Internet, music, cell phone OFF

Well thanks to my horrible headache problems my mom said that I have to be off of computers.... stop listening to loud music..... and no talking on cell phone for days.

If I still have headache problems off to the hospital. Sigh, all my characters are out of the game at the moment. I hate my life.... and ow.

So bye see you in a few days hopefully or I'll have to sneak back on >.>'

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Jack Wilshere England display impresses Fabio Capello


Wilshere (centre) had a solid first half before he was withdrawn at the break
England boss Fabio Capello praised Jack Wilshere after the youngster's full debut in the 2-1 win in Denmark.
Arsenal's Wilshere, 19, partnered Frank Lampard in midfield for the first half of the friendly before being taken off at the interval with the score at 1-1.
"He played very well. He played with confidence, passed a lot of good balls and won back possession," Capello said.
"It's not easy for a player so young on a [full] debut to play at this level. It was a good performance."
Wilshere, making his first start for England, said on Thursday that he would "treasure [the match shirt] forever".
Liverpool defender Daniel Agger scored an early opener for the Danes prior to Aston Villa's Darren Bent levelling proceedings with a simple tap-in for the equaliser.

Ashley Young replaced Manchester United's Wayne Rooney for the second half and scored England's winner, playing in the hole behind the striker and club-mate Bent.
"He [Young] played in the same position as he does with Aston Villa. He played with confidence in this position because he is free," Capello added.
"All the players did well. It is not easy to play here and win."
Capello was relieved after the game that none of the players sustained any injuries, with a full Premier League programme this weekend and the Champions League resuming next week.

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Jack Wilshere can take much from his own performance, showing confidence and a full range of passing, despite playing a role unsuited to his progressive box-to-box approach
"No-one is injured and that is important for the clubs," the Italian commented. "I'm happy for the performance of the players. The players worked really hard and with team spirit, which is really important."
Wilshere, who was overlooked for the November defeat against France, said he would cherish his first national start
"It was just good to be out there," the teenager stated. "To play with the players who were on show was just brilliant. I'm delighted and it's good to get off to a winning start on my debut.
"Obviously, it is a big game for your country but I think the main thing was for me to go out and play my game. Hopefully, I showed that.

"I was a little bit nervous before the game but the lads were great. I'm delighted with my performance.
"I knew I would only play 45 minutes. It was a great experience and hopefully I can get more. At half-time I was desperate to get out but the boss said 'you have got some big games coming up for your club'.
"Playing with Rooney and Lampard was great and I'm going to treasure that forever."
Bent was delighted to follow up his first goal for his country against Switzerland in the Euro 2012 qualifier in September with the equaliser in Copenhagen and hoped it would lead to a regular spot in Capello's future teams.


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Lampard happy to return to winning ways

"I was happy to get 90 minutes. Fabio felt it was right to start me and I managed to get a goal and was happy with the performance," reflected Bent, who celebrated his 27th birthday on Sunday.
"My club form has been good and, since I've gone to Aston Villa, everything has gone right. I can put a marker down in terms of a regular place but there are a lot of good English striker around.
"It was only a couple of games ago that Jermain Defoe got a hat-trick [against Bulgaria] so there is big competition. But, as long as I can keep going, keep my club form up and keep trying to put in performances when I'm picked for England, then anything is possible."

Budget 2011: First-time buyers to get loans

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Watch: Osborne: 'Home ownership beyond reach of many'
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A new shared equity scheme for first-time buyers has been called as a "shot in the arm" for the housing market.

At least 10,000 first-time buyers will be eligible for the Firstbuy scheme, announced by Chancellor George Osborne.

The House Builders Federation welcomed the move and said it would have economic and social benefits.

However, the £250m government pledge to the scheme will only last for one year, the Budget documents reveal, and lenders described the help as "modest".

This would be funded by the levy on banks, Mr Osborne said. Some £210m will be spent in England, with the other £40m in Wales, Scotland and Northern Ireland.
Struggle

First-time buyers have been struggling to get a foot on the housing ladder.

The latest figures from the Financial Services Authority (FSA) showed that they required a large deposit.

The City regulator said that only just over 2% of new mortgage lending in the final three months of 2010 was to those who could offer a small deposit of less than 10% of a home's value.

Lenders have said this has been the result of a squeeze on the amounts available to lend, and a lack of appetite from new borrowers.
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Figures from the British Bankers' Association (BBA) said the number of new mortgages its members had approved for homebuyers stood at 29,923 in February.

So the new scheme would be limited to just a third of one month's approvals - although first-time buyers are key to getting the property market moving.
Shared cost

The Firstbuy scheme would see the government and house builders offer loan help for first-time buyers purchasing a newly-built home.

Buyers must save a deposit worth 5% of their property's value, with the government and housebuilders putting up 10% each through an equity loan, enabling people to qualify for 75% loan-to-value mortgage.

The equity loan would be interest-free for the first five years, with interest charged at 1.75% in year six, and at inflation plus 1% thereafter.
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This is a bold strategy given that the credit crunch was largely caused by people borrowing more than they can afford to repay”

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A similar temporary scheme was introduced by the previous Labour government, and was considered a success by house builders.

But the Council of Mortgage Lenders (CML) said the latest scheme was less generous than the previous administration's HomeBuy Direct scheme.

"[We] do not alter our forecast of a challenging year for households and the housing market this year," said Bob Pannell, CML chief economist.

And Toby Ryland, of chartered accountants Blick Rothenberg, said: "This seems to encourage first-time buyers to purchase property with very high loan-to-value ratios.

"This is a bold strategy given that the credit crunch was largely caused by people borrowing more than they can afford to repay. We must hope that there are sufficient safeguards in place to protect against repeating the mistakes of the past."

In a separate announcement, the Support for Mortgage Interest scheme, which is aimed at subsidising the interest payments of mortgage holders across the UK who become unemployed, will be extended for another year from January.
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