There seems to be a common misconception that mortgage interest rates are linked to the BoE rate, which if you’re out of your initial fixed period is somewhat true, however the majority of deals are more influenced by swap rates, such as SONIA. The rate drop had already been priced in over the last month or so, and now with the uncertainty surrounding the US since the election, and the recent budget, rates are starting to creep up again.

Both.

Our midwife from classes before our daughter was born explained it to us that all formula has to meet certain standards and have certain ingredients in it to qualify for sale in the UK, so you can guarantee each brand is providing a recommended amount of nutrition due to this.

We ended up going with Aldi’s formula, and if the other brands brought their prices more in line with that then I don’t see it as a bad thing. Charging through the nose for something that babies NEED if they aren’t being breast fed is absolutely abhorrent.

Top Gear, they absolutely wrecked that truck and it kept running with some basic repairs and maintenance. Even demolished a building with it on top and got it running again.

Two taters and a sausage!

They’re not in power anymore, so thankfully not

We have a counter top dishwasher. It has a window. It’s not that interesting though.

The PC release of the game on Steam didn’t originally need you to link it to a PSN account in order to play. They’re about to make it mandatory, which will do two things: make it stupidly hard for players from certain countries to play as they can’t legally sign up for a PSN account; and also mean your data will be more vulnerable given how many times PSN has had data breaches.

He is serious, and don’t call him Shirley.

Wouldn’t mind a direct game gift on steam! Been playing a few games my wife owns, mostly Power Wash Simulator, but would be good to be able to play when she’s using her library!

I would love a proper remake of Eragon. That movie felt so rushed, like they just chopped the meat out of the story and gave us the bloody mush instead of the whole thing.

Glad I deleted all of my content over there, then.

N

In the UK, you can get your provisional licence (learners permit) when you’re 17. You need to take a theory (written) test and a practical test, and most choose to go through a driving school but you -can- just be taught by your parents or other adults over 21.

Generally speaking though it’s better to go through the instructors as they’ll teach you what you need in order to pass the practical test, which is apparently one of the strictest in the world.

After you’ve passed the real learning starts, as if you drove like you have to for the test you’re in for a bad time.

Careful, Cameron may get ideas.

Nope, changed on iPhone too. Sucks here as well

Could be any of the models from the last few years, 12, 13, 14, 15. It’s not a pro model as that has an extra camera lens.

I upgraded last year from the XS to the 14 (didn’t go for the pro as the photos are good enough for my uses on the regular phones). Loved it ever since. I’m a fairly long term owner though, went from the 6s plus to the XS.

Update my watch series 1 to the 7 around the same time.

I haven’t yet but I’m planning on doing so as soon as funds allow.

I’ve had my deck about a year now.

You underestimate the laziness factor.

I’m a mortgage adviser, and the amount of people who don’t update their address with their bank or on their driving licence astounds me, some for years.

We have a client who still has their maiden name on their bank statements - they got married over 10 years ago.