Local chap North Devon Ilfracombe was still roofing at aged 70 up to a few years ago. Every lunch hour he would have a snooze in the front of the van then back to work on the dot after his hour!!

Vulpine

Some who know alot about boxing are the first to get vocal, not hysterical, about boxing when brain injuries occur. That is because the risks are higher and board of controls can never rest on its safety procedures AND must strive for constant improvements.

DezB – agree. And I believe Blackwell has no amateur career and fought unlicensed bouts as a youngster!!

mooman all head hits have ability to cause brain injury, headers in football kill brain cells that can not be rebuilt, replenished. Not all boxers have brain damage but all sustain brain injuries – as I do when I keep bashing my head on the overhang of my roofrack!!!. The difference is the extent…. loss cells OR brain damage and all brain injuries inbetween.

Above is from NHS website. I am a boxing fan. My brother was an ex-pro . I agree the medical controls are better. BUT more still needs to be done.

Activities known to have a higher-than-average risk of concussion include:
rugby
football
cycling
boxing
martial arts, such as karate or judo
Most doctors would argue that the physical benefits of regularly taking part in these sports outweigh any potential risks associated with concussion.
But this is only if you (or your child) wear appropriate equipment, such as a helmet, and are supervised by a suitably trained referee, umpire or trainer with experience of diagnosing and treating concussion.
The exception to this is boxing, as most doctors – especially those who treat head injuries – have stated that the risks of serious brain injury associated with boxing are unacceptably high and the sport should be made illegal.

Er it was not my example it was yours!?!

Mooman – Accidents do happen…there is more probability of an “accident” when punching someone repeated in the head than someone walking up a kerb repeated

How conflicting this would be. Really proud for son/daughter to serve the country (same as Grandad’s did). BUT the realisation of him/her facing going to war!!!!

The North Devon Road (known locally as the North Devon link road) off the M5 is at least 20 miles before Exeter!!!!. The Devon Express Way is Exeter to Plymouth wrong coastline line to North Devon completely. Junction 27 for North Devon off the M5.

I feel his corner let him down. It was alot of one way traffic all head shots the amount of upper cuts getting through was shocking. His corner was even caught on mic stating “you like taking all these upper cuts?” He, Blackwell, is a front foot fighter and he would never stop coming forward and his corner fully knows his style and mental attitude as a fighter (never defeated never go backwards). His face / nose alone was enough to stop the fight 3 maybe 4 rounds earlier. Easy to state now as hindsight is an exact science. The amount of hits he took to the head meant is was not a fluke accident. No one can sustain that amount of powerful contact energy on the brain without issue.

http://dawescycles.com/wp-content/uploads/2015/10/3IMA-Review.jpg

Dawes 3ima on offer at present through some lbs’s. Last years model but excellent value at £2k

Jekkyl- yes if you own the property mortgage or not nearly all lenders will class as a re-mo and nearly all give free sol’s and val. Pay a broker OR just go on money supermarket!! Nearly all lenders are on there. The exclusive rates that brokers claim and high street banks claim when you go to them direct aren’t strictly true!!!

If you already own the home completely just with a private loan arrangement no lender mortgage at all then this IS classed by 99% of lenders as a capital raising re-mortgage and nearly all lenders will give free valuation and solicitors costs.

Janes Addiction

But yes the company I work for are starting to talk about repo proceedings for end of term interest only repayment

Trouble for lenders could be… when going to court to repo will courts decision just be….hang on customers paid for last 25 years….never missed a payment….no repo just let borrower continue to pay you interest only?!?!

Sorry bofe is industry term for Bank of England

Interest only is not given away – they have very stringent underwriting criteria see my post above. Lenders banks/building societies have far more / higher levels of cash reserves than previous lending problems times as per bofe fca rules. Even a grand lent on a million pound property has risk BUT the times are different and regulation is different.

Interest only mortgages are not banned!!!! For existing or new lending. Most lenders are not happy giving them to new lending but one or two do and they are from well known high street lenders

Nationwide should keep the current debt interest only and do extra on repayment – just expect questions about your current interest only

If you want interest only a re-mortgages to Santander might be only option. For them Interest only rules are 150k minimum equity, max loan to value 50%, minimum joint income 75k per annum, lending till 65 years old maximum term. Walking from Nationwide might incur penalty and you will lose the 2.0% above bank of England if you have it

Who is your lender. High Street wise only Santander from memory now only lender offering interest only BUT with big criteria demands. Approaching your current lender could open a can of worms and alot of questions about your repayment plans and not many accept downsize anymore. However they are tied to your current mortgage so in theory have to honour the current interest only debt. But if you told them you have an investment plan when you applied, endowment, equity ISA, pension and put this on your application form and now do not OR worse did not arrange a new one to repay mortgage when you said you would this could cause you future problems. Many may insist any new element of mortgage has to be repayment on extra borrowing. I am a Regional Mortgage Manager for a high street bank.

Charge and Fabric are the same people I believe. Same owners/managers running both companies.

http://singletrackworld.com/forum/topic/genesis-equilibrium-56cm-size

http://www.bikesheduk.com/dawes-3ima-titanium-2015

Your on for 210k and had an offer of 203k. It is not a bad offer and the agent is obliged to tell you of ALL offers, by post or phone. Of course they are keen as mustard for you to accept and sale…..it is how they are paid!!!

Endura thermo leg warmers and arm warmers with shorts and Gilet all through winter (including rain).

+1 showers Pass. Have the rogue hooded. Owned for 2 yrs and it is excellent.

Cockpit – to describe stem and handlebars.
Real Estate – to describe the amount of space on a handlebar

Back to the original question….. “If I had to choose a mortgage today” it would be completely different to your mortgage as my house needs, family needs, work needs and other personal circumstances will be completely different to yours. Hence a 19 year a 4 month capped rate with cash back and free mortgage survey might not suit you?!?!?!

No need anymore as pretty much all lenders offer fee free re-mortgages now including mortgage free capital raising. This was not the case 10 years ago and keeping a very small balance kept the mortgage deed open to raise funds in future with less or no mortgage set up fees (valuation solicitors etc). Plus it used to mean the deeds would be kept with lender in a vault safe usually free or again small fee. Now all deeds are an image scan at Land Registry so no hard copy needed.

Don’t even look at revert rates waste of time you will not pay that rate. You need to find a deal you like. See if that lender has a rate with a fee, slightly lower rate, or without a fee, slightly higher rate. Then based on your loan size, repayment method, term, product term. Ask them which is the most cost effective over the TERM OF THE PRODUCT. This is the advice every lender will give you when asked.

This is long… Sorry. The above is not fully correct. You need to consider the cheaper rate with fee compared to the higher rate with no fee over term of product and look at the mortgage balance left. This will allow for interest and capital payments made. Depending on the mortgage size depends on the saving made. Do not just look at monthly payment difference between the two times by the length of the deal and considering the product fee to work out the most cost effective. This is a common mistake in the industry and does not allow for the Gross profile interest calculation of the lenders mortgage.

there are many fee free tracker rate remo rates available with no ties so lump sum can be made at any time. Bank of England Governor has stated rates unlikely to rise anytime soon due to World Markets – China’s reduced growth rate as one ain indicator recently. Go far a tracker with no ties / ERC’s then IF rates increase you can review BUT unlikely to get a fixed rate under two years term with no ERC’s.

Santander 23 months 123 customers

Nick

KS 2 models – X Fusion one – Thomson one – Gravity Dropper.