cardiff for work in the day

back to your house for supper

then over to lollypops for dessert wahey lol

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Your Mbuna or your life!

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senile old git

Grandad i think you have got through the good times! like my old man got his 3 bed bungalow for 25,000 payed the higher intrest to start and then kept paying the higher when intrest repayments droped.....he payed his 15 year mortgauge off in 10 years! saving himself 5 years on the life insurance cover they insisted he took out!


I looked at this government HOMEBUY SCHEAM and from my workings out they give you 15-40%on a home on the open market and you get a mortgauge for the remainder .sounds great when they say they will only take 1.5% intrest on the amount they put in!

did a little calculator thing online and this is how it looked

house 3 bed 143,500
homebuy at 15% 21.525 ( lowest as i dont know what we could get)
our mortgauge 121,975 ( for calculations sake at 6.2%)


buy it on your own with a small deposit and its £895 a month
through the home buy program same would be £754 + £322 for the 1.5%
if my sums are right that £1,076 a month so to make it affordable i pay extra £180 durrrrr

have i missed something? it sure doesnt look like it helps people to get on the housing market......and now they want bigger deposits as well......

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robert , they are mostly all scams, and you end up paying through the nose for them (you dont get nothing for nothing in this world )as you say we went through the good times, but it did not seem like it at the timewhen I was struggling to pay my mortgage on a low income ., mortgage rates went through the roof, interest rates went up, I think nine times in one year ( may have been more ask your dad ) and like your dad, when they went back down, I kept paying the top amountas I was working regular overtime by then. The mortgage company did not like it ,and used to send me letters to reduce payments all the time as I was on an endowment mortgage , but I totally ignored them ,and at the end of term 25 years had a nice couple of grand back as well as having a couple of grand back for their bad advice about switching from a repayment mortgage to an endowment ( could not lose they told me, and at the end of the mortgage wanted to take some of my extra payments to make up thje shortfall what a bob hope they had ,and they paid up after a few letters from mestating that I would take them all the way about thier bad advise .

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senile old git

alot of these scheams backed by our government are scamms to keep figures down on other lists!
i watched a intresting program about people living in mertha tidvil ( wales) well when the coal mines shut alot were put on the in capable to work benifit and get handouts.....by the doctors signing them off sick this in reality kept the job seekers/dole numbers down....even some of the young adults went strait from school to this incapasity benafit!......WRONG ALL WRONG!

i work local with 9 other people and we asked about the new government cycle scheam set up to cut cars on the road! well we all cycle to work and thought we could buy nice new bikes as we were led to believe theres a tax offset and it would reduce the tax from our wages to part pay for the bikes ?? Our boss looked into it thinking it sounded like a great enviromental idea untill he found out that he would have to pay for the bikes and they would be company property forever....and we could buy them but it would mess their tax paperwork about so much its not worth the accountantcy fees.

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dead right robert,if you are on incapacity benefit then you are not classed as unemployed ,so the more people that were put on that, the better the unemployment figures looked ( it was all about juggling the books ) merthyr tidfil is about 10 miles from me, and I think there is about 70% unemployment, the other valley towns are bad, but not as bad as merthyr, trouble is the youngsters see their fathers and grandfathers not working and when the time comes for them to look for work most of them just sign on instead .its a never ending circle as for tax cuts did you honestly think the powers that be would give you anything( we are not immigrants ( legal or illegal we are just the british taxpayer that they have s--t on for years.

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senile old git

anyone got a figure for the cost of dying yet?

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paid £2,500 for my mothering laws funeral nearly 3 years ago ( expect its gone up abit by now)

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senile old git

Costs of funerals like everything go up, my daughters cost about £200 in 1975, me dad in 1989 about £1500, me mam in '96 about £2500. All of these funerals were dead simple, coffin, hearse following car nowt special. You can save money by taking out a funeral bond, that fixes the price at todays figure, so you aint gorra worry about saving for it later. I'm taking one out for me and the boss lady when I'm 60 at the end of the year and pay on the monthly.

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seems weird having to think about it (funeral costings), sorry for your losses Dave

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