monks
-
Posts
950 -
Joined
-
Last visited
Content Type
Profiles
Forums
Events
Posts posted by monks
-
-
I was surprised to read in the paper about Carluccios opening in Hale, but only because the article pictured Antonio himself and interviewed him - when Carluccios opened in Manchester a few years back, Antonio no longer had any involvement with the restaurant chain, after some sort of disagreement (over the cooking/quality I recall) he walked away but the other owner/s were allowed to keep trading using the name 'Carluccios'. For that reason I've never bothered going.
Wonder why he's back on board, needing the money perhaps?
I saw that article too... it looked great though didn’t it... the revered talented restaurateur pictured outside his latest venture. Gave the business an air of authenticity that surpassed the existing Italian competition.
.
I wonder how often Antonio will be in the kitchen...
More chance of seeing Simon Rimmer cooking in Earle
-
Anyone else seen the news that there will soon be yet another empty premises on the High Street after the landlord of Dilli curry house, Cafe Rouge, and the council put the rent / rates up to a combined £77k?
On the subject of restaurants, ate in Carluccios in Hale recently, and I can't see that place lasting either... 2 italian sausages (they were cut in half length ways to make it look like 4) on a bed of lentils cost £15.
Average quality, and with competition from existing favourites like Danilios and Piccolinos, even Pizza Express, I can't see them breaking the market.
-
The Illuminati have put this patsy in charge of Labour. He has been (wrongly) advised to deliver the speech without notes, then goes in for a kiss with his wife, only for her to recoil in horror, like a 12 year old girl at the school disco.
Everything about this man is awkward and wierd.
Only when Labour get a new leader, we will know the Establishment want a change of Government.
(Watch for the Tory sex scandals appearing in the red tops at same time)
-
And I think we have mutual 'acquaintances'
Mr Ryan?
-
Of course I'd be happy to scrap a £20k diesel car and receive £2000... What planet is he living on?!
I'm off to buy as many old unroad-worthy, diesel cars for £200 as I can
-
Check mortgage meter. Do the very comparable rates for both trackers and fixed deals for 3 yr deals suggest an imminent rise?
-
Ok, so I can't get the link function to work, but google David Ryan Byrom St
He lived a few doors down, weird guy but never would have guessed he was capable of this...
We had several visits from the police regarding the matter, and forensics even removed his plumbing pipework for DNA evidence
just to add (as the reports don't make it clear)... he cut her intimate parts out with a chainsaw to get rid of the previous evenings "evidence"
-
Thats close to us, on street parking is crap, loads of vibration from the railway line, just about as small a terraced house as you can buy in the area. We were originally thinking of buying there, but We've given up, we could just about afford this with our fund but whats the point?
Moved last year from Byrom St. after a good 5 years... My take on living there:
There is no chance of vibration from the railway line there - maybe Victoria Rd, but not on Byrom St.
Parking is crap, although they introduced permits earlier in the year on the pretence of improving parking... parking was only a problem on Byrom St in the evening, when everyone who lived there (ie permit holders) were at home!!!
The other big issue is the bins. Fortunately I never had to suffer the fortnightly collections, but they were generally over-flowing and filled with the wrong stuff. Bin men would then just leave them unemptied, exasperating the problem.
Cars were always getting scratched, wing mirrors getting knocked off. There is some fool living on the street driving a beat-up yellow wreck who regularly scratches other peoples cars with their careless parking (look for the yellow paint left in the scratch). Summer will bring the louts using the street from Hale to Alty using it as a midnight rat-run. Expect the occasional street fight, shouting match or kebab left on your windscreen.
The houses may look full of character and well built, but most are falling apart and have never had a decent structural refurb ie just a bit of plasterboard dry lining over the spalled brickwork and damp, loose mortar. If you really looked hard you would be amazed how some of them are still standing. Sound transmission is appalling - you can easily hear your neighbour snoring / farting in bed.
On the plus side, they will AWAYS be in demand. The demographic they appeal to ranges from Polish minimum wagers through to multi-millionaires just temporarily down-sizing / going through divorce. Not many streets where you can count a Coronation Street star and a sex murderer amongst your neighbours....
-
Been watching them build this with interest over the last few months (years) and just come on for £600k
http://www.rightmove.co.uk/property-for-sale/property-31516932.html
Not sure when it started but its taken a surprisingly long time (typical house build should take about 24 weeks or so).
Had a bet with my Dad over whether it was going to be flats or a single house (he has won...)
-
If the current trend continues UKIP will be voted in then it will be natzi style foreigner cleansing by the masses who just want somewhere comfortable to live.
I take it this is a joke? I thought people on this site were level headed, individual thinkers.
Get back to the Daily Mail comments section
-
Just moved the Hale/Altrincham area (used to live out in Disley, but now divorced and new partner...). We are currently renting a victorian terraced house near hale station, (£1350 pcm) . We were half entertaining buying as we have a substantial str fund, but I don't get the market, must admit it seems to be going crazy again round here. The LL bought the house for £365k last year but smaller properties in neighbouring streets are already going stc for substantially more.
Also I am glad we rented first, the noise and vibration from the heavy goods trains on the railway in the early hours would have been an unpleasant surprise after buying, and on close inspection the house is likely to be high maintenance.
Any thoughts on whether it's sustainably? the amount of cash there is in this part of the country I found disturbing, although of course it could be all debt, or media types from the beeb?
My personal experience is that the BBC move has had a negliable effect on prices in Hale - I certainly dont know anyone working for the Beeb who has moved up (either in larger circle of friends or other parents at the school gate).
Yes, there are a lot of people with huge debts, but they also earn considerable sums of money (eg joint income £90k+ as minimum) and have lifestyles that can be downgraded if necessary (albeit begrudgingly). Takeaway instead of banquet at Dee Thai? Total Fitness instead of Hale Country Club?
I would expect Hale (and similar towns) to be fairly immune from any large future price falls due to the desirability of the area, and the willingness of residents to downsize just to stay local. (I am not saying prices won't fall, just that you will see larger drops in areas like Wigan etc that quickly ballooned out of proportion to the location).
-
Their ultimate aim is for everyone to take their own rubbish to the local tip.
We already have to do this once every 2-3 weeks as the grey bin is full
-
Joining a gym isn't basic though, the same as having an iPhone or Samsung S5 isn't.
What I find interesting with this is all these checks are made at the time of application, but what about afterwards? By this I mean, you apply for a mortgage, then take out the gym, then take out the £50 a month iPhone contract, then take out... Then a child comes along too. Financial instuitions never seem concerned about whether someone can afford the mortage a few years down the line i.e. I think affordability should be tougher on 20 and mid 30s unless specifically stating they don't intend to have kids.
Read they might even look at National Lottery subscriptions (to see if you have a gambling addiction), so buy them in cash for 3 months prior to an application. I suspect anyone with any intelligence should easily be able to bypass (at least in part) the new rules, by making a few simple changes to their lifestyle / spending habits
-
Keep promising rate rises...
- Give the money markets confidence returns are just around the corner
- Scare people onto higher / longer fixed rates
Do nothing.
Rinse and repeat, getting more and more frantic and cocksure in your "predictions" as time goes on.
- Give the money markets confidence returns are just around the corner
-
If a graduate has anything about them, the pay rises will come thick and fast soon after starting. If not at the original company, then certainly following a move elsewhere. This is my experience of watching graduates come through the ranks at our place (FTSE construction company).
Having said that, we have had one or two over the last few years who weren't even worth half that amount.
-
Never really understood the point of applying a %age to costs such as mortgage. Firstly it makes no discrimination between someone on £10k a year and someone else on £150k. Then personal circumstances, eg is it a single 30 year old or one income family household. Then theres additional expenditure, attitude to thriftiness etc (there are plenty of people I know who appear to be paying 2-3 times what I do for insurances, utility bills etc), discretionary spending, season tickets, gym memberships, car running costs, holidays, existing debt / interest payments, what stage of your career are you at (any pay rises / cuts on the horizon)??
Sorry, but its pointless saying 25-30% is the acceptable figure
-
So who owns the houses then? Not the investors I can assure you.
I would assume that the company ends up in piles of debt then properties are sold off cheaply to the directors then the investors loose all.
From the "testimonials" section on the website:
"The House Crowd come across very open and transparent. Almost too good to be true, lol”- I Hamilton
-
Appeared in our local paper this week:
PROPERTY investment firm, founded by a Hale resident, has bought its 50th crowd funded property with money raised from investors each investing as little as £1,000.The House Crowd, founded by Frazer Fearnhead, encourages investors to ‘crowd’ together, each providing a small amount of money to purchase a property.
Initially launched as a website in 2012, The House Crowd has raised £3.3 million to date and has grown at more than 152 per cent in year two. The unique model uses no borrowings meaning that properties are free of any mortgages and therefore the risk is substantially reduced.
Frazer said: “The crowd funding industry is in its infancy but is gathering pace at a phenomenal rate as more investors become aware of the power of the crowd to deliver superb returns while enabling them to keep greater control of their money.”
-
Anyone see the small article in the Messenger newspaper this week about crowd funding BTL's???
Will post on the main forum as well...
If this gathers pace it could seriously delay any HPC
-
Interested to hear peoples opinion on this Zoopla data...
Sold up on the B Streets last autumn and moved just off Hale Rd (4 bed semi with garden - intend to stay here a long time, and have deposit to ride out fairly big falls)
The Zoopla 6 month value change is showing a 6% DROP in price.
Is this worrying me? No, but I do find it strange as I'm not sensing this in general sentiment.
What are your experiences?
-
The poor need to be culled like badgers. I'm sure many of them carry TB.
Perhaps the rich could hunt them.
Trashy 90's cult movie I need to revisit soon Surviving The Game
-
£2.5k refund, big deal.
It doesn't say what rate you will be paying but a small margin above its competitors and it will recoup most, if not all, of the money.
Let's face it, many FTB'ers probably don't understand interest rates anyway. They do understand a "£2.5k refund"
This is a clever ploy to bring people into Halifax, nothing more.
-
We are a few years into this mess now, and there must come a point when sufficient people at one end of their mortgage life have paid it off, and sufficient FTB'ers are on-board paying punitive rates (one mentioned on this board recently for 8+% ?).
That leaves the mortgage holders in the middle - I can't believe many are MEW'ing any more, and so many of these have paid down their debt in the last few years.
There WILL be a tipping point when interest rates can rise safely and affect only minimal households.
-
First year with the kids in school - booking flights and hotel saves a huge amount eg 9 nights in Turkey all-inc coming back at £5k+ for the hotel we want on the agents sites (some even suggesting £7k to 8k!!), versus about £3k booking flights direct through airline and hotel through own website (plus 10% discount code).
Sad fact is for a family of four, a decent all-inc holiday is almost impossible to find for less than £2.5k these days.
"you Dont Choose To Go And Live In Bolton" Car Crash Telly
in House prices and the economy
Posted
I know Laurens (woman who makes Bolton comment) family, and believe me, if they get her dad and brother on the screen, they will make Katie Hopkins look reserved and measured
