Romance Scam

Please everyone watch out for scams. Dating and romance scams try to lower your defences by appealing to your romantic or compassionate side.

Go to ROMANCE SCAMS.com (RomanceScam.com) they can tell you every thing you need to know about ALL the scammers out there. They have helpped a lot of people who have been scammed.

Some of these scams work by setting up a dating website where you pay for each email or message you send and receive. The scammer will send a whole series of vague-sounding emails filled with gushing talk of love or desire, like this one below.

"Hello Pretty!!! How are you doing? I'm Frank. From Virginia. But am New to the State's...The first thing that came to my mind when i saw your picture was..'WOW..you're drop dead GORGEOUS, that is why i'd took time to introduce myself... Well i am currently in west/coast africa working on a Casino project at this time... I have 2 weeks to get back to the state. if you are interested and you will like to talk some more."

source: www.postchronicle.com

Marshmallow Popper Gun: Make Christmas Fun

This Marshmallow Popper Gun from Idea Village will put the fun into Christmas, as children are allowed to use a gun to shoot fluffy sweets at their friends, brothers or sisters. The popper can shoot marshmallows up to 30 feet.

The pump-action handle allows the sweets to be shot at that kind of range, you can also shoot like a machine-gun style, all depends how quick you can pump the gun. You can use mini marshmallows that you purchase from a grocery stores.

source : www.product-reviews.net

Good news for half of all Mortgage Calcualtors

Around half (50%) of all mortgage borrowers have a fixed-rate loan, so they will not benefit from reductions in the base rate. Borrowers that do benefit include those with tracker mortgages (which track the base rate up and down) and variable-rate mortgages, most of which are linked to banks’ standard variable rates.

Borrowers with a £100,000 interest-only home loan will see their yearly mortgage bill drop by £1,000, or over £83 a month. For repayment mortgages, the calculation is more complicated, because the saving depends on the starting rate and the length of the loan. For example, a rate cut from 4% to 3% on a £100,000 mortgage will save £658 a year (almost £55 a month) on a 25-year repayment mortgage. Use our mortgage calculator to work out how much you could save.

Then again, these calculations assume that mortgage lenders will pass on the full percentage-point cut. Given the horrendous state of our banks, I expect several to boost their profits by only passing on a proportion of the fall. In particular, I’ll be watching big banks Barclays and HSBC, both of which have avoided state bailouts and failed to pass on the previous 1.5% cut in full.

On the other hand, I expect the nationalised and part-nationalised banks (Bradford & Bingley, HBOS/Lloyds TSB, Northern Rock and Royal Bank of Scotland) to pass on the rate cut in full. After all, having had tens of billions of taxpayers’ cash, they now have the Government as a major or 100% shareholder!

source : www.fool.co.uk/news