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In the process of changing the mortgage on the house and cannot decide to go for a 3 year or 5 year fix (little price difference in them).

Anyone any ideas?

I read the other day in the Sunday Times that brokers reckon a 3 year fix is a good bet as the credit crunch may impact on the market for the next 2-3 years and after this it should stabilise. So if I took a 5 year fix I could be paying over the odds for 2 years if interest rates go down. However, if I only go for 3 year fix and come out of that into higher rates than now I'll regret the decision!

Anyone got a crystal ball...

http://news.bbc.co.uk/1/hi/england/wear/5138444.stm

21-year-old fathers seventh child 
A 21-year-old who fathered his first child at 13 is about to become a dad for the seventh time.
Keith Macdonald, from Washington, Tyne and Wear has been branded a "reckless Romeo" after it emerged that all his children are by different women.

He is reported to be living apart from the mother-to-be.

As he is unemployed he does not support his children financially, but Mr Macdonald says he has no plans to father any more children

'Not happy'

The north east has a high rate of teenage pregnancies, with 52 girls per 1,000 under 18 becoming pregnant, as opposed to an England average of 42.

Condom manufacturers also report low sales in the region.

Mr Macdonald said he did not want to have any more children and that his mother has strong views about the situation.

He said: "My mum's not happy about all these kids.

"She tells me to pack it in and keep it in my trousers."

I got a BT Broadband router for my new house yesterday but the green ASL does not light up on the router. I have an alarm auto-dialler spurred off the master BT socket and I wouldn't be able to micro-filter the alarm - would this be causing the issue? I've pulled out all the other phone lines in the house also but still no light on the router! Any ideas or anyone with similar issues?

Brian O'Driscoll revealed on the Chris Moyles Show this morning that DJ was his sporting hero!!! He had to expain he was a Kilkenny hurling star whose ability to change a game single-handledly marked him out a prince among paupers.

So has he been banned then or not? There was a lot of arguing the toss on the "mudslinging" thread about who should be banned but did anyone get the chop?

Out of interest are there any rules on this forum i.e. 3 strikes and you're out? 2 yellows and you're off? or are bans just arbitrary depending on whether you're in "a clique" or not? Genuinely interested...