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Getting a Mortgage
Having been in the enviable position of being a house owner with no mortgage, I now find myself with major house repairs to be done and no money to do them. In other words I need a loan to enable me to replace the roof on my house. If you are in a regular job, employed by someone else then getting a loan for a large amount of money as a homeowner is relatively straight-forward. What you need is a mortgage or secured loan. Interest rates are relatively low (around four percent). However, if like me you are self employed, things can be a little more tricky. These days mortgage lenders generally need to see your self assessment tax returns. The days of self-certified mortgages seem to be over. So generally you need your self assessment returns and your letters from the taxman to prove your income.
How much can you borrow?
In general it seems that mortgage lenders are willing to lend around three times a single persons annual income. If there are two earners applying for a joint mortgae, the rate is closer to 2.5 times the joint income. Borrowing against a mortgage offers a low rate of interest but if you don’t make the paymnents your home is at risk.
Congrats to NZ & France
Well done to New Zealand and France for reaching the Rugby World Cup finals. New Zealand won a great encounter with Australia which really should have been the final. Sadly the best three teams in the tournament were fromthe southern hemisphere and the seeding system meant that only one could reach the final. Everyone wil be expecting them to over-run the French.
France meanwhile put in a mediocre performance to reach the final. They certainly didn’t seem to be as up for it as they were in the quarters against England. Pubs, clubs and bars throughout the principality were packed with expectant Wales fans who were disappointed with both the result and the manner in which it happened.
Posted in Football
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Online TV Entertainment Is Ideal For a Hectic Lifestyle
Online TV Entertainment Is Ideal For a Hectic Lifestyle
The hectic lifestyle of a modern person doesn’t allow much way in the terms of entertainment. In the late 90s, it feared that TV viewing numbers were actually going down. This was due to a number of reasons but one was that many of us couldn’t sit down in front of the TV anymore at a set time to watch programmes. The internet has changed this and now there’s a new way to enjoy TV like never before.
Largely due to changes in technology but one of the most important being the take up of Broadband and faster connections. Today, if you want to enjoy internet tv, you could switch on your computer and log into to catch up services like Seesaw in the UK and watch a number of listed programmes for free or for a small fee. It’s easy! There’s a strong line up of documentaries, drama and comedy on all internet TV services but there still isn’t one service that caters for every single TV programme but looking around there should be something for everyone.
In the future, advancements in mobile technology could mean that we’ll be able to experience undisrupted TV streaming on the go! Certainly, the games console industry has taken to streaming TV in a big way with Xbox and PS3 leading the charge. Interesting times are ahead for the TV industry so watch this space!
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Cantona’s latest
Cantona’s Kung Fu Kick – apparently he “did it for the fans” according to the BBC interview….
Posted in Football
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