Login    Register

M5 spanks RS4

Discuss other makes of cars here

Moderators: WR 1mposter, The Swede, Megaman, danr55, WR1 Bro, Moderators

  • Author
    Message

Postby danr55 » Wed Jun 17, 2009 7:31 am

John Mc Tiddler (Dogging Expert) wrote:
WR 1mpostor (aka number 1 moderator) wrote:
As it stands I pay £66 per month ! What do you think my reply was.........
below


The banks are trying to get more revenue in from Mortgages especially the larger banks by saying that interest rates are going to rise sharply soon.

There are 2 reasons why they won't:

a) All the inflation indicators are below where they want to be by a long way
b) We are still in recession and people are losing jobs and houses being reposessed at a faster rate than the 90's recession!!

Banks are praying on people who want to protect against a sharp rate rise by saying they will "rate match" etc but when you read the small print, this is only where you have 25% equity in the property... when they value your home, they already knock 20% off since last year alone and then you have to have a further 25% on top of this.... basically, you'd have to have a 50% mortgage to stand any chance of getting the BEST rates... but as you said, they still charge you a "booking fee" which, when you work it out... equates to a higher rate anyway...

They are cunning b*stards and you should be really careful.... they have closed all good tracker deals now (I got base rate +0.25%) and are tempting you into good fixed rates to boost their revenues... I can't see interest rates going back to 6% for a few years... there will be a recovery but I think it will be short and there will be another dip a year later... just when the Olympics has passed and we are saddled with the debt of that!!

If you have a good deal at the moment, stick with it!! It'll be a while before it comes around again!!


Just after I read all of this serious stuff which seemed to make sense, I noticed your footer saying dogging is great.

Now, should I believe what you write?!
Image
User avatar
danr55
Site Owner
 
Posts: 12444
Joined: Mon Mar 21, 2005 12:07 pm

Postby John Mc » Wed Jun 17, 2009 10:45 am

WR1 Bro wrote:You sound like JP.


The difference is that I don't pretend to be a financial expert "in the know" and then go for interviews at financial institutions which are already bankrupt!! :lol:
[Just incase this gets lost in translation, I am not slandering you, I know people can be sensitive to these harsh words.]
John Mc
 
Posts: 3528
Joined: Thu May 22, 2008 3:15 pm
Location: Harrogate, N.Yorks

Postby WR1 Bro » Wed Jun 17, 2009 10:46 am

John Mc Tiddler (Dogging Expert) wrote:
WR1 Bro wrote:You sound like JP.


The difference is that I don't pretend to be a financial expert "in the know" and then go for interviews at financial institutions which are already bankrupt!! :lol:


Now you are sounding "bitter"... also like JP.

Are you really who you say you are?
User avatar
WR1 Bro
Site Admin
 
Posts: 20279
Joined: Thu Aug 19, 2004 8:54 am
Location: If skinny, ugly and Scouse was best, then JohnMc would be a porn star legend.

Postby John Mc » Wed Jun 17, 2009 10:55 am

danr55 wrote:Just after I read all of this serious stuff which seemed to make sense, I noticed your footer saying dogging is great.

Now, should I believe what you write?!


Dan, these are my own personal thoughts from the indicators I follow, I listen to others but always do what I feel is right.

I used to run a share club (with 20 members) when I worked in London for 12 years and we had lots of "expert" advice on buying/selling and indicators.... a lot of which I could have got by reading tea leaves... these experts are nothing more than gamblers... and they gamble with your money because they know that the worst that can happen is they get moved into a different group if they fk up...

The only way you can control anything is to be personally responsible for your own investments.... you wouldn't gamble your own money, so why let some spiv gamble it away because that's all they are doing and they'll want loads of commission for doing it.

They have mathematical models developed by Cambridge PhD students... which none of the likes of JP et al have the first clue how they work but they "hide" behind them and because the general public have got less of a clue about them.

They can bull5hit till the cows come home... you think your money is safe... SOME of it is but if you do a bit of research yourself and understand markets and currencies... it is surprising how much you can learn in a short period of time and the influences on prices such as commodities and stocks.

You don't need to be Warren Buffet to be successful, you can start off small, make your mistakes and learn from them. I'm not an expert and I wouldn't advise anyone on particular stocks but I do control my own investments because I am ultimately responsible for them and I only have myself to blame if I mess up.
[Just incase this gets lost in translation, I am not slandering you, I know people can be sensitive to these harsh words.]
John Mc
 
Posts: 3528
Joined: Thu May 22, 2008 3:15 pm
Location: Harrogate, N.Yorks

Postby John Mc » Wed Jun 17, 2009 10:58 am

WR1 Bro wrote:
John Mc Tiddler (Dogging Expert) wrote:
WR1 Bro wrote:You sound like JP.


The difference is that I don't pretend to be a financial expert "in the know" and then go for interviews at financial institutions which are already bankrupt!! :lol:


Now you are sounding "bitter"... also like JP.

Are you really who you say you are?


FPMSL - I am JP :twisted:
[Just incase this gets lost in translation, I am not slandering you, I know people can be sensitive to these harsh words.]
John Mc
 
Posts: 3528
Joined: Thu May 22, 2008 3:15 pm
Location: Harrogate, N.Yorks

Postby WR1 Bro » Wed Jun 17, 2009 11:00 am

Was the move from a series of expensive BMWs to a lowly Scooby an "indicator" that you "fooked up" along the way?
User avatar
WR1 Bro
Site Admin
 
Posts: 20279
Joined: Thu Aug 19, 2004 8:54 am
Location: If skinny, ugly and Scouse was best, then JohnMc would be a porn star legend.

Postby John Mc » Wed Jun 17, 2009 11:04 am

WR1 Bro wrote:Was the move from a series of expensive BMWs to a lowly Scooby an "indicator" that you "fooked up" along the way?


No. I wanted something "different"... I'd had 3 BMW's in a short space of time going from economy to performance and each time the drive was rear wheel. Never tried 4wd before with that much power, had a go in the scooby and never looked back!!

My wife prefers the BM's, she hates the scooby and won't get in it (unless we go dogging) :lol: she's always taking the pi55 at every opportunity and she's told all her mates I'm a chav.... but I don't really care, if I want peace and quiet I just go and polish the gear knob in the WR1.. I know she won't bother me in there!! :lol:
[Just incase this gets lost in translation, I am not slandering you, I know people can be sensitive to these harsh words.]
John Mc
 
Posts: 3528
Joined: Thu May 22, 2008 3:15 pm
Location: Harrogate, N.Yorks

Postby WR1 Bro » Wed Jun 17, 2009 11:29 am

John Mc Tiddler (Dogging Expert) wrote:
WR1 Bro wrote:Was the move from a series of expensive BMWs to a lowly Scooby an "indicator" that you "fooked up" along the way?


No. I wanted something "different"... I'd had 3 BMW's in a short space of time going from economy to performance and each time the drive was rear wheel. Never tried 4wd before with that much power, had a go in the scooby and never looked back!!

My wife prefers the BM's, she hates the scooby and won't get in it (unless we go dogging) :lol: she's always taking the pi55 at every opportunity and she's told all her mates I'm a chav.... but I don't really care, if I want peace and quiet I just go and polish the gear knob in the WR1.. I know she won't bother me in there!! :lol:



Not only are you a chav and a disappointment to your wife... you also have some annoying WR1oc friends that spoil her TV time...

BEEP BEEP Mrs McNab
User avatar
WR1 Bro
Site Admin
 
Posts: 20279
Joined: Thu Aug 19, 2004 8:54 am
Location: If skinny, ugly and Scouse was best, then JohnMc would be a porn star legend.

Postby John Mc » Wed Jun 17, 2009 11:39 am

WR1 Bro wrote:Not only are you a chav and a disappointment to your wife... you also have some annoying WR1oc friends that spoil her TV time...

BEEP BEEP Mrs McNab


Beep fcuking Beep... I actually found that funny last night. Needless to say the wife didn't but I don't care! :lol: :lol:
[Just incase this gets lost in translation, I am not slandering you, I know people can be sensitive to these harsh words.]
John Mc
 
Posts: 3528
Joined: Thu May 22, 2008 3:15 pm
Location: Harrogate, N.Yorks

Previous

Return to Other Marques

Who is online

Users browsing this forum: No registered users and 16 guests

cron