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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon Apr 26, 2021 10:06 
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Isn't that lovely?

Joined: 30th Mar, 2008
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Location: Devon
KovacsC wrote:
Malc wrote:
KovacsC wrote:
I currently have a loan, and I am in the position to making extra payments.

There is a extra payment calculator so you can work out how you payment effects your loan....

if I pay

£100 - it saves £72 in interest and reduces the loan by 2 months
£200 - it saves £138 in interest and reduces the loan by 3 months
£300 - it saves £199 in interest and reduces the loan by 5 months


Am I right, that if I keep paying £100, let it clear and the pay £100 again, it is better that paying £200 or £300 as it has a greater impact?



I can't imagine waiting longer will be better. The calculation for the second lot of £100 will not have the same effect as the first lot.

Is there a way you can adjust the figures of the calculator to take into account the shorter repayment time and lower balance?


I meant pay £100, let it clear it takes 24 hours, and the pay £100, as that will remove 4 months rather than 3 months if I paid £200. The interest is generated on the 21st, so would have the same net result interest, so clearing an extra month..


I am not sure the second £100 will also remove 2 months from the life of the policy. Also something to think about is that you might not be able to make a second over payment in the same month.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon Apr 26, 2021 10:08 
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Squirt wrote:
KovacsC wrote:
I currently have a loan, and I am in the position to making extra payments.

There is a extra payment calculator so you can work out how you payment effects your loan....

if I pay

£100 - it saves £72 in interest and reduces the loan by 2 months
£200 - it saves £138 in interest and reduces the loan by 3 months
£300 - it saves £199 in interest and reduces the loan by 5 months


Am I right, that if I keep paying £100, let it clear and the pay £100 again, it is better that paying £200 or £300 as it has a greater impact?


This seems odd to me. Overpaying by more should increase the amount of interest you don't pay, as the amount should compound. Overpaying 200 should save you more than double overpaying 100. I'm guessing the 2/3/5 months is just due to it having to round to the nearest month for total payments - your last payment might be smaller than normal.

Is it possible you'd be charged a fee for over-payment? Some loans have an amount you can overpay for free then they start charging.



I checked there is no over payment fee. It is a little quirky.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 12:51 
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So how much is the little quirky fee?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:02 
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Just had a delivery of alcohol free beer from Amazon, as it works out cheaper than Tesco. I had to prove my age..

Why do you have prove your age for AF or LA drinks, it is the same in super markets

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:16 
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gooby pls

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KovacsC wrote:
Why do you have prove your age for AF or LA drinks, it is the same in super markets

Can't speak for Amazon, but in bricks and mortar retailers I would assume it's because the "check age" thing is likely to be applied on a category of products rather than individual items (saves admin and reduces the risk of an age-restricted product not having the "flag" put on it)

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:29 
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I buy 0.0% alcohol red wine for cooking, from Ocado, and they require an age check with passport. When Russell queried this (as it made contact-free m, distanced delivery delivered in the flat, the driver said it was because alcohol free wine contained alcohol in a large enough percentage that he has to check it. I don’t know how much alcohol is on 0.0% wine, but I’m pretty sure there’s more in something like a tiramisu or a decent Christmas puffin, which I assume they do t have to check?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:30 
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The putty knife I bought recently had an age check sticker on. It was a soft plastic spatula, but you can’t be too careful.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:35 
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That I understand. Can’t have 14 year olds running round filling holes in plasterwork all willy nilly.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:41 
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Mimi wrote:
That I understand. Can’t have 14 year olds running round filling holes in plasterwork all willy nilly.



:DD :DD

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:44 
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Mimi wrote:
I buy 0.0% alcohol red wine for cooking, from Ocado, and they require an age check with passport. When Russell queried this (as it made contact-free m, distanced delivery delivered in the flat, the driver said it was because alcohol free wine contained alcohol in a large enough percentage that he has to check it. I don’t know how much alcohol is on 0.0% wine, but I’m pretty sure there’s more in something like a tiramisu or a decent Christmas puffin, which I assume they do t have to check?


It is odd isn't it

I know one of the processes to remove the alcohol, is to treated under pressure or a vacuum and the alcohol is burnt off without effecting the taste too much. This is why some beers have 'contains less than 0.5% alcohol'

I think you would drown before getting drunk, with the amount you would have to drink.

Although I am sure Bass shandy I had as a child, had more alcohol in.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:45 
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GazChap wrote:
KovacsC wrote:
Why do you have prove your age for AF or LA drinks, it is the same in super markets

Can't speak for Amazon, but in bricks and mortar retailers I would assume it's because the "check age" thing is likely to be applied on a category of products rather than individual items (saves admin and reduces the risk of an age-restricted product not having the "flag" put on it)


I guess it is this. It just tickles me, that I need to be checked for basically beer flavoured soft drinks :)

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 13:47 
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Mimi wrote:
...or a decent Christmas puffin


This is my favourite typo for ages.

It looks like it's not a legal requirement but I guess it stops accidental sales of alcoholic drinks, and I imagine there's a certain amount of "not marketing alcohol to minors" as well - probably not a good look to have twelve year olds swigging cans of fake lager outside your shop.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 14:21 
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Mimi wrote:
...or a decent Christmas puffin...

I get sick of Turkey too.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue Apr 27, 2021 14:21 
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Ha!

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 Post subject: Re: Bits and Bobs 51
PostPosted: Fri Apr 30, 2021 17:36 
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A post-work pint and a magazine in a pub's beer garden and, for a brief moment in the grand scheme of things, all is well.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Fri Apr 30, 2021 18:16 
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And then I got slightly damp so went home.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Fri Apr 30, 2021 18:47 
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Soopah red DS

Joined: 2nd Jun, 2008
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I'm hoping rain, rather than spill or over-excitement.

I still haven't been in a pub, but have a bench in the local village that catches the sun, and on a good day am down there with book or magazine, and that also feels like the world is okay.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Fri Apr 30, 2021 18:50 
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:luv: you both for finding that little place to feel at peace xxx

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 13:08 
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This is where I feel at peace, if I'm able to stop here for my lunch break.
Attachment:
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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 13:09 
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Correction

Down the stream the swans all glide
It's quite the cheapest way to ride.
Their legs get wet, their tummies wetter,
I think, after all, the bus is better
- Spike Milligan

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 13:14 
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Where"s that to?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 13:43 
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Er, I'm not sure what it is you're asking?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 13:54 
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Gogmagog

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The pond. Where's it to?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 14:02 
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Sale water park and water sports centre.

But it's not really "to" there, it just IS there.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 14:23 
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Sitting balls-back folder

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Blimey - I've not been for more than a decade but I looked at the photo and thought "huh, looks like sale water park".

A bit less exciting than the other month when all the mersey flood defenses were full to busting.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 14:35 
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gooby pls

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Warhead wrote:
But it's not really "to" there, it just IS there.

My ex-wife used to say "Where's it to?" and this always confused me for the reason I think you're confused here. I wondered if it might have been a Bristolian thing, but apparently not (or not limited to that if it is!)

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 Post subject: Re: Bits and Bobs 51
PostPosted: Tue May 04, 2021 15:44 
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Isn't that lovely?

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It's definitely (I'm not H, even though I make that mistake all the time!) a Devon/Cornwall thing, so it sounds like it extends to the whole South West.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 9:11 
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Isn't that lovely?

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Don't think I will be going on walk after all.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 9:13 
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It's the same here Malc. Stay in and stay safe. :luv:

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 9:18 
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On the plus side, the garden won't need watering.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 10:31 
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Fitness Nut...

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Yes. It is soggy here.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 10:32 
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I am a 3 day ban on Facebook. Their algorithms are getting harsh.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 11:06 
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chewbacca -future arc welder

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Was it the shoes?


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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 11:21 
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krazywookie wrote:
Was it the shoes?

:DD

What did you do, Kov?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 18:06 
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Fitness Nut...

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Mimi wrote:
krazywookie wrote:
Was it the shoes?

:DD

What did you do, Kov?



One of my friends had been on a bad date.

I put all ‘men are bastards’. Apparently that is against community guidelines.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 19:12 
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Some of the things that people post on Facebook, and that’s what gets you banned? I wonder if that was auto-detected or if someone complained?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 19:13 
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Noob as of 6/8/10

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KovacsC wrote:
Mimi wrote:
krazywookie wrote:
Was it the shoes?

:DD

What did you do, Kov?



One of my friends had been on a bad date.

I put all ‘men are bastards’. Apparently that is against community guidelines.

What, even though it's true?

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 Post subject: Re: Bits and Bobs 51
PostPosted: Sat May 08, 2021 19:51 
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Mimi wrote:
Some of the things that people post on Facebook, and that’s what gets you banned? I wonder if that was auto-detected or if someone complained?


Yes. I don’t get it.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 1:41 
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Michael Jackson is dead: https://www.bbc.co.uk/news/uk-england-london-57052331

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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 8:52 
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Heard the news in the car this morning and immediately thought of Beex.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 9:12 
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Unpossible!

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Squirmy little bugger escaped!


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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 10:29 
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I have become so used to wearing a face mask indoors, the dentist had to remind me to take it off.


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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 10:35 
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Just on a call in Manchester China Town and see this, which is a bit disturbing. In case you can't read it, and I'm not getting any closer to take a better photo in case I get dragged inside, it's "School of Integration."
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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 10:36 
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Kern wrote:
I have become so used to wearing a face mask indoors, the dentist had to remind me to take it off.

Giphy "take it off[":
https://media3.giphy.com/media/US2ErIKvd1g7HAGYSL/giphy-loop.mp4

Giphy let me down there, I was hoping for something from The Masked Singer.

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 Post subject: Re: Bits and Bobs 51
PostPosted: Mon May 10, 2021 21:13 
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Unpossible!

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Grim... wrote:

Poor little guy

https://www.bbc.co.uk/news/uk-england-london-57056008


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