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  1. Phill4321

    Mortgage Rate Rises

    So true. There is definitely a cost to certainty and also a peace of mind.
  2. Phill4321

    Mortgage Rate Rises

    100%. I’m glad we did it even with the expense. Me and my wife sleep much better knowing what our monthly payments are and also knowing that we won’t have the worry of shopping around in the future with potentially higher rates than what we were able to lock in at last year. Even if rates drop...
  3. Phill4321

    Mortgage Rate Rises

    I read that the best way for banks to tackle inflation is via raising interest rates. I read that if we had sticky inflation it was possible that rates could go up and stay up for a while (possibly years). My mortgage was due to renew around mid this year but I didn’t want to chance it and...
  4. Phill4321

    This is getting ridiculous (energy prices - Strictly NO referrals!)

    I am with SSE and at the time (October 2021) they offered different fixed term packages. 1 year to 5 years from what I remember.
  5. Phill4321

    This is getting ridiculous (energy prices - Strictly NO referrals!)

    At the time SSE offered a 5 year fixed. They had 1 year, 3 years and 5 years from what I remember. I took the middle option of 3 years. I think the 5 year option was about 20% more per kWh for gas and electric. I wish I had taken that now. My logic at the time was I could see gas and electric...
  6. Phill4321

    This is getting ridiculous (energy prices - Strictly NO referrals!)

    After reading some of the posts above I am glad I locked in October 2021 for a 3 year fixed. I managed to lock in until October 2024. My electricity is at 27.98p per kWh and 24.87p per day standing charge. My gas is 6.64p per kWh and standing charge is 26.12p per day. I could have gone for a...
  7. Phill4321

    bet365 boss pays herself £265 MILLION

    No wonder the £50 inplay offer on the football came to an end.
  8. Phill4321

    *** Xbox Series X|S - General Discussion Thread ***

    I can feel the adrenaline pumping as I refresh all the pages that I have open :D
  9. Phill4321

    *** Xbox Series X|S - General Discussion Thread ***

    Very takes payment upfront
  10. Phill4321

    The Last of Us Part II

    Finished the game last night and loved it from start to finish. Took me 35 hours to complete. I was in the edge of my seat most of the time as the story gripped me and the atmosphere of the game was intense. Up there with the first one in my opinion. It can’t be that bad with the amount of...
  11. Phill4321

    STALKER Remastered Mods.

    Thanks for that. I will check it out :)
  12. Phill4321

    STALKER Remastered Mods.

    Has anyone installed these? Are they easy to install? I remember the complete mod for these and it was brilliant! :)
  13. Phill4321

    Is there such a game...

    Stalker with the Complete MOD to improve the graphics and game play? It looks impressive with that MOD in my opinion :)
  14. Phill4321

    1080ti prices. Has everyone got a screw loose?

    I luckily bought an EVGA 1080ti FTW3 a couple of weeks ago for £730. Pure luck on my part as I would not want to buy now!
  15. Phill4321

    GPU prices go boom

    Direct purchases from AMD would be great and it seems to work for NVIDIA I guess :D. We shall see in regards to lawmakers but from what I read they simply want to regulate the market which seems fair enough. Interesting times ahead!
  16. Phill4321

    GPU prices go boom

    PC gamers on a PC gamers forum are upset about expensive PC gaming cards. There is nothing to be shocked at here. I'm surprised how everyone is up in arms about this. Just wait patiently for prices to drop which they will when mining becomes unprofitable again. It’s a free market and this is how...
  17. Phill4321

    The Pascal GTX 1080 Ti Owners Thread

    Haha, not quite pal :D. If you look at the top of the case you can see I took the photo at a slight angle. It looks like its sagging because of that.
  18. Phill4321

    The Pascal GTX 1080 Ti Owners Thread

    Well its installed now and I am loving the tidyness it brings to my build. Thanks Tamzzy! Close up of the adapter
  19. Phill4321

    The Pascal GTX 1080 Ti Owners Thread

    Haha, yeah a bundle would have been good! It will take 5 days to get here. I'll post more picks with it in :D:cool:
  20. Phill4321

    The Pascal GTX 1080 Ti Owners Thread

    Wow I didnt even know that existed! Just ordered! Thanks for the heads up :D. Many thanks! :D Thanks and its an honour :cool:
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