I went exploring on Hampstead Heath over lunchtime the other day, looking for wild things to photograph (see UKNatureBlog for the results). From the top of Parliament Hill I took this photograph looking back towards Canary Wharf and my work office in the nearer foreground. Click for bigger version.
I'm afraid that the nature posts are going to dry up here, but never fear for they're all now going to be on UKNatureBlog.com – a new blog specifically for the flora and fauna of the UK and all related things, setup by myself and Mrs C.
Go and have a look, bookmark it, and do please contribute. The cheeky chap below will be over there from now on.
My lovely wife got me a set of four port sippers for my birthday recently. One of my brothers got me a bottle of a good vintage port, and I still have a vintage bottle from a friend's wedding where I was best man. All I need now is a decanter and I'm go go go for a port party!
A funny thing appears to be happening in the mortgage market, and it's of precisely no help to me, seeing as I just want to buy a house to live in. First some facts to set the scene.
- Bank of England base rate here in the UK is down at 1%.
- But you can't get a new mortgage with a rate any better than 5% if you only have a 15% deposit. That's the same rate you could get just 2 years ago, when the BoE base rate was 5.25% as far as I recall.
- 15% is a not unreasonable deposit by standards of recent years, and it's certainly a huge chunk of cash given the astronomical price of a three bed semi these days.
- If you have a 40% deposit, you can get a new mortgage with a 2.29% rate.
- The price of houses is by the way still about double what it was just ten short years ago.
The net result of this is that people with vast stacks of money just sitting around in savings accounts are realising that they're not getting any interest on their stash and might be better off investing in bricks and mortar. Seeing as they have these giant piles of cash they can pay a 40% deposit no problem and take advantage of the seriously cheap mortgage deals available only to the already mega-rich. I'm told by local estate agents that young folk are now streaming into their offices with their parents in tow (they supply the briefcase full of gold bars) to get their investment property sorted as a nice little earner.
I recently bought a proper 'not tied for you in the factory' bow tie. Just a strip of wavy fabric to be assembled about my own neck! I figured I'd look (even more) dashing with the genuine article, tied just imperfectly enough to make it clear that it's the real deal. The instructions on the back of the box were frankly useless so I turned to Google and after a few pictorial, textual and video tutorials I got the hang of it:
My MacBook laptop has had to go in for repair as a sliver is splintering off the plastic palm-rest where the lid touches it at the edge. There are also myriad hairline cracks appearing in the bottom shell around the front and back. The repair guy I took it to assured me this wasn't my fault and that it would be covered under warranty, which is good since I've got less than a month left on the year long warranty. Phew!