.
As today's the day when we will be fed a bunch of lies by the bloody crowd we have to call 'government', I've been scouring the press for a nice high rock, over which I would like to push every single squealing, lying and cheating politician which has effectively brought this country to ruin.
I've found it here...
.
I'm not feeling so good after that.
ReplyDeleteHow odd - I got that from a mate in France about a week ago. Agree with your sentiments though - despite the wv for this one:
ReplyDeletea vague no !!.
Nothing at all vague about it as far as I'm concerned
Nah! You want the Tarpeian Rock on Rome's Capitoline Hill. Traitors were pushed off that one...and our lot would fit in very nicely with the detritus at its foot!
ReplyDeleteOooh Scrobs that is really scary..Good idea to push all the NuLab liars over the top though!
ReplyDeleteDi.x
And will they be driven barefoot and smock clad across those rocks and marshes first? By the people armed with knouts?
ReplyDeleteMe too Lucien - both Daughts' beaus say they'd like to parachute of it as well...
ReplyDeleteQuite so Reevers; 'vague' they're not - they understand every lie they're telling all the time, and they're being rumbled every time now too.
ReplyDeleteApricers, I'll look at that now, meanwhile, can we push them off both places, just to make sure?
ReplyDeleteTrubes, you just stick next to me and you won't get hurt...
ReplyDeleteHats, it had to come from you, and yes, yes, yes...
ReplyDeleteAnd the piano wire lorry, and the lamp post makers...
Classic!
ReplyDeleteI used to be relaxed about that sort of thing but I fell off a ceiling in a mate's dining room a few years ago, all my own fault, and my hamstrings quiver like jelly now just watching a slideshow like that.
ReplyDeleteWhat my old pater calls a 'mother-in-law's drop'.
Scrobs: Marginally o/t for this thread but what the hell.....
ReplyDeleteI was browsing around yesterday and came across your wee rant on Guido about your non-performing endowment. A few years ago in was in the same position as you with a mortgage and an endowment. I had noticed that over a three year period the cash being credited annually to the endowment went from £700 to £70 to £7. It was clear that the eventual target figure was not going to be met, so on the day I got the last statement I wrote two letters: one to the bank to cancel the direct debit for the policy with immediate effect, and the second to the endowment provider to tell them that they would get no more cash from me, and to make the policy "paid up", but kept in existence until maturity. I had no intention of withdrawing the cash and sustaining a substantial loss to their rapacious "admin fees".
The following month, on the date when the d/d for the mortgage was due I prepared a template of a letter for the mortgage provider and ran off several photocopies for future use (this was in the days before everyone had personal computers and word processing!). I sent one, enclosing a cheque for the same amount that had hitherto been for the endowment, asking them to credit it to my mortgage account as a one-off capital repayment and to let me know the outstanding balance and the payment due the following month. Forunately, the mortgage was one which made instant adjustments whenever any capital repayment was made rather than one on which adjustments could only be made once a year. The mortgage d/d was maintained untouched. A few days later I got the reply with the new numbers, and of course the following month's payment due was a bit less than it had been previously. I maintained this action for the following five years and it was always nice to see that with every passing month my debts were reducing. To make up for the loss of the life insurance aspect of the endowment, I took out a simple similar term assurance policy which cost me less than £50 a year.
On the date when the endowment matured, I got a settlement cheque from them for a few thousand pounds. I was not unduly surprised that when I did the arithmetic, the amount of the cheque was for merely pennies more than the sum I had paid in all those years ago. However, as I did not immediately need that windfall that cash was added to the following month's extra mortgage cheque.
Doing all this enabled me to keep a close eye on my finances/debts. When I got it down to only around £5000 outstanding I decided to pay the balance off in one go instead of paying more months of interest. So I wrote to inform the company of this and asked for the actual sum payable if I paid off in full at the end of the following month. A few days later I got their reply with the appropriate figure, and sent the cheque by return. Early the following month I got the discharge letter, together with a nice refund cheque as I had paid up a couple of weeks early.
Thereafter it was a lovely feeling to know that (a) my flat was all mine and (b)the sum in the box on my pay slip was also all mine and that I would no longer have to give half of it away. I reckon I saved many thousands of pounds in interest by blitzing the mortgage like that - money which I could now happily spend on myself for a change! If an endowmwnt is not performing, there really is no point in contibuting further.
I am not of course saying that you should follow my example, but before you even consider either topping up your endowment (good money after bad!) or leaping from the beautiful cliffs depicted in your link, you might ponder other practical alternatives.
Nil desperandum...
Reevers; that's a great piece, many thanks.
ReplyDeleteI've read it twice, and think I can see the logic, so, will investigate!
My rant usually boils down to hatred of people like Brown who really don't have a clue on the costs of their dabbling in politics.
At least several thousand people read posts on Guido, and take notice, which is more than be said for our political failures.
Nice of you to be helpful too; I appreciate that!
How I agree with you. Starkey said it all, I'm sorry you missed it, Scrobs but if it Youtubes I'll feature it over at myplace. If you pop by. Hmph!
ReplyDeleteWhat an amazing series of pics, thanks for that. They were great and what an impressive er.. erm.. natural erection. Well that's what it looked like to me. Perhaps not entirely accurate but hey, I liked it.
Are you enjoying the warm sunshine, Scrobs? How's the garden?
Scrobs; Do speak up if there is anything which you don't follow and I'll try to clarify. The basic philosophy was that there was clearly no point in paying into an endowment that was paying absolute peanuts in interest, but using the monthly premium payments instead to actually reduce debt and pay off the mortgage that was being charged at around 6% at the time.
ReplyDeleteJust to cheer you up a bit, I have today received from my bank a note (which cost them £1 to send) that the interest on my Euro fixed deposit account has been "refixed" at 0.000000001%pa (yes, that's 8 noughts after the decimal point). When I get that 1 eurosen in about a million years' time, I would like to take you and Mrs Scrobs out for a pint...