User talk:78.129.128.196

January 2009
Welcome to Wikipedia. The recent edit you made to Fixed rate mortgage has been reverted, as it appears to be unconstructive. Use the sandbox for testing; if you believe the edit was constructive, please ensure that you provide an informative edit summary. You may also wish to read the introduction to editing. Thank you. Chasingsol(talk) 02:19, 11 January 2009 (UTC)

March 2009
Please do not add inappropriate external links to Wikipedia. Wikipedia is not a collection of links, nor should it be used for advertising or promotion. Inappropriate links include (but are not limited to) links to personal web sites, links to web sites with which you are affiliated, and links that attract visitors to a web site or promote a product. See the external links guideline and spam guideline for further explanations. Since Wikipedia uses the nofollow attribute value, its external links are disregarded by some search engines, including Google. If you feel the link should be added to the article, please discuss it on the article's talk page rather than re-adding it. Piano non troppo (talk) 10:35, 5 March 2009 (UTC)

All your six edits so far have not been constructive. You added external links contrary to policy on WP:SPAM and one edit changed existing correct information for incorrect information. If you continue, your account will be blocked for vandalism. This is a formal warning. Piano non troppo (talk) 10:38, 5 March 2009 (UTC)