You are reading a single comment by @NickCJ and its replies.
Click here to read the full conversation.
London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
This site is supported almost exclusively by donations. Please consider donating a small amount regularly.
NickCJ
princeperch
A 5.5x multiple will make you get out of bed in the morning.
A friend of mine in 2012 was acting like the sky was falling in and fixed his mortgage at 4pc for ten years. I told him not to do it.
I was feeling uncharitable once and
worked out he could have replaced both his bathroom and kitchen (which were both absolute shyte) with the amount of extra interest he ended up paying. As it is he fixed unnecessarily high for an unnecessarily long period and it cost him tens of thousands.