House prices suffer biggest drop since 2009 - Nationwide -2.6%

Graham_Devon

RenovationMan wrote: »

The interest rate has no impact on the 4% because interest is separate from the actual loan (for example, the loan amount on an IO mortgage never goes up or down unless you make overpayments or MEW).

On page 1, you gave an example where the interest rate made a difference to the amount paid off in year 1.

You now state the interest rate makes no difference, when clearly it does.

homelessskilledworker

Dan: wrote: »

Maybe for the likes of you. I have had no problems.

Oh dear!!

And the nastiness begins..

You allways have to make it personal don't you Dan.
Ok, have it your way, lending is way down except for the more elite and outstanding in our society(you of course Dan).

RenovationMan

Graham_Devon wrote: »

You'd have a point.....if of course you didn't insist on ignoring the fact that we were talking about using a SAVINGS vehicle (in this case an ISA) to save for a pension, rather than opting into a pension. .

LOL, Have you even read what you've typed here? "We were talking about using ISAs to save for a pension, rather than pension".

Graham_Devon wrote: »

Even after you were told several times, even by others, you continued to insist we'd lost money that could be put into the pension scheme.

Ignorance is bliss as they say. And in this case, it was pure ignorance every time you were told we weren't discussing pension schemes, rather ISA's....so the money had to be taxed first....you still, and to this day (across another 2 threads I believe) insist I had purposely lost money. Ones before tax, ones after.

Silly boy.

Deary me. You really do enjoy your strawman arguments Graham, but your tactics won't distract me away from the main issues with that test case. You 'miscalculated' his income tax by putting him on an emergency tax code, you 'miscalculated' his disposible income by 'losing' money in the subtraction and you used an inferior retirement savings product all to show that someone can't save for retirement when he clearly could.

I told you over and over that the discussion was not about whether you could afford to pay money into savings but whether you could afford to save for retirement.

If I follow your approach of using inferior savings products to prove an argument, I could simply say that people can't get a decent return from putting money into a mattress, so they shouldn't save up at all! :rotfl:

Graham_Devon

RenovationMan wrote: »

LOL, Have you even read what you've typed here? "We were talking about using ISAs to save for a pension, rather than pension".

I have, and that's not what I typed.

Everyone can see that with their own eyes.

Silly boy.

Is your second outburst all in aid of proving you don't split hairs in arguments?

Dan:_4

homelessskilledworker wrote: »

Oh dear!!

And the nastiness begins..

You allways have to make it personal don't you Dan.
Ok, have it your way, lending is way down except for the more elite and outstanding in our society(you of course Dan).

Im sorry. I just enjoy winding you up, thats all. I will try and behave as I actually quite enjoy reading your posts and agree with most of what you bang on about.

Credit ratings are the most important, precious things these days. One missed payment and your screwed. The flip side is having no histroy - like poor brit1234 - these guys are also screwed if they want credit.

Keep on top of your credit reports - it is key if you plan on borrowing funds - I personally check mine on a monthly basis. If you can maintain credit and keep a perfect credit report then you will not be refused credit. It's simple really.

joe_blotts

RenovationMan

Graham_Devon wrote: »

I have, and that's not what I typed.

Everyone can see that with their own eyes.

Silly boy.

Is your second outburst all in aid of proving you don't split hairs in arguments?

LOL! Onl Graham Devon can moan about someone 'splitting hairs' in arguments by then 'splitting hairs' in an argument" :rotfl::rotfl:

OK, You said:

Graham_Devon wrote: »

You'd have a point.....if of course you didn't insist on ignoring the fact that we were talking about using a SAVINGS vehicle (in this case an ISA) to save for a pension, rather than opting into a pension.

LOL, Have you even read what you've typed here? "We were talking about using a SAVINGS vehicle (in this case an ISA) to save for a pension, rather than pension".

Is that better or will you try and distract the discussion by splitting hairs?

chucknorris

Graham_Devon wrote: »

I did that earlier today. And last night. And mid morning.

I have been reminded about 63 times that Michael Phelps won some swimming and is now the greatest Olympian.

I'm now being reminded every 10 minutes on the radio.

You'll probably be reminded even more times about the first GB gold that we have just won in the womens rowing pairs

RenovationMan

Graham_Devon wrote: »

On page 1, you gave an example where the interest rate made a difference to the amount paid off in year 1.

You now state the interest rate makes no difference, when clearly it does.

No it doesn't and no I didn't. Your trolling is pathetic today Graham! :rotfl::rotfl:

homelessskilledworker

Dan: wrote: »

Im sorry. I just enjoy winding you up, thats all. I will try and behave as I actually quite enjoy reading your posts and agree with most of what you bang on about.

Credit ratings are the most important, precious things these days. One missed payment and your screwed. The flip side is having no histroy - like poor brit1234 - these guys are also screwed if they want credit.

Keep on top of your credit reports - it is key if you plan on borrowing funds - I personally check mine on a monthly basis. If you can maintain credit and keep a perfect credit report then you will not be refused credit. It's simple really.

But you don't wind me up Dan

And I would have no problem borrowing what I need either, but I just did not feel that insecure that I found a need to tell you.
We are talking about the UK as a whole, not you and me, and lending in the UK as a WHOLE is dire right now.

But if you find a need to come here just to wind people up as you put it(it's called trolling) then good luck to you.