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Everything posted by GregG

  1. Pregnant women, mid-december, needs a place to stay. Why does this ring a bell? You've the makings of a Channel Four Christmas special there.
  2. You are making the assumption that the people who make the laws and enforce the policies are not corrupt and genuinely want a fair and uncorrupt system and a level playing field. That is patently false. You only have to look at the MP's expenses scandal and public workers deliberate doing overtime to see that the system is false. Many of those MPs have several houses. Why would they want property values to drop? Once you've paid them they are not YOUR taxes. The answer therefore is to avoid paying as much as possible.
  3. I had a survey by eserve (f'ing useless. "It has four walls and a roof"). If I pay for a detailed survey would it find, dry rot, mold, rats, etc if those problems existed.
  4. No a septic tank has a soakaway. A cesspool is a sealed tank (concrete hole in the ground) that holds everything. They are not old they are 35.
  5. If pulling the plug after the bath cost you a quid, would you re-install it? I doubt they've even cut it.
  6. I recently made an offer on a house of 340k. After two visits and instructing solicitors I found out that the house was not connected to the sewer like all the other houses in the street but rather had a cesspool. A cesspool is a tank that holds all your waste water which then needs to be pumped away at a cost of £100 for every 2000 gallons. Naturally when I discovered this shitty little detail in the HIP I was somewhat alarmed because the average 4 person family produces 2000 gallons of grey and black water every month. So waste water bills would be £1200 per year compared to £460 on the main sewer. Plus maintenance of the tank plus the hassle of the man turning up EVERY month with the pumping truck. I went to see the owners (married couple) who insisted that only had their 2000 gallon tank emptied every 3.5 months, which I knew was a lie, because nobody could economise on water to that degree. So I had a little sniff around the property and found a semi obscured 2.5 inch polypipe going to one of their fences which borders on a wood. They are basically dumping greywater to ground under their fence and because it is sandy soil the soaking away ispeed is better than normal. I asked them about the pipe and they said it did nothing. Yeah, Right! So the next day I went around the back and found a 2.5 foot very soggy patch of forest surrounded by firmer ground right under the section of fence where the pipe disappeared underground. The problem is firstly you need a discharge certificate to dump grey water, secondly they wouldn't get one without some sort of pre-treatment because the garden backs right on to a small brook which takes the runoff from the local roads. So there is a cost involved in rectifying that. Plus the hassle. Lastly the are dumping it on the forest, not their land. I brought up my findings, politely and matter of fact like, and they STILL denied that the pipe was used and mentioned that co-incidently a builder had turned up not 4 hours before and removed the pipe. What a co-incidence. They are still swearing blind that ALL of their waste water goes to the CEsspool. But of course that is impossible. Obviously they are tanking the black (toilet) and dumping the grey (everything else) untreated. Even the proportions match. About 1/3 of your waste water is used to flush the loo. I'm going to see the Estate Agent tomorrow and wondered what sort of duty of care he has to inform other purchasers about the problem if they don't accept my lower offer allowing me to connect to the mains. i.e. Does what they are doing go public now and will the sellers find it harder to sell. They claim they are selling to downsize, suggesting that their mortgage is too big. They bought for £320k in 2006 but claim at £340k they'll be making a loss. Possibly true as they've made some "improvements". One minute they claimed they were buying a new build house and the next they seem to be renting. Any advice?
  7. No he called the coppers because the woman was a mouthy anti-social uncivilised whore. I'd have done exactly the same.
  8. I've been speaking to Letting Agents in Maidstone. Tip, always pretend on the first call you are a Landlord to avoid the sales pitch to tenants BS. I've asked them what stuff has been renting for and they are all telling me that at the top end (above £1200) a month that they are having to slash prices to get people interested. Stuff that has been sitting around vacant for months at 1550 is being dropped to 1250 pcm in order to get rented out. The bigger houses just don't have a floor under them. £15000 a year for a £400k house seems pretty good to me. That's 3.75% gross right?
  9. I've got a motor trade insurance policy. Covers me for any vehicle I own. How the heck are they going to police that?
  10. I found out today that Ward and Partners have closed down their auction division. They used to be fairly large and their only competitor in Kent was Clive Emson. I bought a large house from the back in 1999. The guy who used to run it retired and they decided it was not viable to continue it as a business. http://www.wardandpartners.co.uk/auction/
  11. It works by weighing the rubbish bin loaded on the back of the truck. I wonder whether people will soak cardboard in water or do other tricks to get more points for vouchers.
  12. I did over 20,000 miles on pure vegetable oil in a 1996 Citroen Xantia Turbo Diesel. No problems and fuel economy almost exactly the same as diesel. Marginally better on a run and worse around town. I sold the car 18 months later. No modifications at all and the car was perfectly running fine with 130,000 on the clock when I sold it. I did this shortly before they made running on Veg legal and while the price for 3 litres of oil at the supermarket was under 50p a litre. The trick is it must have a Bosch or Nippon Denso inline injection pump, you must mix 50:50 on the coldest winters days or keep the car in the garage, or add 2 litres of white spirit for every tank of veg to thin it out (gets thick in the winter) and must change the fuel filter every 5000 miles. Do NOT use pure vegetable oil on a rotary pump. It works, but it is a bit of a fag to fill up as it requires emptying 20 x 3 litre bottles of oil into a funnel and you invariably spill a bit. Eventually I made my own filling station from a water butt (gravity fed from the rafters of my garage). Then I installed an old washing machine pump to make it faster to fill. It was a lot of fun, but not very practical. You must also have the old fashioned indirect injection system not a modern TDI (DI stands for Direct Injection) as these operate at 10 times the opening pressure and any variance in the fuel viscosity will make them run rough. A modern DI car needs about 500 quids worth of parts to modify it correctly. I've not seen value vegetable oil for 50 pence though which is why I stopped.
  13. He wouldn't even notice half of them had left. Unless he turned his fat head.
  14. You've only got to watch Jeremy Kyle and other touchpoints of western culture (or lack thereof) to understand that westerners, are least, are getting dimmer and dimmer. That seems more likely to destroy us or set us back a thousand years, before the lack of sunlight.
  15. Who is the ultimate judge on what is immoral or moral? What some people don't seem to understand is that it is the lender's house until you have paid for it. Those are the Terms and Conditions on the contract the borrower signs. If it wasn't the lenders house then no judge would let the lender re-possess it and sell it. People put nothing down or a small deposit and still claim it is "their" house. It is no more their house than the house I rent is "mine". Would anyone feel guilty about renting a house where the previous tenant had been kicked out for not paying the rent?
  16. If she divorces you you're screwed either way. If you like your kids then she's got you by the ******** and if you don't like them you just bugger off overseas and start afresh.
  17. Trouble is that when everyone else is at it, you can't really afford to take the moral high-ground. It's really not much different to liar loans or any other type of scam or scheme. When it becomes widespread enough then it just becomes part of the new "rules". Society is fiicked up. Unfking it up is going to be a difficult process.
  18. I'd like to do that. I see all sorts of advantages. For one thing you could have a small medium and large car and then get motor trade insurance. You'd save a stack of money like that. A motor policy where they lived would only cost about 600 a year for all of them. Granny can guard the home. One person can do all the shopping. One council tax bill to share.
  19. http://www.reuters.com/article/ousiv/idUST...lBrandChannel=0 NEW YORK (Reuters) - Longtime technical analyst Robert Prechter, who forecast the 1987 stock market crash, predicted this week that U.S. equities may plunge to half their lows hit in March as a deflationary depression bites. Oil and U.S. Treasury bonds are also locked in long term bear markets, while corporate bond prices will plunge precipitously by next year as broad economy, banking system and company earnings sustain more damage from a financial crisis that's akin to the Great Depression, he said. The U.S. S&P 500 stock index's .SPX rebound by nearly 40 percent since it sagged to a 12-year closing low of 676 points on March 9 is not sustainable, Prechter said in an interview with Reuters. "It's not the start of a new bull market," said Prechter, chief executive at research company Elliott Wave International in Gainesville, Georgia. "Our models are (showing) right now that it is a much bigger bear market than most people realize, something along the lines of 1929-1932," he told Reuters in a wide ranging interview. "It's a very rare event," he added. "I think the next leg down will be at least as severe if not more severe than what we just experienced. So you want to stay on the side of safety," he said. As in his 2002 book "Conquer the Crash," which warned of the dangers of a U.S. debt bubble and deflationary depression, Prechter continues to advocate safer cash proxies such as Treasury bills. SEVEN MORE YEARS? Riskier assets such as commodities, corporate bonds, and stocks which are currently anticipating that the severe global economic downturn may be bottoming, are likely to have short lived intense rallies, but within an inexorable long-term decline that may last another seven years, he said. As banks continue to accumulate losses and corporate earnings fall, "the difficulties will probably last through about 2016," he said. "There will be plenty of rallies along the way." Oil may rally further from current levels just below $60 per barrel but the upside will be capped at about $80 per barrel as the commodity is locked in a long-term bear market, he said. In July, U.S. crude oil hit a record peak above $147 per barrel and was just above $57 per barrel around noon on Thursday. "Deflation is coming, it's going to lead to a depression. We're not at the bottom yet," Prechter said. "I think we are going to have bouts of deflation separated by recoveries." Prechter also painted a bleak picture for commodities like silver and is largely unenthusiastic about gold, believing the precious metal made a major peak when it rose above $1,000 last year. While gold may have already topped at above $1,000 an ounce in March 2008, Treasury bond prices are likely to fall in a long term bear market, with huge government debt issuance being the main catalyst. The benchmark U.S. 10-year Treasury note yield, which moves inversely to its price, hit a five-decade low of 2.04 percent in mid-December. "People got very enamored with bonds and very enamored with gold and I don't like to be invested in markets that are over subscribed," Prechter said. "The Treasury (Department) has taken on so much bad debt" at a time tax receipts are falling, that "there will be a slow, but very steady change in the way people will view the U.S. government," said Prechter. As a result, investors in Treasury notes and bonds will ultimately demand higher yields, he said. The U.S. central bank will not be able to control the government bond market and prevent yields from rising, regardless of how much money the Fed uses to buy Treasuries, he added. Next year, U.S. corporate bond prices will probably fall below their extreme price lows of December during the market panic of 2008 when investors fled riskier assets, he said. "Corporates in terms of price have the big wave down coming. This has been a prequel," Prechter said. "Many corporations who (now) say we can borrow more money and take more risks: those are the ones who will get in trouble," he said. "Many municipalities will default," he added.
  20. maybe he took a holiday. He's been working pretty hard after all. Good time for a holiday now. My wife just went to Croatia with her friend for two nights. £12 return on Ryanair (used Visa electron) and £130 each for two nights in a four/five star all inclusive hotel by the beach. All meals, wine and beer. Got a free upgrade to a sea-view room as the place was empty apart from a few German pensioners and they had the SPA complex all to themselves.
  21. I speak to my father all the time. I am his 8th child (of 9). He has 56 grandchildren. Even if they selfishly only visited him once a year each, that would still be a visit every week. As it is his Inbox is full and his phone needs to be taken off the hook for him to sleep in the afternoon. He gets e-mails from grandchildren in New Zealand and sons in Australia. Just a question of bringing us (and therefore grandchildren) up correctly so we/they are not selfish gits. I loved my father as a child and that left an indelible mark on me. Why should I love him any less as an adult? You reap what you sow.
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