well rehashed at least) c/tax proposals to be announced within the next few months. I suspect this will be a fiddle with the bands rather than anything too radical and will not come into force until April 2017 at the earliest. Link to comment Share on other sites More sharing options...
ddfg Posted January 21, 2016 Share Posted January 21, 2016 Instead of setting payments on income or the value of property would it not be fairer to base them on the volume of services used thus ensuring that a person living alone would not be burdened with paying for services provided to a large family. An entry level levy could be set and then additional charges applied depending on household size. It may take time to set up but if enough effort went into it this could be taken to its logical conclusion with a menu of services being created from which individuals could choose which services they wanted, that way if you want to use the library and council childcare you pay the set fees for those services but if you've got a kindle and no kids and fancy the local council gyms you would pay for that and not the services you never use. Seems much fairer than a blanket charge for local services you may never use or benefit from. Link to comment Share on other sites More sharing options...
strichener Posted January 22, 2016 Share Posted January 22, 2016 Instead of setting payments on income or the value of property would it not be fairer to base them on the volume of services used thus ensuring that a person living alone would not be burdened with paying for services provided to a large family. An entry level levy could be set and then additional charges applied depending on household size. It may take time to set up but if enough effort went into it this could be taken to its logical conclusion with a menu of services being created from which individuals could choose which services they wanted, that way if you want to use the library and council childcare you pay the set fees for those services but if you've got a kindle and no kids and fancy the local council gyms you would pay for that and not the services you never use. Seems much fairer than a blanket charge for local services you may never use or benefit from. Playing devil's advocate here: If I choose to have refuse collection, I will be charged more for the same service due to household size? If I walk 5 miles per day and the OAP next door only walks to the shop and back, do I get charged a higher level of Pavement Usage? What happens if you are assigned a social worker, do you receive a retrospective charge? Your proposal appears to be a conflation of the Council Tax and Poll Tax. Link to comment Share on other sites More sharing options...
Joey Jo Jo Junior Shabadoo Posted January 22, 2016 Share Posted January 22, 2016 Having had a late 80/90s mortgage pushing at 15% im not tear stained at reading any of this. The principal was probably about £25k though. Swings and roundabouts. Link to comment Share on other sites More sharing options...
ddfg Posted January 23, 2016 Share Posted January 23, 2016 Playing devil's advocate here: If I choose to have refuse collection, I will be charged more for the same service due to household size? If I walk 5 miles per day and the OAP next door only walks to the shop and back, do I get charged a higher level of Pavement Usage? What happens if you are assigned a social worker, do you receive a retrospective charge? Your proposal appears to be a conflation of the Council Tax and Poll Tax. The pavement tax, bins etc would be covered by the initial levy, all your "extras" would them be paid for, so if you want a low bill you don't take much or if you want it all you pay for it. Link to comment Share on other sites More sharing options...
strichener Posted January 23, 2016 Share Posted January 23, 2016 The pavement tax, bins etc would be covered by the initial levy, all your "extras" would them be paid for, so if you want a low bill you don't take much or if you want it all you pay for it. Not too different from now then! Many council srrvices are already paid for on a usage basis. Link to comment Share on other sites More sharing options...
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