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  1. phoenix

    [Albion] Brighton v USG

    Clarke look dodgy to me also. He seems to lack in confidence as with West Brom, always playing the safe pass. He need s to be bigged up I think he is ok but after seen Van Hecke its bye Matt from me.
  2. phoenix

    [Albion] Julio Enciso - Paraguay’s new wonder kid (Signed 17/06/2022)

    Agree, pity we can't sign him .
  3. phoenix

    [Technology] Using an immersion heater instead of a gas boiler for heating water?

    Well done Val! what a great idea. Looks like the gym membership works out much better value.
  4. phoenix

    [Technology] Using an immersion heater instead of a gas boiler for heating water?

    My emmersion goes on for 40 min cheap rate at 5 am (I've wired in a timer 3kw) and stays hot all day even after my shower. I try to shower as late in the day as possible. But i'm a single person occupant. Total cost 40p per day. Whole family would be quite expensive i would imagine.
  5. phoenix

    [Misc] What determines a ****

    I'm a **** and i dont have a number plate :dunky::shrug:
  6. phoenix

    [Albion] Mohamed Camara

    Puns :ffsparr: if only it was slightly funny. I like a laugh but these comedians ain't funny :wozza:
  7. phoenix

    [Albion] Nicolas Tagliafico

    Is he on the left or right in the photo?
  8. phoenix

    [Albion] Marc Cucurella *Signed For Chelsea 05/08/2022*

    They called us glory hunters. What glory are they talking about? glory was staying in the football league you city twats!!
  9. phoenix

    [Brighton] Steve Bergwijn

    There's a reason he hasn't played all the minutes .
  10. phoenix

    [Albion] Julio Enciso - Paraguay’s new wonder kid (Signed 17/06/2022)

    could be a bargain at 9 million quid.
  11. phoenix

    [Finance] Equity release

    £40,500 Is actually £72,999 after 15 years trust me i've seen the figure. Which is a lot less than £80k. I hope this helps :thumbsup:
  12. phoenix

    [Finance] Equity release

    £19k with compound. + initial ammount borrowed.
  13. phoenix

    [Finance] Equity release

    Its not relevent if he does or does not get the growth, as the lifetime mortgage is a fixed interest rate. But if you think a property at 190K wont be worth 210K in 10 years i would suggest thats stretching it a bit. For him its a new lease of life. He has 2 children who are really pleased to...
  14. phoenix

    [Finance] Equity release

    £40,500 at 4% compound interest = £59k after 10 years and he also has a 10K option to use if required at the rate when its taken out if necassary . These are personal figures for my friend but. He had the option of 2 years no money and still paying a mortgage. One other important factor he has...
  15. phoenix

    [Finance] Equity release

    Quoted from my friend "I love where i live and can stay here after having to leave work due to illness i cant really downgrade my property" So we used the figures given to him by a equity release company , and worked out in 10 years he will pay back £19 K in iterest but his property will be...
  16. phoenix

    [Finance] Equity release

    There will be no negative equity most of the companies guarentee this. But to cover themselves they will only offer just over a 3rd of the property value.So its extremmly unlikely this would ever occur.
  17. phoenix

    [Finance] Equity release

    deleted
  18. phoenix

    [Football] Women’s football, do you watch it?

    Thanks Jack might give it a go :albion2: .
  19. phoenix

    [Music] Heardle

    shazam got it in 3 seconds for me :dunky:
  20. phoenix

    [Misc] Bin strike in Adur and Worthing?

    If only they could seal the maggots! Edit After reading the Adur & Worthing council notice on their website i think the new offer is decent. And accept maggots are part of the job :D

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