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UK interest rates were held at a record low for the 25th month in a row last week Cheap Takkarist McKinley Jersey , which has posed questions to contractors who currently have a mortgage or are thinking of taking one. How long can this last? Should I assume rates will go up and take a 5 year fixed rate, or gamble that they will stay low and take the risk on a variable deal? Sound familiar?

There are some clues if you look at comments made by Mervyn King, Governor of the Bank of England, when he explained his outlook for the UK economy. The answer to the questions posed above is linked to one key word - inflation.

Mr King said the consumer prices index (CPI) measure of inflation would climb closer to 5% in 2011. However Cheap Alex Mack Jersey , he said, the Bank's Monetary Policy Committee (MPC) believed inflation will be around target at 2% in two or three years "under the assumption that the bank rate increases in line with market expectations".

"Interest rate futures are pricing in a first 0.25 percentage point rise by Q4 this year, and another every three months for the next two years or so", said Philip Rush Cheap Vic Beasley Jr. Jersey , economist at Nomura. That would signal a 0.25% increase by the end of 2011, and a further 0.75% by the end of next year.

But what about prospects for the base rate beyond 2012? Most economists have differing views at this point, so I will offer an opinion at this point and nothing more. There is a strong argument that says rates do not necessarily have to go back to pre-recession levels for a booming economy, an argument I agree with. A base rate of circa 3% could be enough to sustain an economy that has put the worst post war economic crisis behind it. Factors affecting inflation in the short term Cheap Matt Ryan Jersey , such as oil and commodity prices as well as austerity measures applied by the current government, should fall away in the short term, allowing for a more realistic appraisal of inflation. That figure, in my opinion Cheap Devonta Freeman Jersey , will be between 2 - 3%; easing upward pressure on the base rate.

Being a realist about party politics, I predict the current government will generate a "mini-boom" in 2015 prior to the next general election via fiscal policy; therefore assuring a Conservative led government for another 5 years. The impact on interest rates after that is a topic for another day.

In short, contractors should look at their own affordability requirements when considering their new mortgage. Predicting what to do based upon base rate movement is educated guesswork at best, so factors like potential gaps in contract and available savings should play more of a factor in the decision to fix or not to fix.

In other news the royal institute of chartered surveyors (RICS) has reported an increase in the number of properties for sale in April Cheap Calvin Ridley Jersey , this is according to its latest Housing Market survey. This will mean more choice for contractors who are looking for a property this spring.

Taj Kang
Associate Director
Contractor Mortgages Made Easy
Whether you’ve found yourself receiving end of a “Dear John” letter or simply came home one day to find all of your stuff out on the lawn, being broken up with is not easy. But, believe it or not, you can get your wife back Cheap Julio Jones Jersey , even in case it would seem not possible now.


The key thing to remember is that you and also your wife once felt close enough to each other to actually get married. This is no small thing. That means you have a shared experience and there should be lingering emotions for both of you. It gives you a necessary tool in your effort to get your wife back.


To start with, you really need to investigate the situation. What preceded the separation? How did it come about? Are there things you should have done differently? How serious is the separation? Are we talking about divorce proceedings (this does not essentially mean you must give up hope).


Most significantly, you should look at your own feelings for your wife. Is this separation necessary or is it just superfluous? If you actually intend to get your wife back then you should really take a long hard look into your own heart and also soul. Perhaps this is just what you need to get your relationship back on track.


Assuming that you actually want to get your wife back, you have to take some initial steps in the effort. That could mean a little investment of time and also money. The initial key is to take care of yourself. You have to make an investment in your own health and also well-being. To start with Cheap Ito Smith Jersey , that could involve a trip to the gym; perhaps a new haircut and some clothes shopping. You need to physically feel your best and look your best. Nobody wants to be with a depressed slob of a man, therefore you have to get yourself back into your fighting weight.