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Cycling through the French countryside en route to Paris a couple of weeks back was a real eye opener. Aside from an almost complete lack of traffic, what there was with barely an exception was so generous in their patience and then care when overtaking that it has to be seen to be believed. Add to that the smiles, waves and cheers from so many cars and pedestrians alike it was a joy to behold.

Ha, cracked the clue. Nice one! Someone else can go and get it though. I've already been banned from white van tagging and even if I wasn't I wouldn't pay a tenner for the privilage of blagging it.

Help me spend some money!

I have £6k to spend and it needs enough boot space for some luggage or a couple of bikes. It could also do with being fun to drive and reliable.

One current consideration is a MK1 TT 3.2 Quattro and another is perhaps an A4 convertible of similar vintage (I'm sure I could get a couple of bikes in the back seat area.)

What else is there out there?!

Thanks. :)

Autotrader has 151,751 cars under 6,000......

A bond reference and is that an Aston Martin in the background? Coincidence??

Wanna troll? Fill your boots!

You can also get offset mortgages that do a similar thing: take the balance of a savings account off the total owed, while leaving it in place, saving you interest payments. But I imagine the account has to be with the lender, possibly a specific product, perhaps not paying much interest... Still.

I've got an offset mortgage and it only works with current / savings accounts with the lender. As an example, if the mortgage outstanding is 100k and you have an average of 10k in the other accounts, interest is only charged on 90k in that year. Meanwhile you would continue to make payments based on the 100k figure so the overpayment would reduce the outstanding balance resulting in paying off the mortgage quicker.

They are certainly worth considering if the initial loan interest rates are sensible.

Sit-t ...... bison, city [blank] basin. Hmm still don't know where though!

Getting warm...

My first guess when I saw the picture was Paddington Basin but online photos soon quashed that idea. The clue is in the right hand and not the left which contains indigo.

If you buy a place that needs £20k worth of work that loses £20k in value, and which needs a £12k lease extension within 7 years, then you probably make all sorts of bad financial decisions and shouldn't be allowed to manage your own money.

Also, even in that example, losing £5k a year, you'd be up on me renting.

One important point in jeez's example is the purchase date of 2005 which was in the middle of theproperty boom period. 2 years later was when the nosedive started.

http://blogs.telegraph.co.uk/finance/ianmcowie/100018034/renting-costs-200000-more-than-homebuying-even-before-house-price-gains-are-banked/

I remember an arguement a few years back which stated the reverse, ie renting was financially better than buying. It took into account raising a similar sum of money as would be needed for a deposit for a purchase but investing it into shares in FTSE 100 companies.

One good reason for buying rather than renting is revealed by the number of posts elsewhere on the forum of renter / landlord problems.

"People who don't take risks don't realise they're alive".

A post basically saying 'be cautious'

He's right, you know.

Where's that from?

The book of contradictions?

I was hoping to get away without paying for a broker.

I've managed to do that in the past when there were more mortgages than borrowers. Times have changed now and it 'could' be money well spent. Worth a phone call at the very least.
I have no allegiance to the broker who I passed to you other than as a satisfied customer BTW.

Also like the look of this one-

http://www.zoopla.co.uk/for-sale/details/16752243?search_identifier=b6f0dcbb43e42841c1def32c7c8e1cf4

Very close to the city (around 5 miles)

Small world - My brother lives up the end of that road in High Green.

Sparky. Did you get my pm?

I'm fortunate in that I only get hit mildly and hardly at all the last couple of years but this year my eyes particularly have been getting itchy after riding and despite wearing glasses. Saturday was particularly bad and I think, as others have suggested, the strong winds seem to have stirred things up. Other than the eyes it's just a mild sniffle but I feel your pain guys.

Probably mentioned it before but for those that only get hit mildly look at Benadryl Plus which are 3 a day tablets. One of these a day is usually enough for me and works out much cheaper than the more powerful one a day tabs.

Well, if you say so, you are the art expert; I'm here only for the pics.

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Fucking right!

And I drive a BMW and occassionaly an Audi.

Be afraid, be very afraid....

Good work all.
The clues to my tag were Greenwich Power Station in the background and the coats of alms(sic) on the Trinity Almshouse which is found on the Thames path in Greenwich.

A view from the river here - http://www.flickr.com/photos/47071837@N02/6234497761/lightbox/

What are the chances indeed and more to the point, what are the chances of the puncture being caused by a shark attack!!??

The current tag is one of those that you either know or don't so before Will starts banging on for a clue to help things move on here's another hint:

Beneath the clock is a coat of alms, on the latest tag
Along the river you must ride to put it in the bag.

This one is worth the ride if you can figure it out as it's another of London's hidden treasures (IMO)

cough
Not a church...

The more observant of you will maybe spot the flat rear tyre in the first photo. FML

New. No that's not Battersea in the background.

Old. Bermonsdey Spa marketing suite. Jamaica Road.

They look to be different sizes. Buy the one that fits.

https://www.lfgss.com/member29.html

Repetitive posting of utter balls.

I've got a long ladder, a tank full of diesel and a pair of side cutters.

Just need an address...

http://www.lfgss.com/member29732.html

evader posting bollocks.

^ Ah you beat me to it.

Quite amusing, for an evader:

Posted once in November 2011 and then re=emerged posting BS but with a gold star by his name. This could be a first....