Date:8 August 2008 I Comments: 2 I Views:33,223

There are numerous places on the internet where historical Base Rate information can be found but I recently discovered a page on a site that shows the Bank of England base rate trends since 1997 in a nice and simple rate graph. Did you know in 1998 rates were as high as 7.5%? …and in 2002 rates stayed constant at 4% for the whole year? …and the lowest rate recorded since 1997 was 3.5% for a few months in the summer of 2003? Well, neither did I, until I found the following page: View Historical Base Rate Trends The only odd thing

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Date:26 June 2008 I Comments: 0 I Views:6,062

I’ve just read an article on popular UK personal finance site www.thisismoney.co.uk with the headline ‘The House That Lost 40% in Four Months‘. Sounds ominous doesn’t it. The headline suggests that a house has decreased by 40% in value in just four months. But it hasn’t! Firstly, house prices you see in estate agents are not usually the prices buyers pay. Estate agents will always inflate the true value of the property slightly so that after some negotiating the vendor gets the price they actually wanted and the buyer thinks they’ve got a good deal. Someone I know recently paid £205,000

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Date:23 June 2008 I Comments: 1 I Views:6,855

I’m what is known as a ‘pescatarian’. I don’t eat meat apart from fish. I’m not a vegetarian or a vegan but I do try to only eat fish from sustainable resources or farms (if you shop at Waitrose, that’s all they sell…). I don’t make a fuss when I go to friends BBQ’s and I don’t ever try to force my way of eating or thinking onto anyone else. Strangely, it’s the other way around. My friends often offer me meat and make little jokes about it. After years of outwitting them though, most of my friends leave well alone

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Date:12 February 2008 I Comments: 0 I Views:6,632

Would you attempt to drive 1500 miles across Europe in 4 days in a car worth under £500? If it was for charity, of course you would! Wouldn’t you? Well that’s exactly what a couple of my friends are doing from April 3rd to 7th in a Nissan 100NX dressed up to look (a bit like) the car from Smokey and The Bandit. To add authenticity, one of them (The Bandit) has been growing his moustache and will be dressed in a full ‘Bandit’ regalia for the entire trip! Their route will take them from Calais to Paris then on to

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Date:9 September 2007 I Comments: 0 I Views:6,593

Ever heard of or looked into Bhutan? It’s a Kingdom and you can’t visit as a free roaming tourist. It’s nestled in the eastern Himalayas bordering Tibet, it’s Buddhist and Gross National Happiness is more important than gross national profit. Think about it, if you’re happy, would you be concerned about money? http://www.kingdomofbhutan.com/ Guided holidays aren’t cheap though but I’d still like to visit because the lifestyle seems so distant to the rat race we’re used to in the UK. Although, new tory policies seem to be adopting similar principles… http://www.dailymail.co.uk/news/article-480841/Cameron-proposes-ban-plasma-TVs-green-package-reforms.html They might win my vote yet! Either that or

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Date:6 September 2007 I Comments: 0 I Views:7,070

I received an email from a friend yesterday with details of a laptop giveaway by The Carphone Warehouse. 50 laptops worth £500 each were to be secreted about the centre of Southampton and a select number of other UK cities. Unfortunately, due to a potential security risk, police called a halt to the plans. 50 lucky passers by to The Carphone Warehouse PR crew were still given free laptops but 1000’s of people turned out from 7.30am onwards to hunt for a freebie and were sorely disappointed. http://www.dailyecho.co.uk:80/display.var.1669381.0.police_step_in_to_halt_free_laptop_hunt.php

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Date:6 July 2007 I Comments: 0 I Views:7,166

Have you applied for anything online only to find that you are continually bombarded thereafter with either promotional emails or phone calls or even junk through your letter box? If you have applied for a loan recently you may find yourself subjected to phone call after phone call from companies all claiming to have received your application long after you’ve already arranged your loan. Why does this happen? Two possible reasons: 1/ the company to which you first applied is unable to help so they have passed your details to a company that may be able to. This is quite common and

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Date:21 June 2007 I Comments: 0 I Views:8,013

In the last week two things have happened in the last week that suggest to me my neighbourhood is in decline. Earlier this week I walked out of my front door only to notice across the road in the childrens park/play area were a small number of caravans, a few dogs and some makeshift washing lines. Lovely! Luckily, within a few days they had been moved on. This afternoon on returning home I noticed a friends car parked near my place which may not seem unusual but I wasn’t expecting them and I hadn’t seen them for some time. Turns out

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Date:20 June 2007 I Comments: 0 I Views:6,138

The Royal Mail recently attempted to post an item to me that was too large to fit through the letter box. I don’t actually recall hearing the doorbell, I just found one of those little red notes on my doormat telling me someone had tried to deliver a package. I happened to notice the opening times had changed at my local collection depot to what first of all seemed like more sensible times. They used to be open during more or less office hours and they are now open from 6am to 12pm then from 5pm to 7pm.  Seems logical because people can

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Date:17 June 2007 I Comments: 0 I Views:7,267

I live in Southampton, UK. It’s not a small city and collectively we must produce tons of waste every hour and yet when I asked my local council for a glass bin (a plastic box some councils provide for people to put their glass in which gets taken away on a specific day and recycled. There have even been NATIONAL adverts about them and the benefits of glass recycling) I was told ‘we don’t provide them in Southampton’. Seriously?? What’s worse is the council representative even told me I could just put my glass in the non-recyclable bin. Naturally I asked if

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