there’s a difference between someone having a mortgage in principle and having a load of mortgage money in their (solicitor’s) bank account

Yeah but what would you rather have? A buyer with nothing to sell or a buyer with a chain but no need for a mortgage? Once buyer, who comes across well, who has nothing to sell has invested in a survey they’re a good bet IMO and better than one with a chain.

Just open a SIPP and get them to do the work to put your pensions into one place

http://www.moneyobserver.com/our-analysis/cheapest-brokers-isa-and-sipp-accounts

Surely a cash buyer is only a cash buyer if has nothing to sell? Mortgage aspect is less important – as long as they can prove then can get one in principle.

Annoyingly I know I’d just waste it – unit trusts.

Leonard, Hagler, Hearns, Duran

I live in China.
My MIL has lived with us for 6 years.

Eek! So what’s the FIL up to?

Mine live in China, because they are Chinese, and don’t come over here. They also speak no English; this relationship works rather well.

Dave Gorman is my favourite – mostly on Dave which seems a shame.

surely it’s obvious why us ladies like a good dancer. S’all about the rhythm y’know…

Maybe he shags to a different tune…?!

Depends what you do and who you are and how much money you need/want. I wouldn’t do a job I hated – well I’d do it until I found another one. Current job doesn’t really tax me but it pays me as much as anything would and people are nice so I stick with it for the time being plus it’s fine for my CV. I’ll review the situation later in the year though I do listen to agents when they call.

Let’s just say she was into a far more violent form of how’s your father, and I wasn’t willing to…

Did she want you to be the woman?

The fantastic removable seats was a big part of me going for a Roomster and why I think it likely my next car will be a Yeti.

Working from home for 3 days, annoyingly my manager contacted me earlier but all quiet now.

Easy with the seats out. In my Roomster I take out 2 seats, leaving one for my son, and put in bike in bike bag upright and then get loads of luggage too.

With all seats out I can get a bike in with front wheel off.

We’ve always spread them throughout the day, got to be the best way to keep the whole day fun.

I was told 2 years ago just before Christmas – they must love the potential pain! Worked out fine for me though.

Mole Valley at Number 7, best bit closish to London which is best for me, would prefer somewhere in the Cotswolds though.

We had a dinner with Black Stig speaking, wanted the 1st white one but he was OK really.

A weakness for Fish Food here.

Phish?! Named after the band you see….

You would be relying on the property growth alone.

Just buy a bigger/nicer house to live in; nice way to enjoy your money and benefit from house price rises – as obviously they’re going to carry on going up and up….

Offer her £899 – that’s what they’d do on The Apprentice.

I eat 6, one in the bowel at a time so as not to go soggy and flip them over to get even saturation.

I also eat the mini ones but not sure on numbers and don’t eat them one at a time.

Looks like only just started, I need it on Virgin

http://www.skymedia.co.uk/news/bike-channel-to-launch.aspx

What’s wrong with 3?

Let them believe for as long as you can keep up the game, it’s all part of the fun. Having said that my son’s currently designing a ‘booby trap’ for when he comes next.

Claiming to be middle class is working class denial and a salary is a simple method for getting middle class people to work longer for free

Hmm well as a rough guide I’d say middle classes have careers – in the past they were the merchants and bankers….

@ mudshark – surely aspirant middle class would be a better fit?

My family were aristocracy until my Father married beneath himself…I don’t fir in anywhere 🙁

Yeah I need to be right next to the windows which are wide open, even on the coldest days, and a fan in front of me. Lucky to have a room I can keep the heating turned off in.

Technical middle class, which I didn’t like, so reviewed and now Elite – between the two I suppose.

I work in Bishop’s Cleeve nearby, I reckon I’d live around Winchcombe if I wanted to move – which I might as like it here.

Should have been 9′ by 20′, obviously!

Very Spinal Tap 🙂

study, which is about 9″ wide by around 20″ long. Odd shape!

Odd shape and a bit of a squeeze?

If you are going the offset mortgage route and you’re doing tax returns then don’t forget to declare the interest that you have had offset. One of HMRC’s favourites for querying a return.

Please clarify what you mean here – I don’t follow you at all.

What’s the right rate of tax? Blame the Governments not the companies that have to do the best for their owners (shareholders).

Trickle down effect?

My offset tracker worked well for me – Woolwich/Barclays 0.49% above BR. I did build up cash ISAs though as well but I’ve switched all these to investment ISAs so worked out nicely.

My offset mortgage spreadsheet:

https://docs.google.com/spreadsheets/d/1cLH5NU8s4ghbiB7wlc_a1obAcjXdY59TZuW5jhStqjc/edit?usp=sharing

If money purchase the answer is to move all old pensions to a SIPP. The provider will do all the moving for you.

For final salary best to leave as is I’m sure.

Check this out for costs – I’m with Interactive Investor, SIPP too.

http://www.telegraph.co.uk/finance/personalfinance/investing/isas/10611058/Tables-cheapest-fund-supermarkets-for-Isa-investing.html

I planned to buy a C-Max but tried a Roomster and liked it so much I bought that – very happy with it and frugal (for a petrol). I hear the C-Max isn’t as good on fuel as official figures suggest.

It’s a first world problem taken to an extreme – how can I keep my BTL and privately educate the kids?

I’m wealthier than them with a lot lower income – I’m a bit older I suppose.