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(I have cut down the above a little)

Its all about greed.......  Knowing when enough is enough.......  regardless if they missed out or not.  I think I can use some of your comments even in this current climate. Alot strongly believe a term deposit rate at 5.5% is laughable!  Maybe they have had it too good? 


Also funny, I also have a sticky note. I have recently found it on my forehead and it appears to have a single  "L"  written on it? 

Suppose now I have to live with it, its only three years being hobbled.



a-men ..... now....."watch out for sticky notes!"


No, there will be a penalty.  I just wouldn't be completly suprised if they didn't let me break the term without a GOOD reason.  If times were really bad this might be the case.  I will say,  I have gone into this term with the intention of NOT breaking it.




No-one here appears comfortable with this term except me. 

Its simple.  If the masses have huge debts "CASH is king". 

Hope I have planted at least a small seed.


How long do you really think it will be before the good times return?


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