Nice People Thread Number 10 -the official residence of Nice People

lemonjelly

tomterm8 wrote: »

So... it's a nice day weather-wise today so I'm digging over the vegetable patch ( which is the size of an allotment, really) using the grafters spade I borrowed from my dad, and I look over at the grass and I realize it is dry-ish.

First time in three months.

I get the lawnmower out, do around 2/3 of an acre... then the thing dies on me.

Saved by the lawnmower:D

Now I've come in, and I ache...

Is it worth me planting stuff? I do love my toms, but I'm not putting up the greenhouse - no point.

Should I start some off indoors, on the windowsill, given I'll be moving in 8 weeks or so?

lemonjelly

vivatifosi wrote: »

If it makes you feel better jelly, because you are such an adept saver, your mortgage requirement a year down the line (once things have panned out) will still be less than mine was when I bought this house, even though a) the market wasn't as good then and b) I had all of the equity brought with me from homeowning for 19 years.

It is a great place to be and I'm really pleased for you.

Whilst I know that, it didn't stop me taking a massive intake of breath when I saw the repayment levels.

Is this a good deal (my maths suggests it is, especially given I want to overpay big over the next 12-18 months)?
15 year mortgage. No tie in. No overpayments penalties at all. 2.1%?

tomterm8

lemonjelly wrote: »

Is it worth me planting stuff? I do love my toms, but I'm not putting up the greenhouse - no point.

Should I start some off indoors, on the windowsill, given I'll be moving in 8 weeks or so?

Dig over a little patch. Then put your hand to the soil. If it is unpleasant to the touch, claggy, wet, cold etc it is too early to sow or plant outdoors.

Unless, of course, you cover the soil over and use cloches... which is possible right now where I am, but we have had some recent frosts so I am holding off. I don't find I gain anything by sowing too early... rather wait a month. I have other gardener friends who are sowing now... it depends

You could start of indoors, depending where you are... personally, if I was moving in 8 weeks I'd not bother and would instead buy plug plants from the garden center.

It often doesn't work out much cheaper to sow them yourself anyway....

michaels

lemonjelly wrote: »

Whilst I know that, it didn't stop me taking a massive intake of breath when I saw the repayment levels.

Is this a good deal (my maths suggests it is, especially given I want to overpay big over the next 12-18 months)?
15 year mortgage. No tie in. No overpayments penalties at all. 2.1%?

Sounds excellent - is the 2.1% fixed / base plus 1.6% tracker for the 15 years? Are there any arrangement fees / free valuation and legals?

Edit - I was about to say get planting but then I remebered what hassle moving is and how long it takes to get organised afterwards and decided I agreed with TomTerm, wait till you are moved and ready then buy plants at a suitable stage for the season...

lostinrates

Lj,

Is there a bed or somewhere weed free you can make a bed at the other place later in the season?

I think it will make you feel at home to have some produce at home. I'd go with easy things. E.g. I'd give brassicas that need netting a miss, but maybe get just a few toms?

Otoh, just this year it might be worth cheating and buying things started for you. It will remind you how much more variety there is by seed.

silvercar

lemonjelly wrote: »

Whilst I know that, it didn't stop me taking a massive intake of breath when I saw the repayment levels.

Is this a good deal (my maths suggests it is, especially given I want to overpay big over the next 12-18 months)?
15 year mortgage. No tie in. No overpayments penalties at all. 2.1%?

My only reservation would be that 15 years on a repayment mortgage makes the repayments seem high. On a 25 year term with the flexibility to overpay you are covering yourself if you hit a sticky patch.

We took a sharp intake when we moved, even on interest only the amount looked scary.

That deal looks amazing. A bit of history:

When we bought in 1986 interest rates were striding up and our mortgage rate reached 13% at one point. To cover against a repeat, when we moved in 1993 we took a 7 year fix at 8.65%, we thought that was reasonable for the security it gave (had we found MSE we would have bought out of that). When we moved this time they offered us 4.99% fixed for 2 years, that we took again as a reasonable deal that gave some security. In the small print, that we never really looked at, it said the 2 year fix was follwowed by a life time tracker at BoE base + 0.75%, so now we are at a low od 1.25% and have been for a few years.

Nikkster

lemonjelly wrote: »

Is this a good deal ?
15 year 2.1%?

Yes!!
Compare it to 30 years (not if I can help it, mind) at 3.39% for the next 5 years, potentially 3.99 after that (SVR so prob not by the time I get there...).

As silvercar says, and esp considering your ability to seriously overpay in the very near future, I'd definitely be looking to increase the term to get the monthly commitment down. You're not going to experience anything like the full term.

GDB2222

CKhalvashi wrote: »

My sister has her eye on one that's £295 at the moment for her husband (he's Armenian), although so far he's refused to let her buy it.

If anyone wants to know what it is, PM me, as she uses the forum and wouldn't be happy with me blurting it out.

CK

DVLA will sell me the faintly racist AB02GDB for £250, but if I want the friendlier AL02GDB that's £500. What should I do?

GDB2222

LydiaJ wrote: »

It was said very tongue in cheek Lydia:)

I know. I almost put something like [/failure to appreciate tongue in cheek comment]. But it's a sore point with me. I've seen it too many times (both ways round) in cases where it wasn't funny that I've lost my capacity to joke about it. I am not trying to imply that either bugslet's relationship or viva's is anything other than delightfully mutual.[/QUOTE]


I cannot speak about other people's marriages, but in our marriage we tend to be "right" about different things. On practical things, DW generally defers to me. That is probably sensible. I have a degree in physics, and she has a degree in speech science. Which one of us are you going to trust to extend the ring main? When it comes to understanding people, however, I generally defer to her.

neverdespairgirl

LydiaJ wrote: »

I am a woman but I have no desire to be always right in a relationship. Having spent a lot of effort recovering from the effect of living for 14 years with a man who was always right, I wouldn't want to inflict that on anybody. I don't think a man should be able to read my mind, either. I seem to be weird.

I don't always think I'm right, either, although I do tease Isaac by saying "Mummy's always right". He got his own back by saying to my Mama that she must be double right, being a Mummy's Mummy, and I should do everything she said (-:

Expecting other people to read your mind, and even worse, being annoyed if they don't, is extremely irritating. If you don't tell people that X is important to you and Y is semi-important and Z couldn't matter less, how will they know?