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30 The Link Magazine • November 2001
     ^J      J.F.K             A thousand people have signed up for computer courses at the Link Learning Centre since it opened in
                                 Celebrating achievements at Link Learning Centre



                               completing their courses.
        BUILDING               September last year and to celebrate the event Certificates of Achievement were awarded to students
                                 The centre run by Swindon College in a computer suite next
         SERVICES              to the Link Centre library offers a wide range of free and low cost  rc-
                               courses, including City & Guilds, OCR Internet and the Euro-
    Extensions, Alterations,'  pean Computer Driving Licence.
                                 At a cheese and wine party for former and present students,
          Renovations          Certificates of Course Completion were presented by the college
        All aspects of garden  curriculum manager Phil Neave. Special awards were made to
     construction including fencing  Joan Mace, for using her newly acquired skills to help with
                               charitable groups, and a father and daughter award to Vince
       All general building work  Freel and Bernie Dudman for being the first father and daughter        '
       Tel: Mr J.F. Keenan     to complete the City & Guilds Certificate in Computer Applica-
                               tions. Both have progressed on to the internet course.
        (01793) 727824           See the advertisement opposite about courses on offer or call
                               into the Link Centre to find out more.
                                                          Success stories: Julia Hoskins,
                                                          Link Learning manager,            __
                                                          presents certificates to Wendy Ramsey, left, former student who has just been
                                                          appointed as a part-time tutor at the Link Learning Centre, having  success-
                                                          fully completed City & Guilds Certificate and Diploma in Computer Applica-
      Specialists in PVCU,                                tions; Marie Dyer, centre, who completed City & Guilds Certificate and
                                                          Diploma in Computer Applications and is now studying on an OCR Internet
      windows, doors and                                  course, receiving her certificate
         conservatories.          THE OLD LIMMEX
                                                                    Family project annual meeting
                                     REPUTATION            The West Swindon Family and Community Project holds it's annual
                                                           general meeting on Monday 5  November, 12.30pm when the project
                                                           house at 15 Gainsbrough Way, Freshbrook is officially reopened by
                                          14 Wood Street   South Swindon MP Julia Drown after extensive building work.
                                                Old Town    Anybody interested in the work of the project is invited to attend. For
                                                          details and to arrange child care, call 871303.
                                                Swindon
    Tel: 01793 848177 or 770596                            Stock market fluctuations .. What does the future hold?
    .22 Ravens Walk. Wootton Bassett.  Tel: (01793) 433331
                                                                  Mike Rees of West Swindon mortgage brokers
                                                           Mansfield Begbie Associates tries to make sense of the future.
                                                          Quite simply, anybody who has  have an effect on savings and in-
         THE COMPLETE HOUSE                               the answer would be worth a for- vestment rates, which affects in-
                                                          tune. Although nobody knows for  vestment growth and whilst peo-
      FURNISHERS IN ONE SHOP                              sure, economics experts who study ple can lookback to the early 1990's
                                                          the market can make educated  and say that at that time invest-
      SPILLERS FURNISHING                                 guesses, which are not usually too  ment growth was good, this should
                                                          wide of the mark. We all know one  be balanced by the fact that mort-
                 Established since 1843                   thing, that the markets do not like  gage rates were above 12%.
                                                          uncertainty and following 11 Sep-  The ideal scenario would be low
        Parker Knoll          o           lrerborne       tember there is an air of uncer- mortgage rates and high invest-
                                                          tainty throughout the world at ment rates. Unfortunately this is
                                                          present.                   unlikely to happen. Therefore, peo-
                                                            However, economists were cau-  ple with investments should sit
                                                          tious much earlier in the year and tight and wait for the markets to
                                                          had forecast prior to 11 Septem- recover, as they always do, bear-
                                                          ber, a rise of between 20 - 25% in  ing in mind that this time it could
                                                          the Footsie 100 index between  take longer than usual. However,
                                                          April 2001 and December 2002,  if they are mortgage borrowers
                                                          which, whilst sounding good,  they can take heart that at least
                                                          would only take the index back to  their outgoings are lower than they
                                                          where it was in late 2000. The re- have been since the late 1950's.
                                                          cent global events have seen the  It would make sense to consider
                                                          Footsie 100 hit a four year low, and  reducing your mortgage payments
                                                          whilst it has partly recovered in  by switching to a better deal and at
                                                          the last few weeks, it is obvious the same time discuss the options
                                                          that the resurgence in the market available to you if you have re-
                                                          will now take a lot longer.  ceived, or are about to receive, a
                                                            The Bank of England has tried to letter from your endowment pro-
      • Dining Room Furniture • Suites & Sofas • Chairs & Recliners
                                                          kickstart the economy to prevent it  vider giving a forecast of maturity
           • Specialist Recliners • Beds & Bedroom Furniture  falling into recession by reducing values. Don't forget that the basic
             • Occasional Furniture • Carpets & Flooring
                                                          interest rates, with the result that principle of investment is that you
              Open 6 days a week - Free delivery          we now have the lowest bank base  buy when the market is low, you
                                                          rate since 1959. This is obviously  don't sell. Whatever your situa-
                                                          great news for mortgage borrow- tion it is prudent to talk to an inde-
                                                          ers, with many discounted deals pendent mortgage broker.
                                                          available.                   Mike Rees can be contacted on
                                                            However, lowerborrowing rates  772779.
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