Crouchie's Lawyer

Yes I can read, however; I had started typing my response before you edited your original post...

Do you not have a season ticket though?!

Sorry mate, Im broke at the moment, get paid Friday so can lend you £40 next week +1 on that Calvin. Bates you just need a bit of confidence. Its all about self belief and you always seem to put yourself down which you shouldnt do. Just try it next time you're out, it will work.

Trust you to find that Robsk! :smt042 and you say I am pour homme! This extract from the description made me lol though...

Whats the situation with Pulis then? I thought he was on loan? Was he a make-weight in the Davies transfer and is infact our player? Crap investment if this is the case, I know he has been injured, but from all accounts of what I have heard, he wont walk into our team.

Hows things with teh Mrs mate?

TBF, if you are looking for good deals, Fixed rates are NOT the way forward at the moment. Everyone's needs are different. A first time buyer for example, will probably be more suited to a fixed rate, knowing what they will pay while they find their feet with household expenses etc. However, with rates as they are currently, and what economists predict will happen next year (down to 1% base rate some have said) I see no other product than a tracker product being the 'best deal' at the moment. My personal advice (I am a qualified mortgage advisor), is that if you can afford payments on a mortgage around the 5-6% mark then go for a tracker. BUT do not take out one with ANY early repayment charges (ERC's). I have just come out of a 3 year 4.89% fixed rate which served me well (being a first time buyer 3 years ago) it has worked out nicely in the sense that rates have always been above 4.89% (pretty much) since I took it out, and now they are lower than this, my rate has ended. I have taken a '0.79% tracker for life' meaning I am currently paying 3.79% and whenever base rate changes, my rate will change striaght away, regardless if the lender wishes to pass on any cuts or not as a tracker is not affected in this way. When rates bottom out at their lowest (and it is impossible to accuratley predict, but economists normally get it about right so just make sure you check economist reports every few months) this will be the ideal time to fix your mortgage as rates should be a lot lower then. At that point, fix it for as long as you care (I personally would look for a 5 year minimum) and sit back and watch as Base Rate increases while you're on your nice low fixed rate! Im not poo pooing your advice Hamster as everyones situation is different. A lot of people like the peace of mind and security a fixed rate offers, but for those who are willing to take serious advantage of the rates out there, look no further than trackers. A word of warning, lenders 'discount' rates maybe slightly more attractive at the moment than tracker rates, however, with a discount rate, this is discounted from the lenders Standard Variable Rate (SVR). The issue at the moment is that lenders are not reducing their SVR's when the BOE is reduced, so if you take a discount rate, you may not get the full (if any) reduction in the BOE fall passed onto you. A tracker is directly linked to the BOE so any reduction will affect your payments straight away. The reason why fixed rates and discounted rates are not as low at the moment is that lenders borrow from each other using a rate called LIBOR (London Inter-Bank Offered Rate). This rate remains stubbornly high at the moment, reflecting the lack of confidence banks have in lending to each other (as they are worried about where the bank they lend their money to will in turn lend it on). This means when BOE reduce their rates, they make a further loss on variable rates. For example... Barclays borrow £100k for Joe Bloggs' Mortgage from HSBC at 5% LIBOR. If they charge 5.25% to the client in the form of a 'Tracker + 2.25%' they are making a profit of .25% on this mortgage. If BOE reduces by 1% down to 2%, the rate the client is paying is only 4.25%. If LIBOR only reduces by 0.5% to 4.5% Barclays are paying 4.50% for the £100k, while only receiving 4.25% so making a 0.25% loss. If this was a discounted rate, lenders do not have to drop their SVR which the mortgage is discounted from, for instance Barclays borrow £100k for Joe Bloggs' Mortgage from HSBC at 5% LIBOR. If they charge 5.25% to the client in the form of a 'SVR - 0.75%' (assuming their SVR is 6%) they are making a profit of 0.25% again like the example above. If BOE then reduces by 1%, the lender is not oblidged to pass this onto the customer. So they are not making a loss, what they are likely to do, is only pass on the saving in the reduction of LIBOR. If LIBOR reduces by 0.50%, then they are now making a 0.75% profit on the mortgage, so they may pass on this saving to the client to maintain their 0.25% profit, however, passing on the full 1% reduction would see them making a bigger loss which is why banks are not doing it. Im sorry about the length of this post, however, hope it helps a few people in making a decision. Before I worked in mortgages, I knew how daunting they were and if it helps a few people out then great. If you have any questions or wanna run anything by me, feel free to drop me a PM.

Still no Ho? Uh-oh! Things that are more expensive than Pompey FC... Asda 'Shades' toilet roll, 2 pack £1.06 Ecover Liquid toilet cleaner 750ml £1.10 Silver Spoon Caster Sugar 1 kilo £1.22 Bottle of Coca-Cola Share size 1.25L £1.17 :smt042

Ill find you, where ever you run, where ever you hide!!! :badgrin: Im.so.bored.already.

Just those will be fine, the rest are actually quite entertaining

So just one person giggling then? Yup, unbelievable how dumb some people are, this thread has made me realise how people on the main bored, dont get TMS. What? That Atticus, Tiggs and Wiltshire all posted on the same thread after each other?! :shock: So thats a gigantic whoosh for you then. Jawillwill was joking in his post which you have commented on above. Of course he knows what Whoosh is! :roll: Big :smt042 for this thread though, even if SFC **** didnt get that people were playing along to it!

no one cares springs to mind. I know they are funny and all, but when it clearly says in the rules that multiple personalities/log-ons are not permitted, why is it ignored? I mean, next year for example, if someone chose to not renew their membership, surely they could open up 3 or 4 new accounts and make do with registered user posts??? 3 per account?!

I lol'd. Still, if this happened this year, I doubt it would be too much of a problem, the elves wont need to work at 100% with the credit crunch as there isnt going to be as many presents sold this year!

Surely he could have posted the pictures himself before hand, not realising how far it would have gone. Then when he realised it was going to get out of hand, planted his phone in a Maccy D's on purpose so he could use this story and make a bit of money at the same time as eliminating himself from blame (if his wife wasnt in on it)

He once knocked on my door preaching Jehovah. FACT This may or may not be a fact. I like Christmas and my birthday celebrations too much to become a Jehovah

I prefer hangers

Fri: Mate came over, watched Death Race, t'was pretty good Sat: Tidying during day, Chinese Buffet with teh Mrs and a mate and his teh Mrs in evening. Sun: Tidying during day, over parents in evening for a roast. Back to ours to whack some shizzle on ebay. Have already sold a tenners worth, go me. 6/10 (It's back up to 6 Scu, for a number of reasons, 1) went to chinese sat night which was not planned. 2) Saints won and 3) I made some money - hope that is ok, feel free to suggest other possible ratings as you see fit.) Much love

As the title says really, of the players we have on loan at the moment, which one would you keep and why? Mods: could we have a poll please? Pearce Robertson Smith Cork Pulis Pekhart FWIW, I would be torn between Jack Cork and Alex Pearce. I think Pearce has done well and he is a presence in defence which we have been missing, however, Cork is class and can knock the ball about a lot. I think I would have to say..... Pearce

I used to play footy with a Lee Molyneux, for Ranvilles Rangers. Was a very good player and ended up playing for the Skates Youth team, however, he would be 24/25 rather than 19 so I dont think its him. What I am struggling a little with, is the amount of loan players we have... Pearce Robertson Smith Cork Pulis Pekhart Thats 6 already of which all (except maybe Pulis) are regular in the first team. What happens next season when they are no longer here? Presuming they wont sign on permenantly.

Hmmm, it is a company, but I believe here lies the main problem. Get rid of PLC status and we wont have to sell youngsters to line the pockets of the shareholders! Selling youngsters should only happen if we a) need the money b) dont think they player will be of any use in the future or c) the offer is too good to turn down. At no point should we be selling our up and coming youth players to appease the shareholders pockets. I can understand us selling at the moment to stave off administration and appease the bank, but in the future, when (hopefully) things are better and we are not in financial mire, I do not want to see us sell our best to make Lowe et al richer!

Controversial

Did she ask what deserts were on offer? And how much the 'chocolate sponge cake' costs?

What tattoo did you get? I heart god?

Average night in Hedge End?

Oranage Bacardi Breezers seem to do that