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  1. Replies
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    Sticky: TFBSZ :wave:

    TFBSZ :wave:
  2. Replies
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    Sticky: Left overs from yesterday for tea. Along with...

    Left overs from yesterday for tea.
    Along with another slice of very tasty rhubarb and ginger cake.
  3. Thread: Who was this?

    by WTFH
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    Looks vaguely like one of my gardener's pool cars...

    Looks vaguely like one of my gardener's pool cars that he uses to take the chicken manure to the tip.
  4. Replies
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    The last one I used is now retired. He gave me...

    The last one I used is now retired. He gave me the option of paying him a fee, or having it as a cut from the lender (or as zonk calls it "free").
    I chose the option of paying him the fee. The rates...
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    i.e. not free. The 0.3% comes from somewhere....

    i.e. not free.

    The 0.3% comes from somewhere.

    As for advisors charging a fee only, obviously you are refusing to read the links provided.

    Now, tell me how many mortgages you have taken out...
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    Last time I headed that direction, I met Brillo...

    Last time I headed that direction, I met Brillo with his exes going the other way, they were carrying bags of cats.
  7. Replies
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    How is it free for you?

    How is it free for you?
  8. If his skin colour was different, would the wail...

    If his skin colour was different, would the wail have spun it that he was a drug dealer, due to his attempts to legalise the sale of cannabis, and his arrest in 2010 for possession and dealing.
  9. Replies
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    It's "free" for you, because you're not seeing it...

    It's "free" for you, because you're not seeing it as a single payment, instead it's a sum added on to the mortgage repayment.

    These guys are not charities, they are in a job to make money.
    Some...
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    I've just provided you with a list. Here's a...

    I've just provided you with a list.

    Here's a bit more for you to explain how mortgages work these days.
    Mortgage Advisor Fees
    or here:
    Guide to financial adviser fees - Money Advice Service
    ...
  11. Replies
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    Sticky: Knock on her 6th floor apartment door and ask for...

    Knock on her 6th floor apartment door and ask for some milk, then use your charm, some grass and an elevator.
  12. Replies
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    Just tick the boxes down the side for "Fee" and...

    Just tick the boxes down the side for "Fee" and "Fixed fee":
    Top 20 Independent Mortgage Advisers & Brokers in SW1A | Mortgage Advice | unbiased.co.uk

    There's a list of a few that do not get a %...
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    Garbage. Plenty of advisors do not take...

    Garbage. Plenty of advisors do not take kickbacks.

    I did not say they did it for free, I said they did not get a % kickback from lenders.
    And therein lies the problem - you won't get impartial...
  14. This is a wokeflake thread. When will MrD...

    This is a wokeflake thread.

    When will MrD organise a march?
  15. Replies
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    Sticky: Morning all :wave: CBS, etc here. It appears I...

    Morning all :wave:
    CBS, etc here. It appears I may have got a bit of a tan yesterday while doing home improvements on the property I bought for my African ladies.
    I have also managed to bugger my...
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    As explained above, this does not happen with...

    As explained above, this does not happen with independent mortgage advisors. They do not get paid a commission by the lenders as this can be seen as a way of preventing them providing independent...
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    Sticky: Morning all :wave: a bit damp out. oh, and...

    Morning all :wave:

    a bit damp out.

    oh, and just noticed we’re on a palipage :yay:
  18. Replies
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    I’ve already been to the pub and the hairdresser....

    I’ve already been to the pub and the hairdresser. I’ve had a short and a back and sides.
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    Sticky: The Wife (tm) isn’t prone to profanity, but has...

    The Wife (tm) isn’t prone to profanity, but has just watched the news about the Sutton hospital. Signed off almost a year ago, but then “delayed” for unknown reasons.
    She thought it was being saved...
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    Sticky: Are you sure?

    Are you sure?
  21. Replies
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    18,450

    BBC iPlayer - Staged...

    BBC iPlayer - Staged
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    https://youtu.be/WAlslN90CWw

    https://youtu.be/WAlslN90CWw
  23. Replies
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    Sticky: That conjures up the Last Tango.

    That conjures up the Last Tango.
  24. I ask about all the complexities of taxation, and...

    I ask about all the complexities of taxation, and you change that to be "if you don't understand the basics"

    Notice the difference?
    You then refer to people as "dim" etc.

    Do you read the...
  25. I guess the thing is, is the tax...

    I guess the thing is, is the tax advisor/accountant doing your tax returns for you and tells you that what they have done is legal and correct, should you haver a second accountant to review the...
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    Sticky: Morning all :wave: Pleasant walk up the hill...

    Morning all :wave:

    Pleasant walk up the hill earlier. Blue skies over me, a few light clouds over London.
  27. And if you’d bothered to read my post, engaging...

    And if you’d bothered to read my post, engaging your brain, you’d realise that I don’t think you and mal are 100% correct in the idea that you must understand everything yourself and not employ...
  28. Not really pointless. Unless you are a tax...

    Not really pointless.
    Unless you are a tax expert, have read, studied and understood all the relevant information from HMRC, then you are relying on the expertise of others.
    The posts that are...
  29. Thread: Good idea?

    by WTFH
    Replies
    8
    Views
    239

    FTFY

    FTFY
  30. Replies
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    Sticky: My next property in Surrey is almost ready for...

    My next property in Surrey is almost ready for the two African ladies to move in. I just have to set up the front door electronics and possibly get new lighting installed.
  31. Replies
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    Sticky: Interesting quote from me. Your post above is...

    Interesting quote from me.

    Your post above is #331265
  32. Replies
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    Sticky: Morning all :wave: Blue skies earlier on the...

    Morning all :wave:

    Blue skies earlier on the walk, now it's becoming more overcast.

    In other news:
    https://www.thepoke.co.uk/wp-content/uploads/2020/07/EbwIdQwXQAAN3az.jpeg
  33. Replies
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    Sticky: Garden waste bin trundled.

    Garden waste bin trundled.
  34. Replies
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    Are you sure? (https://theberincentre.co.uk)

    Are you sure?
  35. Replies
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    Sticky: We've not risked doing another patching cycle...

    We've not risked doing another patching cycle since the day I accidentally became a mod and no one has worked out how to remove me yet.
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    Currently checking your spelling corrections. ...

    Currently checking your spelling corrections.

    https://www.contractoruk.com/forums/technical/129603-jison-spec.html#post2587135...
  37. Replies
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    Sticky: Did the forum just have an MF moment?

    Did the forum just have an MF moment?
  38. Replies
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    Sticky: Morning all :wave: Blue skies earlier on the...

    Morning all :wave:
    Blue skies earlier on the walk, but a bit overcast now.
  39. Replies
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    Sticky: TFBSZ :wave:

    TFBSZ :wave:
  40. It's after taking millions in donations from the...

    It's after taking millions in donations from the construction industry.
  41. Replies
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    How about: how dare he go behind the leader of...

    How about: how dare he go behind the leader of his party and attempt to undermine him and the British negotiators.
    The ERG is not the Conservative Party.
    The ERG is not a democratically elected...
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    Sticky: 10/10. Good rant. It's one of those situations...

    10/10. Good rant. It's one of those situations that contractors face where it's worse than HR for a permanent employee.
    There's another thread where people are arguing they could never go permanent...
  43. Replies
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    Sticky: Morning all :wave: Managed most of the walk in...

    Morning all :wave:
    Managed most of the walk in the dry, but the last 5 mins saw it start to drizzle.
  44. Replies
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    Where are you looking to buy?

    Where are you looking to buy?
  45. Replies
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    Sticky: Lunch was leftover cauliflower cheese.

    Lunch was leftover cauliflower cheese.
  46. Replies
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    Sticky: 3rd coffee had, with a slice of banana loaf I...

    3rd coffee had, with a slice of banana loaf I made at the weekend.
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    Sticky: liontamerlou - didn't like Cojak deleting one...

    liontamerlou - didn't like Cojak deleting one post for spamming, reposted the same thing 3 days later.

    Bye.
  48. Replies
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    Sticky: Only 2 coffees so far for me, and no biscuits.

    Only 2 coffees so far for me, and no biscuits.
  49. Thread: Pure comedy gold

    by WTFH
    Replies
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    654

    You might have missed the last couple of seconds...

    You might have missed the last couple of seconds

    "And I also heard you say this is a democracy, and I’m sick and tired of hearing you saying that. It's a republic"
  50. Replies
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    Sticky: Morning all :wave: it was blue skies when we...

    Morning all :wave:
    it was blue skies when we went out on our walk earlier, by the end of it the high winds had blown in clouds.
    Looks like it might rain
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