Questions & Answers
1.Who pays for the wedding?
2.Where do I start with my guest list?
3.Who do we invite if we're getting married abroad?
4.Who sends the invitations and when?
5.Should I set a dress code?
6. What time should the bride & groom get to the ceremony?
7.Do my bridesmaids enter before or after me?
8. What duties do the best man and ushers have?
9.Can my pet dog be part of my wedding?
10.Do we have to have favours?
11.Do we need a receiving line?
12.Should we offer a choice of food?
13.When are the speeches and in what order?
14.When should we register our gift list?
15.Can we ask for cash instead of presents?
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THE NEW HOME The basic problem of setting up a first home ...
THE NEW HOME The basic problem of setting up a first home revolves around the question of rent or purchase. For couples who may well be on the move - because of the husband's job or because of their own changing lifestyle as they settle into marriage - rented accommodation, if it can be found at the right price, may be best. However, from a purely economic point of view, money paid out in rent is gone forever, whereas the same sum invested with a building society as mortgage repayment is helping to buy the family home.
A building society loan is granted by most societies for a fixed term up to twenty-five years. The amount is repayable by equal monthly instalments, consisting partly of capital and partly of interest on the balance of the mortgage debt outstanding. The total amount payable over the period covers the original advance together with the total interest charged year by year.
The interest included in the payments and charged each year is variable according to the bank rate. Borrowers are entitled to relief of income tax on the amount paid in interest each year. Most societies will usually grant advances to prospective purchasers of suitable freehold property, up to 80%. of the purchase price, or the society's estimate of value for mortgage purposes, whichever is the lower.
Where the security offered is exceptionally acceptable, even a larger proportion may be advanced. In the case of a purchase for private occupation, an approved Indemnity Policy issued by an Insurance Company ) will be acceptable by most societies to cover excess advances up to a maximum of 90%. of the valuation of the house. Acceptable forms of security may be: 1. Title deeds of other property.