endroog

The loan you take out to buy a property is called mortgage. It represents a loan or lien on a property/house that has to be paid over a specified period of time. Think of it as your personal guarantee that you’ll repay the money you’ve borrowed to buy your home. Mortgages are offered by most banks and building societies, as well as specialist mortgage lending companies. You can get a mortgage direct from the lender (banks, specialist mortgage lenders and building societies), or you can use a mortgage broker. You can buy based on ‘information’ only or get advice and recommendation on a mortgage that suits your needs because they come in many different shapes and sizes, each with its own advantages and disadvantages. Make sure you select the mortgage that is right for you, your future plans, and your financial picture.

Once you decide on the mortgage you want, do some homework. Different lenders offer different rates, fees and points. Enquire and compare. Understanding the benefits of different mortgage offerings can be a complex process but you must Compare mortgages to get the best deal. It is so because taking on a mortgage is a huge financial commitment for most people, which is why it is so important to ensure that you get the right mortgage. Remortgage is what if you change lenders but don’t move home. Remortgages offer a cost-effective means of freeing up cash because you may be able to substantially reduce your monthly mortgage repayments.

Essential links on mortgages:

1. Mortgages – http://www.nationsfinance.co.uk/mortgages/
2. Compare mortgages – http://www.nationsfinance.co.uk/mortgages/compare-mortgages.html

This post is brought to you by Nations Finance UK through PayPerPost.

Geez… Towkay Teh tagged me for what I said about Soo Lan’s kid.

http://kelvintty.blogspot.com/2007/11/berita-utamap.html

“Let me tell you something off topic, I had a yamcha session with Soo Lan, Min Dee and Towkay yesterday in hometown. Man…. Soo Lan’s kid, Julian is soooooooo cuuutttte. I’m so envy though I couldn’t do much but to grind harder now so that I can get one for my own as soon as possible. That would be an ultimate accomplishment. “

Soo Lan, if you don’t want me to post this picture of your kid, please let me know.

Firstly, I would like to take this opportunity to thank those people who had given me advice on how to tackle the problem of longing for someone you loved who’s far far away. I’m feeling way better than at first. Any place that requires airplane is damn fucking far. Geez, do I need to tell you who I’m referring to? You need 26 hours of boat ride from Batam if you wanna go to Jakarta. If you experienced it before, you would know how was it, what I went through and stuffs like that.

Sometimes, after so many hours of thinking in the wee hours, I’ve finally come to understand why is it has to be like this. Maybe I am put to test by the Lord (do not bring us to the test, but deliver us from evil) for my patience, for my understanding of how a relationship should function, how to face hardship together (the pain of being apart for damn long) and the ultimate of all, the power of money. Yeah. Money can really cause happiness and sadness. You don’t just see it in TV. It really happen to any of us. I know it. We know it. A known fact. Also, I never ever been a fan of distance relationship for my whole life and I’m put to a very test of it… the Lord always has His reason for things. Like my accident, I escaped death because I would’ve been at Jogjakarta and there was a quake measured above 6 on the Richter scale in Java.

Afterall, maybe its just part of a relationship protocol, that you must go through ups and downs and then only you’ll realize how much you need each other at the end of the day. You’re up when seeing each together, down when you don’t see each other. Thats where emotional lifts come to play. It helps me and energize me. How many of you agree that a simple 3-worded text like “i miss you”, “thinking of you” or the old fashioned yet most powerful “i love you” can make you reach the star and pull one down. Especially if you get one in the morning, fuiyo, I bet your day would be brighter and merrier. You can’t get a kiss, so this is all that matter. We haven’t got 3G roaming on overseas networks. Communications is very very important to ease the agony.

Sometimes, you’d hope Doraemon really exist. If he exist, the Dokodemo door/pintu suka hati/anywhere door whatever you call it, is the only thing that I’ll die for… for that very door if mass produced, can make the global transportation industry to go bankrupt in an hour. Should that door exist, I won’t be here writing this post right now. Lets get back to reality. Well, I’m starting to take this as a challenge. And lets focus on what I’ll get in later days. Let me tell you something off topic, I had a yamcha session with Soo Lan, Min Dee and Towkay yesterday in hometown. Man…. Soo Lan’s kid, Julian is soooooooo cuuutttte. I’m so envy though I couldn’t do much but to grind harder now so that I can get one for my own as soon as possible. That would be an ultimate accomplishment.

Some of you may have experienced it before and have your very own way to comprehend such agony. Hope you can share your thoughts, your say, advice, counter measures here for the betterment of mankind. Those who never have a girlfriend/boyfriend being away before for so damn long so far far away, please don’t comment bullshit. I’ll delete the comment if I find it irrelevant. Hope this post can be available for anyone now, generations to come who have to be away from their significant half.

Thanks for reading my crap. I’m fine. Not smoking anymore but need a stout. Cheers.