Do you have an endowment policy that you hope will eventually pay off your mortgage? If you do there is a very good chance that it might not be sufficient to repay your mortgage at the end of its natural term. If you have been reading the financial press you may already know this.
And if you have recently received a Red Letter from your endowment mortgage lender then you will already certainly know! So what do you do now? You must act promptly to ensure you can meet the potential shortfall when your endowment matures.
That’s the really bad news, but the good news is that it is not too late to do something major about it, but you need to act quickly.
You may be unhappy with the way your policy was sold to you in the first place, and you would be in good company if you were, as hundreds of thousands of people have been and are taking steps against their endowment company. If this applies to you too, you do have a right to make a complaint, providing that you do something about it and complain within three years of receiving your first Red Letter. If you don’t complain within that time, then your complaint may be rejected out of hand, no matter how justified your case may be, hence the urgency.
So who should you complain to? In Great Britain you need to complain to the company or person (perhaps a financial advisor) who sold you the policy in the first place and this may well be different from the company that actually issued the endowment policy. Explain your situation and tell them that you wish to make a formal complaint. They should then give you an official complaints procedure that you should follow.
In Britain you can also discuss the matter with the Citizen’s Advice Bureau and you can visit their website at www.citizensadvice.org.uk or you can try the Financial Services Authority, their web site is www.fas.gov.uk/consumer.
Unlike the Citizen’s Advice Bureau the FSA cannot give you one-to-one personal advice, but as the official regulator of all financial services companies within the United Kingdom, they will provide you with detailed fact sheets explaining how to tackle the problem, and a great deal of other information too.
If you reside outside the United Kingdom and suspect you have the same problem, the first thing you must do is to check if the endowment policy you have will be sufficient to cover your mortgage when it matures. If you find that it isn’t, then make sure that you do something about it now before it is too late, and thus ensure that you don’t have a serious problem somewhere further down the line.
David Carter’s latest published work is SPLAM! Successful Property Letting And Management. Splam! Contains over 240 pages of hints and tips on how to start your own property business on a limited budget, and how to successfully let residential property. You can view actual extracts of the book at http://www.splam.co.uk and order a download or hard copy at this site. He also runs a holiday cottage website where you can access over 7,000 cottages, apartments and villas worldwide at http://www.pebblebeachmedia.co.uk You can contact David on any matter at supalife@aol.com
To save space on your computer, make a few files and name them
Recipes, Cooking Tips, Cleaning Tips, Bar mixes. You can then
copy and paste only articles you would like to save.
GANDMA’S WRAPPED TURKEY TURKEY ROASTING TIME AUNT PAT’S BUTTER
TARTS MOM’S MINCEMEAT COOKIES LIGHT SIDE TIPS FOR CLEANING,
WARNING BAR MIXES NON-ALOHLIC DRINK RESPONSIBLE DRINKING SAVE,
EARN TOP MALLS MYFRIENDLY HOST MERRY CHRISTMAS
GANDMA’S WRAPPED TURKEY
Place dressed turnkey, breast up in centre of greased, wide,
heavy foil. Bring ends of foil up over breast. Overlap fold and
press up against ends of turkey. Place bird in shallow pan. Open
foil last 20 minutes to brown. Bake at 450 F, (230 C) according
to time table.
Weights Roasting Times
Ready To Cook Weight Roasting Time 8 - 10 lbs 2 - 2 hours 10
- 12 lbs 2 - 3 hours 14 - 16 lbs 3 - 3 hours 18 - 20 lbs 3
- 3 hours 22 - 24 lbs 3 - 3 hours
AUNT PAT’S FAVOURITE BUTTER TARTS
1/3 cup …….(80 ml) ………..butter 1 cup……….(250
ml)………..brown suga 2 tablespoons..(30 ml)…………milk
or cream 1/3 cup……..(80 ml)…………currants 1 egg beaten
well 1 teaspoon…..(5 ml)………….vanilla
Mix all ingredients together. Put in unbaked tart shells. Bake
at 450 F, (230 C),for 8 minutes. Turn down to 350 F, (175 C),
and cook until brown.
MOM’S MINCEMEAT COOKIES
cup……….(185 ml)……….shortening 1 cups…….(375
ml)……….sugar 3 eggs beaten 3 cups………(750
ml)……….flour teaspoon…..(3.75 ml)………salt 1
teaspoon…..(4 ml)…………soda 1 cup……….(250
ml)……….canned mincemeat 3 tablespoons..(45
ml)………..water 1 cup……….(250 ml)……….walnuts
Cream, sugar and shortening. Then add eggs. Sift flour, salt,
and soda together. Add to creamed mixture. Add mincemeat and
water. Stir until thoroughly mixed. Add nuts and stir. Drop from
teaspoon onto well greased cookie sheet. Bake at 350F, (175 C),
for 10-15 minutes.
YIELD: 4-5 dozen cookies TIME: 1 hour
GRANDMA’S WHIPPED SHORT BREAD COOKIES
1 pound…….(500 g)………butter or margarine 3
cups……..(750 ml)……..flour 1 cup………(250
ml)……..icing sugar
Beat with mixer until creamy. Drop on cookie sheet and bake at
350 F, (175 C), until slightly brown. YIELD: makes approximately
5 dozen cookies CALORIES: approximately 80 calories per cookie
TIME: 1 hour (includes cooking and cleaning time)
LIGHT SIDE
A fellow finds himself in front of st. Peter at the golden gate.
St. Peter explains it is not easy to get to heaven. There are
some criteria before entry.
He asks the guy are you religious? Gave money to the church?
Gave money to the poor? Help his neighbour?
The fellow answers “no”.
Peter says, “look, work with me, I am trying to help you, think”.
The fellow says, “Well, I came out of a store and found this old
lady surrounded by a dozen bikers. They were shoving her around,
and abusing her. I got so mad I threw my grocery bags down,
fought through the crowd, and got her purse back. After helping
her to her feet, I went to the biggest, baddest biker and told
him how despicable, cowardly, and mean he was. Then I spat in
his face.”
“Wow”, said peter, ” That’s very impressive. When did this
happen”?
“oh, about five minutes ago”, replied the fellow.
Guide to Introduction of Solids For Infants.
4 to 6 months Iron-enriched infant cereal (Provides a dietary
source of iron to avoid depletion of infant’s iron stores)
6 to 9 months Pureed vegetables. Pureed and juices.
(provides dietary source of vitamins, minerals and energy.
Introduces new food flavours and starts setting basis for Good
eating habits).
Pureed meat,fish and poultry. Egg yolk. Yoghurt, cottage cheese
Pureed well-cooked legumes (i.e. beans, peas, lentils) (Provides
additional protein, vitamins, and iron for rapid growth).
Dried bread products e.g.rusks.
(Encourages chewing when teeth erupt)
TIPS FOR CLEANING WITHOUT TOXIC CHEMICALS
WARNING: Never, MIX BLEACH AND AMMONIA TOGETHER, THE FUMES CAN
BE DEADLY.
Commercial cleaning supplies can aggravate your allergies and
have long terms effects on your health. You can save on your
house-cleaning bill with very good results using less toxic
substances.
Ammonia - cuts grease, cleans windows, Strip wax off floors.
Baking soda - cleans, deodorizes, polishes, and removes stains.
Bleach - whitens practically anything, removes mould and
mildew. Cornstarch - cleans and deodorizes carpets and rugs.
Lemon juice - cuts grease and stains on aluminium and porcelain.
Ketchup - cleans copper. Vegetable oil - good furniture
polish. Washing soda - cuts grease and disinfects.
White vinegar - cleans windows, shines metal surfaces. Grout:
ammonia, vinegar, water softener and water. Clean Runners:
ammonia. Furniture Polish: turpentine, vinegar, boiled linseed
oil. Remove Lime Scale from Kettles etc: vinegar and water.
Clean Plastic Wrap From Toasters, Kettles: nail polish and
acetone.
BAR MIXES
After Dinner Special
1 oz. apricot brandy 1 oz. Curacao 2 oz. limejuice Combine
with ice; shake. Strain. Add a twist of lime and ice. Drop in
the peel.
Can-Am Flyer
1 oz, Barcardi 1 tsp. Limejuice 1 pinch sugar Champagne
Combine the rum, juice and sugar with ice. Shake. Strain; fill
the glass with champagne.
Non-alcoholic Drink
Christmas Juice Punch
2 quarts apple juice 2 quarts cranberry juice 8 oz. lemon juice
8 oz. sugar 2 bottles ginger ale Combine everything except the
ginger ale. Stir well. Add ginger ale plus chunks of ice before
serving.
RESPONSIBLE DRINKING
If you have teenagers, or in fact any adult, impress on them the
risks of driving while intoxicated. Statistics demonstrate many
fatal road accidents are caused by drunk drivers.
If you’re having a Christmas party, provide food with drinks.
Offer non-alcoholic substitutes such as fruit, soft drinks.
2 drinks taken within an hour by a person 100 pounds produces a
.075 reading. One drink is equal to about 1.5 oz. of whisky or 2
bottles of beer. The rate of elimination for each hour after
drinking has stopped is 015. A 200 pound person, after 1 drink
produces a reading of .019, so you can see there is a big
difference due to weight.
As a host it is your duty to make sure no one leaves your party
impaired. Have some one drive them home.
EARN/SAVE With Internet Top Malls
Here is your chance to save on your shopping by getting a Fr*e
Membership card. If you have a few hours a week you can also
earn some good cash.
Now you can shop hundreds of the top Online Merchants at one
place: your own mall! We’re talking names like Wal-Mart,
Buy.com, Overstock, uBID, Apple Computers, iTunes, Montgomery
Ward, Books-A-Million, Office Depot, Office Max, Hotwire,
Target, Lerner, Chadwick, Sunglass Hut, Fossil, Lane Bryant,
Drugstore.com, HealthPlans.com, Sirius Satellite Radio,
Blockbuster Online, Dish Network & many, many more.
http://www.telebay.com/activity/mall.html
MY FRIENDLY HOST
Remember, if you need a host for your safe list or web site
check out:
http://www.myfriendlyhost.com
Robyn also has web templates, or will build your web site. Robyn
has reasonably rates, is very helpful and really is a friendly
helpful Person.
Thank you for being with me 2005. A very sincere Merry
Christmas,and hope 2006 will be one of your best . Bruce
I’d like to shed some light on something that women have been puzzled about for centuries, and that is the type of women men fall in love with. There have been so many books written on this subject, yet most have not delivered the common sense answers I am going to share with you in this article.
Without wasting much time, I will get right to the point. I am going to give you 10 personality attributes that men love to see in the women they fall head over heels in love with. Men are attracted to women that have:
1.Intelligent - This attribute ranks very high, after men have gotten past your looks. Men love women that are smart, opinionated, and articulate. Most enjoy speaking to women who have their own point of view on subjects and are passionate in discussing affairs of the day. Men love to debate, and if you can make them believe, or at least respect, your point of view, then you have a man that will see you as an equal, and not as an ornament to be displayed to the rest of the world until the next best ornament comes his way.
2.Good Humored - If you can laugh at your man’s crude jokes or take his wisecracks, you become someone he wants to get to know better. But if you’re the type that easily gets upset when he jokes about your raggedy hair or sloppy dressing, men will not find your personality as attractive as one who possesses this quality.
3.Confident - When you have your own opinion and can defend it, are comfortable in your own skin, regardless of your body size or whatever else Mother Nature has thrown your way, then you have what it takes to attract men that will fall head over heels in love with you.
4.Supportive - Men find it easy to fall in love with women that encourage and support positive undertakings they embark on. Men love women that have the ability to see what they see in the goals they pursue. Men believe that when you support their dreams and goals, you believe in their ability to accomplish those things that are dear to their hearts. And when you support that which is dear to a man’s heart, you essentially have the key to unlock his passionate love for you.
5.Accommodating - When you understand that men are not perfect, and you are able to easily forgive them for their imperfections, then you possess one of the most admirable qualities men seek in their love interest. However, if you are the type that will nitpick every single thing they do or nag them at the drop of a hat, then you will not have a man hanging around you for very long.
6.Patient - This attribute is quite similar to that in #5. When I speak of patience here, I am referring to a woman’s ability to be in a relationship with a man without pressuring him into making a serious commitment he may not be ready to make. Now understand that there is a way to let a man know that you are interested in settling down, without coming across as desperate or overbearing. Women that show men that they are willing to wait for them to propose a committed relationship are apt to be more attractive to men than those that come across as impatient.
7.Sensual - A woman that is not sensual is not attractive to any man. To be attractive to a man you must be perceived as someone who is very comfortable with her sexuality and knows how to initiate sex spontaneously. If you believe that men should always be the first to make the move when it comes to bedroom and lovemaking matters, you may be doing yourself more harm than good when it comes to your ability to attract men. Improve your ability to initiate intimacy, and you will see how much more attractive you will appear to your guy. You can improve in this area tremendously if you are open to what Michael Webb, a bestselling author, reveals in his exciting e-book,
“500 Lovemaking Tips & Secrets”.
8.Honest - Men find authentic and honest women quite
attractive. If you are the type that tells it like you see it, men will find this aspect of your personality very attractive. “Say what you will do and do what you say” ought to be your motto. Just as you respect and love men that tell you the truth no matter what, men feel the same way when they meet a woman that does not waste their time with fibs. In a nutshell, men are attracted to women that are honest and down to earth, women that do not pretend to be who they are not.
9.Open-minded - The willingness to explore other possibilities, new ideas, etc. is an attribute that men seek in the women they want to love. Being open-minded does not mean that one has to compromise one’s personal convictions, but rather is able to see another point of view and respect it, even if it is not one that you share.
10.Health conscious - Women that take care of themselves are generally more attractive than those that do not. After all a good physique is the first thing that attracts men, even before they get to know how wonderful and exciting you are. Men are attracted to women that exercise, eat right, take care of their hair, nails, and dress well. To attract the best you must look your best - it is that simple.
That is all for now. To find out how to make your man fall madly in love with you, please visit: http://www.smartwomansguide.com.
About the Author
Steve Ubah is the author of Passion Keys - A Woman’s Ultimate Guide To Unlocking The Love In A Man’s Heart. To find out how you can make your man fall madly in love with you, please visit http://www.smartwomansguide.com