TTC after a miscarriage. Good Swimmers & Sticky Baby Dust a Must!!!!

carly - evap lines are common, i think they appear after you have left the test longer than you need to read it

mumswish-endowment policies are no longer done as they were a disaster a few years back and everyone had to switch to a capital repayment mortgage as the endowments didn't grow enough to repay the capital.

What you are taking out is a Homestart type of policy where you just pay the interest for the first 5 years then after that the payments will go up to normal so that you can start repaying the capital as well. You should have in your quote what the monthly repayments will go up to. The whole point of a Homestart mortgage is so that 1st time buyers can afford to buy a house and furnish it etc then usually wage increases over the years will enable you to then afford the larger repayments when they kick in. If you can afford to pay more now then why not take a capital repayment mortgage now so you can start reducing the capital. Make sure the rate will be no more that 1% above the current base rate at any time and that the interest is calculated on a daily basis.

The way to compare a good deal with various lenders is not by the rate or the monthly repayment but by the total amount payable over the term of the mortgage. All quotes will show this figure-it does look horrendous but it refects the true cost of borrowing.

As I said before, please get proper advice from a reputable lender.

Hope this helps.

xxx

Phew, that was an essay!

carly - I really dont know myself and I dont want to get your hopes up but to be honest, I think its fair to say you're prob pg!

morning girls!
just a quick question and i promise ill stop going on about it how common are evap lines? im only asking cos i done another test last night and there was a line, again only very very light and could only be seen in certain positions (see told you i was a nutter!) and i just wondered maybe this is just a common problem with some tests? anyway hope everyone is good.
DIDDLE good luck with the scan im sure all is fine and little bab is settling in nice xx

nope mums, i will always worry about the baby until its in my arms.

oh well, maybe i'll have to find another way.

I'm glad your not worried anymore didds, do you think you'll ever stop worrying?

mumswish - don't know much about endowment policies sorry. I've already had a scan last Friday so i know baby is there with its little heartbeat, but i want to make sure they monitor me closely this time, so i'm not nervous at all, just hope they agree with me.

Feeling great CH, Honest

morning HK

hi ladies,

none pg or baby-related question for you.

Whats an endowment policy and where can I buy one? The mortgage we were offered is interest only for 5years so we want an endowment policy to actually pay the mortgage if you get me. Is this a good or bad idea? one my dad gave me.

Morning all.
Carly- Congrats!!
Good luck to all testers this week, sounds very promising.
Hope everyone's good. x

Morning all!

Mumswish - good news about the house front!

DIddle - how you feeling this morning?

Hi everyone else!! Hope you are all well this wet and dreary morning!

oooo a scan, are you excited or nervous?

thats good news about the house mumswish - I think MN had trouble yesterday lots of people have commented on it. I'm working as always today and off to see the midwife at 10am to talk her into giving me an early scan. wish me luck

morning..... its raining again

sorry I didnt sign off yesterday but my comp just died (or mn did not sure which)

Whats everyone upto today?

i'm looking at houses cos a mortgage company has given us quite a good mortgage deal which means we can afford a house! woopee

morning ladies, how are we all today?? didn't get much time on here yesterday sorry, will try and neglect work a bit more today

Whispers-perhaps it will work properly now I've shouted at it.

STOOPID COMPUTER !

Ooh, this is toooooooooooo exciting for words. How many BFP's are we going to have this week???????????

Yep-evap lines are dull colourless lines so looking good carly82! ((xx))

I've had a sore throat last week girlies-kept thinking I was getting DD's cold. Never knew that was a PG sympton. We can test that theory out after you've all got you BFP's. Can't wait to log on tomorrow if MN is working!!!!

GOOD LUCK ALL YOU TESTERS !

xxx

Message withdrawn

Carly - I think it was a positive line. Like Maddyd said, evap lines are not pink!

sorry about the delay im not sure if its me but my pc keeps crashing MADYDD are you serious about that sore throat thing i had a really sore throat since thursday am constantly eating lockets yeuch!!! i think i will leave it till wed to test again but that line was coloured and not grey as i looked up evap lines on the web and says they are usually colourless. nevertheless im not going to get my hopes up just yet (well maybe just a little )

I never thought I would say this to anyone but I'm so pleased you have a sore throat! Bizare! i have never heard of that one! I haven't got a sore throat but hey-ho!