Advantages: A great read for young and old. Disadvantages: Incredibly hard to put down.
THE MIDNIGHT CHARTER
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The Midnight Charter is the first book in what is likely to become an incredibly popular trilogy by author David Whitley. It is aimed at teenagers/ young adults, but is easily challenging and stimulating enough for adults as well. This first book is being published in 20 countries and translated into 13 languages, which in itself shows the publishers' high expectations with regards to people's response to this book.
THE CONCEPT
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The Midnight Charter is based on a concept of a city where money does not exist. The city is surrounded by walls and, although there are rumours to the contrary, there does not appear to be any way out, nor does anybody know what lies beyond the walls.
Instead of buying and selling goods, the people of Agora trade anything from skills and knowledge to food ...
Advantages: Good competitive rates, daily interest calculation Disadvantages: None
this practice.
It is the new providers like The Standard Life Bank who are leading the way with products which are competitive and crucially fair to the borrower. Interest is credited and calculated daily so you get the benefit of any overpayments immediately. You can reduce your balance by overpaying at any time which for those with endowments who are facing a shortfall in their endowment performance can reduce the capital required to balance that deficit out. If the reverse happens and you wish to increase the amount you have borrowed and need to repay you can increase it subject to an agreed limit which is established based on your ability to pay and the value of your house less the amount borrowed.
On the flexible mortgage I have recently taken out with Standard Life Bank there was even a 6 month discount though I would have been ...
Everyone is offering cheap this and that on mortgages. Not saying this is necessarily the best deal for everyone but its way way from the worst, especially if you want to transfer from an existing mortgage as I did.
What's on offer:
a) All transfer fees paid - legal, valuation etc. None of those booking fees either for the standard rate product.
b) interest charged daily
c) discount of 1.76% for the first six months. And standard rate of interest very competitive (currently 6.75%)
d) cash reserve so you can draw down more if you don't take the full whack at the outset - at no cost
e) switch between interst only and repayment at no cost
f) payment holidays possible - you will of course pay for these through extra interest but hey, can you find a lender who doesn't! And if you can, lets hear about it!!
There are ...
