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This is what I don't understand about bankers, they are supposed to be good with money, yet this deal is clearly a rip off. No wonder the global financial system melted down if he thinks this is good value.

Given our respective incomes and savings, I reckon this is like asking me if I'd go down the local and spend £15, the day after going on a £100 drinking binge.

Well that answers that - thread closed.

So January was a frugal transfer window. If I'm understanding the new FFP regs correctly, we now have a £39m allowable loss over 3 years (3x13.) Given that the financial year just gone is likely to end with break even/surplus and we've not spent money this January. We have now built a...