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#1 bendy

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Posted 01 April 2012 - 06:43 PM

+1% if jimmy mcilroy wins a major this year :blink:

this is how low it's got.

if you have 'money', get it into something (anything) else.

#2 Bruce Banner

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Posted 01 April 2012 - 06:47 PM

+1% if jimmy mcilroy wins a major this year :blink:

this is how low it's got.

if you have 'money', get it into something (anything) else.


I thought it was +0.1%. The 4% for two years is good enough to get our 10K next week though.
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Lest there be any doubt.

No I believe prices will fall and am astounded that a so called Conservative led government could act in such a stupid way. As you can see from today, there are 2,000 HtB applicants and it has been on MSM none stop all day and they make up about 3.5% of a typical months mortgages.

BTL is a good potential way to bankruptcy and yes sometimes I make points to hopefully make people think.


#3 Little Professor

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Posted 01 April 2012 - 07:12 PM

Yep, 0.1% bonus if Rory McIlroy wins a major. Pretty pointless gimmick

http://www.telegraph...r-cash-Isa.html

#4 Game_Over

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Posted 01 April 2012 - 07:31 PM

Yes, but you get a rate of 4%

that's double the BOE's inflation target

So much for ZIRP and NIRP

:blink:

#5 Pent Up

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Posted 01 April 2012 - 07:34 PM

It's a gimmick. 0.1% is f all. The rate is still very good though and beats the shit out of the other 2 year fixes. Although beware you can only find it between the 6th and 14th of April.

Same for the instant access. 3.3% worth the risk of the shit customer service and I've had worse from Halifax anyway.
Remember that buying a house is a highly leveraged investment and can result in losses that exceed your initial deposit. Buying a house may not be suitable for everyone, so please ensure that you fully understand the risks involved.


"The time to buy is when blood is running in the streets" Baron Nathan Rothschild

#6 long time lurking

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Posted 01 April 2012 - 07:46 PM

+1% if jimmy mcilroy wins a major this year :blink:

this is how low it's got.

if you have 'money', get it into something (anything) else.


And I will raise you a http://www.halifax.c...ers-prize-draw/ :P

#7 bmf

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Posted 01 April 2012 - 07:54 PM

That's nothing. I heard the Spanish government will honour all foreign debts if Seve Ballesteros wins.

#8 RufflesTheGuineaPig

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Posted 01 April 2012 - 08:03 PM

I thought it was +0.1%. The 4% for two years is good enough to get our 10K next week though.


It's IceSave all over again.

You're all idiots.
It's time to pay the piper. There is no magician who will magic away the debt. Someone is going to have to pay it. Bend over and prepare to make payment.

In this glorious nation of ours, if you work hard and keep your head down for 25 years then you too can aspire to own one-eighth of a one bedroom flat in Manchester.


My mum and day always tell me how important it is to save to buy a house. They should know, it took them nearly 6 months to save for theirs. As teenagers, they bought a 3 bed semi.

#9 Bruce Banner

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Posted 01 April 2012 - 08:22 PM

It's IceSave all over again.

You're all idiots.


It's covered by the FSA thingy, making it as safe as any other bank operating in UK.

Icesave's savers unlimited bailout by Brown was a disgrace and I like to think this government wouldn't do that, but small amounts (under 85K) are a different matter.
.



----------------------------------------------------------------------------------------------------------
Lest there be any doubt.

No I believe prices will fall and am astounded that a so called Conservative led government could act in such a stupid way. As you can see from today, there are 2,000 HtB applicants and it has been on MSM none stop all day and they make up about 3.5% of a typical months mortgages.

BTL is a good potential way to bankruptcy and yes sometimes I make points to hopefully make people think.


#10 man o' the year

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Posted 01 April 2012 - 08:23 PM

Having spent 2 hours trying to access my accounts anything Sanatnader related is wearing pretty thin.
We went from its google chromes fault to cannot accept pass words with any two digits being in a sequence to have you enabled cookies to finally admitting that the computer has wiped your registration and we will mail new logon details out to you.
My new (next month) ISA will NOT be with Santander.
Closer than you think!

This species has amused itself to debt.

#11 Game_Over

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Posted 01 April 2012 - 08:23 PM

It's IceSave all over again.

You're all idiots.


Covered by the same UK government guarantee as all other banks

:blink:

#12 Pent Up

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Posted 01 April 2012 - 08:28 PM

It's IceSave all over again.

You're all idiots.


Blame the BOE ZIRP causes a flight to higher yielding, higher risk assets. I also have 50k in 8x leveraged crude ETFs*






*not really...


...It's only 45k
Remember that buying a house is a highly leveraged investment and can result in losses that exceed your initial deposit. Buying a house may not be suitable for everyone, so please ensure that you fully understand the risks involved.


"The time to buy is when blood is running in the streets" Baron Nathan Rothschild

#13 Bruce Banner

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Posted 01 April 2012 - 08:30 PM

Having spent 2 hours trying to access my accounts anything Sanatnader related is wearing pretty thin.
We went from its google chromes fault to cannot accept pass words with any two digits being in a sequence to have you enabled cookies to finally admitting that the computer has wiped your registration and we will mail new logon details out to you.
My new (next month) ISA will NOT be with Santander.


Not too much of a problem on an account that you don't intend to touch for a couple of years though.
.



----------------------------------------------------------------------------------------------------------
Lest there be any doubt.

No I believe prices will fall and am astounded that a so called Conservative led government could act in such a stupid way. As you can see from today, there are 2,000 HtB applicants and it has been on MSM none stop all day and they make up about 3.5% of a typical months mortgages.

BTL is a good potential way to bankruptcy and yes sometimes I make points to hopefully make people think.


#14 zebbedee

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Posted 01 April 2012 - 09:55 PM

Not too much of a problem on an account that you don't intend to touch for a couple of years though.

And in a couple of years when they tell you they have no record of you :lol: :lol: :lol:

Edited by zebbedee, 01 April 2012 - 09:55 PM.

As I wandered in the darkness a voice came unto me, it said "smile, be happy, things could get worse". So I smiled and was happy and behold, things did get worse.

"Credit is indeed vital to an economy, but it does not constitute an economy within itself. ... When businesses borrow to fund capital investments, the extra cash flows that result are used to repay the loans. When individuals borrow to spend, loans can only be repaid out of reduced future consumption."-Peter Schiff, Jan 19 2009; <a href="http://www.321gold.c...iff011909.html" My link

"The bold effort the present bank had made to control the government... are but premonitions of the fate that await the American people should they be deluded into a perpetuation of this institution or the establishment of another like it."-Andrew Jackson on the Second Bank of the United States

"The problem with socialism is that eventually you run out of other people's money."-Margaret Thatcher

"If tyranny and oppression come to this land, it will be in the guise of fighting a foreign enemy. Of all the enemies to public liberty, war is perhaps the most to be dreaded because it comprises and develops the germ of every other. War is the parent of armies; from these proceed debts and taxes; and armies, and debts, and taxes are the known instruments for bringing the many under the domination of the few. The loss of liberty at home is to be charged to the provisions against danger, real or imagined, from abroad." - James Madison

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#15 RufflesTheGuineaPig

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Posted 01 April 2012 - 10:46 PM

Interest reflects risk.

I wouldn't bet your money on the government bailing you out.

Unless you donate large amounts to the conservative party.
It's time to pay the piper. There is no magician who will magic away the debt. Someone is going to have to pay it. Bend over and prepare to make payment.

In this glorious nation of ours, if you work hard and keep your head down for 25 years then you too can aspire to own one-eighth of a one bedroom flat in Manchester.


My mum and day always tell me how important it is to save to buy a house. They should know, it took them nearly 6 months to save for theirs. As teenagers, they bought a 3 bed semi.




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