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INSERT INTO `phpbb_posts` VALUES (2,2,3,53,0,'*.*',1267069464,1,0,1,1,1,1,'','ive got badcredit and cant get a debit card anybody know of a quick solution?','my bank (royal bank of scotland) will not issue me with a debit card as i have bad credit and in todays society one is desperatly needed as i couldnt even buy car ins i  had  to get my parents to do it! does any body know how i can rectify this or obtain a debit card quickly? \r\ni do not want a credit card.','ffcebcee3da8b5b2b6fc7dccaa3ecc0d',0,'','',1,0,'',0,0,0),(3,3,4,54,0,'*.*',1267069497,1,0,1,1,1,1,'','what is the best way to put your house and money away so that you don`t have to pay for care in old folks home?','thinking of how to save my house and money for my family if i have to go into an old persons home in the future ,i have been told that you have to transfer house and money over 7 years before hand ,whick i am willing to do,i have worked hard all my days and would like to leave \r\nmy family my small council bought house and a small ammount of cash','93a2f9578f830acda9e6418271f3ff9d',0,'','',1,0,'',0,0,0),(4,4,5,55,0,'*.*',1267069501,1,0,1,1,1,1,'','wholesale prices in china?','I want to buy mobile phones (for UK use)  at wholesale  prices in china,  does anyone know any wholes company? which is the best part to visit? thank you','ead4306eb41954f433027e78adc12601',0,'','',1,0,'',0,0,0),(5,5,6,56,0,'*.*',1267069505,1,0,1,1,1,1,'','opening a joint current account?','i am going to open a joint bank account with my partner next week. I just want a basic account, where we can pay any spare money we have into it, and use it for holidays, shopping etc. I will be asking for a basic account, with just a debit card and NO overdraft.\r\n\r\nDoes anyone know if you are credit searched for this? I had bad credit about 6 years ago, and wondered if this would affect it?\r\n\r\nMany thanks xx','2f6eede105d4aac3a4263538807d24d3',0,'','',1,0,'',0,0,0),(6,6,6,56,0,'*.*',1267069511,1,0,1,1,1,1,'','opening a joint current account?','i am going to open a joint bank account with my partner next week. I just want a basic account, where we can pay any spare money we have into it, and use it for holidays, shopping etc. I will be asking for a basic account, with just a debit card and NO overdraft.\r\n\r\nDoes anyone know if you are credit searched for this? I had bad credit about 6 years ago, and wondered if this would affect it?\r\n\r\nMany thanks xx','2f6eede105d4aac3a4263538807d24d3',0,'','',1,0,'',0,0,0),(7,7,7,57,0,'*.*',1267069516,1,0,1,1,1,1,'','I have got bad reception Do i need to pay the TV licence still ?','I just moved house and i got no reception at all i try to buy digital equipment to recieve any channel, but it doesn\'t work.what should i do ? I got my first lettre to pay tv licence ,\r\ndo i have to pay a TV licence still ???any advise !?\r\nthank you very much.','1672e84404cb693c1150566d74d3365f',0,'','',1,0,'',0,0,0),(8,8,7,57,0,'*.*',1267069519,1,0,1,1,1,1,'','I have got bad reception Do i need to pay the TV licence still ?','I just moved house and i got no reception at all i try to buy digital equipment to recieve any channel, but it doesn\'t work.what should i do ? I got my first lettre to pay tv licence ,\r\ndo i have to pay a TV licence still ???any advise !?\r\nthank you very much.','1672e84404cb693c1150566d74d3365f',0,'','',1,0,'',0,0,0),(9,7,7,58,0,'*.*',1267075250,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','Yes - because you also have a computer, radio, radio in your car, mobile phone - all devices capable of receiving the BBC signal.','fde21c60009a2bae50d7b40dbf3e94be',0,'','',1,0,'',0,0,0),(10,8,7,58,0,'*.*',1267075253,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','Yes - because you also have a computer, radio, radio in your car, mobile phone - all devices capable of receiving the BBC signal.','fde21c60009a2bae50d7b40dbf3e94be',0,'','',1,0,'',0,0,0),(11,9,4,59,0,'*.*',1267075496,1,0,1,1,1,1,'','Why do some people still buy property in the UK ?','Why do some people still buy property in the UK ? Property prices are to fall for about 25% in the next couple of years..additionally the coming environmental laws will make it necessary to replace windows, the roof and insulate the walls....which is quite costly. So basically buying property in the UK is a \"waste\" of money compared to renting property... Almost all property in the UK is also bought using a mortgage -   so the buyer does not only loose money because the property value is decreasing and he needs to put a lot of money into the house, but also because of the interests paid to the bank. So why on earth do so many people in the UK still buy houses or flats ?\nThe alternative to buying is renting. Money on the rent is \"wasted\" - but so are interests to the bank. If the rent is lower then the interests (or even the same), renting is cheaper and you do not have to carry maintenance costs.\nExample: Person A is paying 600 pounds on the rent....person B is paying 600 pounds alone on the interests of the mortgage...and statistically most home buyers pay more interests alone then the rent would be...only the money you pay off is yours....but most mortgages out their are 90% interest rates....and so if you only pay-off 1000 pounds per year this would take 100 years until the property is yours - and this does not take maintenance costs into account that will need to be paid too. Even if you do not need a mortgage and could pay for house directly - it would be better to put the money on a savings account and pay the rent from the interests you get on your savings account.....once you need a mortgage, the house price needs to increase for at least the amount of your annual interests - and even then you would have made a loss compared to a savings account.\nBuying property is not necessarily a \"security\" - primarily buying property means taking on a long-term responsibilty - and always means a risk. Buying property is also a risk even if you do not need a mortgage.....a mortgage itself is also a big risk..so buying property on a mortgage is an even higher risk.\nImagine you would not need a mortgage and had the money to buy a house in the UK....and you had to decide between putting the money on a savings account (e.g. 250,000 pounds) which would be about 1250 pounds per month...and then pay the rent from your interests - and buying a house...which means the house price needs to increase by more then 6% every year (+maintentane feeds).....but house prices are not increasing but falling....even if they stay at the same level you would loose money due to inflation. A savings accounts is basically without a risk and you can count on the monthly interests for sure and in the long-term.  If you need a mortgage the calculation gets more complicated - and renting gets even more attractive then buying.....\n\"Eventually you own the house free and clear with no mortgage involved\" - this is really naiive. An average house costs about 180,000 pounds. If you pay 20% and get a mortgage on 80% of it, you need to pay off a mortgage of about 150,000 pounds....so this would be roughly 800 pounds per month. After 20 years you still have 90,000 pounds of debts...and 20 years is a long-time. So you basically made 60,000 pounds in 20 years. But you have invested 30,000 pounds at least...and 30,000 pounds on a savings account are 96,000 pounds after 20 years and you would have made 66,000 pounds instead.','f62058d560674013df8bd56afd7f1d1f',0,'','',1,0,'',0,0,0),(13,5,6,61,0,'*.*',1267075501,1,0,1,1,1,1,'','Re: opening a joint current account?','I dont think you will be credit searched, but to be on the safe side you could always open an account with the bank you have your own personal account with - that way you would be an existing customer','99de0b86d5e9b7953ca4d709a7dd283a',0,'','',1,0,'',0,0,0),(14,8,7,62,0,'*.*',1267075507,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','If you don\'t use a TV to receive broadcast signals you don\'t have to have a licence. So if it doesn\'t work, you\'re not using it to receive - right? You don\'t need a licence just for having a TV, or having it plugged in, or having it connected just don\'t watch broadcast TV. You can use it for gaming, video playback, a computer monitor.\r\n\r\nIf anyone comes round do not let them in no matter what they tell you unless they have a court order. If they threaten you just shut the door on them, they have no legal right to question you or enter your property (unless they have a court order - in which case they\'ll have a member of plod with them). \r\n\r\nThey can threaten to interview you under PACE and remember that goes \"you have the right to remain silent\" so just shut the door on them.\r\n\r\nI think that\'s about it. This only applies if you do not watch broadcast TV mind. If you do get a licence, but don\'t be bullied into it if you don;t. It\'s not that you\'re CAPABLE of receiving, you have to actually do it and watch it or record it.\r\n\r\nETA\r\n\r\nYou don\'t need a licence to use iPlayer or any other non-broadcast service including these \"watch again\" things you get on internet and cable. You ONLY need it for broadcast.\r\n\r\nThere\'s so much wrong advice here. The law states \"installing or using\" to receive broadcast television. You DO NOT need a licence just because you\'re capable of receiving broadcast TV so long as you actually don\'t do it. You only need a licence if you install (or instruct someone to install) a broadcast receiver, or you use a device capable of receiving broadcast TV.\r\n\r\nPlay again or iPlayer etc is not broadcast. Sky is broadcast. Please stop giving bad advice unless you actually know the law. If you install or receive broadcast, you must have a licence. Being capable of receiving (and not actually doing it) you do not need a licence. It\'s not too hard.','c93b23ace42069ea1e0db048348c5193',0,'','',1,0,'',0,0,0),(15,10,3,63,0,'*.*',1267075653,1,0,1,1,1,1,'','if you buy a car with money from a loan company and not finance from garage can u get logbook loan?','i bought a car paid with debit card for the full amount, the money came from a loan company, as the car finance where i bought car was expensive, its all in my name but finance in a relatives name, i just pay the loan off by derect debit in his bank, i want a log book loan will the log book  company know if thecar is on finance.','dfb8fb44588e7b4b8f1d38610437e29a',0,'','',1,0,'',0,0,0),(16,4,5,64,0,'*.*',1267075658,1,0,1,1,1,1,'','Re: wholesale prices in china?','try this  link:\r\nhttp://www.globalsources.com/\r\nYou may  take attention as imported mobile phone must be configurated by  your local provider of service which  cost money.\r\nYou have to contact them  before  you  undertake  you project.\r\nGood Luck.\r\nJP','61170692d10967147c01948738a2f94d',0,'','',1,0,'',0,0,0),(17,5,6,65,0,'*.*',1267075662,1,0,1,1,1,1,'','Re: opening a joint current account?','No, your credit doesn\'t matter.  They will specify how much you have to deposit and keep in there though.  Usually $25.','19b37d5b06be62aa9d944a9b10b68abb',0,'','',1,0,'',0,0,0),(18,8,7,66,0,'*.*',1267075668,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','I know a family who can only get Sky,no terrestrial reception at all but have been told they must pay the licence fee,its the law.','ed9c665c4d784126cb5af46999bd13a9',0,'','',1,0,'',0,0,0),(19,5,6,67,0,'*.*',1267075823,1,0,1,1,1,1,'','Re: opening a joint current account?','That is the easy way. However, bear in mind that some banks are fussier than others. When we wanted to arrange a joint account we found Natwest very bureaucratic and Barclays less so. This despite the fact that I had a Natwest account for 35 years and my partner a Barclays account for about the same time. Also, think that a SMALL overdraft facility is useful just for emergencies. Good luck.','abb6c7ef02bddbd9768af3ff9fd4656b',0,'','',1,0,'',0,0,0),(21,7,7,62,0,'*.*',1267075831,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','If you don\'t use a TV to receive broadcast signals you don\'t have to have a licence. So if it doesn\'t work, you\'re not using it to receive - right? You don\'t need a licence just for having a TV, or having it plugged in, or having it connected just don\'t watch broadcast TV. You can use it for gaming, video playback, a computer monitor.\r\n\r\nIf anyone comes round do not let them in no matter what they tell you unless they have a court order. If they threaten you just shut the door on them, they have no legal right to question you or enter your property (unless they have a court order - in which case they\'ll have a member of plod with them). \r\n\r\nThey can threaten to interview you under PACE and remember that goes \"you have the right to remain silent\" so just shut the door on them.\r\n\r\nI think that\'s about it. This only applies if you do not watch broadcast TV mind. If you do get a licence, but don\'t be bullied into it if you don;t. It\'s not that you\'re CAPABLE of receiving, you have to actually do it and watch it or record it.\r\n\r\nETA\r\n\r\nYou don\'t need a licence to use iPlayer or any other non-broadcast service including these \"watch again\" things you get on internet and cable. You ONLY need it for broadcast.\r\n\r\nThere\'s so much wrong advice here. The law states \"installing or using\" to receive broadcast television. You DO NOT need a licence just because you\'re capable of receiving broadcast TV so long as you actually don\'t do it. You only need a licence if you install (or instruct someone to install) a broadcast receiver, or you use a device capable of receiving broadcast TV.\r\n\r\nPlay again or iPlayer etc is not broadcast. Sky is broadcast. Please stop giving bad advice unless you actually know the law. If you install or receive broadcast, you must have a licence. Being capable of receiving (and not actually doing it) you do not need a licence. It\'s not too hard.','c93b23ace42069ea1e0db048348c5193',0,'','',1,0,'',0,0,0),(22,9,4,68,0,'*.*',1267080916,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','To live in?\r\n\r\n\"Property prices are to fall for about 25% in the next couple of years.\" so you say, and others, but you don\'t know untill it happens.\r\n\r\n\"additionally the coming environmental laws will make it necessary to replace windows\" people have been fitting UPVC windows for years, whats new here?\r\n\r\n\"insulate the walls....which is quite costly\" - thats your opinion, as wall insulation often has a grant and will pay itsellf back.\r\n\r\n\"Almost all property in the UK is also bought using a mortgage\" as most people don\'t have enough savings to buy out right.\r\n\r\n\"so the buyer does not only loose money because the property value is decreasing\" - you are wrong here, just because the cost of the house falls, no money is lost. the mortgage payments stay the same.\r\n\r\n\"but also because of the interests paid to the bank\" - thats because you borow the money, you get to keep the house after 25 years\r\n\r\nAre you suggestiong everone who was to buy a house lived on the streets instead?','d5354fd3e15c962f9e3dbffb3688bc10',0,'','',1,0,'',0,0,0),(23,11,5,69,0,'*.*',1267081212,1,0,1,1,1,1,'','Where can I buy Mobile phones from in Bulk to resell?','I want to buy the latest models in bulk so you get a dicounted price.','965f85805c6113864bb263d61f637dec',0,'','',1,0,'',0,0,0),(24,12,3,70,0,'*.*',1267081493,1,0,1,1,1,1,'','If i started buying cars in uk and selling in ireland legit,what dealer charges would i pay?','As far as I am aware i only get taxed on my profits,know i have to pay VRT, could someone enlighten me on what the charges are, cheers, also do i need some sort of trading license?','36e65fe59e3916e43d0a93992558af08',0,'','',1,0,'',0,0,0),(25,9,4,71,0,'*.*',1267081496,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','because they need them now.','ff933eaa2ffaf245ec97e9ad2a1a99a9',0,'','',1,0,'',0,0,0),(26,8,7,72,0,'*.*',1267081509,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','yes, they are strict, when I didnt have a tv for a while, i rang to cancel my direct debit and when it restarted they took money for the time i didnt have a telly.','749917d8803f2eee9f432033260dfa3b',0,'','',1,0,'',0,0,0),(27,5,6,73,0,'*.*',1267081789,1,0,1,1,1,1,'','Re: opening a joint current account?','I think it is highly likely you will be credit searched for this account. Myself and my husband had some adverse credit issues in two years ago and last year we decided to open a savings account with HSBC. We already have two other savings accounts, a joint current account and another current account each with the bank but they turned us down for this additional savings account after carrying out a credit search! We were so surprised that this had happened! Not only were we already banking with HSBC but it was a savings account so not even an account where we would be borrowing money or having any bills go out from! Banks are incredibly cautious at the moment so even though the current account you plan to open won\'t have an over draft facility or any form of credit attached to it, it is still highly likely a credit check will be carried out. I would suggest that before you open the account, check your credit rating for free using http://www.experian.co.uk/freereport/?sc=410008 where you can get a free report and a free 30 day trial.','86c6ae9cbb4258b217ba88bc33d0862a',0,'','',1,0,'',0,0,0),(28,6,6,67,0,'*.*',1267081793,1,0,1,1,1,1,'','Re: opening a joint current account?','That is the easy way. However, bear in mind that some banks are fussier than others. When we wanted to arrange a joint account we found Natwest very bureaucratic and Barclays less so. This despite the fact that I had a Natwest account for 35 years and my partner a Barclays account for about the same time. Also, think that a SMALL overdraft facility is useful just for emergencies. Good luck.','abb6c7ef02bddbd9768af3ff9fd4656b',0,'','',1,0,'',0,0,0),(29,7,7,66,0,'*.*',1267081796,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','I know a family who can only get Sky,no terrestrial reception at all but have been told they must pay the licence fee,its the law.','ed9c665c4d784126cb5af46999bd13a9',0,'','',1,0,'',0,0,0),(595,0,4,564,0,'*.*',1274324648,1,0,1,1,1,1,'','','10% of 175,000 is 17,500. Your mortgage payment will roughly be about 1,225 for a 30yr mortgage. Go to mortgage calculators on google to see for yourself. you still need to include home insurance, and there are many other fees that will make your mortgage payment go up a little. Also you need to pay closing costs if the seller is not, inspections, apprasail, and possibly a survey.','f34a46782dbcc3981ef082f4d1970056',0,'','',1,0,'',0,0,0),(548,93,4,519,0,'*.*',1269124530,1,0,1,1,1,1,'','Re: Need help on buying house in UK?','report them to trading standards','28d011c5a6a6267e9117ffe3227d9469',0,'','',1,0,'',0,0,0),(549,93,4,520,0,'*.*',1269132376,1,0,1,1,1,1,'','Re: Need help on buying house in UK?','hi there , it sounds a bit unjust to me , but having looked apon some of the links on this page (incuded , it does seem to state that the contract IS legally binding ,however that is the form.....\r\n\r\nthe one you have already signed.. \r\nif they change the monies , it sounds like a new contract would have to be made - so maybe you may be able to get out of it on this clause?, ie if you stick with the £1000 retention contract, already signed , where is there on this form to say you must pay more? . i think that you are probably bound by that agreement but NO-OTHER..  If in doubt i recommen d  you seek advice as quick as possible via your nearest CITIZENS ADVICE BEARUE or C A B.','1700d6f1e6a33f499105abc04c4d3e38',0,'','',1,0,'',0,0,0),(32,5,6,76,0,'*.*',1267086347,1,0,1,1,1,1,'','Re: opening a joint current account?','you wont be credit searched for this','17fe3005b15f215d2577aaa41caed1c0',0,'','',1,0,'',0,0,0),(546,93,4,517,0,'*.*',1269113402,1,0,1,1,1,1,'','Need help on buying house in UK?','I have signed a Reservation Form and a deposit of 1000 pounds to buy a new house from a Building Construction Company yesterday.  However, they called today to say the price we agreed is too low, they want to increase several pounds because they now probably have another client who want to buy this house as well.\r\n   \r\nI think this is unacceptable.  Is this Reservation Form legally binding.  What can I do?  Any suggestions please.\ntyping error.  It should be they want me to put in another several thousands dollars.','09068ddb757e2f800e4304d26fcb5882',0,'','',1,0,'',0,0,0),(547,92,4,518,0,'*.*',1269116308,1,0,1,1,1,1,'','Re: UK;Should the housing market be so closely linked to our economy?','Some good points raised: \r\n\r\nThe negative equity issue may seem silly initially, but it\'s nothing to do with speculation or interest only mortgages: people do generally buy a home to live in. But say you borrowed £150,000 for the £300,000 house you want to live in but 3 months down the line you were told it\'s only worth £200,000 and you still have to pay off the loan for £150,000.\r\n\r\n- Now that\'s a whole lot of money you\'re paying on the interest/loan on that you wouldn\'t need to if you had waited 3 months... you, hopefully, understood the risks when you bought but, essentially lost.\r\n\r\nNow no matter how much you want to live in a particular house, losing £100,000 + interest (in this example) for not waiting a few months seems like a really big mistake (that\'s negative equity).\r\n\r\nThe idea that Houses should be treated like cars also seems like an appealing idea on paper:\r\n\r\nHowever case law, for good reason I\'d say, makes a clear distinction between the two. If you contract to buy a 4 seater car for £20,000 which is worth £25,000 on the open market then the seller refuses to sell it to you and you go to court, you will probably be awarded £25,000 (as this is the amount you would need to buy the same car elsewhere). If you see a house costing £200,000 with a market value of £250,000, you sign to buy it and then the seller refuses to sell then the court will probably award you specific performance (ie. the seller must give you that house for the price agreed). Why?  Because\r\n\r\n1. A car can be moved but a house cannot: a 4 bedroom house in Chelsea and a 4 bedroom house in rural Yorkshire are clearly not going to carry the same value: similarly a 4 bedroom house in Hackney, with wonderful views of a tower block, and a 4 bedroom house with wonderful views of York minster are not going to carry the same value. A Seven Series BMW looks good no matter where it is.\r\n\r\n2.  For linked reasons, Courts, I\'d say rightly, believe that if you want a Seven series BMW they can award you enough money to buy a replacement (no matter how modified it is, you can pay someone to easily modify a standard car in the same way). But houses have things like views.... you certainly can\'t buy a house \"somewhere\" and have the same view as a house \"elsewhere\"','4324304f19949c37fe143e0d1b378f5d',0,'','',1,0,'',0,0,0),(34,7,7,72,0,'*.*',1267086353,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','yes, they are strict, when I didnt have a tv for a while, i rang to cancel my direct debit and when it restarted they took money for the time i didnt have a telly.','749917d8803f2eee9f432033260dfa3b',0,'','',1,0,'',0,0,0),(35,9,4,58,0,'*.*',1267086772,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','Renting is dead money - this price drop is the first time in years it has happened and if everyone sits it out, property prices will rise again.','0064e06f9b4b23d9fbe7cbc2335d7639',0,'','',1,0,'',0,0,0),(37,13,7,77,0,'*.*',1267086782,1,0,1,1,1,1,'','How much VAT will I have to pay if I buy digital camera from outside the EU when arriving back in the UK?','It will be over the £350 allowance. Thanks!\nIt will be over the £350 allowance, and will be a digital SLR as well.','69fc69fdc61e29104f096cb54404922a',0,'','',1,0,'',0,0,0),(38,11,5,78,0,'*.*',1267087211,1,0,1,1,1,1,'','Re: Where can I buy Mobile phones from in Bulk to resell?','Hi you can try ebay.\r\n You have to choose MOBILE PHONES, and in the catogery, go right to the bottom for WHOLESALE AND JOB LOTS, then narrow your search down to the phones you want using the left toolbar. hope this helps you!','33221fce5a4c85bc119db4598a57ce09',0,'','',1,0,'',0,0,0),(39,7,7,79,0,'*.*',1267087217,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','its the poor reception u have on your tv tats causing the problem , you need to get a more powerful ariel or satellite and your problems should be solved.','0998fe05bd9905373243ae21e5855386',0,'','',1,0,'',0,0,0),(40,2,3,80,0,'*.*',1267092611,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','There is no quick solution. To have good credit you have to pay your bills on time and not get in trouble with money. Now you were talking about your parents, do you have any credit? Because if you are young, it could just be the fact that you don\'t have any credit, not necessary bad credit. All I can say is keep paying your bills and maybe take out a small loan and pay it back. Nothing you can do that would be quick. It takes time to repair bad credit.','612d726ab80e2554e24f86804398ccec',0,'','',1,0,'',0,0,0),(41,14,4,81,0,'*.*',1267092614,1,0,1,1,1,1,'','When are people going to start buying houses again?','When are people going to start buying houses again?','d81530177bfb4f7f19ac1724976e4610',0,'','',1,0,'',0,0,0),(594,0,4,563,0,'*.*',1274316418,1,0,1,1,1,1,'','','ten percent deposit would be approx 17 500.\r\n\r\nDifficult to state how much your mortgage payments would be a month because that would depend on type of mortgage and for how long the mortgage is over? It is 20 years, 25 years or 30 years. And also what percentage rate your mortgage is set at.\r\nThere are many mortgages - tracker, fixed rate etc','a76ec49f15f6b0442c2c3ada8ecf8527',0,'','',1,0,'',0,0,0),(43,13,7,83,0,'*.*',1267093229,1,0,1,1,1,1,'','Re: How much VAT will I have to pay if I buy digital camera from outside the EU when arriving back in the UK?','Current VAT rate is 15%.','83ee10d1e69b865a062dae9d3b7c8275',0,'','',1,0,'',0,0,0),(44,7,7,84,0,'*.*',1267093796,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','Yes you do. You are capable of getting a reception either by sky or a decent aerial. You have a TV, they will fine you.','ed56ac2709d7e706d4d24d35144ff7f3',0,'','',1,0,'',0,0,0),(45,15,4,85,0,'*.*',1267094367,1,0,1,1,1,1,'','NINJA loans and the Credit Crunch - Whos got the cash?','When people were persuaded to take out loans that they could never afford, to buy houses that they had rented for years,  there was lots of cash going in commission to the salesmen and middlemen.\r\n\r\nHowever most of the cash would have gone to the landlords who sold the property - who were they? and where have they stashed this loot? Three trillion doesn\'t fit under the matress of any bed I have ever seen...\nAnswers don\'t seem to be focusing on the orignal landlords - they sold the properties to the occupiers (maybe at an over inflated price maybe not) - they received the actual cash, who are/were they? where have they put it?\r\n\r\nowners of the properties who must have received the cash that was \'lent\' to the occupier - even if overpriced they got\nplease ignore last paragraph of nonsence above, I missed deleting it.','237f5a1daf102f146c524f5533af8a04',0,'','',1,0,'',0,0,0),(46,2,3,86,0,'*.*',1267098006,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','yeah, pay your bills','94b89be1e0f9fbd07b3171cdd131c192',0,'','',1,0,'',0,0,0),(47,7,7,87,0,'*.*',1267098016,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','Yes, if you own an electronic item capable of receiving broadcast transmissions (your present bad signal area is immaterial) then you have to buy a licence.','bc855484f1cc09bc1d33be615d3bace9',0,'','',1,0,'',0,0,0),(48,8,7,79,0,'*.*',1267098019,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','its the poor reception u have on your tv tats causing the problem , you need to get a more powerful ariel or satellite and your problems should be solved.','0998fe05bd9905373243ae21e5855386',0,'','',1,0,'',0,0,0),(49,9,4,88,0,'*.*',1267099457,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','i dnt no','fc38bb0049ba9c780755bbf52adfbb83',0,'','',1,0,'',0,0,0),(50,2,3,89,0,'*.*',1267100172,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','Pay your debts then,.....','0d4c39a770bfdf6b4770574fa30cd740',0,'','',1,0,'',0,0,0),(52,16,7,77,0,'*.*',1267103366,1,0,1,1,1,1,'','How much VAT will I have to pay if I buy digital camera from outside the EU when arriving back in the UK?','It will be over the £350 allowance. Thanks!\nIt will be over the £350 allowance, and will be a digital SLR as well.','69fc69fdc61e29104f096cb54404922a',0,'','',1,0,'',0,0,0),(53,8,7,84,0,'*.*',1267103367,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','Yes you do. You are capable of getting a reception either by sky or a decent aerial. You have a TV, they will fine you.','ed56ac2709d7e706d4d24d35144ff7f3',0,'','',1,0,'',0,0,0),(593,101,3,562,0,'*.*',1274149495,1,0,1,1,1,1,'','Re: When buying car insurance through a company called BEAT THAT QUOTE there is a £25 cash back?','It\'s perfectly safe. The details are held on a secure site and kept in encrypted form, but are needed for us (yes, I work there!) to be able to pay you.\r\n\r\nYou need to wait 60 days from the policy commencing so that we can obtain confirmation from the insurers that you have bought a policy.','5a8f8387db6a69c6081a4691dd51c852',0,'','',1,0,'',0,0,0),(55,17,4,92,0,'*.*',1267104219,1,0,1,1,1,1,'','How does HIPS put back the buying house reform in england and wales?','I am thinking of doing a UG dissertation on this pre-set topic \"the introduction of HIPS has put back the house buying reform in england and wales by at least a decade, discuss\". I understand what HIPS is but I do not understand what it means when it says its put back the house buying reform so could anyone please explain this? I would really appreciate any advice.','aeac7741d4fb8a3a44c04c525b72f279',0,'','',1,0,'',0,0,0),(56,16,7,83,0,'*.*',1267105991,1,0,1,1,1,1,'','Re: How much VAT will I have to pay if I buy digital camera from outside the EU when arriving back in the UK?','Current VAT rate is 15%.','83ee10d1e69b865a062dae9d3b7c8275',0,'','',1,0,'',0,0,0),(57,18,3,93,0,'*.*',1267108749,1,0,1,1,1,1,'','can i claim tax refund for buying car for work? if i buy from private then no resit how to claim?','can i claim tax refund for buying car for work? if i buy from private then no resit how to claim?','9d6f14b3eef8a6f387bebf582f22640d',0,'','',1,0,'',0,0,0),(58,19,4,94,0,'*.*',1267108752,1,0,1,1,1,1,'','Buying house in the USA!?','I have got 200,000 Pounds and I was wondering if I could buy an apartment in New York (in a nice place) with this amount of money. Thanks!','5aa53efe3228bc282f1302d373004b5e',0,'','',1,0,'',0,0,0),(59,8,7,87,0,'*.*',1267108759,1,0,1,1,1,1,'','Re: I have got bad reception Do i need to pay the TV licence still ?','Yes, if you own an electronic item capable of receiving broadcast transmissions (your present bad signal area is immaterial) then you have to buy a licence.','bc855484f1cc09bc1d33be615d3bace9',0,'','',1,0,'',0,0,0),(590,99,4,559,0,'*.*',1272870831,1,0,1,1,1,1,'','Is there anyway to sell your house fast and at or near the market value?','I know that there are firms who will buy houses fast. But are there any reputable ones that will pay the market value?\r\nThanks','58581c7dbccb54acbdf40959399e7fb1',0,'','',1,0,'',0,0,0),(591,100,3,560,0,'*.*',1273723079,1,0,1,1,1,1,'','www.enterpriseautosalesinc.com is safe to buy?','Enterprise Auto Sales is a good place to buy cars?','6eae9849ac59c40553ae3b2f4a5e98f0',0,'','',1,0,'',0,0,0),(592,101,3,561,0,'*.*',1274142658,1,0,1,1,1,1,'','When buying car insurance through a company called BEAT THAT QUOTE there is a £25 cash back?','But toget the cash back you have to wait 60days then complete a form giving your BANK DETAILS!\r\n\r\nHow safe is it to give BANK DETAILS IN A CASE LIKE THIS','f9a867894877b1301de9ecdad9d8cfcd',0,'','',1,0,'',0,0,0),(61,20,4,96,0,'*.*',1267110764,1,0,1,1,1,1,'','would installing central heating signicantly raise the price of a house?','im just about to become a gas instaler and was thinking of buying houses without central heating and installing it in my spare time. would i acieve any finacal gain?\r\nthanks','352f99afb991b253746e405a454e47ce',0,'','',1,0,'',0,0,0),(62,16,7,97,0,'*.*',1267111786,1,0,1,1,1,1,'','Re: How much VAT will I have to pay if I buy digital camera from outside the EU when arriving back in the UK?','You\'ll potentially have to pay customs duty on the difference between the cost of the camera and your allowance and then VAT on top.','ce819f5fa7b5b2178c7610e257ac7fd3',0,'','',1,0,'',0,0,0),(63,13,7,97,0,'*.*',1267111789,1,0,1,1,1,1,'','Re: How much VAT will I have to pay if I buy digital camera from outside the EU when arriving back in the UK?','You\'ll potentially have to pay customs duty on the difference between the cost of the camera and your allowance and then VAT on top.','ce819f5fa7b5b2178c7610e257ac7fd3',0,'','',1,0,'',0,0,0),(64,9,4,98,0,'*.*',1267114106,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','Because it\'s always nice to own your own home.  I have never rented in my life - I bought my first property 20 years ago at a very young age - it was the best thing I ever did.','f223568b4f6ea78d2cd9425d9ff44ded',0,'','',1,0,'',0,0,0),(545,92,4,516,0,'*.*',1269108328,1,0,1,1,1,1,'','UK;Should the housing market be so closely linked to our economy?','I find it astonishing yet not so surprising that if the Housing Market suffers a dip all hell brakes loose and its the end of the UK economy. Then if the Housing Market rises its parties galore as ppl make a \"Profit\" from there so called purchase. I find this somewhat irritating and childish or pathetic that the Housing Market should be held in such high esteem as to affect a Nations Economy.\r\nWhy do ppl buy houses with the intention to make a profit or as an leveraged investment for future plans? This, I believe, is the danger. You buy a house to LIVE in not as an investment opportunity.\r\nOK, you buy a house to your requirements be it big or small, but why should it be such a drama if house prices fall? Is it really the end of the world? OK theres Negative Equity and I will point out I am not a home owner. Yet  NE only applies if you sell a house. Also there\'s ppl self certifying on Mortgages to \"get on the Housing Ladder\" or Interest only Mortgages because they cannot afford a proper Mortgage. That last statement should be a warning, if you cannot afford a Mortgage and lets be honest, not many ppl can without a struggle, then surely somethings gone wrong?\r\nThe whole Housing Market should be regulated in some form. IE a minimum of a years ownership in all cases before a house is allowed to be sold. A \"uniform\" price structure, like car prices, where a certain car is the same price Nationwide. I know its not as simple as that but you get my idea a standardised price as a guidance perhaps. I dont but into the \"Supply and Demand \" aspect of price fluctuations, if that was truly the case prices would NEVER fall. In my view as there will always be a fundamental shortage of homes. - If ever there was a project for government to waste money on it would be to just keep building houses - on existing , redeveloped sites not just new build sites. And Im sick of seeing house programmes on the telly that, incidentally, about ooh, half a dozen ppl in the country can actually afford. Not a true representation of ordinary house buying but \"TV GLOSS\" designed to whip up unrealistic aspirations and expectations.\r\nI will add this is not sour grapes on my part for not owning a home. There was a comparison a few years ago in the press: Home ownership V Renting.... The outcome was if you rented you were about £60,000 pounds over a lifetime worse off  WOW.........','85b251fb19438d8605326472935da004',0,'','',1,0,'',0,0,0),(67,10,3,100,0,'*.*',1267116424,1,0,1,1,1,1,'','Re: if you buy a car with money from a loan company and not finance from garage can u get logbook loan?','yes they will check','d4816b6e0afe5256aa983933c1e1204e',0,'','',1,0,'',0,0,0),(68,9,4,101,0,'*.*',1267116427,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','What a crazy question.','3486e00d29247ad96e5f8250615dd660',0,'','',1,0,'',0,0,0),(69,2,3,102,0,'*.*',1267120739,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','You can get a SOLO card, but you will need to have a well managed account for at least 6 months, which involves no Unpaid and default fees and once you manage your account that way, you can arrange to apply for the debit card, and hopefully you will get sent one out. \r\n\r\nThey can still issue you a Cashcard which is equivalent to SOLO but not recognised in many retail outlets, but having said that you have to manage your account more efficiently to get the benefits and perks from your bank. Trust me i work withing Banking.','6a91fbd979c56e8cdadbf542d2549363',0,'','',1,0,'',0,0,0),(70,21,4,103,0,'*.*',1267122042,1,0,1,1,1,1,'','trying to buy house?','we have been renting a house for some years and have never missed any payments whatso ever. We are paying 850 pds per month.We used to own our house some years ago but sold it when my wife became ill we the dreaded c,we moved into the countryside and rented a house.\r\nWe didn\'t make much money on the house so funds were limited.\r\nSince then we have accumulated rather alot of debt and had alot of problems paying debts back due to redundancy and my wife not working.So our credit score is zero.\r\nWe feel that we can afford the same amount on a mortgage but obviously no one will lend us the money to buy our own property.\r\nAny ideas please?','d0aaf69b63e72f0dca7df0b8d9271aca',0,'','',1,0,'',0,0,0),(587,98,4,556,0,'*.*',1272577298,1,0,1,1,1,1,'','Re: Does my landlord has the right to ask me to move to other accommodation?','Well you both really never agreed on something till he told you too late. I think he has to give like a months notice. Like when you pay for next rent. The only way I see for you too move out on time is a moving company but the Landlord should have to pay as he didn\'t tell you early enough. Either that or he will have to give you time to move out by yourself.','c32a308d6d2a349e658e8789d87ab6d5',0,'','',1,0,'',0,0,0),(588,98,4,548,0,'*.*',1272585142,1,0,1,1,1,1,'','Re: Does my landlord has the right to ask me to move to other accommodation?','If you live in England/Wales then the landlord will not be able to make you leave the property (even if you have given notice) without a court order obtained under either section 8 or section 2 of the 1988 Housing Act.\r\n\r\nHOWEVER (and hopefully your landlord won\'t know about this) your landlord is entitled to charge you double rent evry day that you stay beyond your notice date. (Distress for Rent Act 1737 http://www.statutelaw.gov.uk/documents/1737/19/apgb/c19/18)\r\n\r\nWith regard to your mortgage advisor, I don\'t know the details of the contract you agreed with him, but if you are confident you are in the right then write to him giving him 14 days to pay or you\'ll go to court.  After 14 days go ti http://www.moneyclaim.gov.uk to claim','b3126bff7c3f3ccc12eda705dee50a19',0,'','',1,0,'',0,0,0),(72,9,4,105,0,'*.*',1267126310,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','WE BUY PRPERTY AS IS WHERE WE LIVE , WHAT A STUPID QUESTION!!! IF WE DONT BUY THEN WE WOULD NEED TO RENT!! DUMB ASS','51579fe241015b3d57de831643f9f2f3',0,'','',1,0,'',0,0,0),(73,9,4,106,0,'*.*',1267129082,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','For a long term investment.  The market is bad at the moment and house prices are falling so its not a bad time to purchase.','42342fb7928ed1df9d1db8947fc48052',0,'','',1,0,'',0,0,0),(589,98,4,557,0,'*.*',1272656135,1,0,1,1,1,1,'','Re: Does my landlord has the right to ask me to move to other accommodation?','Your landlord has every right to force you out - not only are you being unlawful and unprofessional, but also very selfish.  You gave your notice to the landlord and so he found someone else to rent his house, now just because your situation has changed you expect everyone else\'s to as well?  The fact that you have emails stating you don\'t know when you are able to move out has nothing to do with it, it\'s not the landlord\'s problem and it certainly isn\'t this lady\'s problem.\r\n\r\nHe didn\'t have to provide you with another house to live in, but he did so you should be grateful to him for that not trying to make it worse for him.  And legally from 1st May the other lady is the tenant of that house so you will have to move whether you like it or not.  The landlord was wrong to suggest a hotel - it\'s not as easy as that when you\'re moving and have loads of stuff with you.\r\n\r\nYou ask does he have the right to ask you to move out - he actually has the right to serve you with an eviction notice and use police to forcibly remove you.  These are your problems so stop making others suffer for them.','4a40bdc2dc7d3f88a7b4cd045b07e256',0,'','',1,0,'',0,0,0),(75,2,3,108,0,'*.*',1267136003,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','that\'s why you have bad credit - because you are always looking for a \"quick and easy\" fix. there are no quick and easy fixes.','1a07a44aba6ea7f7ec6af1408d5a2fd4',0,'','',1,0,'',0,0,0),(76,9,4,109,0,'*.*',1267136048,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','With all markets there are winners and losers.  Those people buying now don\'t think prices will fall by 25%.  So keep paying your rent.  In 25 years time, today\'s buyers will have stopped paying.','7ed98ca6e4ea15c8c9d09bc8126aca72',0,'','',1,0,'',0,0,0),(77,9,4,110,0,'*.*',1267143145,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','because the alternative is to rent and that is just money down the drain.  at least with a property you have bought you have something tangible at the end','3b56d0a60eb46a3a1a152127fa0e69b0',0,'','',1,0,'',0,0,0),(79,2,3,112,0,'*.*',1267148989,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','The bank is unwilling to take the risk of issuing a debit card to you.  In most cases that means your credit is not only bad but reeeeeeeealy bad.  So here is a quick fix.  Go to your parents.  There is no way no how that the bank is going to look at you and say oh here you go have a debit card now that you got some quik fix from some bloke on the internet.  \r\n\r\nNow here is a real fix.  Clean up your credit.  Yes I know that was not the one you wanted to hear.  However your going to be in this fix again so you may as well start now so you can do it your self later instead of falling back on family.  \r\n\r\nStep one.  Pay your bills.  Get a second job, what ever it takes.  Cut down on the visits to the pub.  Yes I know that was not your favorite one either.  But do what you must.  thats what grown up people do. look at your every expense and cut out every thing you can live without till you get out of the hole you dug your self into.  If you go at it long and hard you will become quite expert in handling your own money and disiplining your self to do what needs to be done and go with out when you must.  \r\n\r\nIf you do  this long enough it becomes a habit.  After a while you will have every one paid off.   But continue to live like it any way for a while.  Next thing you know, you will be looking at a savings account with actual money in it for the next big emergency in your life...yes you will have one.  So you  may as well get used to it and prepare for it now rather than later when you have bad credit and need a quick fix again.\r\n\r\nonce you have some savings.  ask the bank if you can borrow against it.  Sounds crazy right?  Do it any way.  borrow the money out and they will lock down your savings so you can\'t spend your colateral.  Pay it off in a month plus any interest.  The interest is a small price to pay.  Do this over and over a few times.  This is called churning.  It shows up on your credit report that you took out a loan and paid it off early.  After a while this shows up as a habit.  You have had several loans and you have paid them all off early.  Congrats. you now have a sweet credit report.  Now stop using your credit for anything unwise or with a high credit score you will just put  your sorry butt back in a sling like the one your in...except that with a good score they will let you have more money and that will mean you can dig your self into a deeper hole.  So if you do clean up your credit, don\'t screw it up again or you really will be shooting your self in the foot.\r\n\r\nI\'d hate to see you go to all that trouble to clean up your credit and then waste all that effort just screwing your self over again.  IF your not going to take responsibility for it, don\'t bother cleaning it up.  That way the bank will never loan you money and  you will have some limits on how much trouble you can get your self into.\r\n\r\nYou know you better than I do.  You decide.  I wont judge you harshly either way.  I can respect a man/woman who knows their limits.  I can also respect a man/woman who makes an effort to make a change and clean up.  I have little respect for some one who just sets them selves up for dissaster but have no trouble watching from the side lines and getting a good laugh while they do it.','3bde30b8439d6f43f0f576deb2aa8773',0,'','',1,0,'',0,0,0),(80,9,4,113,0,'*.*',1267148997,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','I needed somewhere to live and my mortgage was cheaper than the rents locally. Plus prices will go up again, they always do, the laws will not be put into force as speedily as you think and I already have super dooper walls, insulation etc. So even if I end up selling for what I paid, I wont be losing out,  same as with renting. Except with renting you are only ever on a six month lease at best, legally unless you live in a council house (ex council house).','010ac6ba39243371a91aad26fe3887c2',0,'','',1,0,'',0,0,0),(81,2,3,114,0,'*.*',1267149627,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','Capital one do one for bad payers.Its like you build up your credit score by not missing any payments.','883fbe237f8d172213602e00e93b3d4b',0,'','',1,0,'',0,0,0),(82,9,4,115,0,'*.*',1267149636,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','people preferr the security of ownership. but of corse with rising prices(i dissagree that they will fall that much, just the rate of increse will slow, or perhaps reverse slightly but NOT 25%, no chance) and with the inability for new buyers to afford to buy even the cheepest home, new schemes will be put in place. ones where government build and rent out vast swades of homes so they have a chance to build enough privately. so renting will go up, at least for a while in the next few years.','105ccd6e612b890712a9bc0a1b5a2549',0,'','',1,0,'',0,0,0),(83,9,4,116,0,'*.*',1267155072,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','Because they can afford it, and love flexing their money-muscles.','97f9b758fcb3d37bd2eaf60f176fece6',0,'','',1,0,'',0,0,0),(84,22,3,117,0,'*.*',1267155541,1,0,1,1,1,1,'','car on finance with previous owner, help?!!!?','bought a car a year ago from arnold clark, paid £10k cash. now trying to trade in with another garage and hpi check shows still on finance with previous owner! foned finance comp and they are awaiting a response from the person who the finance is in the name of ut cant remove the interest until sorted with their client and only then will they remove details which will allow us to trade the car in. trading standards/citz advise said their hands are tied and worst case scenario we pay the finance and try and claim back!! we obviously dont have that kinda of cash again since we saved for it! cant do anything and dont know what we can do, arnold clarkes managers are always out of the office and i cant get to speak to them. cany any1 please help? new garage we are buying car from say the car belongs to the finance comp and they could come and take our car away','fa6f12927ac22bd6cb6ec7aef92dfc32',0,'','',1,0,'',0,0,0),(85,2,3,118,0,'*.*',1267156418,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','join your local credit union, it weill be in the yellow pages, they help you to save/loans etc','43d2e9c878bf5bbb1ae351ee84476aca',0,'','',1,0,'',0,0,0),(86,9,4,119,0,'*.*',1267156428,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','People are still buy property in the UK for a number of reasons, one of which is to let property to people unable to buy their own house. The property market is not great at the moment but doesn\'t mean people should stop buying property!','2325a6f7cef0abc0360413704deaf335',0,'','',1,0,'',0,0,0),(87,2,3,120,0,'*.*',1267162400,1,0,1,1,1,1,'','Re: ive got badcredit and cant get a debit card anybody know of a quick solution?','WWW.SUREFIREFINANCE.CO.UK can help you get a debit card as long as your not bankrupt. Contact them on \r\n\r\ninfo@surefirefinance.co.uk','daa75bb115380f6bccb92e0f3d6ed45a',0,'','',1,0,'',0,0,0),(88,9,4,121,0,'*.*',1267163077,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','Sounds like buyers should be able to get a really great deal on a house now.  Most people stay in their houses for an average of 7 years (at least in the U.S.), so the price will stay steady or take an upturn by the time someone is looking to sell, even if the values keep dropping in the next two years.\r\n\r\nBased upon your comments, you don\'t seem to understand that for a fixed rate mortgage, you pay the same every  month for the length of the loan.  What the house value does after the closing does not affect the existing mortgage.  As time goes on, the amount of principle increases and the interest decreases, but the total payment stays exactly the same.  Eventually you own the house free and clear with no mortgage involved, and then you have what for most people is their biggest asset in their life. \r\n\r\nThe fact that you have to have insulated walls, etc. will also help keep your utility costs down, and adds to the value of the home.\r\n\r\nIt sounds like you are just against buying a home in general, which is fine.  There are others who would also prefer not to have the responsibility of home ownership.  To not understand why someone would feel differently than you, though, means that maybe you don\'t understand all of the details about it.  Maybe you could have someone who knows about mortgages or a financial advisor talk to you about how the numbers work out for your specific situation?\r\n\r\nGood luck renting or buying, whatever your decision may be!','075dbd4f3d46a27a061c61137371cb1f',0,'','',1,0,'',0,0,0),(89,10,3,122,0,'*.*',1267167001,1,0,1,1,1,1,'','Re: if you buy a car with money from a loan company and not finance from garage can u get logbook loan?','Don\'t get a logbook loan.... You will end up without a car and still owe money...And they will only loan you about 30% of the car (if you are lucky) but they will own the whole car...\r\n\r\nDON\'T DO IT...','88e0a6b7ae3d2c0719e1d22a60a38729',0,'','',1,0,'',0,0,0),(90,23,3,123,0,'*.*',1267167785,1,0,1,1,1,1,'','what can i do bout a car tax fine.bought car from niece didnt realise didnt recieve reg documents till tax due?','its back dated in my name &sorned but they are fining her 4 not notifiying them of change of owner &gap in car tax thou its my fault for not realising they hadnt sent doccs.she is away at uni her dad opened the letter help please x','0670a4d3469691f8678bae9299647655',0,'','',1,0,'',0,0,0),(91,9,4,124,0,'*.*',1267167793,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','You could rent and put the rest of your money in shares, or buy and pay mortgage. In some places you would be better off with rent and shares.\r\nHouse prices (where I am) in Scotland have not gone down in the last year, in fact they have gone up. So not ALL of the UK has gone down.\r\nIf you are trying  to buy your first property in England, for the next little while, is a good time to do so.','76a7611292345010008176b547f1a477',0,'','',1,0,'',0,0,0),(92,24,3,125,0,'*.*',1267173648,1,0,1,1,1,1,'','Apart from cars, what types of items can be traded between countries for profit? import/export?','One idea I\'ve read about in the past is to buy cars in Europe and import them into the UK to sell for a profit. By trading on the fact that cars in Europe are cheaper than in the UK. But because of the problem of left-hand vs right-hand drive this was not something I went into.\r\n\r\nNow I wonder whether this type of trade could be done in reverse, buying things in the UK and selling in Europe? The pound has recently got 30% weaker than the Euro, so there is 30% profit already built in. Also the credit crunch makes things cheaper and easier to buy in the UK.\r\nSo all I need is a commodity. What type of things could I buy in the UK and sell overseas - I neeed some ideas please. Probably something of high value - over £2000','aa440a7dad353a585b5b3fe781c82f97',0,'','',1,0,'',0,0,0),(93,9,4,126,0,'*.*',1267173656,1,0,1,1,1,1,'','Re: Why do some people still buy property in the UK ?','You need a decent mortgage!!','21ae3b2c73565794fd8b24a6ed4355b9',0,'','',1,0,'',0,0,0),(94,25,3,127,0,'*.*',1267176079,1,0,1,1,1,1,'','Duty tax on cars being brought into Ireland?','Can someone please tell me the laws on how you can buy cars abroad and bring it back without duty legally?\r\n\r\nAny links would be good, thanks','a8c1b147342c51ac8ab81619b711572e',0,'','',1,0,'',0,0,0),(95,26,4,128,0,'*.*',1267179487,1,0,1,1,1,1,'','what do you call someone who buys houses renovate it and sell it at a profit?','what do you call someone who buys houses renovate it and sell it at a profit?','d57cc08184a9a4e900d8f3aface4f2a0',0,'','',1,0,'',0,0,0),(96,10,3,129,0,'*.*',1267180569,1,0,1,1,1,1,'','Re: if you buy a car with money from a loan company and not finance from garage can u get logbook loan?','Only if the car is logged as security for the loan, if the loan is just a loan from a bank, it will not be referenced to your vehicle.\r\nBut I\'d avoid logbook loans if you can. They are notoriously effective at cashing in on unsuspecting people and have very harsh rules if you miss any payments.','77ec5dc4359f8f7aa4b110547ce8f121',0,'','',1,0,'',0,0,0),(97,27,4,130,0,'*.*',1267180577,1,0,1,1,1,1,'','credit crunch? Is anyone benefitting?','personally I have just bought a Flat considerably cheaper than what i would of paid a year ago. Also its so much easier buying house at least these days you have the time to make the best decision, without lots of competition from other offers.','e8b40470dc6f128baf10f950f9434990',0,'','',1,0,'',0,0,0),(98,10,3,131,0,'*.*',1267186714,1,0,1,1,1,1,'','Re: if you buy a car with money from a loan company and not finance from garage can u get logbook loan?','log book loan?\r\n\r\nif you bought the car in your name but with some one elses loan company in their name\r\n\r\nyou should have a log book for the car when it was bought and in your name\r\n\r\nyou can\'t by law by a car with out the log book \r\nand it\'s down to you the name and address you register the car in finance or no finance that\'s the law\r\n\r\nso you can\'t oan a log book out either','ff7fbd4cdc61f7cae6d9d5bd7415f6f9',0,'','',1,0,'',0,0,0),(99,28,4,132,0,'*.*',1267186725,1,0,1,1,1,1,'','is right time to buy house?','hi i looking to buy house is it right tme to buy house','167f913ec638723f2da9fb1f97c6640e',0,'','',1,0,'',0,0,0),(597,0,4,566,0,'*.*',1274328519,1,0,1,1,1,1,'','','Google mortgage calculator. You can enter different numbers as far as down payment, interest rate, etc and get a more personalized estimate of what your monthly payment will be.\r\n\r\nIf you go FHA or VA you only need 3.5% down not 10%.\r\n\r\nAlso, depends on if you do a 5 year arm where you can get a rate of 3.5% or a 30 year fixed which is still a great rate but probably just slightly under 5%. Check out loanhomeonline.com/findamortage, that helped me with my financing.','7fb768c3db1580662fd37dd69dc7ef0b',0,'','',1,0,'',0,0,0),(101,26,4,134,0,'*.*',1267187980,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','a jammy twat','2945f13d4370d78a7ee5b8c8408d85a4',0,'','',1,0,'',0,0,0),(102,29,4,135,0,'*.*',1267189249,1,0,1,1,1,1,'','Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','why is this in your opinion??\r\n\r\nsurely people would have realized that the time to buy houses and land would be later after home prices came down after the housing collapse , which was scientifically destined to happen.\r\n\r\nso why didnt they?\r\n\r\nwhy were people who should or maybe did know better do this?\r\n\r\nand who are buying homes now?\r\n\r\nwhy so for all this in your explanation??\r\n\r\nThanks for your answers!\nand how difficult willl it be to sell one in the near future, in your opinion?\r\n\r\nwhy so?','e623b7d4842838cca9970f363c10fd5d',0,'','',1,0,'',0,0,0),(600,103,3,569,0,'*.*',1275530271,1,0,1,1,1,1,'','why are Freemasons investigating Abp Paul Baker of Jesus of Nazareth Church?','the Freemasons have decided to investigate Abp Paul Baker. Presumably because they found out that he has a history of borrowing huge sums of money from parishioners and businessmen locally and then never paying it back, despite buying cars, holidays and a boat with it.  Also, lying to his wife for eight years while he virtually lives with another woman that he gets engaged to and plans to marry. This only finished when the woman ended it.   Can you think of any other reason the Freemasons would be investigating him?','a33d3d773a4f24e55d6ec88edaea3e76',0,'','',1,0,'',0,0,0),(104,26,4,137,0,'*.*',1267194067,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','property developer','e0816f177416d1779853de8a5e9108a3',0,'','',1,0,'',0,0,0),(105,26,4,138,0,'*.*',1267196028,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','contractors','afd5c0fd2ee43e4ecee8159c7a7c63e4',0,'','',1,0,'',0,0,0),(106,30,3,139,0,'*.*',1267200941,1,0,1,1,1,1,'','I have lots of auto loans due to my fascination on cars. Now I can\'t pay them all..?','I am a car addict. I really love to buy cars and right now, I lost the main source of my income and there are still 2 cars that are unpaid. The bank called and told me that if I am not going to pay, I might end up loosing this two cars. I don\'t really want that one to happen. I need your suggestions on how will I go about this one. Thanks..','28ce35f494fbf21ad55ccfe024e932f4',0,'','',1,0,'',0,0,0),(596,0,4,565,0,'*.*',1274328223,1,0,1,1,1,1,'','','$175,000 Purchase Price\r\n10% down = $17,500\r\n-----------------------\r\n$157,500 Mortgage\r\n4.375% / 4.548% APR \r\n\r\nPrincipal and interest: $786.37\r\nEstimated Insurance $45\r\nEstimated Taxes $185\r\nMortgage Insurance $81\r\n__________________________\r\nMonthly $1097.37\r\n\r\nBased on 30 year fixed rate as of 5/18/2010, 740 credit score, primary residence, detached single family residence: this is not an offer to lend, just an answer to the question.\r\n\r\nPs, you don\'t need 10%, you can do an FHA loan with 3.5% down.','639495e781f4ab21173d35219d11ae7b',0,'','',1,0,'',0,0,0),(108,31,4,141,0,'*.*',1267202641,1,0,1,1,1,1,'','what can i do if my receintly bought house has a severe damp problem not picked up during the presale survey?','the surveyors denied responsibility, what can i do?','ac84b7b05edd830d315598e07222d9af',0,'','',1,0,'',0,0,0),(109,32,4,132,0,'*.*',1267205483,1,0,1,1,1,1,'','buy house in uk is correct  time?','i am looking for house to buy. is it correct time to buy.bez of cridit crunch?','98447e82399ac3e15890085a99f51784',0,'','',1,0,'',0,0,0),(111,33,3,143,0,'*.*',1267209526,1,0,1,1,1,1,'','Documents needed to buy Car Tax Disc Online?','I plan to tax my car online for the first time in February. The reminder note says the only details which I need are my Debit Card number. Does this mean\r\n1) That they\'ll check my MOT and Insurance details online? (How else could they if they\'re not getting details from me?)\r\n2) Will I have to print off my Tax Disc on my PCs printer?\r\nMany Thanks from\r\nThe Mac','52a3046433f5a6813953a422e7a67333',0,'','',1,0,'',0,0,0),(112,34,4,144,0,'*.*',1267209535,1,0,1,1,1,1,'','Workers away from home.........?','Flight attendants, Pilots, etc..\r\n\r\nHow do you live?, meaning.. do you rent or buy houses/flats because im started a job as a flight attendant this year and will be buying/renting soon after, what is the best way because i will be away from home most days..\r\n\r\nx','9cf91a4fe8c6166db1641c92558c8f4d',0,'','',1,0,'',0,0,0),(113,26,4,145,0,'*.*',1267211388,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','A businessman/woman.','8e80bbeb456e4f4c05b1120ff23ab613',0,'','',1,0,'',0,0,0),(114,25,3,146,0,'*.*',1267215235,1,0,1,1,1,1,'','Re: Duty tax on cars being brought into Ireland?','The answer is,You cant. Except if you have owned the car for 6 months or more and moving to Ireland to which you have to have proof of residency abroad. Or buy a van to which is 50 euros to change over. The VRT is a con.','12d447d9c979a82b8fc4b37c9a82a6d3',0,'','',1,0,'',0,0,0),(115,27,4,147,0,'*.*',1267215246,1,0,1,1,1,1,'','Re: credit crunch? Is anyone benefitting?','My mate at work *(trader) has made £2.2m for himself this month\r\n\r\nso yes, some upside for some','ca74909cd1b9df62bddf05f00af6c7a3',0,'','',1,0,'',0,0,0),(116,26,4,148,0,'*.*',1267219545,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','house flippers','df8a84d84bd67f0e70e804b987aa7c42',0,'','',1,0,'',0,0,0),(117,35,3,149,0,'*.*',1267221565,1,0,1,1,1,1,'','Do yahoo have international dealings for people buying cars? If yes, what is the procedure? Please let me know?','Do yahoo have international dealings for people buying cars? If yes, what is the procedure? Please let me know?','66db24bd4ca4b6a5421bb679c2b5c93b',0,'','',1,0,'',0,0,0),(599,102,3,568,0,'*.*',1275522290,1,0,1,1,1,1,'','Re: does any one knows how much roughly motor traders insurance cost ?','No-one has answered this because it\'s a bit like asking \"how long\'s a piece of string\"! We don\'t know the answer because there are too many factors to take into account! \r\nWhat class of vehicles do you buy? Are you a licensed trader? Where are they stored? Are they garaged at night? Who will be driving the vehicles? What sort of cover do you want? What is the postcode of the storage unit? What is your postcode? What is your driving history? How long have you held a licence? What age are you?\r\nAll these things help an insurer to assess the risk - without these details no-one has any idea of what you will pay.','bb7f94bb467902100cf2d75fdb689e6e',0,'','',1,0,'',0,0,0),(119,36,4,151,0,'*.*',1267223410,1,0,1,1,1,1,'','Is now a good time to buy houses in the UK?','Everyone saying it\'s not but surely it should be if the interest rate is low?','e2d95ea86ed1bd1cf7d6c57858f54336',0,'','',1,0,'',0,0,0),(120,37,4,152,0,'*.*',1267227783,1,0,1,1,1,1,'','who is is fed up of hearing about getting on the housing ladder?','so im 23 years old, female...have a fantastic job...not really got much credit so at the moment i am financially comfortable...anyway all my family are now telling me to look at buying a house...my friends are buying houses...and apparantly its the next step. Is anyone else fed up of the whole hype of buying a house, getting on the property ladder, having to pay £600 a month to own your own house for the best part of your life! i dont think so! \r\nMy mum says its worth it becuase when i have kids then they can have the house when i die and that its an investment! \r\nwell she never got a house for me and i dont care, ive worked for everything myself and would like my children to do the same! \r\nArrrggg rant over...i would prefer younger people to answer this that do not currently own a house...','65b25eb740c8c7b100cb000802de7121',0,'','',1,0,'',0,0,0),(121,23,3,153,0,'*.*',1267229336,1,0,1,1,1,1,'','Re: what can i do bout a car tax fine.bought car from niece didnt realise didnt recieve reg documents till tax due?','There is no assist we can give .\r\n\r\nIt simply MUST be paid.\r\n\r\nIf not then your Niece will be summoned to the criminal courts and will face charges for refusing to pay a lawfully imposed fine as well as having a further fine imposed on her.  This will have a huge impact on her future.  It will be detrimental to her future employment (she will have a criminal record) and may be detrimental for foreign travel as well as earning her penalty points on her licence.\r\n\r\nThere is no out for her.  If you wish and are in a financial position to do so you can pay this fine for her, otherwise she MUST pay it herself.\r\n\r\nYour Niece was old enough to own and drive a car then one must also state that she was old enough to understand the straight forward instructions on a V5.   Let us not forget that she has enough intellectual capacity to have been accepted on a university course therefore one cannot state that she could not understand the instructions on the back of the V5 when selling or parting with her vehicle.','bd482d9c2d3cb72042f8c75983e10804',0,'','',1,0,'',0,0,0),(122,30,3,154,0,'*.*',1267231707,1,0,1,1,1,1,'','Re: I have lots of auto loans due to my fascination on cars. Now I can\'t pay them all..?','The best option would be to sell the cars you have financed, or some other cars which are paid off so that you can pay off your auto loans in full.  It is better to get rid of the cars yourself than for the bank to take them away.  When you get back on your feet; then you can replace them.','57c25911a9d07ab2989eaaccbd6f0522',0,'','',1,0,'',0,0,0),(123,38,4,155,0,'*.*',1267234774,1,0,1,1,1,1,'','Why do estate agents ask if you are buying house for staying or investment?','Why do estate agents ask if you are buying house for staying or investment?','f9be6b18b387e363ecc9b3626d3fc1f8',0,'','',1,0,'',0,0,0),(124,39,3,156,0,'*.*',1267239287,1,0,1,1,1,1,'','My credit card was charged without my consent - what action should I take?','I recently bought car insurance over the telephone.  The sales adviser quoted a price to me, which I accepted, and I then provided my credit card details.\r\n\r\nWhen I received the documents in the post a few days later, I noticed that I had been charged £35 extra for their roadside assistance service, which I did not want, was not offered and did not authorise!  I telephoned the insurance company, who agreed to refund the money, as it was within the 14 day \'cooling off period\'.\r\n\r\nI am really unhappy as it is irrelevant that it was within the cooling off period as I never gave my consent for it in the first place!!  When I said that I was concerned that my card had been charged without my authorisation, the company told me to raise this issue with my bank.  When I pointed out that it was not my bank who had made the error but themselves, the person I spoke to said they would listen to the conversation I had with the sales adviser and let me know whether I had agreed to this extra charge.\r\n\r\nThe company never called me back and I want to write a letter of complaint.  Can anyone advise me on this?  I think the company has acted illegally, but I\'m not sure.\r\n\r\nThanks!!\nThanks, Liz, but the charge itself is not in dispute as the insurance company have agreed to refund me.  It\'s just that I am concerned that they have charged my credit card without my permission and I wondered if this was against the law... (I suspect that it is!!!)\nI know I might sound overly tetchy, but what didn\'t help was being put on hold for almost an hour on a premium rate telephone line to sort something out that wasn\'t my fault!  This company\'s customer service was really bad, so I do want to complain.  Sorry if that makes me sound like a miserable git, but I am pretty annoyed!','32fe842ada8d22bcf4da1152315e1c83',0,'','',1,0,'',0,0,0),(125,39,3,157,0,'*.*',1267240281,1,0,1,1,1,1,'','Re: My credit card was charged without my consent - what action should I take?','Call the credit card company and dispute the charge.','190a788d063006c8cbef1f8eeee35eac',0,'','',1,0,'',0,0,0),(126,26,4,158,0,'*.*',1267240291,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','It is called Flipping properties.','0bead37d932eb379018e7d0e558451dd',0,'','',1,0,'',0,0,0),(128,40,3,160,0,'*.*',1267245624,1,0,1,1,1,1,'','I\'m thinking of starting a small business, buying & selling cars. Where can you buy cars at discounted prices?','I\'m thinking of starting a small business, buying & selling cars. Where can you buy cars at discounted prices?','798ee0f24b62ddf9e5d498cb5f6f8cb6',0,'','',1,0,'',0,0,0),(129,26,4,161,0,'*.*',1267245634,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','a builder mate','11b557cce92825725237ea1830382e09',0,'','',1,0,'',0,0,0),(130,26,4,162,0,'*.*',1267246101,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','A property developer.','960d78359252cd84cd7c236d0117f959',0,'','',1,0,'',0,0,0),(131,22,3,163,0,'*.*',1267248269,1,0,1,1,1,1,'','Re: car on finance with previous owner, help?!!!?','the new garage is correct\r\nif there is finance outstanding on the car , it can and most likely will be repossessed','17aecad9266d70f95c434f2aa992995a',0,'','',1,0,'',0,0,0),(132,41,4,164,0,'*.*',1267251646,1,0,1,1,1,1,'','I\'m thinking of buying house in Bristol, any areas I should avoid?','I\'m thinking of buying house in Bristol, any areas I should avoid?','c435fd7743b0c91c173889faad7d422b',0,'','',1,0,'',0,0,0),(133,42,3,165,0,'*.*',1267254975,1,0,1,1,1,1,'','Who can I contact about incorrectly supplied parts where I have been charged for labour?','I bought car parts online which were incorrect, I only found this out after I had taken the car to a local garage and they had taken my old drive shafts/cv\'s out, so they had to put the old ones back in, this cost me £80 for nothing because I was supplied the wrong parts, is there any way I can try and claim for compensation from the company that supplied me the parts?\nI bought car parts online which were incorrect, I only found this out after I had taken the car to a local garage and they had taken my old drive shafts/cv\'s out, so they had to put the old ones back in, this cost me £80 for nothing because I was supplied the wrong parts, is there any way I can try and claim for compensation from the company that supplied me the parts? Based on the first answer, I\'ll just add that I didn\'t select the parts, I sent them the car details, and they selected the parts that they said were correct, they have refused to re-imburse me the labour costs.','213a5522943c8ad71d1b86afc9caedfd',0,'','',1,0,'',0,0,0),(134,33,3,166,0,'*.*',1267258693,1,0,1,1,1,1,'','Re: Documents needed to buy Car Tax Disc Online?','They will check your MOT and Insurance online by accessing the relevant databases. They will send your new tax disc in the post.','8581829f2ae533300fac0d4be5d6f40d',0,'','',1,0,'',0,0,0),(135,43,4,167,0,'*.*',1267258857,1,0,1,1,1,1,'','name not on mortgage or deeds uk... pls help?','Hi there, Me and my partner bought house 3 years ago and as I wasn\'tt 18 yet my namecouldn\'tt be placed on mortgage etc.. we bought house together.. I have paid alot more than him, (hes been out of work several time, presently 8 mths) My name is on everything else,, rates, electric etc I pay everything obviously because hes not working but even when he was I probably did pay more,, Now we have a 1 year old daughter and are having a rough patch, I was just hoping someone could give me any ideas what rights i have, as my name is on everything else, plus i can get bank statement proving that on the same day every month i lifted cash and put it into his acc for the mortgage coming out. do i have rights as a common law partner and mother of his child if we were to sell up..','9931e17b47739f2c5a5ba5dbe295b44f',0,'','',1,0,'',0,0,0),(136,44,3,168,0,'*.*',1267261791,1,0,1,1,1,1,'','Daughter and boyfriend want to buy car on finance/loan from me?','How can I get through to them they cant afford it.He works but not secure. She is going to uni in sept and has part time job.(will get bursary) They live together in rented flat.  She has a car that was bought for her.  Why cant they see sense.  If we dont loan her the money then they will  do it on finance. She is 19, he is 21','1ae25243bd1ca67828704718ec8973f3',0,'','',1,0,'',0,0,0),(137,45,4,169,0,'*.*',1267264469,1,0,1,1,1,1,'','according to the bbc programme \'buying houses on the cheap\' why isn\'t the present housing stock being used?','why, with all those empty houses(approx. 900,000) and absentee landlords can\'t the councils just auction them off then it wouldn\'t be necessary to build nearly 1.6 million new homes.\nin the case of absentee landlords I think it is perfectly logical to auction off the property after a period of, say 3 years, because so many families are on council waiting lists and waiting in sub-standard housing.','75e37616d65ad17629bc30b5f72d1955',0,'','',1,0,'',0,0,0),(601,104,4,570,0,'*.*',1275657603,1,0,1,1,1,1,'','why do I get penalised for saving?','Why do I get penalised for saving, with artificially low interest rates. And people who buy house (who can\'t afford it) are supported by the government by slashing their Capital gains tax. Since when did owning a house become a human right?','ce91064f08bd01896a1d1630c7bd5444',0,'','',1,0,'',0,0,0),(139,26,4,171,0,'*.*',1267264945,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','buyer and seller','8a9f56df6cf05892b340d178d7c630c9',0,'','',1,0,'',0,0,0),(602,104,4,571,0,'*.*',1275668790,1,0,1,1,1,1,'','Re: why do I get penalised for saving?','Think of money as a multiplier, with each spend, it generates more tax, which goes into the government pot, which is then spent on dept, public services etc. When interest rates are low, this allows for businesses to take out loans to expand and employ new people, which creates more spend.\r\n\r\nBasically, you aren\'t being penalized, it\'s just that in this moment in the economy, we need more spend, and the only way to do this is to lower tax and hope people do spend more. \r\n\r\nHope that makes sense!','26902d805eaf0390c1e8e59e0d66f87d',0,'','',1,0,'',0,0,0),(142,26,4,173,0,'*.*',1267271329,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','a renovator seller','1cf3dc1ebaff9ea4140b9677689290f1',0,'','',1,0,'',0,0,0),(143,39,3,174,0,'*.*',1267275174,1,0,1,1,1,1,'','Re: My credit card was charged without my consent - what action should I take?','Yes, its against the law for them to charge your card for more than the amount you agreed to. But since they readily refunded your money you won\'t get any where by suing them.\r\n\r\nHere\'s the action I would take:\r\n\r\nStep 1. Contact the insurance commissioner in your area and file a complaint. They won\'t do anything to the company except that it will hurt their reputation if other people make similar complaints.\r\n\r\nStep 2: Find another insurance company and transfer your coverage.  Let this company know that you aren\'t going to continue to do business with a company that would trick its customers into paying extra for services they didn\'t ask for. The best way a consumer can defend against unfair businesses is to simply avoid doing business with them.','7dfebdedc45f4495fb60d29e59487e06',0,'','',1,0,'',0,0,0),(144,26,4,175,0,'*.*',1267278500,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','a Flipper, they would prefer to be called a developer or gentrifier. Most people would call them Assholes for driving up the price of properties but nowadays you could just call them BROKE!! hahaha','75e67fed1463e4a9c4aca430d113e009',0,'','',1,0,'',0,0,0),(145,40,3,176,0,'*.*',1267281922,1,0,1,1,1,1,'','Re: I\'m thinking of starting a small business, buying & selling cars. Where can you buy cars at discounted prices?','In most states you have to get a dealers license.  After you get one there are dealer auctions that sell vehicles to dealers only.','bd2a8b7e16d125d041a24be75f684cef',0,'','',1,0,'',0,0,0),(146,26,4,177,0,'*.*',1267283153,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','Smart and rare in the present climate.','1a8768e16f65a1ce09eda323e378ffe4',0,'','',1,0,'',0,0,0),(147,26,4,178,0,'*.*',1267284619,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','I don\'t think many people would buy a house and then work hard to restore it form a low standard to a more reasonable standard, and then when they sold it would not expect to receive pay for it.\r\nRestoration has done 2 things, it\'s put another house onto the market and it\'s prevented the house from falling into permanent decay.\r\nI think you are questioning the level of profit made, I could ask you the same thing when ever you buy a lottery ticket or have a gamble, after all your winnings were other people\'s money.','8041923f2a2af3b906772ba850d8b49a',0,'','',1,0,'',0,0,0),(148,46,3,179,0,'*.*',1267288177,1,0,1,1,1,1,'','£50 Post Office Insurance cashback - how long does it take?','Hi, I bought car insurance from the PO with the promise of £50 cashback. Anybody know how long it takes to get this? Thanks!','8805b840468dfe08d6e4f3a6d403f142',0,'','',1,0,'',0,0,0),(149,47,4,180,0,'*.*',1267288185,1,0,1,1,1,1,'','good time to buy houses?','just thinking that the house price is falling at the moment. would it be a good time to buy if i pay cash? i have no debts or credit cards.','8b29ca9675c673aa2fca4cc44a7ae553',0,'','',1,0,'',0,0,0),(150,48,4,181,0,'*.*',1267289050,1,0,1,1,1,1,'','Are being actually buying houses in the UK at the moment? Want sell mine but wondering how long it\'ll take','Its a one bed in a up and coming area in london.','e757c472d6f1a5afe204178b7d900bd4',0,'','',1,0,'',0,0,0),(151,39,3,182,0,'*.*',1267290849,1,0,1,1,1,1,'','Re: My credit card was charged without my consent - what action should I take?','I understand your annoyance. It is possible (although unlikely) that the insurance company operative made a genuine mistake. They would argue that anyway. You could make a complaint to the credit card company if it makes you feel better, but they will not be interested as the \'mistake\' has been rectified and you have been refunded. The only way you will win is by moving your insurance next year. Anything else is just hassle for you.','ba071ea0cfeb883fc525d44988c2e68b',0,'','',1,0,'',0,0,0),(152,15,4,183,0,'*.*',1267290858,1,0,1,1,1,1,'','Re: NINJA loans and the Credit Crunch - Whos got the cash?','Well it was shared all round  the market.    A lot of the money would have been invested  but the values  have all dropped  so most will have lost out ... Its a case of lots more losers  and very few winners.   The money is not worth as much as it was,  and will get worse.  It is the result of American Banking greed and incompetence.','356f8e9af6f1c5c4dae799bd679968fb',0,'','',1,0,'',0,0,0),(154,22,3,185,0,'*.*',1267295050,1,0,1,1,1,1,'','Re: car on finance with previous owner, help?!!!?','Hi\r\n You do have re-dress back to the garage that you brought it from as they will be libel as they advertised the car for sale and should have cleared the outstanding debt before selling on to a new customer . \r\n\r\nI do have first hand knowledge of this because even though i am in the motor trade i got caught just the same as you have been . I suggest you go back to where you brought the car from and see what they have to say make sure you have all your bills of sale and do not let the seller to you have the originals they will try that ok .\r\n\r\nMail me if you need more advice','7bee5f2422c7db6e468335e02e9679ef',0,'','',1,0,'',0,0,0),(155,49,4,186,0,'*.*',1267297110,1,0,1,1,1,1,'','Is buying house in Houghton Regis a good idea?','Hi everyone\r\nIm looking for house in Dunstable, as I think its lovely area. But today I saw lovely house in Houghton Regis and absolutely fell in love with it. Tha problem is, everyone is saying, that its not very good area, Houghton Regis, lots of council estates and crime. Can anyone, who lives, there tell me their experience and something more about the area?\r\nMany thanks\r\nHelena','4065dfba3e10dd558ede94fa529c7d60',0,'','',1,0,'',0,0,0),(156,45,4,187,0,'*.*',1267299110,1,0,1,1,1,1,'','Re: according to the bbc programme \'buying houses on the cheap\' why isn\'t the present housing stock being used?','much of the housing problem is down to the councils, because they have systemically left them empty, refusing to keep them in good order, that they could be used for families and people in desperate need. Having seen our local council do this over years and years, and the property that could have been utilised is nothing short of criminal. \r\nIts not always private landlords at fault.','de5ed53d251df40971d59591d223e0e1',0,'','',1,0,'',0,0,0),(157,12,3,188,0,'*.*',1267300949,1,0,1,1,1,1,'','Re: If i started buying cars in uk and selling in ireland legit,what dealer charges would i pay?','Cars are even more expensive in Ireland than the UK .. that\'s why Irish Contractors who come over to UK, buy a car here & drive it back and then sell it (after, I believe, 3 years) & still make a profit ... whilst UK people go to Holland to buy their cars ...\r\n\r\nIf you do it as a business, buying (over taxed) cars in UK, you will end up paying Irish Taxes on top and your end prices will be the even higher than existing Irish Car Sales ...','df040a343106a776d5354cb4ea0cb847',0,'','',1,0,'',0,0,0),(159,17,4,190,0,'*.*',1267303174,1,0,1,1,1,1,'','Re: How does HIPS put back the buying house reform in england and wales?','there was an article in a newspaper giving such information a few weeks ago sadly I cannot recall which one or whom by.\r\n I suggest  dropping in to a friendly estate agent on a quite period  for a chat etc.\r\n  the \'reform\' wa s originally to try and stop gazumping and have everthing in place for a speedy sale and  hassle free exchange etc.\r\n sadly it  is almost worthless as it i only valid for a short while and many householders are  now ignoring it altogether.\r\n  It is  seen as a way for  legal experts etc to  earn funds form householders  rather than being an aid to selling. your research may benefit form advise form  such organisations involved in this field.','e2ebb4160c4d89a0143aa6c754915255',0,'','',1,0,'',0,0,0),(160,50,4,191,0,'*.*',1267306572,1,0,1,1,1,1,'','A question about property make over shows?','If the dark clouds are the credit crunch, is the siver lining fewer brainless tv home makeover shows with smug presenters?\r\n\r\nSeriously, how many of you think these property shows have encouraged too many people to ge ideas above their stations & buy houses which they could not afford.','c88c159d7483ce8b751b799596a87e83',0,'','',1,0,'',0,0,0),(162,51,3,193,0,'*.*',1267310897,1,0,1,1,1,1,'','4yrs ago bought car £4500 stll payinging same insurace premium?','all though car only worth now £1000 should i be paying less insurance due too depreciation','574d22cbfb46c3873623e729e6be320f',0,'','',1,0,'',0,0,0),(163,48,4,194,0,'*.*',1267312553,1,0,1,1,1,1,'','Re: Are being actually buying houses in the UK at the moment? Want sell mine but wondering how long it\'ll take','People are buying houses but a lot who want to buy either have probelms getting a mortgage or cannot afford higher rates. So demand is being restricted by the amount/cost of credit available\r\n\r\nPrice it sensibly, be prepared to negotiate, present it in the best way possible and you may get a decent price. A lot depends on the area. If it\'s a good property, priced well, it could sell quickly otherwise you might be in for quite a long wait. If you can hang on then it may be sensible to do so just now.','e36049976d4d4f2a44855c7b3c140490',0,'','',1,0,'',0,0,0),(164,26,4,189,0,'*.*',1267313787,1,0,1,1,1,1,'','Re: what do you call someone who buys houses renovate it and sell it at a profit?','A Property Developer.','0790e228e85fae7a07e68286ae39b99b',0,'','',1,0,'',0,0,0),(165,52,3,195,0,'*.*',1267317592,1,0,1,1,1,1,'','if the media stopped moaning about recession?','If everyone stopped hoarding their money and bought cars,houses ect,would that not release billions into the market?\r\nIf we all turned off the news and went about our lives oblivious to some (so called) recession,there would be more money around, banks  would be happy ,media be happy,people would be happy.?\r\nIf 100 years ago there was a recession ,no one would know about it and would carry on regardless and keep spending?\r\nSo, shall i buy a new car or hang on like the media says?\r\nIf i do, i`ll probably save a job or 2 !!','92cb31d4640e268dd9468cf22a7af94c',0,'','',1,0,'',0,0,0),(166,53,3,123,0,'*.*',1267320368,1,0,1,1,1,1,'','car tax &continuous registration i bought car from niece ,we didnt realise that  dvla hadnt got change of  reg?','didnt occur to us to check.now dvla r fining her even thou i have had registration back dated in  my name what can i do ?please help','0ee892e520dd2489ee0120b89e1d1923',0,'','',1,0,'',0,0,0),(167,45,4,196,0,'*.*',1267320376,1,0,1,1,1,1,'','Re: according to the bbc programme \'buying houses on the cheap\' why isn\'t the present housing stock being used?','Unfortunately you can\'t flog what isn\'t yours. It would need the laborious process of compulsory purchase, and frankly the councils don\'t have the money. I agree, it is sad to see so many unused properties lying around.','cbdee7f9eb54baea2972b86b30226a70',0,'','',1,0,'',0,0,0),(168,54,3,197,0,'*.*',1267324564,1,0,1,1,1,1,'','What tax rating disc will yours be. If you bought in 2001?','The government say poorer families will buy cars with low LED shows they don\'t live in the real world. The poorer people buy the cheapest second hand cars. And it is unfair to change the tax after someone has already bought a car. If they want to do it it should only be done on new cars sold now. Or we won\'t buy anything in case they tax it after you have just purchased it.','ab384fa6dd208f02593b3cdab4c7f550',0,'','',1,0,'',0,0,0),(170,41,4,199,0,'*.*',1267329484,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','Bristol.','9f8f3329493747527cc142e98a060139',0,'','',1,0,'',0,0,0),(171,39,3,76,0,'*.*',1267335725,1,0,1,1,1,1,'','Re: My credit card was charged without my consent - what action should I take?','they are always doing this...at least you had the sense to check','23771ef45444150bb84ebe0694f06fac',0,'','',1,0,'',0,0,0),(172,19,4,200,0,'*.*',1267335734,1,0,1,1,1,1,'','Re: Buying house in the USA!?','That is about 400k US?   No, you can buy a cheap apartment, you are not even close to \"nice\".','2abdae98e7f01754ee0f707eedc14792',0,'','',1,0,'',0,0,0),(173,39,3,201,0,'*.*',1267337114,1,0,1,1,1,1,'','Re: My credit card was charged without my consent - what action should I take?','There is not alot you can really do except make an official complaint and demand your money back.\r\n\r\nI would still make a complaint though - in writing.  They have said they will refund you, but as you have not received confirmation of that in writing or even got a response when they said they would look into it, i would make sure to send this by recorded delivery so they can\'t say they never received the letter.\r\n\r\nIf they do not resond to your complaint, then i would contact Trading Standards, but until you have gone through the complaint procedure, they probably won\'t be able to do anything.','5e61df80fbe904c6b93041120ab1a0b3',0,'','',1,0,'',0,0,0),(174,55,4,202,0,'*.*',1267337123,1,0,1,1,1,1,'','do you think its a good idea for the uk gov to encourage people to buy houses the cant afford?','by dropping stamp duty on \"cheap\" houses, how will this help most people i know who have bought house are struggling to pay for them, not because of stamp duty but because the are paying to much for the house, what is this British obsession with buying a house you cant afford?','712a43cdcefc5f28b971ba3c53d3e7bb',0,'','',1,0,'',0,0,0),(604,104,4,572,0,'*.*',1275681887,1,0,1,1,1,1,'','Re: why do I get penalised for saving?','I have met similiar problem before, here list of sites  http://webfin.notlong.com/8AAG7jB','bf45f8396642fdabefb7680123e46ddc',0,'','',1,0,'',0,0,0),(605,104,4,573,0,'*.*',1275689562,1,0,1,1,1,1,'','Re: why do I get penalised for saving?','Advanced industrialized nations have increasingly relied on the use of monetary policy to promote economic growth.  In other words, central banks manipulate the money supply and money market conditions with a view to spurring economic activity.  While they surround their activities with a lot of complex verbiage, the bottom line is they encourage banks to lend in order to increase consumption and investment.  The easiest way to encourage lending is to make it inexpensive to borrow.  That means lowering interest rates.  Of course, this injures savers.  If banks were in fact lending to productive business enterprises, then the government\'s policies might, from a societal viewpoint, make sense.  But banks are keeping tight reins on business credit, and have put much of their excess cash into financial products.  That\'s why financial assets have rallied over the past 15 months (until the past six weeks).  The sacrifices you as a saver are now making could be for naught, if the economy dives into a double dip recession.\r\n\r\nAs for housing policy, that\'s the result of lobbying.  The real estate and mortgage lending interests have used their political power to secure these subsidies.  Things won\'t change absent major shifts in political power that are difficult to foresee.','1deb283ac8ad00d3c9b5c229b5118b7e',0,'','',1,0,'',0,0,0),(603,104,4,568,0,'*.*',1275681059,1,0,1,1,1,1,'','Re: why do I get penalised for saving?','I really don\'t understand your argument! What has Capital Gains Tax got to do with your interest rates? CGT isn\'t payable on your main home anyway, and it\'s about to be increased.','8c372c5c8fbde0b51f41fbe8623467d9',0,'','',1,0,'',0,0,0),(177,56,4,205,0,'*.*',1267341977,1,0,1,1,1,1,'','im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','need some advice as what i can do as have a child to consider as don\'t want to be left homeless while the morgage goes through','294ad926a1a2307c63e26ea44f4bb9c7',0,'','',1,0,'',0,0,0),(179,57,4,207,0,'*.*',1267348061,1,0,1,1,1,1,'','How to start in the property market with no money?','How can you start out in the property market like buying houses and renting them out if you have know money...is there a way? And please tell me about it not just a straight answer? And even know the housing market is not at its best at the moment is there still money to be made though.','fe5b7137c4c74aee171d0700f563f298',0,'','',1,0,'',0,0,0),(180,51,3,208,0,'*.*',1267348817,1,0,1,1,1,1,'','Re: 4yrs ago bought car £4500 stll payinging same insurace premium?','If you still carry the same coverage and have no tickets or accidents and your credit has remained the same, it will be the same premium. Auto insurance has many rate factors,  credit score, loss history and location are the main ones. Check with you agent to see if you can reduce any coverages or raise your deductibles, and if you qualify for any discounts. Defensive driving and renewal discounts are popular. You may want to shop around for a lower rate with the same coverages you carry now. Insurance is a very competitive industry, so you can probably find a better rate elsewhere','8e9ce0709ad2d16d089dcc4b09cb2a36',0,'','',1,0,'',0,0,0),(181,58,4,209,0,'*.*',1267348825,1,0,1,1,1,1,'','Buying a house. UK only please?','Im buying a reposessed house. All the locks are changed when houses are reposessed. \r\n\r\nEach time I’ve viewed the house, I’ve only been able to open the front door. The Agent tells me there should be backdoor keys and window keys kept in one of the drawers in the kitchen, but there isn’t. We’re due to complete soon. \r\n\r\nWhen I ask the solicitor, they say ask the Agent to check there are keys. When I ask the Agent, they just keep saying ‘there should be keys in the kitchen’. When I tell them there aren’t, their response is ‘well there should be‘. But that doesn’t change that fact that there aren’t!\r\n\r\nNo wonder no one’s buying houses at the moment, buyers probably cant deal with incompetent Agents wasting their time!\r\n\r\nAnyway….. Are the Agents/Seller legally obliged to provide keys, perhaps for fire safety regulations or anything? Can they sell me house without keys?\nI will be changing the locks myself anyway, but I cant get the doors open to do that if they are locked and I dont have a key. \r\n\r\nIf I call someone to do it for me, which I will have to if the door is locked shut, its will cost me money, that I\'d rather spend elsewhere.','e66a666731d3c1bfdd2ff629ab1efb47',0,'','',1,0,'',0,0,0),(182,43,4,210,0,'*.*',1267349288,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','You have no rights in uk law, other than now raising a child that need housing, youl need a lawyer.','09fb4fb0ca3917f267ba465673b735b5',0,'','',1,0,'',0,0,0),(183,33,3,211,0,'*.*',1267355443,1,0,1,1,1,1,'','Re: Documents needed to buy Car Tax Disc Online?','Hi\r\nIt should all be recorded electronically nowadays.\r\n\r\nSo the system should know by your car registration number your MOT and Insurance info.\r\n\r\nSo you don\'t need to prove anything.','84a9e1b5e37b36f73612d05e07f828f8',0,'','',1,0,'',0,0,0),(184,59,4,212,0,'*.*',1267355453,1,0,1,1,1,1,'','How likely would it be to get a planning permission for such a house in the UK?','In Scandinavia, Germany, Austria or other countries you can \"buy\" houses from 60,000 pounds onwards, such as on here: http://www.allkauf-ausbauhaus.de or here: http://www.fertighaus.de \r\nPartly prefab houses, partly massive-built houses...\r\n\r\nThose houses are built to higher standards then the building regulations in the UK and are highly energy-efficient and spacious etc...just a lot cheaper then in the UK and do not look the same as all other houses.\r\n\r\nHow hard would it be to get a planning permission for such a house in the UK?','227767bf683fc81aab69da287f6e4d8f',0,'','',1,0,'',0,0,0),(185,51,3,213,0,'*.*',1267360312,1,0,1,1,1,1,'','Re: 4yrs ago bought car £4500 stll payinging same insurace premium?','Have you notified insurers of the reduced value of the car?  They don\'t reduce the value automatically, you have to advise them.  \r\n\r\nThat said, most insurances work on a banding system so the rate for £4500 may very well be the same as for a £2000 car.  Check with your insurers.','317e361c3d6d1cf3ebab04c62c5f39f1',0,'','',1,0,'',0,0,0),(186,60,4,214,0,'*.*',1267361542,1,0,1,1,1,1,'','If a couple breaks up , can one continue the mortage and stay in property if company buys house and..?','one of the couple , stays on as tenant?\r\nDo mortage companys offer this? especially with young children?','034df37ca22c7724dc56d70290592576',0,'','',1,0,'',0,0,0),(187,61,3,215,0,'*.*',1267366440,1,0,1,1,1,1,'','Is it possible to pause a car insurance but resume it again?','I want to know that if I buy car insurance, will I be able to stop the insurance so that I don\'t have to pay, just temporarily as I might sell my current car and until I get a new car I don\'t want to be paying without even having a car yet.','3896fa8a225646747ce6501e687b988e',0,'','',1,0,'',0,0,0),(188,56,4,216,0,'*.*',1267366448,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','assuming you mean what can i do?\r\n\r\nfirstly, use better grammar so that its easier to understand the question','16c41d9d3651461f3ba905fafe7c04d7',0,'','',1,0,'',0,0,0),(189,41,4,217,0,'*.*',1267367367,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','avoid bristol','4aee8bc098b09b80636996f71308f70b',0,'','',1,0,'',0,0,0),(191,51,3,219,0,'*.*',1267373170,1,0,1,1,1,1,'','Re: 4yrs ago bought car £4500 stll payinging same insurace premium?','Derek,\r\n\r\nAs an insurance broker who looks at rates for over 25 different companies all day long- I can tell you that 90% of the time the value of the vehicle does not affect the premium.\r\n\r\nIf you had full no claims bonus when you bought the vehicle & have kept Comprehensive cover then I would fully expect the premium to remain the same (or fluctuate only due to general rate increase/decreases by the insurer).\r\n\r\nThe main areas when the value of a vehicle WILL affect the premium are:\r\n\r\n- If the vehicle is over £15,000 (variable) then many insurers introduce loadings per thousand over £15K\r\n\r\n- Most insurers have a maximum value for TPFT cover (usually around £4k, sometimes £3 or £5K) if the vehicle exceeds theses limits you are generally forced to go Fully Comprehensive (not by pressure but by market forces as due to the market iot will be cheaper anyway)','ffd86e7cba5b4c7f9439335c60b3138b',0,'','',1,0,'',0,0,0),(192,14,4,220,0,'*.*',1267373324,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','This is the best time to buy houses,The only problem is getting a mortgage.','bc225d2237995aa08b6b31cddee2a48f',0,'','',1,0,'',0,0,0),(607,105,3,575,0,'*.*',1275809972,1,0,1,1,1,1,'','Re: seo question, i have an seo website and want to know?','Im not sure of the search voulumes for your target keywords. It is posible to get a site ranking for a low searched term.\r\n\r\nIf you place the terms in the footer of your site in a smaller font and hyperlink them to point at the home page <a href=\"Index.html>ayr</a> that helps.\r\n\r\nIdeally you want links to come to your site from other related sites and in the anchor text mention the area and cars and link it to your home page.\r\n\r\nYou could even do something called black hat. Write a short paragraph about the area and cars but put it in white font so the user can not see it or place an image over it. But it all depends on the competition for those keywords.\r\n\r\nYou have to think about the users experience when they land on your site there is no point having a high rank site if it doesnt convert into business which is why the hiding text that is useful for seo but meaningless for the user is sometimes worth doing.','e0f4a9c696f819b45414c9f8d4b4f8aa',0,'','',1,0,'',0,0,0),(194,36,4,221,0,'*.*',1267379241,1,0,1,1,1,1,'','Re: Is now a good time to buy houses in the UK?','If you have a good deposit and your not in a chain then it is a good time to buy.','f8298d36a2f7d9ea7a5f483d12da83e8',0,'','',1,0,'',0,0,0),(195,62,3,222,0,'*.*',1267385298,1,0,1,1,1,1,'','I am thinging of starting a business by buying cars from auctions and sell them outside.?','does any one know anything about such thing? can i make good money out of it? and is it legal to do this without a business license? pls if anyone know about thing.........\ni\'m from midlands UK','c40345a3013ecc47cc443223770926a6',0,'','',1,0,'',0,0,0),(611,106,3,579,0,'*.*',1276682035,1,0,1,1,1,1,'','I am in serious problem, I bought car without tax, it have MOT. I have insurance, but I done it online?','Hello,\r\nI am in serious problem, I bought car without tax, it have MOT. I have insurance, but I done it online and I need to wait five days for certificate. From insurance I have only my reference number and insurance policy number (insurance company said it is enouht to buy tax for a car), but in post office whey need original policy. I have no place where to keep car off road. How can i get tax disc?\r\nThank you.','14c66245b2ac70f44fcf78bb4f8706fd',0,'','',1,0,'',0,0,0),(197,27,4,224,0,'*.*',1267385459,1,0,1,1,1,1,'','Re: credit crunch? Is anyone benefitting?','Yes but by the same token if you are selling a house you also will be getting less for it. Basically it evens itself out.','e5eb84125439abb74ff9ef73a19a9a57',0,'','',1,0,'',0,0,0),(610,103,3,578,0,'*.*',1275821367,1,0,1,1,1,1,'','Re: why are Freemasons investigating Abp Paul Baker of Jesus of Nazareth Church?','Freemasons are not an investigative body, and don\'t investigate ANYTHING, except candidates for Freemason membership. Your post is insulting, and downright wrong. YOu should be ashamed at perpetrating such crap.','27a83c309d68a478148a57cd545a3c81',0,'','',1,0,'',0,0,0),(200,56,4,227,0,'*.*',1267391463,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','ask your landlord if when your lease expires you can go on a month to month lease temporarily until your mortgage goes through','6119b365a0c06b0741da93210853a54b',0,'','',1,0,'',0,0,0),(201,42,3,228,0,'*.*',1267397621,1,0,1,1,1,1,'','Re: Who can I contact about incorrectly supplied parts where I have been charged for labour?','contact the company that supplied you with the parts online. you can try and claim, but they will only say , you got what you ordered.','7e40d9808f25fa4814775ad62f806808',0,'','',1,0,'',0,0,0),(202,41,4,229,0,'*.*',1267397628,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','bristol500 its so dang loud on raceday','53ece027c411c9dc266a5948d2f2bf2b',0,'','',1,0,'',0,0,0),(204,37,4,231,0,'*.*',1267403774,1,0,1,1,1,1,'','Re: who is is fed up of hearing about getting on the housing ladder?','I\'m 57, my husband is 50.  I have four grown kids.  I have NEVER owned a house or condo, and probably never will.  My husband is a fine artist and web developer, he CAN do \'fix it\' stuff but why should he?  We don\'t have to pay anyone to \'fix\' stuff in our apartment, because we don\'t own it ... we tell the landlord, and the landlord has someone come in to fix it.  We can move if and when we want to move ... and we think we are FINE.  Neither of us want to own a house ... so if you don\'t want the hassle, don\'t buy a house, and tell those who are \'nagging you\' that it is YOUR life, and you will lead it the way YOU want to, and to stop nagging you or you won\'t be around much for them any more.','197302823975ee07385ca4096014fcb4',0,'','',1,0,'',0,0,0),(205,52,3,232,0,'*.*',1267407992,1,0,1,1,1,1,'','Re: if the media stopped moaning about recession?','I agree.\r\nProblem is that the media only report bad news.\r\nThey tell you when the markets go down but are silent when they go back up.','ffb2c0190d4ae3bd804bf4ba9cc85773',0,'','',1,0,'',0,0,0),(206,41,4,233,0,'*.*',1267410601,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','Hartcliff and Withywood are quite grotty (appologies, but they are) St Pauls and Montpellier have bad reputations because of the riots years ago, but I don\'t think they are too bad.\r\nClifton (where I live) is beautiful, posh, very expensive, and in term time full of students!\r\nHotwells has lots of character, some great pubs, the floating harbour, but still quite expensive. Bemmy (Bedminster) is okay.','785f9d83af098b5f27263af71ac7e54a',0,'','',1,0,'',0,0,0),(207,53,3,218,0,'*.*',1267414520,1,0,1,1,1,1,'','Re: car tax &continuous registration i bought car from niece ,we didnt realise that  dvla hadnt got change of  reg?','Timbo is unfortunately right.  Important documents need to be read, not just stuffed into a drawer.  Not sure which world amrhappy1 belongs to in saying you did nothing wrong.  It\'s true your niece did nothing, but that is what was wrong.  The law requires the person selling a car to \"immediately\" notify the DVLA of that fact.  As a question of fact your niece did not, so as a question of law she is liable to a fine.  Your niece needs to pay up.  If she follows amrhappy1\'s advice and lets it go to court she could find herself in prison for wilful non-payment of a lawfully-imposed fine.','73719f39888be5cf8df91c0a8c046c6c',0,'','',1,0,'',0,0,0),(208,63,4,234,0,'*.*',1267414530,1,0,1,1,1,1,'','Would we be better of selling and renting a house?','We decided to buy our detached house 3 years ago on interest only mortgage. We can\'t afford to go on repayment. Husband has own business and things are ok at the moment but who knows? We have a fair amount of work to do to get the house to the standard we want (spending about £15k and have a loan already for for other work) but I don\'t know if it\'s worth it. There doesn\'t seem a future in buying houses and we might still be paying mortgage when 60! House is still only worth what we paid for it. I think we should cut our losses and rent a house to the same standard for a lot less money and not have all the upkeep. Plus we can have a better lifestyle, afford to travel a bit and just have far more disposable income.\r\nIf we are older and become ill then the council take your money from the house to pay for care.\r\nAnyone agree with me on this or can you give me some viable arguments to staying in this situation.\nYou can all go and get lost with your money making schemes! NOT INTERESTED.','4124823859acb98fbf43d32c5b498e9b',0,'','',1,0,'',0,0,0),(209,64,4,235,0,'*.*',1267416679,1,0,1,1,1,1,'','What is the score with parents lying about where they live to get their kids into the right school?','I don\'t blame the parents for lying about the address or buying houses near the best school. The fact that they have to do the best for their kids has to be taken into account. This ridiculous government is now looking at giving fines to people for making these applications.\r\n\r\nFINAL POINT\r\n\r\nHas it escaped anybodys attention that the goverment are saying tut -tut about lying about your address blah blah. The whole time this has been going on today I was thinking that what them lot have been up to for years over the expenses debacle. Some have lied about addresses some are just plain criminals.','16341f696babb230eae4c44758aa4c28',0,'','',1,0,'',0,0,0),(212,65,4,238,0,'*.*',1267422854,1,0,1,1,1,1,'','I need to borrow a loan to buy house? How do I do this?','I need to borrow a loan to buy house? How do I do this?','08522342facfc9ee0f1e641da851a84b',0,'','',1,0,'',0,0,0),(214,14,4,240,0,'*.*',1267428511,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','When the people selling them realise that this cash cow is dead, and start asking more reasonable prices for them.','75ec2e08c0bc6f85730bd9361e31b880',0,'','',1,0,'',0,0,0),(608,103,3,576,0,'*.*',1275813066,1,0,1,1,1,1,'','Re: why are Freemasons investigating Abp Paul Baker of Jesus of Nazareth Church?','The Freemasons only investigation is when a person petitions for membership in a Masonic Lodge. Otherwise your question is dumb and I will give you the benefit of the doubt that you are just ignorant and not a troll.','5938e8acdd3383140bc0ac1dcf011a83',0,'','',1,0,'',0,0,0),(609,105,3,577,0,'*.*',1275818101,1,0,1,1,1,1,'','Re: seo question, i have an seo website and want to know?','I don\'t think you are trying to cheat and google will not either.  It is OK to let your visitors know that your only service these area.  Just put it right out front - that you sell cars in those areas.  You could put that in your meta description.  Just make sure that on your page - this text does not match the backgroud - if it does (i.e. white on white) then google will know that you are up to something.\r\n\r\nJust build your site for your users and forget about google - if you build it for visitors - google will find you.','0bc4a2bace684bc037f0757d28fc896b',0,'','',1,0,'',0,0,0),(216,41,4,242,0,'*.*',1267435501,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','Avoid St Pauls, Easton, and Knowle West at all costs, parts of Southmead, Hartcliffe, and Eastville are somewhat dodgy, try to find a place in the North of the city.','4d9f9fd8a0d6ffc0d7ebc919f4ab4fd0',0,'','',1,0,'',0,0,0),(217,52,3,243,0,'*.*',1267436886,1,0,1,1,1,1,'','Re: if the media stopped moaning about recession?','why not put your money(credit) where your mouth is and you will find out what the media are yelling about.\r\nsure you could ignore it ,and go further into debt, if you can find someone to lend to you, or maybe your one of those who got rich like madoff .\r\nI certainly wouldn\'t want to finance any deals at the moment with interest at zero why should i risk my bit of capital.\r\nif you still have a job then look after it it may not last long.','5c80625cbfdc4c6d66be493adb22f788',0,'','',1,0,'',0,0,0),(218,0,4,244,0,'*.*',1267441489,1,0,1,1,1,1,'','','Yes, when you complete they normally give you the keys','b4b5709f4c30fc3ef8f8affbfb3d98cd',0,'','',1,0,'',0,0,0),(606,105,3,574,0,'*.*',1275802304,1,0,1,1,1,1,'','seo question, i have an seo website and want to know?','i buy cars and if i put this on my website will google bot know what i am doing\r\n\r\nSell my car Ardrossan, Ayr, Beith, Cumnock, Dalry, Darvel, Galston, Girvan, sell my car Irvine, Isle of Arran, Isle of Cumbrae, Kilbirnie, sell my car Kilmarnock, Kilwinning, Largs, Mauchline, Maybole, Newmilns, Prestwick, sell my car Saltcoats, Stevenston, Troon, West Kilbride\r\n\r\nits an easier way to cover all towns and cities in england will that work, how abou if i take all the full stops out, \r\n\r\ni will google bot know i am trying to cheat','0b1b300652716da0580cb6ad26d5e5ef',0,'','',1,0,'',0,0,0),(220,3,4,187,0,'*.*',1267443793,1,0,1,1,1,1,'','Re: what is the best way to put your house and money away so that you don`t have to pay for care in old folks home?','seek professional help, a solictor that deals with this, as they are best placed to tell you how to share  your assets. I would do this as soon as possible, it doesn\'t harm to get advice at this stage.','ddf1392eed910079ae9764f0662b1eb4',0,'','',1,0,'',0,0,0),(221,41,4,245,0,'*.*',1267445047,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','I think you should of asked where it is better to live,\r\navoid Knowle and Barton Hill. St. Pauls is improving.\r\n\r\nClifton is ok if you like Uni students, Bedminster is full of crazy painted houses and if I were you I\'d look at the surrounding area, such as Keynsham or Weston Super Mare.\r\n\r\nYou need to learn Brittle and not be a grockel, have a good ideal my luvver, let me give you a gurt big smacker.','c90a109f4458ce45a4e14ba2e49295cc',0,'','',1,0,'',0,0,0),(222,19,4,246,0,'*.*',1267448386,1,0,1,1,1,1,'','Re: Buying house in the USA!?','Not a chance! NY is very costly. There are great values in Florida right now. Homes are listed hundreds of thousands of dollars below maret value. It a great time to buy.','5082e7d0a43fef79f31cf37ae5c48dcb',0,'','',1,0,'',0,0,0),(223,52,3,247,0,'*.*',1267450463,1,0,1,1,1,1,'','Re: if the media stopped moaning about recession?','Yep!!! My life is carrying on as usual.\r\n\r\nSpend a little bit more on the basics such as food but you\'ve got to just grin and bare it.\r\n\r\nThe media - as pointed out especially the BBC - are totally going way over the top.... giving me headache. They\'re just talking us all into a recession, trying to scare the living-be-jesus out of everyone.\r\n\r\nAll this commotion over the financial world must mean that there\'s nothing much else happening in the world at the moment - which is I guess good.\r\n\r\nMerry christmas and lets have a prosperous new year!!!','94ebce5fa865bd128d804cf68662b7df',0,'','',1,0,'',0,0,0),(224,66,4,248,0,'*.*',1267453072,1,0,1,1,1,1,'','Mode of entry into international markets?','A foreign producer of raw material is asking me to find out a buying house / trading company because he wants to dive into the market in my country.  I\'d like to know how can I squeeze some money out of this venture, as a middleman or a market development exec.','5040e7deefa6b66ad87108f089c04604',0,'','',1,0,'',0,0,0),(225,62,3,249,0,'*.*',1267458363,1,0,1,1,1,1,'','Re: I am thinging of starting a business by buying cars from auctions and sell them outside.?','Yes you can make money from this, but some states will only allow you to sell so many before you need a business license.','c44cf2aaeac4784bc16260e3fefc99b2',0,'','',1,0,'',0,0,0),(226,3,4,250,0,'*.*',1267460314,1,0,1,1,1,1,'','Re: what is the best way to put your house and money away so that you don`t have to pay for care in old folks home?','the best way is to purchase Long Term Care insurance. If you buy it while you are young than it is not to bad.','02fb62ea5050c23a2258a6f134b1c2eb',0,'','',1,0,'',0,0,0),(227,33,3,251,0,'*.*',1267465715,1,0,1,1,1,1,'','Re: Documents needed to buy Car Tax Disc Online?','all you need is your debit card and the reminder letter! they check MOT etc electronically','3141c8df2a8a2527ab8cc32d3b54d674',0,'','',1,0,'',0,0,0),(228,27,4,252,0,'*.*',1267465727,1,0,1,1,1,1,'','Re: credit crunch? Is anyone benefitting?','Yes, there was a programme (I think it was on BB2) a little while back with a lot of very smug people celebrating the present down turn. Odious buggers! It was a collection of repossession types, people who buy up houses and rent them back to their previous owners, that kind of thing. Greed isn\'t very attractive when seen up close.','6e838a3a6b289e9138ebe103e9760e95',0,'','',1,0,'',0,0,0),(229,41,4,253,0,'*.*',1267471941,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','people are perhaps being funny when they say avoid Bristol but they may be right.  I would not buy a house there because I don\'t think it would be a good investment.  The traffic is awful, it is too far from London and Manchester, it appears that there is quite a lot of crime.  If there is no longer a job in Bristol for you, then where could you commute to?  Bath?  Cardiff?\r\n\r\nI\'m sure most people who already live in Bristol are happy to live there but if you are young and ambitious (aren\'t we all on Y!A), think hard.','f2d7a5755da99bd93a05732d35ed5baf',0,'','',1,0,'',0,0,0),(230,52,3,254,0,'*.*',1267472247,1,0,1,1,1,1,'','Re: if the media stopped moaning about recession?','While your point is correct, it\'s a bit late for that now.  That kind of thinking would have helped, say, four or five months ago.  The damage has already been done now because tens of thousands of people have already lost their jobs and therefore they don\'t now have the money to go out and buy things.\r\n\r\nBut, in response to your own question, I would say yes, if you need/want a new car then go and buy it now.  The only reason to wait would be if you are at risk of being made redundant yourself and worry that you need the cash for something else, or if you\'re using financing, won\'t be able to afford to pay it off.','60c0592e2572022dd8639496e379d358',0,'','',1,0,'',0,0,0),(231,37,4,255,0,'*.*',1267472255,1,0,1,1,1,1,'','Re: who is is fed up of hearing about getting on the housing ladder?','I\'m sure a whole heap of people feel same way as you, myself included.\r\n\r\nHopefully this will be of interest!\r\n \r\nHere\'s a great alternative \r\nto owning traditional bricks and mortar, or renting:\r\nhttp://the-alternative.org.uk \r\n\r\nthe info. is all FREE\r\nre:  basically describing a new style of low cost housing\r\ni.e. what you need to know\r\nso that you can get a decent, safe roof over your head\r\nwithout risking your security!','2737d94fb45bbccfeebd0628d3125ab8',0,'','',1,0,'',0,0,0),(233,67,4,256,0,'*.*',1267483235,1,0,1,1,1,1,'','Partner pulled out of buying house......?','Our offer was accepted on a house 2 bedroom terrace, Manchester up for £105,000 in January they reduced to offers over £100,000 March our offer was accepted at £91,000.  I was really happy until his sister interfered and said we will be in negative equity and that the prices will drop further so he dropped out.  What do you think, have we done the right thing?  Always thought you would be in neg equity if you bought a house at its peak and HAD to sell now.  Im worried that once our Mortgage promises expires that we might not be able to get another Mortgage with everything going on.  We were putting £12,000 down as a deposit.  Your views and experiences would be very helpful.  Im very upset and confused over this matter.xx','dffa94ddc423434fec4501bb81130a5b',0,'','',1,0,'',0,0,0),(234,68,4,202,0,'*.*',1267483696,1,0,1,1,1,1,'','who is surprised that the bail out banks made a loss?','they loan money to people who want to buy houses they cannot afford, when the good people of Britain stop trying to live beyond their means and stop getting loans based on the 70 hour week they have been working and the assumption that they are going to work those hours for ever and never incur extra costs like kids, cars, medical problems , holidays, then they wont be so hard up','e0382bb0eaa64bd41fa5d1ebff31e5dc',0,'','',1,0,'',0,0,0),(235,33,3,79,0,'*.*',1267484145,1,0,1,1,1,1,'','Re: Documents needed to buy Car Tax Disc Online?','my brother did his online today, they asked for his payment card details, your address has to be the registered address that your card is linked to. They also wanted his log book reference number, and insurance policy number','768ba829f09316a9e578063bf62d8d90',0,'','',1,0,'',0,0,0),(236,52,3,257,0,'*.*',1267489584,1,0,1,1,1,1,'','Re: if the media stopped moaning about recession?','I agree. Most media thrive on sensational news so mostly are one sided and does not record the true facts of the matter. So do not be too influenced by the media and do the things you can afford and those you like to do.Recession happen ever five years and this current one will be over before you know it.','d78b226691d93c8c1bb99b6c43e5e66e',0,'','',1,0,'',0,0,0),(237,29,4,258,0,'*.*',1267489591,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','Isn\'t Hindsight a wonderful thing.','3bfac92c034b54efd1c9c18739796a9b',0,'','',1,0,'',0,0,0),(238,29,4,259,0,'*.*',1267490967,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','Chicken and egg question, if they didn\'t you wouldn\'t or did you or will you or won\'t you?','6be18ddf2971541ca194d1ce7257c2cf',0,'','',1,0,'',0,0,0),(239,52,3,260,0,'*.*',1267494843,1,0,1,1,1,1,'','Re: if the media stopped moaning about recession?','Well put.  If it was not for the media we would be better off in many ways including the recession for which they have created the panic, the crime which they report and in a way make it alright for it to continue.  For the brainless people walking around discussing reality programmes as they are the most important thing in life and not to mention the designer clothes,perfumes and making ugly people role modes to the young','62b33bd2e833f523035181e460d805b2',0,'','',1,0,'',0,0,0),(240,41,4,261,0,'*.*',1267494851,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','avoid areas you dont like','f91490cd432d4b3e022324fd86711cf6',0,'','',1,0,'',0,0,0),(241,69,4,262,0,'*.*',1267495656,1,0,1,1,1,1,'','I want to borrow a loan?','i want to borrow a loan to buy a house outright, how can i do that? Is there a loan company that helps people to buy houses financially and outright?','1a691d5a88de013109df25c189550f6f',0,'','',1,0,'',0,0,0),(242,30,3,263,0,'*.*',1267497214,1,0,1,1,1,1,'','Re: I have lots of auto loans due to my fascination on cars. Now I can\'t pay them all..?','While you may not WANT to lose the cars, it may be unavoidable.  You will either pay the note, or the bank will repossess the cars.  If it is those to cars that you particularly do not want to lose, you may consider selling off some of the cars without liens and use the proceeds to pay off the cars with liens against them.','86d7b3f6f8e64b824dfaf29d40fa3f9d',0,'','',1,0,'',0,0,0),(243,62,3,264,0,'*.*',1267500704,1,0,1,1,1,1,'','Re: I am thinging of starting a business by buying cars from auctions and sell them outside.?','it is illegal,sorry','de9b0a62a17b264934ff55acfe00915f',0,'','',1,0,'',0,0,0),(615,107,4,583,0,'*.*',1276775295,1,0,1,1,1,1,'','Can i put my husbands name o n the title deed to a newly bought house if the morgate is fully in my name?','I would like to find out if i put my husbands name o n the title deed to a newly bought house if the morgate is fully in my name? \r\n\r\nwe are currently living in my houses in england uk that i bought before we got married and we are thinking of selling up and moving however as my husband still has a bad credit rateing i think we would be unable to get a joint mortgae, but as we have the ability to get some extra cash from our job but his name would have to be on the title deeds to do this and we were wodering if we cn still do this even if his names not on the morgage?\ni know i\'m going to put in a leagal cluase to elp me with that and to make sure i dont loose anything on teh house to hiom when i\'m respornible with it inncase anything happens between us, but we wont be able to gt any exra money towards it from his work if hes not on the title deeds and it adds up to almost 10,000 uk pounds which is about 20,000 making a bit diffence to teh prperty we can buy','1930ecbf1832dcaed2bfc10d80d8a562',0,'','',1,0,'',0,0,0),(245,19,4,266,0,'*.*',1267501619,1,0,1,1,1,1,'','Re: Buying house in the USA!?','go to texas \r\nhouse value there is verry very low\r\nan apartment in new york cost around 400k \r\na 2 story house in texas cost 160- 200k\r\nits way cheaper','5e02032522f4ec97c500e242861a2b6f',0,'','',1,0,'',0,0,0),(614,106,3,582,0,'*.*',1276697992,1,0,1,1,1,1,'','Re: I am in serious problem, I bought car without tax, it have MOT. I have insurance, but I done it online?','You could ring swansea, straight from the horses mouth so to speak!','5b1a2f3d5764a4d198a7f4fd98155bfc',0,'','',1,0,'',0,0,0),(247,70,4,268,0,'*.*',1267508651,1,0,1,1,1,1,'','How long to complete on part buy house purchase, more details within?','Hi there, i was just wondering if anyone has any idea how long it generally takes to complete on a house purchase. We are loging with inlaws rareing to go.\r\nIts a part buy property, brand new with current HIP pack. We have a mortgage in place and solicitor on stand by. Just waiting for assosiation to instruct there solicitors. How long do you think this will realisticly take from intruction to completion?','258d3991c43b6b86ed32fbf6d47ac7a0',0,'','',1,0,'',0,0,0),(612,106,3,580,0,'*.*',1276689704,1,0,1,1,1,1,'','Re: I am in serious problem, I bought car without tax, it have MOT. I have insurance, but I done it online?','Buy your tax disc on line too.  The system will know if you are insured and MOTd and will issue you with your disc electronically.  You will get the actual disc in the post, but you will still be recorded on the system as having tax.\r\n\r\nUnfortunately, you are not exempt from having to display a disc, unless you buy the new tax disc before the end of the month the last one runs out on.  This normally gives you until the 5th of the next month before having to display your disc.  In your case, you will still risk a fine if there is a nosey Traffic Warden about, but a note in the windscreen should cover yourself - all they have to do is check the database to see if you are electronically taxed.  However, there are some nasty bastard Wardens out there.  Depends where you live I suppose.','7dddc602d45a95c459d5a553f84dedb9',0,'','',1,0,'',0,0,0),(250,3,4,271,0,'*.*',1267514868,1,0,1,1,1,1,'','Re: what is the best way to put your house and money away so that you don`t have to pay for care in old folks home?','Put it into your children\'s names. Easy as that.','eca371c6f3e749846ee0d7cad42d20dd',0,'','',1,0,'',0,0,0),(613,106,3,581,0,'*.*',1276693881,1,0,1,1,1,1,'','Re: I am in serious problem, I bought car without tax, it have MOT. I have insurance, but I done it online?','Think you will have to wait for insurance policy to come through, park your car and don\'t worry, if you get a ticket it will only be referred to the \'Road fund licence\' people and it\'s up, to them to prosecute or not so if the worst happens you can explain to them why you had no car tax at the time and anyway, you can always back date the car tax.','ff2860251465c6b0372f998b1ee6b639',0,'','',1,0,'',0,0,0),(253,62,3,273,0,'*.*',1267519370,1,0,1,1,1,1,'','Re: I am thinging of starting a business by buying cars from auctions and sell them outside.?','hi i think its ok to sell cars your best of buying new cars to make more profit as long as you keep it quiet so the tax man doesnt know then you will be fine some times you loss money and you can make a lot of money so its worth it good luck buy new damaged cars get them fixed for cheap and sell them on for more ido this for a living at the moment','9bff1b9c67c06d29392521ef45206e5f',0,'','',1,0,'',0,0,0),(254,71,4,274,0,'*.*',1267519378,1,0,1,1,1,1,'','How to delay paying stamp duty?','I have reserved a house in the UK back in June.  Mortgage is approved and waiting for house to be completed - most likely Januart/Fenruary.  The problem is that there is going to be a 1% charge from Jan 1st for Stamp Duty.  All financial sources are gone as it is tied up in legal fees and moving (1st time buyer).  Any advice or assistance you can think of or if you know the rules?\r\n\r\nShall I pay the stamp duty late and get more fees, can you pay the stamp duty if you can make an agreement etc.  \r\n\r\nAny advice or what is your opinion?  It\'s very strange that the governement put the tax back on when they are trying to encourage people to buy houses - I guess this is another reason down to bailing out the banks.','110ead4334da59af41ca10b5cdfeff96',0,'','',1,0,'',0,0,0),(255,71,4,275,0,'*.*',1267524062,1,0,1,1,1,1,'','Re: How to delay paying stamp duty?','Stamp Duty is payable at the date of transfer and your solicitor will want to see that there is provision for this in the amount you make available for the purchase.','743c19734e1d5b13d7b035b8450ef4f7',0,'','',1,0,'',0,0,0),(256,61,3,276,0,'*.*',1267526238,1,0,1,1,1,1,'','Re: Is it possible to pause a car insurance but resume it again?','You can, as long as you get your car off the street (not even parked on the street - it has to be off public roads), and NEVER drive it.\r\n\r\nI have done that for short periods while my car was broken, and I couldn\'t afford the repair.  \r\n\r\nUsually you have to mail or fax your insurance carrier a statement saying you want to cancel coverage.  Then it\'s often a simple phone call to get it started up again when the time comes.  Give them a call and see what they need.','2cd2281e88a30352c783bc01944b8b4f',0,'','',1,0,'',0,0,0),(257,41,4,277,0,'*.*',1267526247,1,0,1,1,1,1,'','Re: I\'m thinking of buying house in Bristol, any areas I should avoid?','People keep saying avoid St Pauls - it\'s actually not that bad. Most of it is lovely Georgian architecture, it hosts the St Pauls Carnival which is excellent and it is very conveniently located bang smack in the middle of town.\r\nIt does have a high proportion of Afro-Carribean residents, so unless your the sort of person who\'s scared of other races then it\'s an excellent place.\r\n\r\nHeres a true life example,\r\nI drive a 2006 Mercedes CLK worth about £20k, I used to park it in the \'Posh\' area of Clifton until it was scratched, had the wing mirror smashed off and was spat on.\r\nMy friends said \'Don\'t park it in St Pauls they\'ll nick your wheels\' Do you know what? I\'ve been parking in St Pauls for over 18 months now and I have not had ONE problem. Not a scratch.\r\n\r\nIf you believe everything you read without doing some research you\'ll just become arrogant.\r\nBy the way I live in Hanham (which I think is a lovely place) so I am in no way biased towards St Pauls - but it\'s just not as bad as everyone says it is.','53e403332649c3135f9ace085434bec1',0,'','',1,0,'',0,0,0),(258,27,4,278,0,'*.*',1267527785,1,0,1,1,1,1,'','Re: credit crunch? Is anyone benefitting?','As usual..the rich get richer!!!','3f849e710e205549c33260f25697a06c',0,'','',1,0,'',0,0,0),(259,72,4,279,0,'*.*',1267529332,1,0,1,1,1,1,'','joint ownership of real  estate uk?','Bought House 17 years ago in part ownership, both names on deeds.  I then went abroad, have now found out my friend has forged my name and sold the house 14 years ago and since purchased another property in their own name.  What is my position  legally.','57a082bd9f7f9629d8a10a26136837b8',0,'','',1,0,'',0,0,0),(260,48,4,280,0,'*.*',1267530968,1,0,1,1,1,1,'','Re: Are being actually buying houses in the UK at the moment? Want sell mine but wondering how long it\'ll take','If it\'s priced correctly it\'ll still sell.  If you don\'t get any viewings then you probably need to reduce your price.  If you are getting viewings but no offers you need to talk to your estate agent to see what people are saying to them after they\'ve viewed.  Make sure the place is really clean, tidy and looks like a show flat - a little investment in tidying up makes a big difference.','454a232babce729ebb86afbeaf571e1c',0,'','',1,0,'',0,0,0),(261,62,3,281,0,'*.*',1267532067,1,0,1,1,1,1,'','Re: I am thinging of starting a business by buying cars from auctions and sell them outside.?','i tried after about the third car the council was round to tell me that i was selling cars from a residencial address and must stop or i would be taken to court then i had a letter from the taxman saying that it had come to there notice that i was buying a lot of car from auctions and that suspected me of trading in second hand cars and that i must declare all eanrings from the sales so far or they would estamate tax due had to pay them the auctions notify all sales.The car you buy at auction are not there because they are good cars they normally want a lot of money spending on them to make them half salable most are traded in reps cars with starship enterprise milage or no history for the amount of work and the greif you get from buyers its not worth it','1f22f8c1866c49b09c3fb0961ca2ae15',0,'','',1,0,'',0,0,0),(262,70,4,282,0,'*.*',1267537195,1,0,1,1,1,1,'','Re: How long to complete on part buy house purchase, more details within?','I bought under a shared ownership scheme which took 3 months, start to finish.  That was back in November 2006 - late Jan 2007.\r\n\r\nThe length of time depends on how efficient the solicitors are.  They have to carry out basic property searches to ensure that you are not buying a dud.  These include checking with the local authorities that they are not planning to build a bypass through the property site!\r\n\r\nThese searches are often done online but you have to allow a month for responses.  The solicitors also have to check the lease documents which are drafted by the housing association\'s solicitor.  This takes a bit of time.\r\n\r\nThey arrange with your mortgage company for your loan to be transfered to the HA etc etc.','1f9f4dbc6674e8366f4639227b54489d',0,'','',1,0,'',0,0,0),(263,44,3,283,0,'*.*',1267537802,1,0,1,1,1,1,'','Re: Daughter and boyfriend want to buy car on finance/loan from me?','They are grown up and live on their own independent do not let yourself be put on the hook for this one. If they want to finance it let them do it. Let them experience what life is really all about, it is the only way they will learn. My guess is they will not get the loan or if they do will have problems keeping up with it again their problem just do not co-sign for it or it will become your problem. Yes it is hard to see our children making decisions that we know are wrong. (Speaking from experience) Yet we all have and have survived it is part of the learning curve we all go through. Keep to your guns, and yes you will worry about her, but she is an adult and that is her choice, so step back and let the cards fall where they may.','ab7bc8257067e3af3fc152a0b241f903',0,'','',1,0,'',0,0,0),(264,58,4,284,0,'*.*',1267537818,1,0,1,1,1,1,'','Re: Buying a house. UK only please?','just threaten to pull out if they dont sort it out\r\nim sure you find that they sort it.','6a7da80328ff4258d0270430a5c0a58a',0,'','',1,0,'',0,0,0),(265,73,4,285,0,'*.*',1267539665,1,0,1,1,1,1,'','Can buy housing association house\'s?','and if u can how do u have to live in them','cbd3c3c3d65e385d7dd0515129adb31d',0,'','',1,0,'',0,0,0),(266,55,4,73,0,'*.*',1267541519,1,0,1,1,1,1,'','Re: do you think its a good idea for the uk gov to encourage people to buy houses the cant afford?','I have got no idea, its absolutely insane. I bought my property with my fiance two years ago. We were quite young at the time and I\'d just finished uni so we had no savings behind us. However, like most people in this country, we were obsessed with getting on the property ladder! So we got a huge mortgage and an unsecured loan to pay the deposit which seemed like a great idea at the time with the house prices on the up. Now though, we find ourselves in negative equity paying interest rates that are through the roof on a mortgage we couldn\'t afford to begin with.  We actually worked out that because we are paying so much in interest, we are paying almost nothing off the mortgage so in actual fact, we would have been better off renting because at least that way you don\'t have any debt! So I think I\'m living proof that it is totally an utterly pointless getting mortgage you can\'t afford for the sake of owning a house!!!','e14f31606c50e8452aa51090089303fd',0,'','',1,0,'',0,0,0),(267,30,3,286,0,'*.*',1267544454,1,0,1,1,1,1,'','Re: I have lots of auto loans due to my fascination on cars. Now I can\'t pay them all..?','Sell some of you cars that you are so fascinated with. \r\nLook, you are going to lose the cars one way or another. Why not be proactive, sell them, and hopefully pay off the bank? If you lose the cars to a repo, that will be worse, as they will sell them for you at auction, and bill you for the shortfall.  They will also tack on all sorts of fees associated with having to repo it.','d63673e2975a4e31263638691cc92656',0,'','',1,0,'',0,0,0),(268,70,4,287,0,'*.*',1267546579,1,0,1,1,1,1,'','Re: How long to complete on part buy house purchase, more details within?','10 to 12 weeks\r\n\r\nYou are dealing with a social landlord and it will take its time. Getting your mortgage and house valued will take two to four weeks easily.\r\n\r\nI have bought many houses and it always takes 10 to 12 weeks and getting the mortgage and valuation is always the biggest time delay and the hardest work from your part\r\n\r\nGood luck','62dab3384d854f1e469b484c668db276',0,'','',1,0,'',0,0,0),(271,15,4,109,0,'*.*',1267550604,1,0,1,1,1,1,'','Re: NINJA loans and the Credit Crunch - Whos got the cash?','It\'s even more complicated than that.  Private landlords rarely own all their properties outright.  They usually carry loans of about 75% of their property portfolio.  As soon as there is surplus equity, they borrow more and buy more properties.\r\n\r\nWhat has happened in recent years is that corporate loans have been privatised.  Instead of the banks lending money to corporate landlords, they are lending more to owner occupiers and individuals doing \"buy to let\".  The big numbers of loan have always existed, but it is now hanging round the necks of Joe Public instead of being numbers on a balance sheet.\r\n\r\nWhere it\'s now all going wrong is that corporate landlords had plenty of equity to support the loans and they could always keep sufficient of their properties let to ensure sufficient money came in to service the properties and loans.  Owner occupiers suddenly find they can\'t afford to support their loans and finish up losing their homes.  The buy-to-let individual gets the tenant from Hell and can\'t pay the interest.  Suddenly the business of lending money against property has become high risk and the banks don\'t want to do it any more.\r\n\r\nThen along come the UK and US Governments with electorates that don\'t want to pay tax.  The UK has a creaking NHS to support and the US wants to wage war in the Middle East and both want to borrow the money to keep them going.  The banks would far rather lend money to governments, so the whole business is now in crisis.','8eac242efb3f47ac27455013c55063fe',0,'','',1,0,'',0,0,0),(273,67,4,291,0,'*.*',1267556020,1,0,1,1,1,1,'','Re: Partner pulled out of buying house......?','This is just one of the social complications of dumbing down marriage.  There is no permnant committment.  I look forward to the days when marriage is reintruduces as the better option...','5fdf2d1d8e17bd5f53f7ad7081ce44a4',0,'','',1,0,'',0,0,0),(275,61,3,292,0,'*.*',1267562023,1,0,1,1,1,1,'','Re: Is it possible to pause a car insurance but resume it again?','No.  If you sell the car and no longer own one, you cancel the coverage and then get a new policy when you get a new car.  The policy goes with the car.','f0d946d1dbe0379311367752d5a1dd18',0,'','',1,0,'',0,0,0),(276,38,4,293,0,'*.*',1267562032,1,0,1,1,1,1,'','Re: Why do estate agents ask if you are buying house for staying or investment?','If you live in the house, you pay one set of fees and interest: If yu are not going to live in it, you will have to pay other fees, taxes, etc.','b351a4214992a9799e4f540040d36f06',0,'','',1,0,'',0,0,0),(277,71,4,294,0,'*.*',1267563392,1,0,1,1,1,1,'','Re: How to delay paying stamp duty?','In this matter it will be necessary to take advice form your solicitor but it is necessary to pay the stamp duty upon purchase of the property.  You may be able to delay the completion enabling you to save up the money required to pay the stamp duty bill.\r\n\r\nSpeak with your solicitor first and it may be worth considering discussing the matter with the builder to see if they can assist or get the build completed prior to Christmas.\r\n\r\nhttp://www.wwfp.net/mortgage/mortgage-advice.html\r\n\r\nDisclaimer:\r\nThe answers above are for guidance only and should not be acted upon without you receiving professional mortgage advice relevant to your circumstances.  To find an independent mortgage adviser please go to http://www.unbiased.co.uk','7e3d11c2fa5ffa6399b2d4205d029aa7',0,'','',1,0,'',0,0,0),(616,107,4,584,0,'*.*',1276790621,1,0,1,1,1,1,'','Re: Can i put my husbands name o n the title deed to a newly bought house if the morgate is fully in my name?','In the US, you can.  I don\'t know about the UK.\r\nBut why would you do this?  You are giving him the house but you are still 100% resposible for paying for it.','9d7c5fd8ee5a4697463c59e0f4dbec9e',0,'','',1,0,'',0,0,0),(279,27,4,254,0,'*.*',1267567913,1,0,1,1,1,1,'','Re: credit crunch? Is anyone benefitting?','Sir Richard and Poppy - those are pretty fucking STUPID things to say.\r\n\r\nThose that are benefitting are those, like myself and probably the person who posted the question, who are first-time buyers and were too POOR to consider purchasing property in the past.\r\n\r\nIn general, I agree with the statement that the poster has made.  The downside is that interest rates are very high though, so even though you are paying a lower price for the property it doesn\'t mean that your mortgage repayments will be cheap.','6e268a2c9e96ba592daf247d68ba659c',0,'','',1,0,'',0,0,0),(618,109,7,587,0,'*.*',1278826548,1,0,1,1,1,1,'','where to buy digital cameras? pls help?','hello everyone. i wanna see your answers to help me where to buy cameras. I\'m from the Philippines and I\'m really confused on where to buy. because I saw this online shop and they sell very cheap cameras, I asked the owner that why is it cheap? he said he is a direct seller and when in malls they sell it double price. I will be going to Japan next month but I want to buy it as early as possible but I\'m just confused on where to buy. will it be better if I\'ll just buy in japan? reply please :) oh btw, I\'m planning to buy Canon ixus 100IS. looking forward to your answers. thanks! :)\noh okay. omg that\'s scary :( but i know their cameras are authentic and they have lots of customers too. they sell alot of brands of cellphones, dlsr, laptops, ipods. pretty much everything. \r\n\r\nhere\'s the link of the store i\'m talking about \r\n\r\nhttp://kimstore.multiply.com/\r\n\r\ni can\'t buy on sites you\'ve mentioned coz i don\'t have credit card yet. i\'m still seventeen :(','e75798cff59d893544125f2a69833f2e',0,'','',1,0,'',0,0,0),(281,70,4,296,0,'*.*',1267573145,1,0,1,1,1,1,'','Re: How long to complete on part buy house purchase, more details within?','Hi,\r\nIt\'s usually around 3 months.  You also need to keep on track of everything and chase everything up to speed it along as sometimes you could be left at the bottom of the in-tray.  Call the association and ask what the delay is, when are they calling their solicitors?  Then call their solicitors and check what the next step is.  Answer all your solictors queries promptly and chase them up too if there is any delay.  Keep at least a weekly phonecall to both sets of solicitors to make sure that everything is going smoothly.\r\n\r\nGood luck with it!','90a28a18ffe69e877f37bc24f21e1fa9',0,'','',1,0,'',0,0,0),(617,108,3,586,0,'*.*',1278826517,1,0,1,1,1,1,'','do you know that ,you may use an x as your signature on contracts.?','buying cars, buying houses, loans,','51f69331783664df9bbee09687139eb6',0,'','',1,0,'',0,0,0),(283,27,4,298,0,'*.*',1267579152,1,0,1,1,1,1,'','Re: credit crunch? Is anyone benefitting?','It is a fallacy to think that everyone suffers in a financial crisis, a bit like when they say \'It was a bad day for the bookies..\' there is NEVER a bad day for bookies if they get their sums right, that\'s why they have odds.\r\nI digress- apologies...\r\nhttp://www.thecreditcruncher.com\r\nThe point is that while one section of the population is suffering, certainly others will reap the benefit. After all, the credit crunch is hardly going to affect anyone who is cash-rich, and does not have a mortgage.\r\nThose who might benefit are first time buyers with a good steady income who have no trouble getting a mortgage. Also anyone that makes a living buying up stuff from insolvency sales and the like...\r\nThere are winners and losers in all scenarios, the difference with this crisis is that wages are static and prices are rising fast and that spells trouble for most of the population. You can easily see how this could fuel the over-borrowing that we already have - my advice would be to ensure that your finances are lean and mean - make a budget today and make sure your spending is under control.','d7e60dcfdaf2a74768dd0fd96d2ee5f9',0,'','',1,0,'',0,0,0),(284,18,3,299,0,'*.*',1267579300,1,0,1,1,1,1,'','Re: can i claim tax refund for buying car for work? if i buy from private then no resit how to claim?','No, only if the car is made part of a business.','928fbe61349485219e7cc34b96a7f1fd',0,'','',1,0,'',0,0,0),(285,50,4,300,0,'*.*',1267583192,1,0,1,1,1,1,'','Re: A question about property make over shows?','If you\'re talking about \"flip\" shows then I very much enjoy them.  I just got done with a flip.\r\n\r\n$186k asking price (foreclosure on a nice street with $300k homes).  I paid $160k cash (under asking), put about $34k into it over 5 weeks.  Sold it for $242k after all fees in about 3 weeks.\r\n\r\n$48k profit in a few months.\r\n\r\nI think you\'re a bit jaded.','7ee20711701c4ff19d47dd666492c27b',0,'','',1,0,'',0,0,0),(286,18,3,301,0,'*.*',1267586250,1,0,1,1,1,1,'','Re: can i claim tax refund for buying car for work? if i buy from private then no resit how to claim?','Keep track of the miles that you drive the vehicle for work. You can claim them on your tax return and still use it for personel matters.','3553c5b5f1213debafb50bfdcae4563f',0,'','',1,0,'',0,0,0),(287,18,3,109,0,'*.*',1267589364,1,0,1,1,1,1,'','Re: can i claim tax refund for buying car for work? if i buy from private then no resit how to claim?','If you are an employee (taxed under Schedule E) you cannot claim unless supplying a car is a condition of your job.  If it is, you should contact your tax office and ask for a Capital Allowances form.\r\n\r\nIf you are self-employed (taxed under Schedule D) you can write off the cost of the car against your profits over 4 years.','0f895d3f2110e80520376a603b9a95dc',0,'','',1,0,'',0,0,0),(288,3,4,302,0,'*.*',1267589374,1,0,1,1,1,1,'','Re: what is the best way to put your house and money away so that you don`t have to pay for care in old folks home?','I understand perfectly what your problem is. Expect comments from people like the one here who says \"so you expect us to pay for your care\". Then disregard them... What they don\'t realise is you have paid for this care during all the years you worked.\r\n\r\nI contacted a solicitor regarding this some time ago and she made the same comment. I was incensed, I don\'t expect anything for nothing from anyone.\r\n\r\nI notice they don\'t make insulting comments to people coming into the country who haven\'t paid anything in to the welfare system but abuse it nevertheless.\r\n\r\nIf you trust your kids, the option to sign it over seems a good one. I\'m in favour of this but my other half isn\'t - consider carefully!','dd1334c7f99472674450c4cd4169f78e',0,'','',1,0,'',0,0,0),(289,18,3,303,0,'*.*',1267595813,1,0,1,1,1,1,'','Re: can i claim tax refund for buying car for work? if i buy from private then no resit how to claim?','you shouldn\'t buy a car with out some sort of receipt and yes you can claim against tax, in the form of capital allowance but only a percentage per year and only if its solely for your work, not just coming and going to a place of employment ie if you are a window cleaner then you would need a vehicle to get around with your ladders etc','bc2cb75543d5dc49feb610f8895b3797',0,'','',1,0,'',0,0,0),(290,3,4,304,0,'*.*',1267595823,1,0,1,1,1,1,'','Re: what is the best way to put your house and money away so that you don`t have to pay for care in old folks home?','best speak to a professional, but im sure you can use a Trust fund in this situation to overcome the problem.','859c542316014ae46c0278bc96f3b363',0,'','',1,0,'',0,0,0),(291,74,4,305,0,'*.*',1267602103,1,0,1,1,1,1,'','part buy scheme?','ok so im on the list for a part buy house which in the next month i will find out if i have been succesful to go ahead and start procedings with a mortgage. as the poperty as a whole has been valued at £128,000 and i am looking to purchase 50% at £64,000, when i go for a mortgage for the £64,000 will this be classed as an 100% mortgage?','1f542be6a4daaf512b66455c64e686eb',0,'','',1,0,'',0,0,0),(292,43,4,306,0,'*.*',1267605859,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','unfortunately if your name isn\'t on the mortgage or the house deeds I don\'t think you will have much of a say what happens to the property as legally you are not named as the owner, can you not speak to a solicitor and look at your choices, there may be a way to get your name included on the deeds.','2d1984a149643f89772eeea9037f6f46',0,'','',1,0,'',0,0,0),(293,56,4,307,0,'*.*',1267609299,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','Ask the landlord for an agreed extension of the lease, informal or otherwise, either week to week, or month to month.  The only other option is to put your effects in storage and live with family, friends until you can complete on the sale ..... Good luck ..','a09b84dfa12b550ec952e5d5d3bd017c',0,'','',1,0,'',0,0,0),(295,20,4,309,0,'*.*',1267620823,1,0,1,1,1,1,'','Re: would installing central heating signicantly raise the price of a house?','About $10,000','99a9d611b2292774432bba4ac684d54b',0,'','',1,0,'',0,0,0),(296,75,4,310,0,'*.*',1267625498,1,0,1,1,1,1,'','dose anyone know of  any reputable companies that would buy my house?','I live in Scotland and I am tying to sell my house ,I need to sell quick and have heard that their are companies that buy houses to rent them out .Is this a realistick option and how much under the market value would I be offerd?','b141cee0397c1883f16ef33c1f9e14ea',0,'','',1,0,'',0,0,0),(297,65,4,294,0,'*.*',1267631509,1,0,1,1,1,1,'','Re: I need to borrow a loan to buy house? How do I do this?','There are many ways in which you can borrow money to buy a house.  The most mainstream is a \'mortgage\' which is a loan secured against the property you buy.  You have mentioned you wish to own the house outright. To own a property outright usually means owning it without any debt secured against it.\r\n\r\nIf this is what you wish to do you will need to raise the money either on other assets or other ways of borrowing eg a personal loan.  I cannot see any advantage to doing this and the costs of the loan will invariably be more as the loan will not be secured. Also if you defaulted on any loan the loan company would simply look to claim any other assets you have which of course is the property.\r\n\r\nI would recommend you speak with an independent mortgage broker to discuss the various options that may be available to you.  \r\n\r\nhttp://www.wwfp.net/mortgage/mortgage-advice.html\r\n\r\nDisclaimer:\r\nThe answers above are for guidance only and should not be acted upon without you receiving professional mortgage advice relevant to your circumstances.  To find an independent mortgage adviser please go to http://www.unbiased.co.uk','85c35fc6680c53ea7d0ab917a0dea7cc',0,'','',1,0,'',0,0,0),(298,59,4,311,0,'*.*',1267633390,1,0,1,1,1,1,'','Re: How likely would it be to get a planning permission for such a house in the UK?','Well it obvoiusley depneds on the area and the council but it wouldnt be out of the Question. Ive seen a few Huf Houses, which are a similar concept.\r\n\r\nhttp://www.huf-haus.com/gb/intro.html','cb954a97135b2f7db1107051de085451',0,'','',1,0,'',0,0,0),(299,64,4,312,0,'*.*',1267639264,1,0,1,1,1,1,'','Re: What is the score with parents lying about where they live to get their kids into the right school?','To right.','046ad8efe87e010be69a0f7dec3d32a4',0,'','',1,0,'',0,0,0),(300,64,4,313,0,'*.*',1267641797,1,0,1,1,1,1,'','Re: What is the score with parents lying about where they live to get their kids into the right school?','Yes, they\'re such hypocrites.','6b69788556f5bee9dfc81dc939125891',0,'','',1,0,'',0,0,0),(301,76,4,314,0,'*.*',1267643664,1,0,1,1,1,1,'','Is it the best decision to buy house now?','Is it the best decision to buy house now?','5c07cdcf44e5a46d2d40d318b19bf97f',0,'','',1,0,'',0,0,0),(566,94,7,81,0,'*.*',1270043278,1,0,1,1,1,1,'','Re: How can I make money from home?','Hi there,\r\nI work for a company called Infinity downline and It\'s by far the best work from home opportunity that I have came across after my 8 months of searching. Iv only been with this company 3 weeks and Im already making money! Not loads, but it\'s a good start. You really do have to be patient and willing to put the effort in. As you can\'t expect to make a nice permenant income online by doing nothing! Although, Full training is given and I am here to help you step by step to show you exactly how I done it! Have a look and see what you think\r\nhttp://www.infinitydownline2up.com/html/paul.html\r\nIf you have any questions email me at pstrachan-07@hotmail.co.uk\r\nGood luck!\r\nPaul Strachan','d57a2c39813fe46497b993ba0c44a7c5',0,'','',1,0,'',0,0,0),(304,68,4,317,0,'*.*',1267662058,1,0,1,1,1,1,'','Re: who is surprised that the bail out banks made a loss?','not surprised one bit.....','99217da4afe7c40893cfbe5d27d32aaf',0,'','',1,0,'',0,0,0),(305,77,7,318,0,'*.*',1267663020,1,0,1,1,1,1,'','How can I convince a small time car showroom owner to buy Digital Signage system from me?','I am trying to set up a business by selling digital signage solutions. To grow I need to sell my products to small time business owners. I have an appointment with a small time car dealer who owns a car showroom. The person seemed not much interested and unlikely to purchase the solution from me so is how can I convince him to buy the signage soln from me. Any taglines or any marketing strategy.\r\n\r\nThnks for your advice.','eb92e37deb318578df7923758317f198',0,'','',1,0,'',0,0,0),(306,0,6,319,0,'*.*',1267669541,1,0,1,1,1,1,'','','no I do not have one, but this could help a person that is looking to get his/her credot back up.','a985a1bad4cdd10ab1f335dfe70cb1b6',0,'','',1,0,'',0,0,0),(308,56,4,321,0,'*.*',1267669816,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','The only thing you can do is either, try to negotiate with your landlord, find a cheap motel to stay in if its only for a few days or ask relatives or friends if they would be prepared to put you up for a short time. You don\'t say how much longer you will need the property for, but if you want to stay in your present home, take care that the landlord doesn\'t bind you to another tenancy agreement which you cannot get out of.','53d878f84baf43071da2a397cff3c00d',0,'','',1,0,'',0,0,0),(311,0,6,324,0,'*.*',1267675677,1,0,1,1,1,1,'','','Wal-Mart has ONE.... that YOU prepay!\r\n\r\nThanks, RR','14fcca3c03404a07ed68677585a851b8',0,'','',1,0,'',0,0,0),(312,0,6,325,0,'*.*',1267676315,1,0,1,1,1,1,'','','when you get your card you may be asked to upgrade,lik submit a utillity bill or some sort of residenceID ,but just use it like any other card ,great for online shopping,i usu it for hols, and concerts online,and you cant get into unwanted debt','5d983373654c4fd93e6e52893ab11baf',0,'','',1,0,'',0,0,0),(313,78,4,326,0,'*.*',1267681419,1,0,1,1,1,1,'','Complicated - this one.My sister in law went into business with my brother in law buying house to let....?','They have since fallen out but still have one house left that they are trying to sell. My sister in law can`t afford to pay her half of the mortgage anymore and as a single parent she is worried that if she stops her half of the payments that her own home that she lives in will be taken off her. There are no loans secured on her home for the buy to let property and she is still up to date on her own mortgage. This is such a worrying time for her as she expected the house to be sold straight away .What can she do?My brother in law is still going to go on and buy to let houses on his own - so is not worried about the sale that much. He has 2 wages coming into his house,so isn`t struggling the same as my sister in law.Can someone please help?','36b8dfe35e2ef10112fd36447ec5fecd',0,'','',1,0,'',0,0,0),(314,79,7,327,0,'*.*',1267681474,1,0,1,1,1,1,'','Tell me the site,like clickbank.?','I want to buy digital products.','74556145c9126de9b6ec376948d34cbe',0,'','',1,0,'',0,0,0),(315,77,7,328,0,'*.*',1267681962,1,0,1,1,1,1,'','Re: How can I convince a small time car showroom owner to buy Digital Signage system from me?','Hit him with data and statistics.  Provide examples of increased sales other businesses have realized after erecting a digital sign.','a0575ab1baadd28a8e17aefb78238b26',0,'','',1,0,'',0,0,0),(316,80,6,329,0,'*.*',1267682443,1,0,1,1,1,1,'','what is the current interest rate in usa on mortage?','which mortage to get from uk or usa to buy holiday villa','31183b3ad3f7e93033894d3fbeac54ac',0,'','',1,0,'',0,0,0),(317,56,4,330,0,'*.*',1267683388,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','If your lease is up, ask your landlord/lady about the possibility on signing a rolling contract, i.e. on a month to month basis. This should give you both peace of mind. They\'ll be getting money and you\'ve still got a roof over your head. \r\nThats providing your leaving on good terms etc?','9329c198464ba74d8796dd2193b15d03',0,'','',1,0,'',0,0,0),(318,80,6,331,0,'*.*',1267683569,1,0,1,1,1,1,'','Re: what is the current interest rate in usa on mortage?','I live in Houston, TX.  I\'m getting 5.625% for 15 years fixed.','397b1697ad11dc6b59668bad6c90b648',0,'','',1,0,'',0,0,0),(320,64,4,333,0,'*.*',1267688998,1,0,1,1,1,1,'','Re: What is the score with parents lying about where they live to get their kids into the right school?','I see your point but then many genuine kids miss out because of this fraud.','594eaf3f519040093bdfb630e9b443ab',0,'','',1,0,'',0,0,0),(322,81,6,335,0,'*.*',1267689719,1,0,1,1,1,1,'','credit cards help everyone please read?','i currently have two credit cards, one with my bank tsb and one with capital one.  now i use capital one for online purchases as its the best fraud dector card.  but my question is, i want to close down capital one, and get a bmw credit card as it rewards you for petrol etc, and i also want an airline credit card to spend only to buy holidays and flights etc.  Now my question is, if i get all of them, and that means i will have 3 or 4 if i keep capital one, will this affect my credit history or strengthem it as im only 18 and i always pay my bill straight away.  \r\n\r\nthanks.\nthanks for all the help so far, can i ask another question.  if i have say 4 cards all being used for small amounts every month willnt that make my credit history stronger than if i just have one??????? thanks.','68959ff28e85c5ca0a1c6c62e02ec7fd',0,'','',1,0,'',0,0,0),(323,82,7,336,0,'*.*',1267689722,1,0,1,1,1,1,'','Shipping a newly bought digital camera from USA to Canada?','How much is the tax for getting a new camera bought in the US in to Canada?\r\n\r\nOntario state taxes PST+GST=14%\r\n\r\nAny other tax applies?\r\n\r\nIs it legal to import it?','0171d5d549b0c8f30062c6fa984beec5',0,'','',1,0,'',0,0,0),(324,60,4,337,0,'*.*',1267694318,1,0,1,1,1,1,'','Re: If a couple breaks up , can one continue the mortage and stay in property if company buys house and..?','What company is purchasing the home?\r\n\r\nMortgage companies are in the business of lending money and collecting payments. Mortgage companies and banks are not landlords, nor property management companies. Mortgage companies have no interest in collecting rent, nor can they collect rent per the agreement with the investors who have interest in the mortgages.\r\n\r\nIf someone wants to find an individual investor interested in purchasing the home and, in turn, renting it to the remaining spouse, there is nothing wrong. But that ain\'t gonna happen, unless a family member or close friend is willing to step in so that the person can remain in the home.','5c621b15e1e1bac918cf39ba0df6d7ea',0,'','',1,0,'',0,0,0),(325,0,6,338,0,'*.*',1267696086,1,0,1,1,1,1,'','','Hi... Do me a favour... Pay it off in 10 months or less then close the account.\r\n\r\nYou will end up adicted to Credit, then you will end up Screwed by Credit, Alliance and Leicester will End up trying to take you to court to reposess your house, and eventually your life wont seem worth living.\r\n\r\nAnd I do know what I am talking about....\r\n\r\nThis is my life. \r\nGet rid of credit cards, loans, Over drafts..\r\nEventually you will get shafted.  I know I did.','26ee7d8a397f753d8cf0ec7ec9f5190e',0,'','',1,0,'',0,0,0),(326,82,7,339,0,'*.*',1267696089,1,0,1,1,1,1,'','Re: Shipping a newly bought digital camera from USA to Canada?','I receive many items from the US.Honestly I would suggest you send it and mark it as a gift ! You can still place insurance on it if it gets lost and by marking it as a gift the person receiving it does not have to pay .If not the do charge the provinces taxes on what you declared as the retail cost\r\nYes it is legal I have received many digital cameras shipped from the states to me','7b3865935fc3d46a9b4b173dc206159f',0,'','',1,0,'',0,0,0),(327,38,4,340,0,'*.*',1267696854,1,0,1,1,1,1,'','Re: Why do estate agents ask if you are buying house for staying or investment?','Unless the home is to be your primary residence you would not qualify for a typical mortgage.  As an investment property your lending options are limited,  Your down payment requirements are higher, your house insurance is also different.   The realtor needs to know if you qualify for the more difficult mortgage  rather then waste her time','fb9e004b88b9ada61fea167a77f051ef',0,'','',1,0,'',0,0,0),(554,94,7,525,0,'*.*',1269972479,1,0,1,1,1,1,'','Re: How can I make money from home?','bro, i dont know but i am fifteen and trying to find out the same thing.','df04c566859a8c2981fc161d94a801f5',0,'','',1,0,'',0,0,0),(555,94,7,526,0,'*.*',1269981399,1,0,1,1,1,1,'','Re: How can I make money from home?','I just started doing FusionCash (online surveys) where you can either do surveys for cash or refer people to the site for cash. You can get paid through paypal if you want. My blog explains it all: http://fusioncashtips.blogspot.com/\r\n\r\nYou can also sell items on ebay and amazon.','dfcf99b6f0416b1beee54447e01a65a8',0,'','',1,0,'',0,0,0),(329,81,6,342,0,'*.*',1267701470,1,0,1,1,1,1,'','Re: credit cards help everyone please read?','Every time you apply for a credit card, it has a negative affect on your credit rating.','72a6a1812826182b2d4fd913780fcd64',0,'','',1,0,'',0,0,0),(330,80,6,343,0,'*.*',1267704310,1,0,1,1,1,1,'','Re: what is the current interest rate in usa on mortage?','Today\'s Rates  (I\'m in NY)\r\n\r\n30-yr Fixed   5.76%5.96%\r\n15-yr Fixed   5.49%5.78%\r\n5-yr Adj         5.51%   6.87%\r\n\r\nTry bankrate.com for more information.\r\n\r\nThe first number is the rate.  The second is the APR.','45c4c98135a3a596cfc1e0c54950a75e',0,'','',1,0,'',0,0,0),(332,58,4,345,0,'*.*',1267708949,1,0,1,1,1,1,'','Re: Buying a house. UK only please?','Do you need to open the back door to buy the house?   You could complete and then have the locks changed so you have new back door keys.\r\n\r\nThe keys could well have been lost for the back door and windows but I wouldn\'t let that put you off completion.  \r\n\r\nYour other option is to speak to the agent again, when they say \'well there should be for a second time\' reply what you have said on here, \'that does not change the fact that there are not, please can you find out where the keys are!\'  be a bit more pushy, no estate agent can afford to fob people off in this economic climate, they should be working their hardest to help push the sale through!','0b36bbd11cfc0ccbb14f4fdec81df391',0,'','',1,0,'',0,0,0),(333,0,6,276,0,'*.*',1267709003,1,0,1,1,1,1,'','','I think Pre-pay credit cards are getting pretty common these days,. you can buy them from your local post office and or travel agent,. you can buy them in Sterling ./ Euro / Dollars,. pretty good idea really.\r\n\r\nI\'ve used a Euro one and a Dollar one, but only in shops, not for anything as big as a holiday,.\r\n\r\n=)','5f120a2e882e424df33f5c0e697e65be',0,'','',1,0,'',0,0,0),(334,80,6,346,0,'*.*',1267710136,1,0,1,1,1,1,'','Re: what is the current interest rate in usa on mortage?','Depends on too many factors you are not including such as:\r\n1-Are you buying in the U.S. as a foreigner?\r\n2-How much down payment are you planning to pay?\r\n3-Where are you buying?\r\n4-What type of property are you buying?\r\netc\r\n\r\nMy recommendation try to go through and international bank such as Citibank or ING Direct for example and ask them the question directly.','84a8bf6184115fce5df6500be4401056',0,'','',1,0,'',0,0,0),(335,0,6,347,0,'*.*',1267714008,1,0,1,1,1,1,'','','I have always found the best way is to go to bank and take a specific loan. Put a standing order with the bank to take monthly payments out. I have normally found this to be the safest way.','eaaea8258b498671a61a8158c1f1db63',0,'','',1,0,'',0,0,0),(337,0,6,349,0,'*.*',1267718084,1,0,1,1,1,1,'','','They are very good if you have an adverse credit history or you don\'t want to risk your main card online.\r\nThe only difference is that YOU decide the credit limit rather than the bank.\r\nSo if you need one to pay for holidays, car hire, online shopping, they work just like any other MasterCard, and no, the shop,travel agent does not know they are prepaid.\r\nJust transfer your funds onto the card before shopping. \r\nThey do not re-build credit histories because you are not getting credit.','46ac67c77ac8dd71529d1fb8cafc0230',0,'','',1,0,'',0,0,0),(338,59,4,350,0,'*.*',1267721653,1,0,1,1,1,1,'','Re: How likely would it be to get a planning permission for such a house in the UK?','Should think that if you have your own land (separate from other structures) should just be a formality. If you were to build on a street/road with other housing it would need to be in keeping them, but an architect  should be able to tell you straight away if it would be accepted or not as they have previous experience.','a5b4cea9630c432136dc15192a97c261',0,'','',1,0,'',0,0,0),(339,81,6,351,0,'*.*',1267723136,1,0,1,1,1,1,'','Re: credit cards help everyone please read?','Yeah it will impact your credit score. Closing (several) accounts lowers your credit score. If you dont owe anymore apply for another one but keep this one open. Close it once you have the one you want. Hope that helps. good luck :)','4e9b9d12fa39c88b0c066c28bee8a8c0',0,'','',1,0,'',0,0,0),(340,83,4,352,0,'*.*',1267724637,1,0,1,1,1,1,'','So r we going to see cheaper new houses?','The profits these companies have been making has gone where? A slight down turn and they r bleating already. They buy lands banks many years before they actually build on them.\r\nAffordable housing is what people are wanting so why dont they build houses that are affordable instead of the grossly expensive new houses and flats of recent times.\r\nSurely this is good news for first time buyers  and about time too.  \r\n\r\nMind u anything to do with buying houses/flats is based on percentages so obviously all the sharks that r involved in the house chain will not be getting such a big piece of the cake.  Still they have had the good times. Now lets see if first time buyers can have the good times too.\nhttp://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/06/16/cnhouses116.xml','f79a38b377433a3d6a281e128b2ade62',0,'','',1,0,'',0,0,0),(342,20,4,354,0,'*.*',1267731100,1,0,1,1,1,1,'','Re: would installing central heating signicantly raise the price of a house?','It would improve the value, but you will not get anything ABOVE what you paid to have it installed.','d72c0a17f543ebeadffb04a46f78d973',0,'','',1,0,'',0,0,0),(343,0,6,355,0,'*.*',1267735815,1,0,1,1,1,1,'','','Prepaid credit cards work well. They are excellent for someone who is inclined to over spend, or keep their spending under control. That way you only spend what you have in the bank, nothing more and nothing less.','76ec1bff2771c35a0fa4d77b39d2420a',0,'','',1,0,'',0,0,0),(344,81,6,356,0,'*.*',1267737576,1,0,1,1,1,1,'','Re: credit cards help everyone please read?','applying for a credit card lowers your credit rating but if your accepted and as you said make regular payments then this has a positive effect and will improve your scoring','faf62ca6f0742168ed4338041005adf7',0,'','',1,0,'',0,0,0),(345,81,6,357,0,'*.*',1267738227,1,0,1,1,1,1,'','Re: credit cards help everyone please read?','if your only 18 you shouldnt need 3 or 4 cards. pick the best one and get rid of the rest. my boyfriend had 4 cards and by the age of 23 had debts of €60,000. he was never late on a payment but just let it spiral out of control. what ever you do dont get a loan to pay off a card you have spent too much on, thats what he did and it has now messed up his credit rating for the foreseeable future','f585918c7159370e873fa67308ffb24d',0,'','',1,0,'',0,0,0),(346,56,4,358,0,'*.*',1267742081,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','Please use a grammar-checker and a spell-checker. It took several readings to figure out what the heck you meant.\r\n\r\nMore leases convert to a m2m automatically if no action is taken. Merely let the landlord know this is your wish. \r\n\r\nAnd DON\'T give your 30 day notice until AFTER you sign the closing papers. Too many people think the closing date is set in stone and cannot be altered. There are a zillion things that can go wrong. \r\n\r\nSo even if you must double-pay for one month I would strongly recommend it.','12ffc312b28bc2b7f9053e100df454d0',0,'','',1,0,'',0,0,0),(347,56,4,359,0,'*.*',1267744254,1,0,1,1,1,1,'','Re: im in rented accomadation and the least is nearly up.buying house, but will go over the least time. what can i?','If the short-hold tenancy is up it automatically becomes a rolling tenancy.  No need to sign a new agreement - if you do you may be tied in for another 6 months or so. \r\n\r\nWith a rolling tenancy  you still have exactly the same rights in housing law as you did before the current lease expired. Which means (in UK housing law) on a rolling tenancy your landlord still has to give you 2 months notice to vacate, and generally speaking you will have to give him 1 month. In other words you do not have to be out on the date your lease expires - even if he serves you notice to quit when your lease expires you will still have 2 months breathing space (and more if you refuse to go).\r\n\r\nSo carry on living there and when you have a completion date on your new house give one months notice to him accordingly.\r\n\r\nEdit - erm, don\'t get it - thumb down for a perfectly factual answer?  Getting really peed off with Answers!!!!!!','c2c4f4261697d44325fac8e8c2702d25',0,'','',1,0,'',0,0,0),(349,64,4,361,0,'*.*',1267750840,1,0,1,1,1,1,'','Re: What is the score with parents lying about where they live to get their kids into the right school?','What \"government\" are you referring to?\r\n\r\nThe States control public school registration and attendance criteria.\r\n\r\nSo, what \"ridiculous government\" are you referring to?\r\n\r\nNot every state has rules that where you live determines where you go to school!\r\n\r\nSo what exactly is your point?','41cecbca2928c0d49fd2fa5a26ced4a6',0,'','',1,0,'',0,0,0),(350,81,6,362,0,'*.*',1267750899,1,0,1,1,1,1,'','Re: credit cards help everyone please read?','Close the credit cards.\r\n\r\nUse a Visa debit card that is linked to a bank account.\r\n\r\nThey have the same protection as credit cards.\r\n\r\nDo not start off your adult life with credit card debt.','b1ca97808e0337146dcded7aa0059d62',0,'','',1,0,'',0,0,0),(551,92,4,522,0,'*.*',1269182088,1,0,1,1,1,1,'','Re: UK;Should the housing market be so closely linked to our economy?','I think you should ask someone works in the bank instead.I\'m sorry I can\'t help you, I don\'t know well about this subject.But you can come here ( www.myinterestonlymortgage.com ) and have a look, may be helpfull.','8ab461eeefc0cb4c2ac417ec303a6ff3',0,'','',1,0,'',0,0,0),(353,29,4,365,0,'*.*',1267765141,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','While they were waiting for prices to come down they could have camped on the village green, or in a friends garden perhaps !','4afb14724600fc9b338c720c596df6db',0,'','',1,0,'',0,0,0),(357,47,4,368,0,'*.*',1267779793,1,0,1,1,1,1,'','Re: good time to buy houses?','Yeah do it.  You can never predict what the housing market will do so if you are in the means to buy it out right with cash, then do it.  You can usually get more than 25% off if you buy with cash and can close in 2 weeks.','678528dcbc10060e63b6688418bf5457',0,'','',1,0,'',0,0,0),(358,37,4,369,0,'*.*',1267809916,1,0,1,1,1,1,'','Re: who is is fed up of hearing about getting on the housing ladder?','Falling off the housing ladder is a distinct possibility at present.','a35fd42053b869df0cf6e5159b1b33df',0,'','',1,0,'',0,0,0),(359,21,4,370,0,'*.*',1267813786,1,0,1,1,1,1,'','Re: trying to buy house?','I think the numbers speak for themselves. If you only have enough money to pay your rent but not your other bills then you are not a good risk for a loan. Remember that it will cost you more to own a house in the beginning then to rent because you will have expenses beyond the 850 per month.\r\n\r\nYou really don\'t want to put yourself in that position until you have paid down or paid off your debt and have some surplus funds.','756961ccccd4c043975a225f04a79503',0,'','',1,0,'',0,0,0),(360,76,4,371,0,'*.*',1267819276,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','Well best is a little subjective, but yeah, the market is really favoring buyers right now IF you can get approved for the credit.','dcddc66cc6b929cb4451ad044bfea10d',0,'','',1,0,'',0,0,0),(361,29,4,188,0,'*.*',1267823785,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','Same reason why YOU are paying full price NOW for Xmas presents when you will be able to get them all at 50% off in the \'January sales ???\r\n\r\n... if only I had a Time Machine ...','c648193fb8a5237f7adb8602f78f48f4',0,'','',1,0,'',0,0,0),(362,84,4,372,0,'*.*',1267828055,1,0,1,1,1,1,'','How do I calculate the CGT on a second property?','I purchased a right to buy house from the local council about 5 years ago at 40% discount (£60k instead of £100k). I now wish to sell this for about £120k. What would my CGT liability be? Will it be based on the market value at the time or price actually paid?\r\nPS. I have since purchased another property in which I live and is my main residence, so I am assuming this would be treated as a second home. Many thanks','e6dcc4a5b2637cf39a02b797d3e3b4a6',0,'','',1,0,'',0,0,0),(553,94,7,524,0,'*.*',1269966966,1,0,1,1,1,1,'','How can I make money from home?','Im 15 years old, and I have alot of things I would like to buy (digital camera, new guitar, video games, sports equipment, etc), and I am wondering how I can make some money from home. I will only do it if I am being paid through paypal. How can I make some money from home. I know about online surveys but those just ask for personal information and constant registrations. What are some ways or sites that I can earn real paypal money with. And please be specific, for example, include a link or description. Like instead of saying \"online surveys\", please say the website.','37a665b964272eb13e6be3cd5576bbca',0,'','',1,0,'',0,0,0),(364,72,4,374,0,'*.*',1267836401,1,0,1,1,1,1,'','Re: joint ownership of real  estate uk?','See a solicitor asap and if you can prove your siganture was forged report the matter to the police','075470fcbd9ed18323b0cfd4b7ac2873',0,'','',1,0,'',0,0,0),(365,29,4,375,0,'*.*',1267843393,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','People had no idea it was going to drop so far. and also there was such a high demand that it drove the price of houses very high. The reason for the major drop in the market is the sub-prime loans people are hearing about. it\'s basically people that lived extremely out of their means. If your making 35,000 a year you shouldn\'t buy a 700,000 dollar house, that\'s just common sense. But because of this, people got kicked out of their houses which lead to it being reported on the news, people hear about it and think oh my god if I buy a house I could get kicked out too, which lead to a drop in demand which lead to lowered values of homes. when in reality if you live within your means and you get a good loan, a house is actually a really good investment. If you currently own a home i suggest you hold on to it if you can comfortably make your mortgage payments and just wait for the market to recover. Right now the people that are buying houses are investors, big money investors just buying up all foreclosed homes and short sales. Because if you buy 15 houses for say 200,000 a piece and they all appreciate for at least 100,000 then your making a 1.5 million dollar profit which is very appealing to anyone that has that kind of liquid money. sorry for the long answer.','06c01b0b4079aa78a6f5bd6dcf41d1f7',0,'','',1,0,'',0,0,0),(565,94,7,536,0,'*.*',1270039039,1,0,1,1,1,1,'','Re: How can I make money from home?','Points2Shop is a good way to get free items and/or cash. You can get free stuff off Amazon (.com or .co.uk) - anything that is available to buy on their site can be bought using the points you make on Points2Shop.\r\n\r\nYou can get 250 points or $2.50 in cash just for signing up which means you can get something for free without even doing anything :)\r\n\r\nHowever, if you wish to get more you can play games and complete offers and surveys. If you don\'t like giving out loads of personal information then there are plenty of offers you can do still which are quick and simple and only ask for things like your email address.\r\n\r\nIt is free to join and you don\'t have to pay to get more points/cash either so you can\'t possibly lose out.\r\n\r\nThis site is not a scam - the site make money from people visiting sites and they give a percentage of that money to you when you complete an offer.\r\n\r\nYou don\'t even have to be over 18. If you are over 13 and have your parents approval you can also join. Items you order are through Amazon and cash is through paypal which are both trusted sites.\r\n\r\nSo why not give it a try? \r\n\r\nGo to http://www.points2shop.com/?ref=uin1268177848\r\n\r\nAny questions, just ask or go to http://www.points2shop.com/wiki/Frequently_asked_questions','737cf840e6086ba3d1f330c41ad96ad6',0,'','',1,0,'',0,0,0),(367,29,4,377,0,'*.*',1267852796,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','Some people were in bad situations, and had to get out no matter what it cost them.  Some people are there now... and still can\'t get out.','5f294cc4c06d6249c958a85bf7042b4d',0,'','',1,0,'',0,0,0),(368,29,4,378,0,'*.*',1267855664,1,0,1,1,1,1,'','Re: Why did people pay so much for houses a few years earlier and now wait it out for the housing bubble to finish?','How would expect that houses prices would crash if they had been going up steadily for over a decade? \r\n\r\nWe aren\'t psychics.\r\n\r\nselling isn;t the issue - it\'s selling for the price you want or need to pay off the mortgage.\r\n\r\nover 11 million people (including me) owe more on their mortgage than the house is worth\r\n\r\nDon;t you think If EVERYONE KNEW what you claim they should have known , then they wouldn;t have kept bidding up prices on houses faster than the historical 3-4% annual gains??\r\n\r\nThere was no \"HOUSING BUBBLE\" known to the general public in 2006\r\n\r\nIt\'s so easy to come up with all your theories in hindsight\r\nIf you\'re so smart, why didn;t YOU want the country back in 2004 or 2005 that we were headed in this direction?','a19e51b7b52da95dc3dc974305ebda60',0,'','',1,0,'',0,0,0),(369,15,4,379,0,'*.*',1267861822,1,0,1,1,1,1,'','Re: NINJA loans and the Credit Crunch - Whos got the cash?','First of all, no one persuades anyone to take out a loan they cannot afford. If they know they cannot afford it, they have to be dumber than a box of rocks to do it. There is no telemarketer on this planet that can force someone with NO INCOME, NO JOB and NO ASSETS to get into a cab, (I am assuming they cannot afford a car) and drive to a bank or broker to take out a mortgage when they have absolutely noway of paying it back. \r\n\r\nThese dumb people begged for these loans, no one pushed them. They would go to brokers saying their friends, co-workers, neighbors all got these great loans where they didn\'t have to prove their income. They didn\'t even have to have any income. When they were told it wasn\'t a good idea, they just went to the next person that would tell them what they wanted to hear. \r\n\r\nAs far as where the money went; no where, it\'s all on paper. Inflated property values and ficticious equity. Maybe a few cashed out at the right time and sold before the market went south, but the maority now have padlocks on their homes. No one got rich except a few \"higher ups\" at Countrywide. Not the brokers, not the agents, not the investors.','84604dc3706f2402478af874f7f73b4b',0,'','',1,0,'',0,0,0),(370,64,4,380,0,'*.*',1267864033,1,0,1,1,1,1,'','Re: What is the score with parents lying about where they live to get their kids into the right school?','I do get your point, but as others have pointed out, this means other kids who in reality live near schools or otherwise meet the criteria for admission miss out.\r\nThe other thing to consider is the stress these parents put on their own children. Can you imagine being 10 or 11 years old and told that you have to lie to everyone about where you live or who you live with. That\'s a lot to put on a child. Imagine how bad they feel if they don\'t get in to the school, do they then feel it\'s their fault?','0e355b326e08ee05596ee380558baa4f',0,'','',1,0,'',0,0,0),(371,69,4,381,0,'*.*',1267876117,1,0,1,1,1,1,'','Re: I want to borrow a loan?','Not really.  You will need some cash to put down.  At least 20% of the loan.','848c4a41bbac4c9f6b9c0c4a86dd9d38',0,'','',1,0,'',0,0,0),(373,28,4,383,0,'*.*',1267883042,1,0,1,1,1,1,'','Re: is right time to buy house?','If you have job security, a down payment, good credit, you can do real well now.  Prices are low and interest rates are low too.\r\nGet pre-approved, get a good realtor and good luck.','d5d67c758af4a031d081ba5d0c763de1',0,'','',1,0,'',0,0,0),(374,0,4,384,0,'*.*',1267888459,1,0,1,1,1,1,'','','if you pay CASH MONEY yes! as soon as that doc is recorded its yours!  in Trust Deed states like Calif, the property is your also, but the mortgage co holds a Lien against it and iffin you dont pay up they have first dibs when selliing your house aka foreclosure!','a6bc1343a184b85a26658ca041320692',0,'','',1,0,'',0,0,0),(375,14,4,385,0,'*.*',1267894768,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','People are buying right now.  Mostly in heavy military communities.  The turnover for Military is always high so you constantly have people moving and coming in.  Be sure to advertise or get an agent that is familiar with these patterns so they can advertise or list your house in base publications or sites where your house is seen by these clients, if thats what your purpose is.','4e6643515db1952b2b93d21a07705cfe',0,'','',1,0,'',0,0,0),(376,48,4,386,0,'*.*',1267901334,1,0,1,1,1,1,'','Re: Are being actually buying houses in the UK at the moment? Want sell mine but wondering how long it\'ll take','My mate sold his flat in 3 weeks recently:)\r\nSo good luck and i wish you all the best.','b72b198b5863b90a9f58fdb9d25e344f',0,'','',1,0,'',0,0,0),(377,76,4,387,0,'*.*',1267907356,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','id wait a little bit longer, the way the current finance is going, the only way is dooooown','21a07705a31eb2790c2fd9c0b9605346',0,'','',1,0,'',0,0,0),(378,50,4,388,0,'*.*',1267913398,1,0,1,1,1,1,'','Re: A question about property make over shows?','People have been buying homes more than they can afford for a while...its not due to these shows, but to their own stupidity. People need to take accountability for their own actions and not try to pawn it off on some show or a loan officer who qualified them for more than they could afford.','446665a932fd0682ed6e18dd3a2246cb',0,'','',1,0,'',0,0,0),(379,75,4,389,0,'*.*',1267913884,1,0,1,1,1,1,'','Re: dose anyone know of  any reputable companies that would buy my house?','I contacted a few companies myself when I struggled to sell my property in northumberland and the offers I was getting were just a joke.\r\n\r\nHave you considered putting it in a property auction, they are quite popular and the buyer must complete in a short period of time.\r\n\r\nOr, put it on with a local agent at a cost priced to sell.\r\n\r\nOr, sell it yourself, I used \"houseladder\" and they advertise on all the big search enguines, I cant recall the cost but it was around £60 at the time.\r\n\r\nGood luck, Aly','2c19be1666c7c136b12f1c9a212e94f1',0,'','',1,0,'',0,0,0),(550,93,4,521,0,'*.*',1269139275,1,0,1,1,1,1,'','Re: Need help on buying house in UK?','In the UK, property sales are not binding until the contract is actually signed, which can be weeks or even months after you agreed to buy.\r\n\r\nYour situation may be slightly different depending on what the \'reservation form\' actually says.  Crucially, did you pay anything for the reservation or was your £1000 entirely a deposit?  If you paid anything at all for the reservation, it\'s may well be a binding contract (unless it is clearly worded to give them a get-out) to hold the property for you subject to certain conditions. You really need to talk to a solicitor.  \r\n\r\nIt sounds like a try-on.  The UK property market is not so buoyant as to have people competing for a property that has not even been built yet. You have agreed to buy a specific property at an agreed price, subject-to-contract.  If they will not be honest with you, it\'s best to walk away and get your money back before you get so far down the line that you feel you can\'t get out.  But talk to a solicitor first.  It will be worth it.','0169ba60ef7427ba14d2a891b878a007',0,'','',1,0,'',0,0,0),(381,66,4,390,0,'*.*',1267943003,1,0,1,1,1,1,'','Re: Mode of entry into international markets?','i was in a simliar situation, but what you have to do if differentiate friendship and business.\r\n\r\nstart a small company as a consultancy firm.','5ab6333c4e7c1b8a0d455928247967b6',0,'','',1,0,'',0,0,0),(382,67,4,391,0,'*.*',1267949128,1,0,1,1,1,1,'','Re: Partner pulled out of buying house......?','What happens down the road is anybodies guess. You need a place to live if you like it, can afford it, do it. Your going in knowing you owe. Just hope you two get along great and down the road don\'t stick one or the other with the whole ball of wax as they say. Like they say you can only rely on death and taxes. HA','ea1940ef9dd68e328ceebb6b1d97e98e',0,'','',1,0,'',0,0,0),(383,32,4,392,0,'*.*',1267955267,1,0,1,1,1,1,'','Re: buy house in uk is correct  time?','Well yes and no really, it depends on if you have the money for it and your bills will be different and stuff. If you really need to move then you should go a head and do it. but if you don\'t really have the money and get afford it then stay as you are. Life might get bad or good for you.\r\nGood Luck, x','c51af22c192435e2add8ba25bcda7352',0,'','',1,0,'',0,0,0),(384,67,4,322,0,'*.*',1267962987,1,0,1,1,1,1,'','Re: Partner pulled out of buying house......?','it will always be a gamble as to how much the housing market is going to drop, and if the present owner will still sell if it goes down to much, they may decide to hold onto the property and keep renting out instead, and may increase the renting value?','aad2f35b797cd53946a24eca520c33e0',0,'','',1,0,'',0,0,0),(385,50,4,393,0,'*.*',1267964300,1,0,1,1,1,1,'','Re: A question about property make over shows?','There are far too many home makeover programmes, and buy&sell your house programmes on TV nowadays.\r\nIt seems like there\'s nothing else being made by the TV companies anymore.\r\nThere\'s only so many times I can listen to some gay scotsman telling me he\'s shjooshjed up a headboard with some glittery purple fur and a roll of fairy lights.','7e242c8158b640e31351f367cb50040e',0,'','',1,0,'',0,0,0),(386,20,4,394,0,'*.*',1267970796,1,0,1,1,1,1,'','Re: would installing central heating signicantly raise the price of a house?','In the UK you would be subject to Capital Gains Tax plus the legal costs of buying and selling plus agent\'s fees plus your time and materials. So no you would lose money for sure.\r\nWhat you could do is pop a flier through the front door of all the local places for sale that have no CH in addition to your advertisements. An ad on your car or van would also be useful.','0bbc594275495bcd6d773707914cec0c',0,'','',1,0,'',0,0,0),(387,58,4,395,0,'*.*',1267974414,1,0,1,1,1,1,'','Re: Buying a house. UK only please?','I am sure they will turn up.\r\nBut I would be inclined to get the locks changed anyway.\r\nI always do when I buy another house, You dont know who has got keys.','ad44ef8e04b64dd3fbf083308f63b85a',0,'','',1,0,'',0,0,0),(388,31,4,396,0,'*.*',1267981359,1,0,1,1,1,1,'','Re: what can i do if my receintly bought house has a severe damp problem not picked up during the presale survey?','see a solicitor','2b0ceba80549a881e969558eb9d8526c',0,'','',1,0,'',0,0,0),(389,85,4,397,0,'*.*',1267987383,1,0,1,1,1,1,'','Has anyone used one of those companies that buy your house when you\'re desperate?','I need to sell my house and cannot find a buyer.  I know I will get a low proportion of the current value in a depressed UK market if I sell to a company that buys houses from people in my situation.  Has anyone used such a company?  I would like to know of their experiences, who they used, and any advice they can offer me.\r\nThanks\r\nJC','211835d31c38bb4019d93269ff527f56',0,'','',1,0,'',0,0,0),(390,63,4,398,0,'*.*',1267994022,1,0,1,1,1,1,'','Re: Would we be better of selling and renting a house?','Whilst owning your own home is technically classed as an investment...loose term these days it may be cheaper to rent a property of the same standard.\r\nMy own personal experience of not having any children in my relationship is that if I owned a property, who would I leave it to or who would benefit from the eventual sale....hence my choice to rent.\r\n\r\nIf your personal circumstances warrant renting and you having a better lifestyle then Go For It.','bf0f503745d28ba96935f56a5378574d',0,'','',1,0,'',0,0,0),(391,58,4,254,0,'*.*',1267996945,1,0,1,1,1,1,'','Re: Buying a house. UK only please?','I would suspect, although I don\'t know for sure, that they\'re not obliged to provide keys.\r\n\r\nThis is because anyone purchasing a house would make changing all the locks their first priority, as you don\'t know who holds a copy of the keys ... past owners, past tenants, neighbours, estate agents, etc.  I understand that as a repossession, the locks have already been changed to ensure that the former owner cannot get access, but this doesn\'t change the fact that you still have no idea who could have a set of the new keys and you\'d be most sensible to change the locks again.','7be123134290f7da31064736b2a85761',0,'','',1,0,'',0,0,0),(392,78,4,399,0,'*.*',1268000426,1,0,1,1,1,1,'','Re: Complicated - this one.My sister in law went into business with my brother in law buying house to let....?','If your brother in law is staying in this sector why does he not remortgage the buy to let on a tracker deal with no redemption penalties, and buy your sister out he can still sell when he finds a buyer. If there is not enough equity in the property at this moment in time, get them to sign an agreement that your brother in law will pay your sister in law the balance owed at a future date or set up a monthly repayment schedule.\r\n\r\nIs there not a tenant in the property at the moment ?- if so this should be paying for the BTL mortgage payments while they wait for a sale. If they get a tenant this will also be a better proposition for your brother in law to buy your sister in law out if he wants to keep the property in a BTL portfolio','c84845f90d00763dd297516e9297a69b',0,'','',1,0,'',0,0,0),(393,59,4,400,0,'*.*',1268006417,1,0,1,1,1,1,'','Re: How likely would it be to get a planning permission for such a house in the UK?','It is not easy and would take a lot longer than the 8 weeks that it is supposed to take.\r\n\r\nIt does indeed vary quite significantly from one planning area to another and also from one locality to another within the planning area.  You also need to remember that different areas also have different planning policies in their Development Plan: what applies in one town does not necessarily apply in the adjoining one.\r\n\r\nAs a piece of practical advice, I would suggest that if you are really interested in going for one of the non-standard houses, you speak with the planners (it\'s free) before placing an order.  That way, it\'s possible to get a lot of technical advice about what is and is not viable and whether it is even worth the bother of proceeding.  Once you have got the advice in place, that is the time for applying for planning permission: you would not, after all, want to place an expensive contract for all the components and then have nowhere to put them.\r\n\r\nAnd yes, they look great.  I would love one.','b9c1482f2aca6af32e3dd531fcd1a95d',0,'','',1,0,'',0,0,0),(394,31,4,401,0,'*.*',1268012500,1,0,1,1,1,1,'','Re: what can i do if my receintly bought house has a severe damp problem not picked up during the presale survey?','On what grounds have the surveyors denied responsibility? Did you commission them to carry out a full survey or was it just for valuation purposes?\r\n\r\nIf you commissioned a full survey then take all the paperwork to your local Citizens Advice Bureau.','1f0247d1a7565a60e9a6260df90b7c31',0,'','',1,0,'',0,0,0),(395,49,4,402,0,'*.*',1268014450,1,0,1,1,1,1,'','Re: Is buying house in Houghton Regis a good idea?','I suggest you go up there in the evening/weekends and check it out for yourself.  Unfortunately there\'s crime everywhere these days.  And to be honest, I think you\'d be just as much at risk buying in Dunstable, as in Houghton.  Speak to the neighbours too!','35c3b7813ee119b3edde028424e2bf3d',0,'','',1,0,'',0,0,0),(396,58,4,403,0,'*.*',1268018880,1,0,1,1,1,1,'','Re: Buying a house. UK only please?','I know a solicitor that used to deal with selling reposessed properties.\r\n\r\nThe facts are that the seller is the lender.  A large bank and they make you (1) conclude the contract at their pace.  (2) they don\'t let you change many conditions within the contract that they have drawn up, (3) they offer no gaurantees about the heating or pretty much anything else.\r\n\r\nThey are not interested in your moaning about there not being keys. \r\n\r\nTo find out if they are legally obliged to provide keys you have to look at your contract to buy, (the contracts that will be exchanged).  (usually the seller would be expected to but in the case of reposession I really seriously doubt it).  Basically its nothing to do with the agents or anything.\r\n\r\nThe baliffs/sheriff officers who reposessed the home have changed some locks in order to make sure the evicted former owner will not regain entry, but they (a) may not have changed all the locks or (b) may have misplaced some of the keys.\r\n\r\nWhen you move into any home, especially a reposessed home you should make sure to change ALL locks anyway.  As you don\'t know who may have made keys.\r\n\r\nSo the answer is in all likelyhood is: no they will not be obliged to provide you with keys, and if you demand that they do they will probably not react well.  In one case I remember when the purchasers tried to change the contract too much they remarketed the property.  The seller is the lender and  even with all the trouble banks are having they will tell you to like it or lump it.  They really arent interested in small details or having to pay for anything like keys, heating or making any gaurantee about keys or phone lines or the property or any variation that has been made to the property.\r\n\r\nI would say that you have to treat this as an expense of your purchase and try to get on with it.','8a99ce65ece9cb4d0db6f37d43aceefd',0,'','',1,0,'',0,0,0),(576,0,4,545,0,'*.*',1270689135,1,0,1,1,1,1,'','','So go fetch em, you have a personal allowance. I used to fetch mine from Luxembourg when I smoked.','ac46d0d74b73bc06a691de0164f8d6c0',0,'','',1,0,'',0,0,0),(398,58,4,405,0,'*.*',1268027972,1,0,1,1,1,1,'','Re: Buying a house. UK only please?','The bank is probably selling this and will probably not be bothered about your requests.\r\n\r\nDepending on where you are in the country it should cost between £30 to £100 to change the locks on each door by a locksmith.\r\n\r\ncompare this to the ammount you are saving buying that repossessed house and just pay to get it done.','69a41d75575a043e76d4020238e1a124',0,'','',1,0,'',0,0,0),(399,43,4,406,0,'*.*',1268030261,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','Sorry, but you are conned. Get out of the relationship right now but\r\ncancel all the bills on your names...the houses are not very good at \r\nthis time but also, it\'s not going to hurt you if you find some information.\r\nYou have nothing but bills and hardwork.  No right whatsoever in the money your partner will get if he sells the house - but try to seek help of an Attorney (if you can afford it) and get out of his loving con.','3265bca196c165cfe3da532df2759f41',0,'','',1,0,'',0,0,0),(400,14,4,407,0,'*.*',1268034147,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','My area well priced homes are selling.  We get retirees who have sold their primary homes and are relocating.  Just overpriced areas are suffering.','b9e39498e58a2629819620d6eff9531b',0,'','',1,0,'',0,0,0),(401,14,4,408,0,'*.*',1268041412,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','I don\'t knw? Me and my husband won\'t be for a long long time!!!','249f106cbd32a45b51eaa59899888f09',0,'','',1,0,'',0,0,0),(402,67,4,409,0,'*.*',1268044115,1,0,1,1,1,1,'','Re: Partner pulled out of buying house......?','I doubt very much with a deposit of £12,000 and a house of £91,000 you would go into neg equity (my opinion only) as it would mean a fall in house prices of around 13%.  That said it is widely expected that house prices will fall over the next year or so.  That means if you sell you lose.\r\n\r\nI think that I am in slight neg equity at the moment after buying my house last year.  But as i am not planning on selling it does not bother me at all.\r\n\r\nIf you and your partner are sound and plan to stay in the house for the next 3 years or so, the equity will not be important until you sell  \r\n\r\nTo me that is the question that you need to answer is about the strength of your relationship as this is a major decission that you need to agree on.\r\n\r\nAgain my opinion only lets say your rent is £400 pm (I am guessing on my local area) that is dead money and not going towards a the capital on a mortgage but that may be a compromise for you in the short term\r\n\r\nI am looking at buying a 2nd house at the moment to rent out - again I wont make or lose any money until I sell it.','17526e786f9b07eec4dc7fe10b0d1c4e',0,'','',1,0,'',0,0,0),(403,67,4,410,0,'*.*',1268044924,1,0,1,1,1,1,'','Re: Partner pulled out of buying house......?','Quite honestly, it may have been good advice to not buy. I realise that purchasing a home can be a very emotional thing, and in this case upset is understandable. I would imagine you would have liked to tell your sister in law to keep her gob shut and overly long nose out of your business. \r\n\r\nHowever, look at it coldly. If prices drop another 5% you would loose approximately £4,500 in equity. Now, the estate agents won\'t say (they are not in a charitable enterprise; some are by no means the nice, helpful, friendly sorts, far from it), but the cold hard facts are with the money you have to put down, combined with the fact that prices may drop another 5% before they start to climb, well, it makes sense to wait. On one condition: The rents you are paying are reasonable, and you will be able to continue saving a bit more cash between now, and say the first of the year, then look again.\r\nYou might find that same house at £85,000 or £86,000, if not one even better. \r\n\r\nAlthough it may hurt a bit, perhaps this time the wait will pay off. Call it a guess, but the financial mucking about throughout the Western World is far from sorted. I would wait to buy simply because I don\'t care to spend money on a house that would make a sizeable amount to invest or spend in some other way. \r\n\r\nBesides, if you trust your partner enough to be partners, I would not want anything that he was not comfortable with. The old saying that a No is stronger than a yes in mutual financial decisions may never apply more strongly.','3a8d229cb0d19a1a0764053254109388',0,'','',1,0,'',0,0,0),(404,76,4,411,0,'*.*',1268051282,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','If you can get the financing for it, absolutely.  Housing prices and interest rates are both down, making it a very good investment.  Especially if you plan to live there for a while, while the market recovers.','02fd12875c0acaeed2dd3fa3029b125c',0,'','',1,0,'',0,0,0),(405,48,4,412,0,'*.*',1268053606,1,0,1,1,1,1,'','Re: Are being actually buying houses in the UK at the moment? Want sell mine but wondering how long it\'ll take','it depends on the price, the accessibility and the surroundings.','cea3fee9892305e483d8924fd39091d3',0,'','',1,0,'',0,0,0),(407,73,4,414,0,'*.*',1268067586,1,0,1,1,1,1,'','Re: Can buy housing association house\'s?','You can only been 75% of the house, and the Housing Association will keep the remaining 25%.\r\n\r\nThis stops you selling it to an \'outsider\'.\r\n\r\nYou can NOT rent your share to another person.','ac89974090d0ec80030b8688cc767cf7',0,'','',1,0,'',0,0,0),(408,36,4,415,0,'*.*',1268070372,1,0,1,1,1,1,'','Re: Is now a good time to buy houses in the UK?','Absolutely - it\'s a sale - a buyers market and low interest rates - there has never been a better time.','e2e1adad7554bd0d34a7588b5f07ae6b',0,'','',1,0,'',0,0,0),(409,49,4,416,0,'*.*',1268070846,1,0,1,1,1,1,'','Re: Is buying house in Houghton Regis a good idea?','Ok now I know that area I grew up there. It has gone down hill over the years. but I personally would not live there.\r\nA good place to live in dunstable would be the other side of the town centre as though you was going out to Aylsbury Past the police station and out ward.\r\nAnother nice area is called poets area which is not to far from the hospital all of that area and hospital area meaning the streets around the hospital is nice.\r\nDo not go any further than the hospital into luton.\r\nGood luck','321fa7fa4826600f9dfb1cabe3872747',0,'','',1,0,'',0,0,0),(410,21,4,417,0,'*.*',1268073764,1,0,1,1,1,1,'','Re: trying to buy house?','You\'ll need to have a excellent credit history to get a loan. The mortgage companies are getting tighter now.','d54f25048218550c1917c002f4e96199',0,'','',1,0,'',0,0,0),(411,14,4,418,0,'*.*',1268076377,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','People will start buying houses again when they feel confident about their job security and the general state of the economy.\r\n\r\nThere is much uncertainty at the moment and people are, quite rightly in my opinion, unwilling to make such a large financial commitment.\r\n\r\nPart of the problem is that too many people want to buy houses out of greed, to make profit, rather than simply as a nice place to live.  The chickens are coming home to roost.','8f39478524d9cfc13ea0fb5ddaac7bf7',0,'','',1,0,'',0,0,0),(412,14,4,419,0,'*.*',1268079948,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','When people stop talking about negative stuff. House prices will rise in the near future and those who wait too long will be left behind..Timing is everything','776ec6dc02dbd186bc746e61cd71c097',0,'','',1,0,'',0,0,0),(413,28,4,420,0,'*.*',1268086303,1,0,1,1,1,1,'','Re: is right time to buy house?','I vote yes','9ae019cace093360a81133b03e70b9b5',0,'','',1,0,'',0,0,0),(415,43,4,422,0,'*.*',1268093807,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','you could always suggest to him that you now get your name on the deeds, otherwise keep all your bank statements just in case you do split and these will stand up in court to prove that you have paid, if you do split he has no chance of paying the mortgage if he is out of work','3ffc3809263e971ddd65dec50951d778',0,'','',1,0,'',0,0,0),(416,76,4,423,0,'*.*',1268094644,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','Yes, If you can get a mortgage! Never forget that this is an overcrowded little island with a huge demand for housing. Don\'t try to be too clever and wait \'till the market bottoms-out. Lots of people are doing that, and they will push prices up when they all jump on the bandwagon. Buying NOW  could set you up for life. The best bargains are brand new flats.\r\nGood luck.','c1f99b3378fc3c33c89cbc1a4327d378',0,'','',1,0,'',0,0,0),(417,20,4,424,0,'*.*',1268098922,1,0,1,1,1,1,'','Re: would installing central heating signicantly raise the price of a house?','Since people EXPECT the house they are buying to have a working heating system, you will get only a slight premium, due to the fact that the system is new, over a similar house with a working heating system. If you can find a property where no heating system is the only problem, and buy it and put one in and your total expense is a few thousand (or more)  LESS than what other houses are selling for, go for it.','73785beef3724b2060b5e726f36ac878',0,'','',1,0,'',0,0,0),(419,68,4,426,0,'*.*',1268103778,1,0,1,1,1,1,'','Re: who is surprised that the bail out banks made a loss?','It is telling that HSBC and Barclays, who turned down the government bailouts, made large profits and those that were bailed out didn\'t. I would like to do a bit more research about why exactly this is.\r\n\r\nNorthern Rock to me looked doomed and by rights it should have gone to the wall. In fact, perhaps the government should have let a bank/BS go to the wall, for it would put the fear of God into all other banking corporations and then they might just exercise more caution in investments/trading.','ff43acd57a7ba05757c2700077dabe38',0,'','',1,0,'',0,0,0),(420,14,4,257,0,'*.*',1268107756,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','When the inflation ease and banks have done their write downs. Most probably early next year, by then it may be to late to buy houses as house price may also pick up. If you can get a mortgage buy now.','80b7bd66ff5b2fcbc4b8fc3cc2afa998',0,'','',1,0,'',0,0,0),(421,14,4,427,0,'*.*',1268114256,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','When there is generally more economic confidence and job security - then it\'ll be easier for mortgage lenders to give out mortgages, and by then those that who own properties and are stretched in making mortgage repayments will have reduced sale prices for their homes in their bid to cut and run, esp. as for a long time there won\'t be buyers.','bb68d1b2851159aa860706ef789fa2f3',0,'','',1,0,'',0,0,0),(422,43,4,428,0,'*.*',1268116321,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','it depends if your partner protests that you paid the mortgage.was he claiming benefits for mortgage?you should be protected by common law but go to your nearest citizens advice bureau and they\'ll tell you all you need to know.it may involve costly fees.try and get put on mortgage asap if poss.you could say that when it comes to remortgage time it will be easier to get a better rate if its a joint mortgage esp if he\'s unemployed(i work in a bank).\r\nencourage your partner lots when jobhunting to build his confidence and maybe things will get better when he gets a new job.he could also do things such as mystery shopper for extra cash.good luck with it all','f016ee347155d4b726c2694bf3d05a76',0,'','',1,0,'',0,0,0),(423,73,4,254,0,'*.*',1268121395,1,0,1,1,1,1,'','Re: Can buy housing association house\'s?','Yes, you can.  There is a scheme called \"Right to Acquire\" which would apply.  You need to have lived there for five years (or only two years if you moved in before January 2005).\r\n\r\nNote that it is NOT the same as \"Right to Buy\" which is for council tenants (not HA tenants).  The main difference is that Right to Buy allows you to purchase the property at a 50% discount, whereas with Right to Acquire you will have to pay for most of it yourself.\r\n\r\nWhat \"k\" is talking about is a little bit different.  There are Shared Ownership schemes which are operated by some Housing Associations, and whilst some HAs allow you to purchse up to 100% of the property, others do put a limit on how much you can buy so that when you want to sell, you are forced to sell it back to them.','475782537d30af968ab4b9c4a5c98d21',0,'','',1,0,'',0,0,0),(424,14,4,429,0,'*.*',1268125252,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','People never stopped buying houses. Perhaps you meant to ask when more people would buy homes. If that’s your question, it will be when they have the financial ability (good credit history & ability to pay) and the desire to own a home.','3f52a9e7d654d2c571d27dc66d84246d',0,'','',1,0,'',0,0,0),(425,48,4,254,0,'*.*',1268129960,1,0,1,1,1,1,'','Re: Are being actually buying houses in the UK at the moment? Want sell mine but wondering how long it\'ll take','Some people are still buying, but unfortunately the kind of property that you describe is likely to be the type that isn\'t going to selll quickly, if at all.\r\n\r\nThe ones that are still going to be selling are large family homes in suburban areas, because those who have a family will choose to buy rather than rent in order to give themselves more stability.\r\n\r\nHowever, with your property being a one-bedroom, it\'s likely that this property will be only of interest to first-time buyers, and the problems here are:\r\n- Some of them will be finding it difficult to get a mortgage at the moment\r\n- Some of them, myself included, could still get a mortgage but would prefer to rent for now, as it looks like property prices are about to drop much further.  Who wants to spend £200k on a flat now if you could get that same flat for considerably cheaper later in the year?\r\n\r\nI don\'t know what your personal situation is, but you are better off not even trying to sell right now, as you will probably have to take a low price for it to get it to move.  As it becomes increasingly difficult to get mortgages then demand for rental properties will increase and prices will increase accordingly, so if you really do need to relocate then you\'re better off renting this flat out.','44d5aa888dd0469b0bc59255610886a1',0,'','',1,0,'',0,0,0),(426,14,4,189,0,'*.*',1268134636,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','Current prices are stupidly high for first timer\'s.','662ef80ae331cc44d1a6a4995e011d56',0,'','',1,0,'',0,0,0),(427,14,4,430,0,'*.*',1268141925,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','When it becomes sensible to do so!  I know I certainly wont be for a while.','3200b5e3930baa6c1695b5c004cd4f56',0,'','',1,0,'',0,0,0),(428,14,4,200,0,'*.*',1268144844,1,0,1,1,1,1,'','Re: When are people going to start buying houses again?','They are buying them like crazy in CA, decent homes are sold within a few days, with multiple offers.','61e60a11909dad26d90ae02c4385c8c0',0,'','',1,0,'',0,0,0),(429,21,4,431,0,'*.*',1268148677,1,0,1,1,1,1,'','Re: trying to buy house?','you could try a rent to own contract with the Seller, or let the Seller carry the Note and Mortgage, provided they are willing to do so.','c4386c7b66c5d3cd2d918e28ac32a888',0,'','',1,0,'',0,0,0),(598,102,3,567,0,'*.*',1275515304,1,0,1,1,1,1,'','does any one knows how much roughly motor traders insurance cost ?','i buy cars and sell them but i have to buy insurance for each of them as soon as i buy them so i can tax them to be on the car park or on the street but does any one knows how much does it cost to get motor trader insurance ? i only have 3cars not more and want to know how can i drive them with out insure each of them individually because i see those traders they tax any car they want if they want with out insure each of them ?please help thank you.','983f6bd5b87523667d62536b553fa224',0,'','',1,0,'',0,0,0),(431,72,4,432,0,'*.*',1268156340,1,0,1,1,1,1,'','Re: joint ownership of real  estate uk?','Your friend is guilty of fraud and you ought to report it.  This is a crime.  talk to your solicitor about it.   The signature should not stand up to scrutiny if it is forged.','cd86d167636192eb2b40c287bfea0634',0,'','',1,0,'',0,0,0),(432,31,4,433,0,'*.*',1268157821,1,0,1,1,1,1,'','Re: what can i do if my receintly bought house has a severe damp problem not picked up during the presale survey?','So many questions !!\r\n1. did u buy this house from the bank ( bank owned )\r\nor buy from a seller.\r\n2. did u have a inspection done\r\n3. was a real sellers disclosure filled out \r\n4. did u waive your rights under the real sellers disclosure\r\n5. did someone come in there and take a dump and flood the toilet and that is the damp problem.....lol','e98c884cd8995ad68358ee7ca48cff61',0,'','',1,0,'',0,0,0),(433,72,4,434,0,'*.*',1268163512,1,0,1,1,1,1,'','Re: joint ownership of real  estate uk?','Go see a good lawyer. He\'ll hear the outline of your case for free...and advise whether he thinks you have a solid case he can pursue for you.\r\nYou should have no problems getting back a sizeable sum....but be prepared to wait for some time...the law moves slowly.\r\n\r\nAn alternative is to contact the other party...advise you are pursuing legal action...but would be happy to settle this for £XXX. You will still ned a lawyer to draw up the legal documents that formalise such an agreement. But this might shorten the process considerably.','e3164b24681e1b251532f567c98e503c',0,'','',1,0,'',0,0,0),(434,86,4,435,0,'*.*',1268163836,1,0,1,1,1,1,'','Can I include Stamp Duty in Mortgage?','Hi All, I am from UK. me and my partner have decided to buy house. We have looked around and  It seems like its difficult to get a decent 2 bedroom property below 250K. once you go above 250K mark you have to pay 3% Stamp Duty. Because of this we will be short in finance. So question is can I include my Stamp Duty Cost as part of Mortgage? Do banks offer mortgage this way? Is interest rate going to change if I include 7.5K Stamp Duty in Mortgage? Thanks in advance for all your support','12b2eefb7a932cea240e86ce09b52b25',0,'','',1,0,'',0,0,0),(435,32,4,436,0,'*.*',1268169157,1,0,1,1,1,1,'','Re: buy house in uk is correct  time?','Prices are down so yes and bargains are to be had, but securing mortgages is much harder with higher rates, so I gather if you\'re cash customer it\'s a great time although prices will go down a bit more yet, otherwise it could be a bit of a gamble','c6455edf8009384071286a8bd39737c3',0,'','',1,0,'',0,0,0),(436,63,4,437,0,'*.*',1268169803,1,0,1,1,1,1,'','Re: Would we be better of selling and renting a house?','The points you make are fair, and if you feel that you\'d get a better quality of life by selling up then don\'t feel you need to justify yourself. I totally remember being more or less care-free when I rented; if the boiler stalled or the washing machine broke down, it was someone elses\' responsibilty and money out of someone elses\' pocket. \r\n\r\nHowever, one of the downsides to renting rather than ownership is the fragility of it - unless you can find a landlord who\'s willing to allow you to sign a long-term lease, you often find yourself constantly having to move when your landlord decides they want to sell their property, or put the rent up beyond what you can afford, or rent the rooms out individually. I know when I rented, this was what exhausted me most of all. I never had the opportunity to live somewhere for more than two consecutive years at a time, and once my eldest daughter was born I just wanted to settle in somewhere that was \'mine\'.','a8ef1e3d1ac20b9cb552e2e24a5a7412',0,'','',1,0,'',0,0,0),(437,66,4,438,0,'*.*',1268181126,1,0,1,1,1,1,'','Re: Mode of entry into international markets?','More than likely a scam. If it sounds too good to be true, it is.','d59ed6e55ec5796734c0ac971a1dd466',0,'','',1,0,'',0,0,0),(438,50,4,254,0,'*.*',1268187766,1,0,1,1,1,1,'','Re: A question about property make over shows?','To be honest, I quite enjoy watching them!  I agree that the presenters are a bit smug, but I like seeing what people have done with their homes.\r\n\r\nI don\'t think it has led to people buying houses that they cannot afford.  However, I think it has led to every Tom, Dick and Harry thinking that they can make a large profit from preperty development.  The reality is, you can\'t.\r\n\r\nMost homes\' values are capped as a result of where they\'re located - it doesn\'t matter what improvements you make to them.\r\n\r\nAlso, if you\'re a builder and you have the expertise to do the work yourself then fine, but if you\'re not you spend too much on labour to make it worthwhile - either that, or you do the work yourself and botch it up.  I mean, some of these people make only a couple of thousand pounds profit - does that really compensate for having spent every spare minute on it for the last year?  Doesn\'t it work out to like a wage of £2 per hour if you had paid yourself?\r\n\r\nI\'d definitely give property refurbishment a go if I found an old, crap house that I wanted to make nice for me to live in.  I wouldn\'t be stupid enough to try to do it to make money out of it.','70c2ec840c4017c17e8e4693089987dd',0,'','',1,0,'',0,0,0),(439,43,4,358,0,'*.*',1268188090,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','you better get a lawyer and get this taken care if ASAP!!!','e72700d1e9d856f371f6984391684a7d',0,'','',1,0,'',0,0,0),(440,38,4,439,0,'*.*',1268200307,1,0,1,1,1,1,'','Re: Why do estate agents ask if you are buying house for staying or investment?','Because of the different tax liabilities that are involved.  Owning a \"home\" and living in it does not give you the added benefit of income, but having an investment property generates the added benefit of income on top of the tax benefit that one may, or may not receive for owning the \"house\".  Ask you friendly neighborhood accountant, or the realtor that told you that.','4b074bd2a6ad070e6e659207bef570d6',0,'','',1,0,'',0,0,0),(441,43,4,440,0,'*.*',1268206791,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','the first thing who said you couldn\'t  have your name on the mortgage, he could be your witness as to your request for a joint partner in obtaining  the said house, Now you should call the person back to change this as you are of age now, make an appointment with your Financial adviser or did you have done through a bank if so thats better, because they will have all the details,do it now,i am asking myself  if  you couldnt sign how did they arrange who could afford to buy the house,did he have enough to pay,did they or did you take this on your own,do see where iam comming from, was the financial adviser present when he signed well start therebut do now! houndog','1129dcb17e82be4e447c856d39e22139',0,'','',1,0,'',0,0,0),(442,57,4,441,0,'*.*',1268213002,1,0,1,1,1,1,'','Re: How to start in the property market with no money?','While there is still some money to be made, you have to do your homework and have money.  Zero-down loans are almost non-existent these days, you are going to have to come up with some sort of down payment - especially on investment property.  Also, you need money to fix the place up - the way to make money is to buy a \"fixer-upper\" (preferably not one in a high state of disrepair).  Once you have done the fixing up (new paint, landscaping, etc.), then you factor in the cost of the mortgage you carried, the original price, and any additional expenses, add profit margin and try to sell.  \r\n\r\nthe problem becomes if the house languishes on the market (very possible in this economy) and you have to pay out of pocket for your mortgage for an extended period of time.  The interest could catch up to any profit you hoped to make.','76a5f1f87205b8a945f667413b48160d',0,'','',1,0,'',0,0,0),(443,75,4,442,0,'*.*',1268214006,1,0,1,1,1,1,'','Re: dose anyone know of  any reputable companies that would buy my house?','I am in the United States and am wondering the same thing. I am in the same situation you are. I need to sell my house now, and am wondering if I can do the same thing here in Kansas. If you hear of any place, could you let me know? Any one?','83922a7eebb4a4b5b8c2a85a62e6ca42',0,'','',1,0,'',0,0,0),(444,76,4,443,0,'*.*',1268214660,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','Some people say it is....\r\n\r\n\r\nI say it isn\'t, house prices will fall if people DON\'T buy!!!! FACT!!!\r\n\r\nthey only fall because people NEED to sell, \r\n\r\nthey only raise because people buy fast and snap them up, demand in other words','656330d2219a33f2399eee27b89a8df7',0,'','',1,0,'',0,0,0),(445,43,4,76,0,'*.*',1268221030,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','the house belongs entirely to him as he is on the deeds','f04789d957ecf38f638f58af5df871da',0,'','',1,0,'',0,0,0),(446,76,4,444,0,'*.*',1268221875,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','Yeah i would say so, all these houses are going down to fixed prices or selling cheaper than they normally would because of the credit crunch!\r\n\r\nand the % can only go higher from now so get it while its low :D\r\n\r\nThis is the wrong time to sell a house tho because you wont get a lot of money for it! \r\n\r\nGood luck n just go for it - get that house!','871d88ec318523c1b193942d1055ac84',0,'','',1,0,'',0,0,0),(447,55,4,182,0,'*.*',1268222374,1,0,1,1,1,1,'','Re: do you think its a good idea for the uk gov to encourage people to buy houses the cant afford?','My guess is you are not a home owner yourself. Therefor you wouldn\'t appreciate the pride in buying your own home. Almost all house buyers \'struggle\' to buy their first home. But that is the point, you achieve through effort. Regarding paying too much for a house. If you bother to look at the long term you will see that over time house prices rise. Only the get rich quick and buy to let merchants will get their fingers burned.','8ee3c28fe30a7424bb2aeb4e970a839e',0,'','',1,0,'',0,0,0),(448,43,4,400,0,'*.*',1268227780,1,0,1,1,1,1,'','Re: name not on mortgage or deeds uk... pls help?','You definitely need to see a lawyer about your position.  You have not given all the details here, obviously, but the position is not necessarily as bleak as some of the contributors are suggesting.\r\n\r\nYou do need to ensure that all the paperwork from the time of buying the house is kept safe, especially any regarding where money came from and what the intentions of both of you were at the time.  This is vital, due to the fact that you were not able to hold a legal title until you were 18.\r\n\r\nThat does NOT mean that you have no stake in the property.  As any property lawyer worth the name will tell you, you can have an equitable stake in the property before you are 18 (as is shown by case law).  Effectively, although the deeds, etc were in the name of your partner he is said to be holding \"on trust\" for him and you jointly if the intention was always that you were buying the house together.\r\n\r\nDepending on the position, you may also have obtained legal rights of occupation in relation to the property.  This is a very valuable stake indeed, and one which the courts have readily upheld in other cases.\r\n\r\nSo, in short -\r\ndon\'t panic;\r\nseek professional advice;\r\nencourage your partner to have the deeds (and mortgage) changed;\r\nand forget the \"common law\" thing - it\'s meaningless.\r\n\r\nI hope that things go well for you.','282cfd0c500331f154f512a53a396790',0,'','',1,0,'',0,0,0),(449,76,4,445,0,'*.*',1268228783,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','yes but im a bit of a hypocrite since my house is on the market and im looking for buyers. But it is a good time to buy because the value of the houses in a few years will increase dramatically xx','5e400d241eeab317fb7a9ec9fc249f38',0,'','',1,0,'',0,0,0),(450,38,4,200,0,'*.*',1268235196,1,0,1,1,1,1,'','Re: Why do estate agents ask if you are buying house for staying or investment?','the house you want to live in is not always the same as a \"good rental\".\r\n\r\nFor instance, marble is really nice to live in, but you do not want to maintain it for a renter.\r\n\r\nAlso, some property has an HOA that does not allow for rentals.','9f6afd3c576255edd99af7d0ff7aef06',0,'','',1,0,'',0,0,0),(451,28,4,446,0,'*.*',1268240615,1,0,1,1,1,1,'','Re: is right time to buy house?','I would say yes, but be sure to have a good down payment with a 30 year mortgage and that the payment is no more than 30% of your income. It\'s a buyers market..but be careful.','2a6fdbb8a41923c97c386e2b2582c346',0,'','',1,0,'',0,0,0),(452,60,4,447,0,'*.*',1268242046,1,0,1,1,1,1,'','Re: If a couple breaks up , can one continue the mortage and stay in property if company buys house and..?','Depends on who\'s names are on the property. If it\'s you & partner & you break up, you need to refinance the home in order to remove a name.They also need to agree & you might need to buy them out depending on how bad you want to keep property. Hope this helps!','6c5583aea1a1e0c068ff14d97557f64b',0,'','',1,0,'',0,0,0),(453,76,4,136,0,'*.*',1268256705,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','Prices are forecast to fall for the rest of the year. So if you are a first time buyer its probably best to wait for a few months. If you have a house to sell it makes very little difference, because you will lose on one or the other regardless.\r\n\r\nBtw, beware answers from Americans, where the market is completely different from the UK.','6c3c20fa35a6bbe5aeb3a5c1d8824e8d',0,'','',1,0,'',0,0,0),(454,76,4,448,0,'*.*',1268262877,1,0,1,1,1,1,'','Re: Is it the best decision to buy house now?','Buy now. Many believe housing values will continue to decline through 2009, and won\'t turn around until 2010. However, mortgage rates are currently at 40-year lows, the stimulus package will get you an $8K tax benefit if you buy in 2009, and owners of resale homes know they have to compete against foreclosures and short sales. What will it be like in a year\'s time? Will interest rates rise? Will the economic reform package actually have a dramatic impact on shrinking our current inventory of homes? (Which should cause prices to rise.) No one knows. But now is a great time to buy. Good luck.','cdcf0a69ea971f7f9b9976150be3ad1c',0,'','',1,0,'',0,0,0),(455,86,4,449,0,'*.*',1268269371,1,0,1,1,1,1,'','Re: Can I include Stamp Duty in Mortgage?','Banks wont include stamp duty as part of a mortgage offer.\r\n\r\nThe reason being that money goes directly to the government and should the bank need to take procession of your house will not be able to recoup the money.  You used to be able to do it under 125% mortgages but thankfully those are a thing of the past.  If you need to borrow the money you will need to take a separate loan but this will effect your mortgage offer as your affordability has changed.\r\n\r\nIf you need to borrow the money you should be questioning can you really afford the house right now and do you need to save some more.','ab18442fb731fe0d60289db0465bf019',0,'','',1,0,'',0,0,0),(570,94,7,537,0,'*.*',1270178802,1,0,1,1,1,1,'','Re: How can I make money from home?','You should go for online Surveys.\r\nBest Survey sites:','fed5a9596e0a1af9d349985be842b63a',0,'','',1,0,'',0,0,0),(571,94,7,540,0,'*.*',1270185595,1,0,1,1,1,1,'','Re: How can I make money from home?','make candles from sausages fat','4f31e354c2309f33855bba02995675dc',0,'','',1,0,'',0,0,0),(458,34,4,434,0,'*.*',1268282554,1,0,1,1,1,1,'','Re: Workers away from home.........?','Normally i\'d say buying a home in the location of your most frequent destination is the best idea....it keeps you locked into the opportunity to make an investment in the long term (capital gain) and means your not just paying rent to someone else. \r\n\r\nHowever...right now may not be the best market timing to purchase ...and i\'d say renting would suit you better.\r\n\r\nTry renting a place with another frequent away worker...that way the place gets good usage...an you share the costs for somewhere you\'re not regularly at. Plus ....as long as you like living with people....it gives you someone at home to unwind with.\r\n\r\nGood luck!','1f01f98ab0c77113eb1503a7fd870d5b',0,'','',1,0,'',0,0,0),(459,57,4,451,0,'*.*',1268283441,1,0,1,1,1,1,'','Re: How to start in the property market with no money?','The first thing you need to know is how to value real estate.  In my city, I can go to the assessors office on line and find out what properties have been sold in a certain neighborhood in the last year.  You will need to find at least three comparable houses within a ten block area, with the same type of siding, same number of rooms, same lot size, same age etc.  Drive by the property and compare the appearance with the property you have targeted.  Make a table with all the charismatics on each property.  Include the selling price.  Then estimate the value of your property from this data.','1837107f9fea9dc186893c723ab27c1a',0,'','',1,0,'',0,0,0),(460,55,4,452,0,'*.*',1268288378,1,0,1,1,1,1,'','Re: do you think its a good idea for the uk gov to encourage people to buy houses the cant afford?','Firstly we are not obsessed with purchasing houses for anything other than an investment purpose, quite simply, houses in the UK, are rented out at not much more than a mortgage would cost you per month, so at least when you own your own home,  you will have something to show for it at the end of the agreed  tenure.\r\n\r\nSecondly, the government are trying to curry favour with the british public by temporarily abolishing the stamp duty, they think that we are stupid.\r\nWhat they failed to mention was- that in London alone, their are only 3,000 properties available that fall within the house prices they have put a ceiling on..............Leading us to believe, that once they have all gone, our economy will be back on track again...Gordon brown is a total idiot, the banks got us in this predicament (UK + US) so let them sort it out, but not at our expense........Rant over.','16b98bbda1386907b4c194923ee29127',0,'','',1,0,'',0,0,0),(552,92,4,523,0,'*.*',1269338198,1,0,1,1,1,1,'','Re: UK;Should the housing market be so closely linked to our economy?','In principle you are correct and I agree with you. Yet if I purchase a house then spend to keep it in good running order when I sell I want that money back and the cost to pay for all the fees when selling. There is a lot of evil stuff going on in the housing market just to get a profit. \r\nStay safe and rich.','ee85e6ef823890734c48599d73c83d53',0,'','',1,0,'',0,0,0),(462,36,4,189,0,'*.*',1268295366,1,0,1,1,1,1,'','Re: Is now a good time to buy houses in the UK?','If you have a deposit and first time buyer, go for it, if you are living with parents, then why wait any longer, and if renting - it\'s throwing money away.','38beca1791507ed4a13ea2ef496ce6bd',0,'','',1,0,'',0,0,0),(463,36,4,430,0,'*.*',1268298557,1,0,1,1,1,1,'','Re: Is now a good time to buy houses in the UK?','No its not reached the bottom yet. wait until 2010','a9f254b46eabe1713839d3022e2de118',0,'','',1,0,'',0,0,0),(464,63,4,453,0,'*.*',1268301759,1,0,1,1,1,1,'','Re: Would we be better of selling and renting a house?','If you could manage to stay in the property, I think that owning your house will definitely show a considerable appreciation in value, in the course of time. I have never regretted making similar sacrifices in the early years, as I now own my own home, and do not have to worry about continuing to paying rent indefinitely. You can always review the situation, as time progresses,and your circumstances change. A decent private pension should also be a factor in your planning for the future.','a4f658d387270193556896d04e1b48ad',0,'','',1,0,'',0,0,0),(465,0,4,454,0,'*.*',1268308250,1,0,1,1,1,1,'','','Yup Congrats','6340f4d12676066595d3625aa894c25a',0,'','',1,0,'',0,0,0),(556,94,7,527,0,'*.*',1269990106,1,0,1,1,1,1,'','Re: How can I make money from home?','I make a lot of money on a site called vindale research. You will earn 5 to 75 dollars per survey. Here is the link. make sure to give it a shot.      http://tryvindale.com/Vfp5rYdo','58cb652deb7c2be30cda4bcedd5cc18b',0,'','',1,0,'',0,0,0),(557,94,7,528,0,'*.*',1269992596,1,0,1,1,1,1,'','Re: How can I make money from home?','visit this http://www.clixsense.com/?3134970','2de28311cf1c92ea22903f54a1ea9c47',0,'','',1,0,'',0,0,0),(558,94,7,529,0,'*.*',1270000799,1,0,1,1,1,1,'','Re: How can I make money from home?','refer friends and family to shop online at this website and you can earn cash back on anything they buy.  This will help get you those things you are looking for.  www.lhqwellness.com (paid to shop watch the video online under MA tv click on the top menu','de30888aa33d2b55ec7e547b521cb431',0,'','',1,0,'',0,0,0),(559,94,7,530,0,'*.*',1270008968,1,0,1,1,1,1,'','Re: How can I make money from home?','pts 2 shop is the greatest website I have ever encountered you can earn points so easily, I signed up and loved it right away\r\n\r\nthe offers are very easy, and you can order ANYTHING on Amazon.com I ordered my first 2 Xbox 360 games in a week, and they arrived pretty fast\r\n\r\ni also earned free xbox live points, xbox live subscriptions, movies, and other great prizes. you can also earn cash have have it withdrawn to your paypal or receive it via check\r\n\r\nif u click my link and sign up u get $2.50 when you do\r\n\r\nhttp://www.tiny.cc/p2sEarnFree','8aae1eb1df1e364a6686b24622c008ee',0,'','',1,0,'',0,0,0),(560,94,7,531,0,'*.*',1270009169,1,0,1,1,1,1,'','Re: How can I make money from home?','You could buy and pick up things on Craigslist for free and sell them but you have to have a vehicle and most things people give away on Craigslist that are worth money are objects that are difficult to move and you would need movers.\r\n\r\nYou could also make money online with advertisements. Companies will pay you every time someone clicks your links. It would take some time and effort but if you can find chatrooms and know a bunch of people, you can have them click the links and put money in your pocket.\r\n\r\nGoogle Adsense does that but you have to have a website and have to have an application approved.\r\n\r\nI found a business that sets you up with a blog and advertisers to work with. Instead of getting paid for clicks only you can get paid for leads as well. Leads are when someone clicks an advertisement and leaves their information. Its called a lead because its a lead on a potential sale.\r\n\r\nCompanies pay money for this information, and the company isn\'t even guaranteed to make a sale.\r\n\r\nYou pay for your blog and consultation on how to advertise and you make money for clicks and leads.\r\n\r\nhttp://www.nbsdemo.com/affiliates/jrox.php?id=2\r\nSource(s):\r\nNexgen, Personal Experience, Being in Telemarketing for 3 years.\r\n\r\nThe sites new and im not sure if they would work with you unless you are older but check it out.\r\nIt says \"Demo\" because its a new program and I assume the price will go up as people start picking up on the service.','592c0dcb9fd2338ea05318ed7b0203d2',0,'','',1,0,'',0,0,0),(473,47,4,462,0,'*.*',1268337241,1,0,1,1,1,1,'','Re: good time to buy houses?','Excellent time to buy real estate if you can afford it.','d1f37dce69368d2eaf6d4363408c6257',0,'','',1,0,'',0,0,0),(561,94,7,532,0,'*.*',1270017865,1,0,1,1,1,1,'','Re: How can I make money from home?','This site will show you how to make Free money, and then flip that \r\nFree money into hundreds, and possibly thousands of dollars per month!\r\nYou can start from $0.00,\r\nand everything is Step-by-Step!\r\n\r\nThis money-making system is one-of-a-kind...\r\nYou can NOT Fail, or Lose money...\'cause You can start from $0.00\r\nAll you have to do is follow the Step-by-Step instructions...100% FREE!\r\nCLICK HERE\r\nhttp://oo-mandin.blogspot.com','1b3afbdaa033908e12e5d86a836c2787',0,'','',1,0,'',0,0,0),(562,94,7,533,0,'*.*',1270026497,1,0,1,1,1,1,'','Re: How can I make money from home?','freemoneycorner.blogspot.com','752a7ffc376b4ccd756b7401fc70ef0d',0,'','',1,0,'',0,0,0),(563,94,7,534,0,'*.*',1270033485,1,0,1,1,1,1,'','Re: How can I make money from home?','try this survey rewards site: http://earn-reward.com/\r\n\r\nIt\'s easy to use your free time to earn gift cards or vouchers. While you certainly won\'t get rich quick or instantly win prizes, if you put in a bit of effort you can earn whatever you want! You can redeem points for gift cards or vouchers such as Amazon, Ebay, iTunes, ASOS and Xbox Live, the choice is yours.','b49dd24b051d80b7040930c0956c2b60',0,'','',1,0,'',0,0,0),(564,94,7,535,0,'*.*',1270033899,1,0,1,1,1,1,'','Re: How can I make money from home?','Earn Rs.35,000-Rs.50,000 per month from home No marketing / No MLM .\r\nWe are offering a rare Job opportunity where you can earn from home using your computer and the Internet – part-time or full-time. Qualifications required are Typing on the Computer only. You can even work from a Cyber Café or your office PC, if so required. Working part time for 1-2 hours daily can easily fetch you Rs.35,000-Rs.50,000 per month.\r\nDedicated workers make much more as the earning potential is unlimited. No previous experience is required, full training provided. Anyone can apply.\r\n\r\nPlease Visit : http://rich2soon.com/?ref=335','5c56c9b7153fd2e101eea20e44214fa2',0,'','',1,0,'',0,0,0),(477,38,4,465,0,'*.*',1268354359,1,0,1,1,1,1,'','Re: Why do estate agents ask if you are buying house for staying or investment?','Why?\r\n\r\n1.   Primary Residences are easier to finance.\r\n2.   By law they have to disclose.\r\n3.   A good realtor will know that a homestead wont buy other property for years, but investors may buy many in one year.','6963ea8491daf7215d102071a476a4c9',0,'','',1,0,'',0,0,0),(478,31,4,466,0,'*.*',1268361321,1,0,1,1,1,1,'','Re: what can i do if my receintly bought house has a severe damp problem not picked up during the presale survey?','sue the surveyor/estate agent, if you paid a fee for a survey and the surveyor did\'nt pick up on this then he or she is negligent','fd407ebece526a0218eec19aff7d50a4',0,'','',1,0,'',0,0,0),(479,0,4,467,0,'*.*',1268362787,1,0,1,1,1,1,'','','You MUST record the ownership transfer with the county recorder in order to protect your property. You don\'t have to, but anyone can claim in the future that is their property and you could be in for a battle to prove you own it.\r\nYou should seek the services of a title company or real estate attorney (depends on what state it\'s in) to be sure the title is clear and there are no encumbrances such as tax liens, mechanic\'s liens, etc.','2d82e63cb49f7e99012592d09e1e2314',0,'','',1,0,'',0,0,0),(480,31,4,468,0,'*.*',1268369004,1,0,1,1,1,1,'','Re: what can i do if my receintly bought house has a severe damp problem not picked up during the presale survey?','usually a simple problem to solve firstly buy a humidifier from B&Q for about £100 run it 24/7 for about 1 week .\r\ndo not wast your money on damp proofing for 99% of the time it is a obvios  problem like leaking plumbing work or where your rendering has bridged the damp course .','b912199e4988ce5b59fdbd9d18c5623e',0,'','',1,0,'',0,0,0),(481,74,4,469,0,'*.*',1268371255,1,0,1,1,1,1,'','Re: part buy scheme?','Hi there, yes it will be a 100% mortgage because you need to borrow 100% of your share unless you are putting any money down as a deposit? I did the same thing 2 years ago, good luck!','ce32203b522aa1f232552e414502acfe',0,'','',1,0,'',0,0,0),(483,28,4,471,0,'*.*',1268380240,1,0,1,1,1,1,'','Re: is right time to buy house?','Price-wise, yes it is the right time to buy, but getting a mortgage is the difficult part at the moment as the banks and building societies are making it difficult to get a loan','7210d7458819f2438c921ca7ebb14c95',0,'','',1,0,'',0,0,0),(484,47,4,472,0,'*.*',1268388164,1,0,1,1,1,1,'','Re: good time to buy houses?','Yes it most certainly is. \r\nIf you want to live in the Midlands, on the edge of a major city, I know of a detached home that is up for sale, with all contents included. \r\nThat\'s how good the market is at the moment','782089db34c418ea791645b8b99a1883',0,'','',1,0,'',0,0,0),(485,47,4,473,0,'*.*',1268388767,1,0,1,1,1,1,'','Re: good time to buy houses?','It\'s an OK time. There are some real bargains out there. But there are also some not-so-great values, and some really overpriced properties.\r\n\r\nIn addition, it\'s difficult to tell which way the housing market\'s going to go. Now, it\'s perfectly fine to buy a good value today if you plan on staying there for 8-10 years. Prices could decline for another year or so, then stabilize, then rise. And by years 8-10, you\'d still have a nice profit. But don\'t assume that prices are at the bottom right now; they probably aren\'t. That means don\'t buy if you think there\'s a reasonable possibility you\'d sell in 2-4 years.\r\n\r\nIf you\'re paying cash, then you ought to be able to get some very good deals. Just use that cash as leverage to get the best possible deal. Again, though, don\'t do it if there\'s a reasonable possibility that you\'d have to sell in a few years. If you buy now, view it as a long-term investment.\r\n\r\nHope that helps.','bb6f8910fe1cb66c7cf86e55f9927393',0,'','',1,0,'',0,0,0),(567,94,7,537,0,'*.*',1270047126,1,0,1,1,1,1,'','Re: How can I make money from home?','Online surveys waste time\r\nFree offers are not free\r\n\r\nSwagbucks is a search engine. You earn swagbucks randomly when using their search engine.\r\nNo downloads, no information, no filling out long surveys, nada\r\nJust your email.\r\nI joined a week ago and have earned 635 swagbucks so far, $5 amazon is 450 swag, paypal $5 is 700 swag bucks.\r\nJust use it instead of your current search engine  (Google pays nothing)\r\nEveryone starts with 30 free swagbucks.\r\nIf you refer someone, you get a matching swagbuck from them while searching, up to 1000 from each friend.\r\n\r\nIf that helped, please try the refer link in my profile, thx','0cf48ec15d01c62ef2f57ab2d9d77dd8',0,'','',1,0,'',0,0,0),(487,86,4,136,0,'*.*',1268412483,1,0,1,1,1,1,'','Re: Can I include Stamp Duty in Mortgage?','A mortgage lender will lend an amount related to the value of the home you are buying. Typically the most a lender will give you, at the moment, is about 75% of the value of the house, although the actual amount depends on the lender, the deal you get, your credit score etc. This money is secured on the house, which means that if you don\'t keep to the repayments they could repossess and sell your house to recover the debt. \r\n\r\nProvided you are up front about what you are doing you can use the money for anything you like. However, no lender will lend an additional amount, over their maximum, to cover Stamp Duty or any other costs of buying/moving. \r\n\r\nIn practise, if a lender will give you a maximum of 75% of the value of the house, you are going to need to find the remaining 25% plus all the other expenses (legal fees, removal fees, estate agents fees if selling as well) out of your own pocket, or out of the equity in your current home. If you are lucky and can find a lender willing to loan 85% or 90% of the value then the amount you need to find is reduced but still substantial. So in practise, you might be able to get the lender to give you a bit more money, but officially it will be for the house itself while the stamp duty and other fees will come out of your own funds.\r\n\r\nGenerally, the more you borrow for a particular house the less opportunity you have for the best deals, which are usually reserved for people borrowing 75% or less. But borrowing a bit more will not necessarily affect the interest rate directly.\r\n\r\nBtw, where are you if you can\'t find a decent 2 bed property for less than £250k? I assume the centre of London. You might want to think about living a bit further away from work somewhere that that sort of money might get you 3 or even 4 bedrooms. (EG I live an hour\'s commute from central London by rail and paid significantly less than £250k for a large 4 bed house. And that was at the very peak of the house market, I suspect it might be less than £200k now).','0e3764a27c09b2564283335b3301666c',0,'','',1,0,'',0,0,0),(488,47,4,475,0,'*.*',1268419071,1,0,1,1,1,1,'','Re: good time to buy houses?','Auctions are quite good for a bargain if you got the cash.But they are not for the faint hearted,you need to do your research,and have a good knowledge of building construction,as they attract a lot of un-mortgageable properties and need restoration. A lot of newer properties are coming up now,properties that were brought as buy to lets,landlords forced into selling.Some of these properties don\'t always get to their reserve prices,you can approach the auctioneer after with an lower offer.\r\nIf the house is to be your home for the next 5 years or more and you have the cash go for it.But defnitely do your homework.\r\ngood luck','2e8403ccc6655c77ede568743ca067e7',0,'','',1,0,'',0,0,0),(492,57,4,478,0,'*.*',1268441901,1,0,1,1,1,1,'','Re: How to start in the property market with no money?','You have no choice but to lend the money, most banks won\'t consider you without a large deposit. \r\n\r\nI agree there is money to be made renting, the demand always increases in economic depressions.','0bab419ea25cc28fb2328de9e4a1d517',0,'','',1,0,'',0,0,0),(493,85,4,479,0,'*.*',1268449557,1,0,1,1,1,1,'','Re: Has anyone used one of those companies that buy your house when you\'re desperate?','I haven\'t but I\'ve encountered people who have. The only time I would recommend this is if you are really really desperate.\r\n\r\nYou will only be offered 60-70% of the value of your house (some say they offer 80, but I\'ve never seen this work in practice). I\'ve also heard of people being offered less than that on the expectation that they will haggle upwards.\r\n\r\nRealistically, you are likely to get more for your home by selling it in the conventional way at a knock-down price. People are still buying houses, after all, and if yours is a bargain, well that will be the one that will sell! :)\r\n\r\nIf you need to sell urgently because you are moving area think about developers\' part exchange schemes. Obviously that ties you to buying a particular type of home. In a strong property market these are not usually a good deal, but as developers are also quite desperate at the moment, the deals you could be offered would be much better.\r\n\r\nIf you are desperate enough to need a home-buying company, perhaps to avoid imminent repossession, then make sure you get quotes from several.','82bc4a4e82c454899cc724f49242cd7a',0,'','',1,0,'',0,0,0),(494,28,4,480,0,'*.*',1268450420,1,0,1,1,1,1,'','Re: is right time to buy house?','If you have a good deposit it is the best time, if you have little or no deposit then no because the interest rates will be to high, the drop in interest rates are to the banks from the tax payer not from the bank to the taxpayer, find it do it up live in it and sell it some years and you will earn s good profit.','aa33a0213b273ddfa966eb038045fc01',0,'','',1,0,'',0,0,0),(569,94,7,539,0,'*.*',1270059376,1,0,1,1,1,1,'','Re: How can I make money from home?','Don’t worry there is an easy way to make extra money through internet. \r\n\r\nYou just have to invite more & more friends through any sources like Twitter.com, Facebook.com etc. The more your friends the more will be your income. U can withdraw amount by PayPal. \r\n\r\nIt is the easiest way to earn money online, most of the people do the same.\r\n\r\nJOIN HERE: http://ad.ly/refer/1599684493  & invite your friends here...','c80a32a5685c8dd996d7943bc946c5bf',0,'','',1,0,'',0,0,0),(497,85,4,483,0,'*.*',1268465433,1,0,1,1,1,1,'','Re: Has anyone used one of those companies that buy your house when you\'re desperate?','My neighbor sold to HomeVesters (not my company)  \"We buy ugly houses\" is their advertising slogan..   They paid her 60% of the \"value\" of the house.  They paid her cash and closed in 5 days.  \r\nShe was happy.  They resold the house in 24 hours but they had to wait 30 days for that buyer to get a mortgage.  So they were taking a chance since their cash was tied up for 30 days.','0d20e9ae430c03b76b3ac0357a157120',0,'','',1,0,'',0,0,0),(568,94,7,538,0,'*.*',1270057930,1,0,1,1,1,1,'','Re: How can I make money from home?','Forget everything you\'ve read and heard. Filling out surveys makes you virtually no money and they take forever. And all those people showing screenshots of earnings are simply trying to persuade you to buy their ebook, correct? Think about that for a second. If they were making so much with their websites or blogs or systems or whatever, why would they a) need to sell you an ebook and b) let you in on the secret to be their competition? Keep that in mind when you\'re searching around. I have been there and done that, from affiliate marketing to blogs to ebay and everything else in between.\r\n\r\nThat said, I can honestly say there is one proven method/system that has worked for me and it can work for you. I have found nothing else like it anywhere and it is the single most genius marketing concept I\'ve ever come across. Best of all, it\'s FREE. That\'s right, you go to this site and download the proven system for absolutely FREE. It sounds too good to be true but you\'ll soon see why it\'s free once you download it and read a little. And no, I\'m not a spammer or some robot trying to give you a virus. I am a 26 year old guy who found this and it truly is amazing. It will absolutely change your life (as well as the way you view all those other scammers selling ebooks). Check it out:\r\n\r\nhttp://www.supertips3.com/ultimate/xtip.php?allparam=affid=4946','9e6c8c5e01cae6b0db4af91a4e79ace0',0,'','',1,0,'',0,0,0),(503,28,4,277,0,'*.*',1268493375,1,0,1,1,1,1,'','Re: is right time to buy house?','Not quite yet.\r\nI would hang on another 6 months, I think houses are near the bottom but probably have another 4-5% to fall yet.','1b1b8b06e3643a6bd821d2ad96b647c0',0,'','',1,0,'',0,0,0),(504,65,4,394,0,'*.*',1268501644,1,0,1,1,1,1,'','Re: I need to borrow a loan to buy house? How do I do this?','Contact a mortgage broker. That\'s the quickest guide to what you can or can\'t afford.','dd4205a86ecf5c1b575438b6eb634225',0,'','',1,0,'',0,0,0),(505,65,4,487,0,'*.*',1268503202,1,0,1,1,1,1,'','Re: I need to borrow a loan to buy house? How do I do this?','Hello I am victoria jackson from canada,I want to advise all those looking for loan to contact Richy jake loan firm they will help you out,when I was searching for loan I posted a question on yahoo answer on how I could get loan and I got answer this from someone who directed me to them I apply and I got the loan fund transfer to me within 24hours you can contact the through richyjakeloanfirm@live.com','ca6e46a42fa3e9396c20a7a2a9da7361',0,'','',1,0,'',0,0,0),(572,94,7,541,0,'*.*',1270192597,1,0,1,1,1,1,'','Re: How can I make money from home?','the best way to earn money is going to this site http://www.points2shop.com/?ref=uin1271003907  earning money is easy u only have to complete offers and when u have enough points u can buy from amazon','0ca2e901034871b298a2c6b28151ae27',0,'','',1,0,'',0,0,0),(507,69,4,488,0,'*.*',1268518402,1,0,1,1,1,1,'','Re: I want to borrow a loan?','Hello, i am Mrs Linda Hills i saw your question on the internet, i want to refer you to the international loan company that help me consolidate my depth ,when i was searching for loan when i was in a bad shape, a friend of mine introduce me to WALLACE COLE LOAN AGENCY. That help me get out of my depth, the Agency offer all kinds of loan to any where in the world at a very low interest rate and even if you have a bad credit and low income they still offer service so long you agree to the repayment information, they are the only AGENCY. i know that can help you get a quality loan amount with a fast transfer without any upfront fees \r\n\r\ncontact them and i am sure they will be of great help to you .within 24hours. here is their contact Via Email:\r\nwallacecole44@yahoo.com','978450328ef0f96a93d323fc88fe84c2',0,'','',1,0,'',0,0,0),(508,69,4,489,0,'*.*',1268525669,1,0,1,1,1,1,'','Re: I want to borrow a loan?','Dear Sir / Ma,\r\n\r\nI know there\'s different Loan Firm you can contact and you will have the desirable result you are looking for.\r\n\r\nBut, I can Guarrantee you that when I was in need of a Loan Support it was WILLIAM SMITH LOAN SUPPORT that actually came to my rescue. I will encourage you to contact Him at williamsmith_loansupport@hotmail.com you will be glad you did.\r\n\r\nBy the way, their %percentage is quite reasonable and the approval if possible doesn\'t take more than a week.\r\n\r\nI wish you luck.\r\nHenry','b800196b69172515241dc25d0ce827bd',0,'','',1,0,'',0,0,0),(509,87,4,490,0,'*.*',1268531413,1,0,1,1,1,1,'','Living problems , going nuts.?','For the last few weeks i have decided i am sick off my life.\r\nI have no job, live with my parents and share a small room with my brother, no way of income, nothing to do.\r\n\r\nI am sick off it, my parents never gave me a good education or ever got a mortgage and live in a councils house. Too top it off we live in Dagenham Barking which is the 14th worst place to live in the uk.\r\n\r\nThe unemployment rate is nearly 3 times larger the the Uk\'s national average of 4.8 per cent, many people like me are unemployed are between age 18 to 25 and i know why.\r\nWhen i look for jobs (5years now) all i get is sorry no jobs available even places like tesco is full and not looking for new people.\r\n\r\nI used to look my best when applying for jobs, i was clean and neat and short hair but never any luck, in-fact i have only had 1 job interview in 5 years. I have many friends who are all the same expect only 1 friend was luck to get a job at Woolworth\'s but then that closed down.\r\n\r\nI want to get my own place and move up north to norfolk were i will be with the rest of my family(the smart ones).\r\n\r\nHow on earth do i get help ? it seems after you hit the age off 18 no one cares, no one helps.\r\n\r\nI feel very depressed and i feel angry when i see people on TV with money and buying house\'s because i cant even get a bloody job which i try so hard.\r\n\r\nI may add that one of my friends is worst then me and had to go to rehab, i could follow down this road quite easy.\r\n\r\nI wish to get a job which earns at least £800.00 a month so i can get a mortgage on a share buy house.\r\n\r\nWhat can i do, i cant cant live here or find work and such a poor area.\r\nI have been trying for 5 years for a job.\r\nPlease help.\ni tryed some job training program from the job center, which not really helped much.\r\n\r\nThe edcation here is very poorfor example  most gcse fail.\r\n\r\nfor the last 5 years there has only been 1 sucessfull year that left school which have not failed. that, and that was 3 years after i left.','ec9869089a6f523ed1587300e32fc61b',0,'','',1,0,'',0,0,0),(573,94,7,542,0,'*.*',1270193634,1,0,1,1,1,1,'','Re: How can I make money from home?','Global Test Market, Buzzback, ACOP, and Neobux all allow you to take surveys and click ads to make money, they are all free to joing, and legitimate.','d71964345de6c27a187837bfbfbda7ef',0,'','',1,0,'',0,0,0),(574,0,4,543,0,'*.*',1270680976,1,0,1,1,1,1,'','','yes','a6105c0a611b41b08f1209506350279e',0,'','',1,0,'',0,0,0),(575,0,4,544,0,'*.*',1270681208,1,0,1,1,1,1,'','','Yes smokers are discriminated against and persecuted. There are far more dangerous habits that have an impact on other people. I am looking forward to the day when those who have sex with many partners are taxed highly and criticised for their impact on everyone\'s health, or maybe those who drive cars over 2 litre engine size face the same level of criticism or perhaps those who impact on the environment and uselessly consume goods such as spend money on clothes they never wear.\r\nThe list is endless, the reason smokers are the scape goats is unfathomable.','24767e72b60f4185d80e8f1eaba2aba5',0,'','',1,0,'',0,0,0),(512,55,4,358,0,'*.*',1268539712,1,0,1,1,1,1,'','Re: do you think its a good idea for the uk gov to encourage people to buy houses the cant afford?','People have stars in their eyes and want a fantasy home, rather than the more modest one they can actually afford. In past years this worked out because there was no housing bubble, there was the more boring plodding increase in value and increase in expected income.\r\n\r\nFor now, those days are gone. But people still want the best right away and don\'t want to slowly work towards it.','bcc8c9200b1e0f0c4d07e456b3e6374c',0,'','',1,0,'',0,0,0),(513,69,4,492,0,'*.*',1268542896,1,0,1,1,1,1,'','Re: I want to borrow a loan?','Hi.\r\n    I am Kelly Williams and i saw your question about needing a loan,In the internet they are a lot of scams out there.I decided to answer your question to prevent you being scammed. I got a loan of $500,000 from an agency online and i was lucky not be scammed. They give all kind of loan and if you apply for loan from their company you will get your loan withing 24banking hours Contact them at sylvesterloancompany@yahoo.com interest rate of .2% is simply great.they use a yahoo email account on our request because its makes contacting them easier','43b17c3a660b482eedb5cc1c7baa5587',0,'','',1,0,'',0,0,0),(514,69,4,492,0,'*.*',1268548905,1,0,1,1,1,1,'','Re: I want to borrow a loan?','Hi.\r\n    I am Kelly Williams and i saw your question about needing a loan,In the internet they are a lot of scams out there.I decided to answer your question to prevent you being scammed. I got a loan of $500,000 from an agency online and i was lucky not be scammed. They give all kind of loan and if you apply for loan from their company you will get your loan withing 24banking hours Contact them at sylvesterloancompany@yahoo.com interest rate of .2% is simply great.they use a yahoo email account on our request because its makes contacting them easier','43b17c3a660b482eedb5cc1c7baa5587',0,'','',1,0,'',0,0,0),(515,69,4,493,0,'*.*',1268551073,1,0,1,1,1,1,'','Re: I want to borrow a loan?','Actually that depends on the loan company you will be transacting with. There are companies who let their clients get a loan of a certain percentage of the amount of the house. Like 25-50% of the amount. But if in case you want to try other options you can check out other types of loans. Just make sure that you trust a reliable loan company. Or have a good financial adviser.','a74bd8e693116fa9aa9f084de236968d',0,'','',1,0,'',0,0,0),(516,55,4,254,0,'*.*',1268564048,1,0,1,1,1,1,'','Re: do you think its a good idea for the uk gov to encourage people to buy houses the cant afford?','Firstly, the British government is not encouraging people to buy houses they can\'t afford.\r\n\r\nThe whole housing problem in the UK has, in large part, been brought on by people buying houses that they can\'t afford but this has been brought on by the banks being happy to lend money to every Tom, Dick and Harry as opposed to limiting lending to those who can afford.  It is true that the government could have interfered with this and stopped it but they certainly haven\'t encouraged the problem.\r\n\r\nI\'m not really sure where the point about Stamp Duty comes into it.  I can\'t imagine that the recently announced \"holiday\" will encourage anyone to buy - I know it certainly doesn\'t make a difference to me (since I live in London and there aren\'t any homes here that cost under £175,000).  Even if it does make people want to buy, the banks have now quit lending money to those people who aren\'t in a good financial situation so it doesn\'t mean that they\'re going to be able to buy.','5c8bca21803c501fa9c0817bfbaed799',0,'','',1,0,'',0,0,0),(517,0,4,473,0,'*.*',1268571766,1,0,1,1,1,1,'','','Yes.\r\n\r\nAs is noted by another answer, the title should be recorded. But, technically, it\'s yours when you sign the title.\r\n\r\nWhether you paid in full, obtained a mortgage, or didn\'t pay at all doesn\'t matter regarding ownership. There\'s a real estate investor technique called a \"subject to\" in which an owner deeds his home to someone else, but the mortgage remains in his name. So the investor to whom the house is deeded owns the home...even though the mortgage is in the name of the previous owner.\r\n\r\nHope that helps.','25b803509bddaaf75b469be75b758fa7',0,'','',1,0,'',0,0,0),(577,95,4,546,0,'*.*',1271050424,1,0,1,1,1,1,'','does anyone know about bmv deals buying houses at discount prices to rent?','the idea is you pay £29,950 get 3 houses to rent at discounted prices and then rent them out, has any one done this or heard about it before','27bb348fbefcfcf9cf85f02318502b91',0,'','',1,0,'',0,0,0),(519,0,4,494,0,'*.*',1268579889,1,0,1,1,1,1,'','','Officially yours when title is recorded with the county clerk.','4ff63190ca320f2ed131f2e101507a20',0,'','',1,0,'',0,0,0),(520,87,4,495,0,'*.*',1268583993,1,0,1,1,1,1,'','Re: Living problems , going nuts.?','one day at a time\r\nget in a job training program, build new skills','c326524af79c3c63335eab486d2c4811',0,'','',1,0,'',0,0,0),(521,0,4,496,0,'*.*',1268592273,1,0,1,1,1,1,'','','Technically, you are not \"signing title\".  The seller is conveying their rights to the property; they are signing*. \r\n\r\nOnce the Deed is transferred with the County Auditor and recorded with the County Recorder, the property is all yours. \r\n\r\n\r\n*not trying to be a smart alec, just wanted to make sure there was no confusion.','c8be1ff1fd36ef7aa0e79d369679c16a',0,'','',1,0,'',0,0,0),(579,95,4,548,0,'*.*',1271063797,1,0,1,1,1,1,'','Re: does anyone know about bmv deals buying houses at discount prices to rent?','BMV deals usually profit the seller - who has bought repossessions or properties from bankrupt builders.  There have been many horror stories about BMV clubs and schemes - with thousands of pounds being lost.\r\n\r\nIf the deal was so good, why are the people willing to sell them at supposedly \"Below Market Value\", when they should be able to get much more £ AT market value?\r\n\r\nCut out the middleman - go to several property auctions and once you have got the feel of them, you could buy your own \'repossession\' at a good, genuine, price.','7b4eb65f9ecf1f21a02a532920d05213',0,'','',1,0,'',0,0,0),(523,87,4,498,0,'*.*',1268607651,1,0,1,1,1,1,'','Re: Living problems , going nuts.?','Your 18 Have you been to a agency for work ok the money ain\'t great but its money and its a start some full time jobs can come from agency work.There are people much worse than your self.I used to live in B&D but that\'s when it was a nice place to live.','961d9e8a465605958ebb86ff6e3bce62',0,'','',1,0,'',0,0,0),(524,87,4,497,0,'*.*',1268612513,1,0,1,1,1,1,'','Re: Living problems , going nuts.?','Stop thinking about what others did or did not give you.\r\n\r\nYou are an adult now, responsible for your own place in life.    You are where you are because that is exactly where you want to be.\r\n\r\nDecide to get yourself an education, you will not get anywhere if you continue to do without and no one other then yourself is going to take care of this.','60dc3761af0a8663fd8cf37dd307d054',0,'','',1,0,'',0,0,0),(525,87,4,499,0,'*.*',1268620877,1,0,1,1,1,1,'','Re: Living problems , going nuts.?','Is there any chance that one of your relatives up north would be able to take you in until you can find a job? It\'s obvious that it is the environment that your in that is keeping you down. I can tell from your writing that you are somewhat educated so don\'t be hard on yourself, you\'ve done well despite the hurdles you\'ve faced. It seems like you know what you want and what is best for you, and you\'ve figured this out at a young age (congrats) you have you\'re whole life ahead of you so just keep trying.\r\n\r\nWhen going for a job, make sure you appeal to what they are looking for in a potential employee. Cheers!','e216418776de70ceaeffeab82c7821ca',0,'','',1,0,'',0,0,0),(585,97,3,554,0,'*.*',1272353794,1,0,1,1,1,1,'','Re: What kind of job should I do?','it  seems that , driver  taxi driver , or bus driver ,maybe the best job for you , hope this helps','7f59e80f179804b5850d5baef8cde0c2',0,'','',1,0,'',0,0,0),(527,88,4,501,0,'*.*',1268633463,1,0,1,1,1,1,'','Some advice on Buying House?','Rightio :) I\'m hoping you lot can help me out here.. cause im a little stuck...\r\n\r\n\r\nWe placed an offer in for a house that we can rent out (The full asking price) Which was gladly accepted. We were three weeks into the transaction, and i had already paid for solicitor fees and all other fees that would need to be paid. The mortgage had been sorted out, and the only thing to be waiting for was the HIP. \r\n\r\nHowever, today, we recieved a phone call from the estate agent, telling us that someone had knocked privately on the door of that house, placed a higher offer, and they were pulling from us, and accepting the higher offer and continuing using the Estate agent as the sole agent to complete the transaction. \r\n\r\nIs that legal?? I know we hadn\'t exchanged contracts, but the house had been taken off the market, and sold subject to contract. I thought.. That if an offer is placed upon a house, that agents are not allowed to accept any further offers on the property within a reasonable amount of time. That is bad Estate Agent service probably not within the NAEA Code of Conduct (Which the agent is part of) \r\nEven though the offer was privately put in, the estate agent could of told them that it was not right/legal, and were too far in to pull out? \r\n\r\nIs there anything i can do to help? Should i send letters of complaint? Contact the NAEA? \r\n\r\nThanks! :)\nJust to add on to Vicky\'s answer.. \r\n\r\nEven though the agent did not introduce this buyer, they are still operating as the Sellers agents, and will be getting the commission from this sale!','4362f2097c09d6b11dc0e6dde1c5c210',0,'','',1,0,'',0,0,0),(580,96,3,549,0,'*.*',1271922688,1,0,1,1,1,1,'','Vehicle tax band-how to understand?','im loking to buy car in uk and i would like to find all information about veihicle tax band.how they count tax on roads?','3f284ea89b9d79a8447e85cc5f1b9f61',0,'','',1,0,'',0,0,0),(581,96,3,550,0,'*.*',1271926014,1,0,1,1,1,1,'','Re: Vehicle tax band-how to understand?','try this site (i\'ve used it):  http://infofinance1.notlong.com/5AAkI8L','75496160bcb3198f9e9382a7dfbfa3b5',0,'','',1,0,'',0,0,0),(582,96,3,551,0,'*.*',1271934681,1,0,1,1,1,1,'','Re: Vehicle tax band-how to understand?','Official Govt site below. Everyone in the UK seeking Government information should be bookmarking Direct Gov. You can also access it through your TV Direct Gov has its own channel 106 on Freeview.','22661f657ed0f7c0806e59f2c29ada89',0,'','',1,0,'',0,0,0),(583,97,3,552,0,'*.*',1272338246,1,0,1,1,1,1,'','What kind of job should I do?','Im 17 and currently a student in college studying ict. I find it boring because I\'m interested in cars mostly, I don\'t know what a good job would be between cars and computers. Anyways what qualifications do I need to open a car hire business and how much money would I need? We basically will buy cars and sell them on hire','cbee8bd331f69d9a1a6282a2aec48786',0,'','',1,0,'',0,0,0),(584,97,3,553,0,'*.*',1272346658,1,0,1,1,1,1,'','Re: What kind of job should I do?','There are lots of potential issues for youngsters in work, many of them law-related, parents and guardians want to be vigilant about that. There is lots of guidance from the site in the box below on this issue, they also have guidance for all people who are hunting for work, or who want to change careers.','43a37bf0e3b2bcb3b82dd8ae8a5fa85d',0,'','',1,0,'',0,0,0),(531,89,6,505,0,'*.*',1268648905,1,0,1,1,1,1,'','anyone had any dealings with or know of a company called Blue Chip SL.?','They buy holiday club contracts and sell them on and have made me an offer for my Club Class membership','7de417463b7c400c78bafe2b067b4171',0,'','',1,0,'',0,0,0),(532,90,4,506,0,'*.*',1268648911,1,0,1,1,1,1,'','Should I rent or buy an apartment?','I am a 21 year old professional in the oil industry, income is £2000 - £3000 and I have no debt and £13000 in savings. However, I still live at my parents because I don\'t have a secure location. The company might want me to move to Paris or wherever (Yet, I can turn them down and it will be for a management position where I don\'t speak french and I look 18 years old). I just really wish to move out.\r\n\r\nI\'ve been single for a little while and I think the problem might be the \'meet the parents\' about 1 week into dating. Anyway, enough rambling.\r\n\r\nPro - Buy house:\r\n\r\nInvestment and equity\r\nDecorate it as my will.\r\n\r\nPro - rent apartment:\r\n\r\nGives me a lot of leg room to move about and break lease terms.\r\nDon\'t need to worry about my apartment while i\'m on a contract.\r\n\r\nAdditional information:\r\n\r\nI will be away from home for 6 months a year, on rotation 4 weeks on and off.\r\nI don\'t trust anyone enough to be a room/house mate and look after my property/apartment.\r\n\r\nSo, if you were in my position where you have a stable job and can live anywhere in the world, what would you do?\r\n\r\nAll constructive advice and insight welcome.','9e6ac1983543e17b2529083685c0d71f',0,'','',1,0,'',0,0,0),(586,98,4,555,0,'*.*',1272569926,1,0,1,1,1,1,'','Does my landlord has the right to ask me to move to other accommodation?','Hi\r\n\r\n-- Firstly I would like to say sorry for my english.\r\n\r\nI am renting with my landlord at house A.  I decided to buy house B. I wrote a letter to my landlord and stating that I wanted to move out at the middle of April 2010. \r\n\r\nAnd I got the email reply stating that I need to move out on 1st of May 2010 ( because of the contract stating that we need to move out on every 1st day of the month.   \r\n\r\nI agreed with that on 28 March 2010\r\n\r\nOn 2th April, 2010, I decided not to buy house B.  It is because the house B got a lot of defectives and the vendor shows no intentions to pay for these cost. \r\n\r\nOn 4th April 2010, my landlord brought a lady and come to view the house.  \r\n\r\nI told my landlord that I may not able to move out because of house B problems.  He said he can shows me his new development.  \r\n\r\nSo, on 5th April, 2010, I went to see the new development with him.  but it was half built and there was not much details about this house.  So I asked the landlord for more information.  \r\n\r\nOn 5th April evening, I went to see house C.  \r\n\r\nAnd 7th April, my landlord has no reply on the new development information, so I went to proceed with the offer of house C.   The mortgage advisor said it takes only 1 to 2 weeks to proceed with the valuation for the bank. And this valuation is free (stated clearly on email). After that I can exchange the contract.  \r\n\r\n9th April,  On this email the landlord state that the lady came to view the house on 4th April wanted to move in on 1st May. I have replied him that I am not sure when I could move out.  I explained the reason about it. \r\n\r\nAfter 9th april, my landlord continue to email, calling me, and knocking my door to asked for the date of moving out.  I told him that I am not sure.  \r\n\r\non 23rd April, the mortgage advisor call us for £345 fee for the valuation fee.  I was not happy about this but I still paid for that.  \r\n\r\n28th April, landlord calls and email me and knock my door  to ask me to move out on the 1st of May .  He provide an other house with is near by.   The reason is that the landlord has accept the deposit and rent from that lady.    And if this lady cannot move in in the 1st of May, she got no place to go.   And besides, he said he dont know how long I will take for.  \r\n\r\n28th April, my solicitor has contacted the bank for the valuation report.  Everything is fine but just waiting all the documents to the solicitor.  If everything go fine, I should be able to exchange contact in 1 day time\r\n\r\n29 April, landlord email me said if I cannot move out on the 1st of may,  I will have to responsible for the cost of paying the hotel for that lady. \r\n\r\nRight after his email and I also got his phone call, I told him I can move out on 8th May.  But all I ask for is my deposit back and I needed him to promise I have no responsibilities to any cost involved in that lady\'s hotel charge. \r\n\r\nI have sent the email to ask him to confirm about the refunding all my deposit and no responsible to any cost of that lady. \r\n\r\nMy question is : \r\n1. can my landlord asking me to leave ( I always pay rent on time, but he never give me receipts) even he did offer me another house to move, but it is not reasonable to move there for 1 week staying.  my hand and legs were suffer of long term pains, and my partner always at work, how can we move out in just 3 days time ( landlord wanted us to move out before 12:00pm 1st may 2010.\r\n\r\n2. Mortgage adviser : she advise us the valuation report is fee but actually it is 345 pounds.  she said it was her mistake but we still need to pay for that.  \r\n\r\nAbout the time issue, she said it takes 1 - 2 weeks max, but I inform her about the house C application on 7th April but it takes more than 2 weeks for that.  \r\n\r\n\r\n\r\nIt would be great if there is anyone tell me if my landlord has the right to ask me to move out even I have emails to proved that I am not certain about when I could move out? \r\n\r\nBesides, how can I get back the 345 pounds from the mortgage adviser.. since she said it was free but it was not.  ( just 8 days after the contact exchange she call me for the cost) \r\n\r\n\r\nAny advise will be a great help.\r\n\r\nBest regards\r\nJN','e1c7155b5a8a5d18e6c8d66634c80cf8',0,'','',1,0,'',0,0,0),(535,88,4,509,0,'*.*',1268663375,1,0,1,1,1,1,'','Re: Some advice on Buying House?','In the US, if it isn\'t in writing, it doesn\'t exist.  Until you have an executed contract, the house is still available.  The only fault I would find with your agent is that he should have made sure you had an executed contract in hand.  After 3 weeks, I can\'t imagine why you don\'t have one.','3b0013ef1eef1d80fa310d8afa1c5e17',0,'','',1,0,'',0,0,0),(536,88,4,84,0,'*.*',1268667855,1,0,1,1,1,1,'','Re: Some advice on Buying House?','In the UK it happens all the time. The house is not secure until you have exchanged contracts. The Agents can accept higher offers right up to the time that contracts are exchanged.\r\nSad but true.','36dd7da1c4aa2e6b5f7d2ba76c55cb28',0,'','',1,0,'',0,0,0),(537,90,4,510,0,'*.*',1268672278,1,0,1,1,1,1,'','Re: Should I rent or buy an apartment?','Since you don\'t really trust anyone, keep your money in the bank.\r\n\r\nI\'d have otherwise suggested both buying an apartment, and renting part of it out to some trusted person - but you\'ve already said you don\'t trust anyone.\r\n\r\nWhen you do get called away by your work, that income could be quite handy - and of course, there is the added bonus that they\'d baby-sit your locked room doors while you\'re away - so less chance of burglers. Of course, family members could always drop in on your part of the house every once in a while to make sure the place isn\'t turning into a bordello - whatever that is... (hah-hah).\r\n\r\nAt the end of the day - you would both have your cake and eat it.  You\'d have both equity and investment - (and you get to decorate in any colour you want). \r\n\r\nIf you wanted to liquidate a flat in Paris coz you no longer need it - it could make a bit more cash than leaving it in the bank, and be much less risky than putting it on a horse.','7aaec56f9d5a398ef26dc938f5a34861',0,'','',1,0,'',0,0,0),(538,88,4,189,0,'*.*',1268678271,1,0,1,1,1,1,'','Re: Some advice on Buying House?','It is legal as nothing is signed.','b0c421523574eddbd7989695e82482e6',0,'','',1,0,'',0,0,0),(539,90,4,511,0,'*.*',1268679441,1,0,1,1,1,1,'','Re: Should I rent or buy an apartment?','As you have stated,you only are ashore 6 months of the year so buying as an investment to rent out is an option and you stay at home with parents.Renting to pay for 12 months when you only use it for 6 seems pointless and a waste of money.I would stay put and if you meet someone nice then explain the reason for staying at home is pure convenience as other options are not sensible.You could always Buy a holiday caravan local to do your romancing in if there is such a park near you or just book a hotel if you want to.Pity you cannot find a trustworthy person to share a place with.Good luck with whatever you decide to do but at your age I would just see the world and have fun.Plenty of time for mortgages etc when you get married and start a family.','61dc7be69b246a16b2944f61828be019',0,'','',1,0,'',0,0,0),(542,89,6,81,0,'*.*',1268795185,1,0,1,1,1,1,'','Re: anyone had any dealings with or know of a company called Blue Chip SL.?','not as such no , but i too have had an offer for my time share membership, i have had to lay out 1200 euro,s as a deposit but it is re-imbused when it is sold , supposedly!. but i had dealings 18 months ago with  a company and im still trying to get my deposit back. if you have any more info or want to mail me please feel free. paul','9aec26eb580cf522c61809075f8df6e3',0,'','',1,0,'',0,0,0),(543,91,4,514,0,'*.*',1268949120,1,0,1,1,1,1,'','Can i rent out my bought housing executive home?','Hi, i\'ve just bought my housing executive home, i own all of it. I was wondering can i rent it out straight away or do i have to wait so many years.\r\nI know i have to wait 5 years until i can sell it, so i was wondering does the same apply with renting it out.\r\nThanks\r\n\r\nBTW i live in Northern Ireland','1021f1b36d4294d9661c34c4f41dd4fc',0,'','',1,0,'',0,0,0),(619,110,7,588,0,'*.*',1278826581,1,0,1,1,1,1,'','When was the last time you bought a CD and what was it?','or do you just buy digital copies and singles? or do you even buy them?','a241cbf14c01cfb7d2b977559cbbf857',0,'','',1,0,'',0,0,0),(620,111,6,589,0,'*.*',1278826639,1,0,1,1,1,1,'','How stressful has your Holiday shopping experience been this year?','Compared to previous years...','84ccfddf2d6cbfe6e39990b9aad227b5',0,'','',1,0,'',0,0,0),(621,112,4,590,0,'*.*',1278826700,1,0,1,1,1,1,'','Do you think neighborhoods should get to approve people who buy houses near them to keep out \"ghetto\" types?','Do you think that neighborhoods should be like small democracies who get to approve potential homebuyers who want to move into their neighborhood? That way certain \"types\" wouldn\'t devalue the surrounding homes when they move in.','c60297422a8a79259df589cca073f26a',0,'','',1,0,'',0,0,0),(622,113,5,507,0,'*.*',1278826783,1,0,1,1,1,1,'','nokia n8 or galaxy s(i9000)?','plz help me to buy phone mentioned above.  among them which has higher specification which \'ll u prefer ..........helpppppppppppppppppp','d4cc51b4abe86892d3687461c4532023',0,'','',1,0,'',0,0,0),(623,114,6,591,0,'*.*',1278837692,1,0,1,1,1,1,'','Where can I find Angus, Thongs, and Full-Frontal Snogging as a free e-book?','I read this great book back in Middle School and just found out there was a movie made after it. Well, the movie isn\'t quite as good as the book (not at all really) so I\'d like to re-read it. But my library doesn;t have it and surprise surprise, I\'m broke after holiday shopping.\r\n\r\nSo where can I find this, and perhaps the rest of the Georgia Nicolson series online for free?\r\n\r\nPlease give me a link to the actual book, not a link to e-book websites\' homepages. I\'ve already searched a few... No luck. Yet.\r\n\r\nIf you can find it really cheap, I\'ll buy an e-book, but I\'d prefer it free (who doesn\'t?).','b42128c1ec2218d1759c9cf2fa49998d',0,'','',1,0,'',0,0,0),(624,115,4,592,0,'*.*',1278837694,1,0,1,1,1,1,'','3 day notice to pay rent of quit..new owner demanding rent for June..?','To sum up without great detail, we have a 2 year lease with our former owner. She lost the home to foreclosure and it was sold at auction to a new buyer 3 weeks ago. A broker representing this owner (who is someone who buys houses, fixes them up and resells them..) told us we needed to leave but I told her I have rights. I know they want us out but I have a right to finish my lease time. \r\nSo I provided her a copy of the lease and since I had already paid June\'s rent to the previous landlord I told her that I would not pay two rents for June. \r\nShe did not contact me for a few days then the other day stuck a 3 day notice to my door while I was out of town and told me to pay for June\'s rent or get out. \r\nMy question is this: My lease still says the name of the former landlord. Are the new owners required to write me a new lease since technically the information included on my lease is now no longer valid. (eg. Landlord name, address, etc..) I do not feel comfortable turning ANY money over to someone that I do not technically have an actual lease with..what to do?\r\nAlso, my lease states that pool and water and yardwork is paid by owner but this past month I had to pay it myself since the new owner did not transfer anything yet..can I request to take that off?\nbtw, I have been here almost a year and the owner did not default before I had been here several months..','a9646849128cab1cea7a2315069671b4',0,'','',1,0,'',0,0,0),(625,116,7,593,0,'*.*',1278837975,1,0,1,1,1,1,'','What Lens should I buy?','I bought Digital SLR camera last year. and I spent the whole time taking pictures. right now I\'m into photography but I want to know few details about the Lens.\r\nMy current lens, Nikkor 18-55 mm 1:3.5-5.6G, Came with the Nikon I bought - D60 (10.2 MP).\r\nBasically, what I want to know is that, when I shoot photos in relatively low light it gets all blurred and the quality is not so good. (there is noise on most of the surface on the photo). Generally I shoot in M mode, i set the speed and exposure myself but I think I\'m not doing something right.\r\nNow I\'m asking photographers, if I buy a better Lens than this, like 55-200mm, would the quality of the photos improve?\r\nAnd I was told that I can\'t work in photo studios with this lens (18-55), so what lens should II buy to shoot professional photos, in studio, or outdoors?\r\nPLEASE HELP!!!','e618ac6478b279738fa51319655b6c9b',0,'','',1,0,'',0,0,0),(626,117,7,594,0,'*.*',1278837978,1,0,1,1,1,1,'','I just don\'t understand anymore?','I\'ve had my Mirena IUD out now for 1.5 years and I\'m still not pregnant. I did bbt\'s, measured cervical mucous...the whole kitten cabootle. I did this for over a year and still nothing. I even went as far as buying digital ovulation sticks. Talk about expensive! Anyways, we\'ve since then given up, stopped thinking about another baby and we don\'t even talk about it anymore. Just until recently when really buckled down and would like to give our 2.5 yr old daughter a lil brother or sister as she\'s been requesting. Back to the same old, same old. We\'re frustrated again and nothing is happening. \r\nHere\'s a lil info that I forgot to throw in there. I had to get my Mirena IUD removed because I developed PID (Pelvic Inflammatory Disease) 13 months after getting it inserted. Do you think that because it took the drs 2 wks to find out what was wrong with me and get me on meds that this is the reason why I\'m not pregnant? Do you think maybe I have scarring on my fallopian tubes or on my cervix b/c of this? \r\nI\'m very very frustrated here, someone please help me. My friends are having more babies and ppl around me are having babies and all I do is cry b/c it\'s not me having a baby. My maternal clock is back to ticking and my hubby and I would love to give our daughter a sibling. I need answers, please help me.','2ad24c51c32650c7a4cf539039bd5301',0,'','',1,0,'',0,0,0),(627,118,5,595,0,'*.*',1278837983,1,0,1,1,1,1,'','this is second time i am asking blaah why no one is answering my question?','Please help me in buying mobile phone hah?\r\ni want to buy a mobile phone\r\nand my budget is under 300$\r\n\r\nand i want a mobile phone especial