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Everything posted by Longtermrenter

  1. No not at all. 1st one had structural issues so we pulled out, 2nd one the vendor decided to stay put, 3rd one we were gazumped, 4th one the vendors hadn't found a place to buy after 4 months so we pulled out. 5th one I hope will complete. But I guess all of those mortgages were counted in stats.
  2. I've had 5 mortgage approvals in the last 12 months and haven't drawn any of them down yet.
  3. Private hospitals don't have A&E departments. When your operation goes belly up they rush you off to an NHS A&E, normally located in the NHS hospital conveniently located next to the private hospital. That's why they build them there, as well as so the NHS trained staff can fit between hospitals.
  4. They might spend it on expensive 4x4s that lose value in a few years, the money disappearing like smoke...
  5. To be fair, that's the most watched videos, not articles but yes, I see what you mean.
  6. Just do what I do and wash your vehicle every year or two!
  7. https://www.kentonline.co.uk/medway/news/university-set-to-leave-county-campus-246700/ Only 100 students but I believe this organisation are the examination body for a large number of college courses.
  8. We tried to start buying early last year before the pandemic hit. We have had 3 purchases fall through (none our fault) and have seen average prices of the 3 bed semis we are looking at rise by £30k. Meanwhile, in the last year we have paid another £12k in rent to add to the £200k we have paid in the last 20 years. All I can see now going forward is our deposit being eroded by inflation. Unbelievably, the interest rate on the mortgage we agreed last year has dropped from 1.49% to 1.39%. We want to buy as it will instantly save us £300 a month in rental payments. On the other side of the coin, any defect you find in a house has to be sucked up and paid for yourself, as if you try and use it as leverage for a reduction someone else, who either hadn't seen the defect or has too much money to care, will offer more for the property.
  9. Sorry, showing my age. GasSafe or whatever they are now.
  10. If the gas has been disconnected they probably won't reconnect until the heating or cooling system has been certificated by a CORGI registered gas engineer who, depending on the state if it, night say they can't certify it until the system is completely overhauled or replaced.
  11. This extension is so invaluable, I have been using it for a good five years or more now. Nearly all of us will benefit from it. Please donate at least something if you can - 10p from every 2000 users goes a long way. Decent fast servers don't come cheap! I have no connection with the developer other than admiring his work and commitment and appreciating the usefulness of the extension.
  12. It is mor ethan the 1st peak: https://coronavirus.data.gov.uk/details/healthcare
  13. The additional training required was the NHS e-learning mandatory training. I recently completed it in about 5 or 6 hours over a few days as I thought it would help with a low level NHS job I was going for: it is free for anyone to do. If you are a returning professional I would imagine it would be even quicker. It is pretty simple and easy for anyone to complete with a modicum of intelligence. I did laugh when I heard the news reports as it was at the same time I was doing it.
  14. then there is this, admittedly from 2011: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/297421/flho0911bugi-e-e.pdf "Are you at risk? Mapping the risk of flooding from groundwater is complex and is currently not possible."
  15. I have been looking for a house and quite a few I thought were OK for flooding had bad risk from surface flooding. Hard to find, but this Gov map shows both surface water AND sea and river flood risk, as well as from reservoirs: https://flood-warning-information.service.gov.uk/long-term-flood-risk/map
  16. https://www.bbc.co.uk/news/uk-england-tyne-54842438 Van life: Durham couple's six years on the road (and counting) 'The idea of packing up your possessions to live life on the open road has its appeal, but the practicalities put a lot of people off actually doing it. Six years ago, after one of them nearly died and both were diagnosed with depression, Dan Colegate, 38, and Esther Dingley, 37, swapped their careers and a permanent home for motoring through the mountains, valleys and coastlines of Europe.' 'They found a campervan - quickly nicknamed Homer - a tenant for their flat and a buyer for their car.' 'One year has become six and counting, with the couple living off a combination of savings, rental income and money earned doing odd jobs.'
  17. He doesn't consider himself a collapse blogger: https://surplusenergyeconomics.wordpress.com/2020/10/01/182-the-castaways-dilemma-part-two/comment-page-2/#comments Last comment: Where collapse is concerned, these things are changing very rapidly, almost by the day. I certainly don’t see myself as a ‘collapse blogger’. My own position is very simple. It is that the economy is an energy system, and not a financial one, as is so widely assumed. My niche, if I may call it that, is modelling the economy from this perspective. This leads to various conclusions and scenarios. Economic collapse isn’t necessarily the outcome, though deteriorating prosperity undoubtedly is. The financial system is in a much worse state than the economy itself.
  18. I have followed Tim's blog since he started it. I think he stay's fairly much out of politics. Personally I think he is too easy on trump but then even I have to admit that he is possibly the first non warmonger president for a good while. I don't think the concept of surplus energy economics is really peak oil=expensive oil. If you read what he says about shale he states that the only rason it is economical is because of massive cheap credit. It is likely that the extreme price rises will take place at a slewed rate - perhaps a decade or two after peak oil. His SEEDS system seems to pretty much show the reduction in prosperity across most western nations. Anyway, each to their own, I think he is one of the only people talking sense at the moment.
  19. Even window glass doesn't need to be expensive - found out how to change sealed units a few weeks back. Most sealed units are only good for 5 to 10 years anyway and then the gas leaks out.
  20. I'm a renter too - not evicted luckily but nearly made homeless with my family a year ago so can empathise. Renting can puit a real strain a marriage but so can being a debt slave. Don't worry about what other people think, do what is right for you. If you love your wife, worry about what she tginks though! A garae roof isn't too bad, did one myself helping a mate out. PM me if you want advice. I'm also mad about the stamp duty cut.
  21. I have been looking for houses since February, before lockdown. It is clear to me that agents and homeowners are prepared to hide anything they can: cracks in brickwork, easements, flood risks, TPOs, broken boilers and taps, leaky roofs, undeclared building work with no planning permition or building control approval. People have spent the last 20 years bodging and remodelling their homes with terrible DIY; cracked mortar and brickwork are common around shoddy UPVC windows and doors. But the worst things? Banks are lending on these places without insisting on surveys (they do a desktop valuation in many cases). Other less savvy buyers just look at the agent pictures or the wonderful kitchen untis and start trying to bid 5010% over asking in case they miss out. I spent £800 on a structural survey, by a chartered structural engineer, for a house we were going to buy in May but pulled out after structural defects were identified as needed. I wouldn't myself bother with an EICR or homebuyers report anymore. I wouuld assume most houses need at least some electrical work, older ones lots of it. I would assume a new boiler is needed on anything over 10 years old and new pipework if going from a system boiler with a water tank to a combi boiler. Look for cracks around the windows, newly painted areas covering damp or cracks on the inside. Take binoculars to look at the roof. Look along the line of roof tiles or walls for bowing areas. Check the planning and building control records on the local authority website, check the police crime map, check the noise levels from road and rail (google noise extrium map), check the flood risk for both sea, surface water and reservoir flooding. Check on google earth using the desktop application so you can use the historical imagery slider which allows you to see aerial shots going back up to 1940 sometimes - you can see what the owner and neighbours have been up to. Pay £3 and download the title plan to see if there are any restrictive covenants or if the owner has a mortgage. Check on the local authority planning website to see if it is in consertvation, AONB or any other restricted areas that might make your extension plans difficult. Anything like the locked garage: when you make an offer put on the offer 'subject to a second viewing and inspecting the garage'. Take a torch and look in the loft at the roof timbers. Check there is mains drainage. Assume most flat roofs will need work. Check the guttering and the ridge tiles on the roof. Are hte barge and soffit boards rotten? Just keep doing this for loads of houses and offer what you think it is worth - don't be afraid to lose £1000 to save £30,000 down the line. Assume everything the owner and agent says is possibly a lie. It is a real grind for me at the moment - just wasted two hours travelling to see a dog of a house that looked OK on the website - basically anything that looks cheap on RM is cheap for a reason - even then it is usually hideously overpriced. Best of luck all, keep fighting the fight for the right to decent housing at decent prices. Loads of people out htere will just go ahead and buy but one day, if there ever is a crash, you'll be there armed to take advantage of good bargains and avoid the dogs.
  22. P.S. Do have a look at the labs page, especially the LIDAR - the 3D maps are very engaging (jelly moulds!)
  23. There already is a remidner, you'll see it soon. I don't donate every month but try to when I can as it is invaluable. When I finally buy a house I'll make a bigger donation😁
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