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Gosh, mortgages, aren't they a trial. Do you go for a tracker or try to pick a good fixed rate? I'm also wondering what to do with my pension. The only one I have is with Anglia Ruskin, but I've ended up just putting 2.5 years of contributions in. I wonder if I might be better withdrawing my contributions and investing them elsewhere. And I need to update my Will and write to HMR&C about my income for the last tax year.

Link.

Mood:: facetious

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There are 17 comments on this entry. (Reply.)

You want for us to flag this entry as adult concepts?

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Do you think it might upset young people?

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Well, it might put them to sleep when they're trying to stay up late reading porn on the internet while their parents aren't paying attention.

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Anything that gets young people reading has to be a good thing.

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I may be an adult, but I am not content.

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You will be soon... </mysterious>

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I'm so tempted to send some stripped down pictures of the Mickey (the Morris Minor).

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My best advice on pensions is to work in the public sector and get on a final salary pension scheme. Public sector pay may be rubbish, but the benefits are great.

As for mortgages, you need to get a fixed rate one a couple of years ago. Without the benefit of time travel, however, it's a little more difficult to decide - rates aren't rising much any more and may just hold steady for a while or even drop in a year or two, in which case fixed rate is a big loser.

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If you have savings (which is something I know nothing about) then consider an offset mortgage. It gives you more flexibility and is very effective tax-wise as you don't pay tax on the savings interest (becasue you aren't getting any interest to pay tax on)

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I think you may have missed

bugshaw's subtle Ironic Post tags...

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Can you get Subtle Ironic Post-Its?

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No, Subtle-Ironic is the font, or there's Subtle-Ironic Sans if you want to show there's no subtle irony at all.

Anyway, I want to flag posts as Adult Malcontent.

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Like this?

Hmm, the Internet seems to have trouble with displaying Subtle-Ironic.

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*snerk*

We got a five-year fixed rate just before the interest rates went up - we're happy :)

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Glad for you :-)

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I can recommend an excellent Independent Financial Advisor, if you would like. He charges a fee, but if the best choice for you results in some commission for him, he reduces his fee accordingly.

We are going back to him in the summer so we can shift mortgages the day we come out of the penalty-ridden period. He saved us 5k during the buy-out this year and was instrumental in beating up the bank at regular intervals so it did actually happen in less than geological time.

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I've had a couple of dodgy IFAs, so I'd be pleased to have a recommendation. I don't need an IFA right now, though.

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