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I would say that, in the current climate, you would most likely save by paying more off the mortage debt than you would saving all spare money. That said, a small pot in an ISA would obviously have its benefits for instant access to money for purchases or unexpected expenditure. But don't take...

I listened to Everybody Hurts. He can sing, but as you have conceded, there are a few pitchy notes. That said, he can basically sing and appears to be able to play (I'm far from an expert on that regard).

Am I blind; I can't see a link?

Okay, okay... put it back in your trousers! :p I have just watched it on iPlayer and I don't see anything too shocking, outrageous or disrespectful about her interview or performance. She seems to be herself, that's all. Of course not everyone is going to like her or take to her.

Constantly evaluating finances has become a hobby for me and my Fiancée. Using Microsoft Money and/or a spreadsheet looks really interesting, I'll have to look in to this as it may be handy when childcare costs start taking effect! :)

The stories in this thread are awesome! My son, Jonah, is 6 months old so I have all of this to come (or not, hopefully)! :D

Just a word of caution for those of you who are laying decking on a sloped garden, or at a significant height from the ground level; you may need planning permission to do so! :p More on the English Planning rules: here. Scotland will shortly have a new set of 'permitted development'...

It may have been a tad too early to speak to truthfully to your girlfriend about this issue, and perhaps you misjudged her loyalty to you and to her mum. Even if she felt the same way as you, she probably would have been offended that you brought it up. I wouldn't wholy retract what you said, as...

The bunny hop bit raised a giggle! :p

Well, in 6 years time you'll be able to use the new landmarks as a navigation aid!

I don't believe the correction I made to Pilky's comment about what institution (BoS, not HBoS) attempted to purchase Natwest had been answered, so the post was still relevant. I was only attempting to correct the misinformed or confused (yourself included) as I used to work for HBoS...

This thread is chaos! Note: It was Bank of Scotland alone that almost bought Natwest, not (what was until recently known as) HBoS. HBoS was formed after this attempt, when Bank of Scotland merged with Halifax plc. HBOS has now been purchased by Lloyd's TSB and has been absorbed in to the...

Me too. As a result of losing access to Pandora, and a few changes in my lifestyle, my music listening time has dropped dramatically. So I'll give this a whirl as it looks promising :)

The chances are you're already using the strongest. I would go and see your GP; they're more likely to give you better advice than we could, notwithstanding the rules on non medical threads.

Yay! I thoroughly enjoyed the end to the game, a non-event (literally) for most of it. Turkey did play well, however, Germany played very poorly also and will have to improve significantly for the final. The German training tomorrow needs to focus on defensive drills!

Awesome: My old University! Mine: Band: Brisingr Album Title: Greatest Men and Women Cover Art: Good game :)

I was in Copenhagen a few years ago and decided to visit Malmo for the day... Whilst having some passion fruit cheesecake in a city centre cafe, I can confirm that the stereotype held up very well through three excellent examples. Even my girlfriend at the time couldn't believe that of the...

Tofino, now there's a beautiful place. I loved Vancouver Island :D

Either Massachusetts or Washington; those are the two states where I have felt most comfortable and loved spending my time :). Saying that though, Rhode Island and Connecticut were awesome too! In summary, I loved New England and the north west! :p

Are you sure you don't have a 30 Day Notice account? There is no reason why, under normal circumstances and where your account's conditions allow that ISAs can't be done instantly. I feel dirty for getting involved in a banking thread :p