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Dylan

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Posts posted by Dylan

  1. I've never understood the thinking behind certified copies of documents. Unless it's clear who has signed and there is a risk they may get struck off their professional register then I don't see how the copies are any more trustworthy. Most of the time you just get a scrawled statement at the bottom that could be from anyone.

  2. Most calling plans (even the cheapest ones) give you a new phone every 12 months or so meaning there's no reason not to get a new phone on a regular basis, even if you don't really need one.

    The phone isn't free!! When your contract is up for renewal tell them you don't want a new phone and your line rental will go down by about £20/month at least.

  3. Last night I compared the price of a barrel of oil in sterling vs the price of a litre of petrol over the last year. I was surprised to see that, relatively, petrol is at its cheapest for the last 12 months, at 1/59 the price of a barrel. The peak was 1/36, with the average 1/43. If those multiples were applied today then petrol would be £1.98/litre using the peak, or £1.62/litre using the average.

  4. I am surprised noone has picked up on the following.

    1 - its this year only call it a bribe if you wish.

    2 - the people who were worse affected by the loss of the 10p tax band (under 20k a year) are still losers as they lost more than £120 a year.

    3 - the people who gained from the tax changes 22% to 20% gained again with this bribe so I fail to see how this is satisfying the lower earners.

    4 - 2 billion of the 2.7 billion went on middle income earners who did not need compensating.

    Labour has shifted its favouritism and detaching itself from its core voters, its now focusing on middle income earners.

    Yes, they seem to have got away with this. The people who lost out when the 10p tax band was doubled are, at best, back to where they started; basic rate taxpayers get an extra £120 to help pay for increases in fuel and food.

  5. Slightly off-topic, but can anyone think of a job other than wedding photographer where you are paid to do the job, i.e. turn up and take pictures for £ks, and also retain copyright (and hence complete control) of the results of that work? It's usually one or the other - you either get paid to do the work and copyright is assigned to the customer, or you do the work with the plan to earn money on the outcome.

  6. Last April there were 2,990 buy-to-let mortgage products available, with an average rate of 5.23 per cent. Today there are 597 products, with an average rate of 6.75 per cent. Some specialist lenders, including Mortgage Trust and Paragon, have stopped offering buy-to-let deals altogether.

    On a £150k interest-only mortgage, that's an extra £190/month. Good luck raising rents by that much on a £150k property :lol:

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