schmunk
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Everything posted by schmunk
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Prepare For A New Era Of Oil Shocks.
schmunk replied to Key Stakeholder's topic in House prices and the economy
I came in here expecting an announcement on Suspension Forks.... -
Bonuses Etc Being Calculated Into Mortgage Calculations?
schmunk replied to Monkey's topic in House prices and the economy
You may be barking up the wrong tree with some Company Car Allowances. In many cases they are just additional cash which is itemised as an equivalent of receiving a company car. e.g. I receive £x car allowance on top of my basic salary. It is paid as £x/12 each month through payroll (subject to PAYE and NI) and I am under no obligation to use it on car expenses. So, when applying for a mortgage, I would quote the total of my salary and car allowance as my "Salary". I would, however, argue that expenses payments for business use of a private car should not be included as "Salary". -
Coutts is 100% owned by RBS, which is 84% owned by the state...
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Wikipedia tells me you're mistaken...
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Zeno's paradox....?
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Ahem...
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Advice Needed On Selling
schmunk replied to thejaksie's topic in All about buying, selling and mortgages
I'm not sure you've understood the concept of this forum... -
There are full indoor and outdoor pictures now. Topic rendered pointless - move on...
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How Much Is You Annual Spend On Gas?
schmunk replied to MEtallic's topic in House prices and the economy
2 bed semi, with an AGA for cooking. Separate gas central heating. Approx £80 per month -
Long Time Since I've Been On Here - Any Advise For Young
schmunk replied to Young Fellow's topic in Anecdotals
...or he could be a lying troll. You decide. -
Older people trading down? There must be quite a few of these. My wife's granny bought a £400k house with cash.
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Saatchi And Lawson: Dab Hand With Vase Of Twigs
schmunk replied to JPJPJP's topic in House prices and the economy
Wrong Coq, ****. * You're thinking of the Coq d'Argent... (* As in 'Wotcha, ****', nothing offensive) Edit: damn that word filter -
Proof of why you should haggle on the rent - a PropertyBee oops..! http://www.rightmove.co.uk/property-to-rent/property-10294938.html 13 October 2010 * Price changed: from '£1,250 pcm' to '£1,400 pcm' * Status changed: from 'Not Listed' to 'Available' 14 August 2009 * Agents Telephone changed: from '08453473515' to '08453033195' * Status changed: from 'Available' to 'Not Listed' 08 April 2009 * Price changed: from '£1,300 pcm' to '£1,250 pcm' [Found by n/a] 11 March 2009 * Price changed: from '£1,550 pcm' to '£1,300 pcm' [Found by n/a] 20 January 2009 * Price changed: from '£1,700 pcm' to '£1,550 pcm' [Found by n/a] 09 December 2008 * Subtitle changed: from '4 bedroom detached' to '4 bedroom detached house ' [Found by n/a] 17 November 2008 * Initial entry found. [Found by n/a]
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So, You Have Had Your Offer Accepted On A House
schmunk replied to Democorruptcy's topic in House prices and the economy
I'm renting and have just taken delivery of 12 massive rolls of loft insulation to lay myself... If it makes our bedrooms warmer, and cuts our fuel bills, it (and £36) is a small price to pay. -
And I'm in Cuckfield, just the other side of Haywards Heath. Also happy to help. schmunk
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Lottery winner..?
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Except that if one actually reads the article one soon realises that the £276k figure is total ballcocks sensationalist journalism. For a start, it includes £45k of employer pension contributions - do you include these when you calculate your income...? A further £60k related to work performed in the previous year! The remaining £170k is still very high for a headmaster, and perhaps requires further analysis, but is certainly not the £276k quoted...
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Yes - let's see what happens when the mortgage lenders make their valuation...
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I'll bet that there used to be a masthead amplifier in the loft and the previous tenant took it with them - this is what happened to me. ~£30-40 and perhaps 1/2 hour to fix it in. Check whether your freeview box / TV will provide 5v power up the aerial cable (my Humax recorder does) - if so you don't need to buy a separate power supply. It'll do wonders. Edit: I have a Vision C12554 from http://www.satcure.com/accs/page11c.htm. You will also need to ensure you buy F connectors and silicone grease (or ready-made cables).
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Remember that you are renting from the landlord, not his agent. You will have signed an agreement at the beginning of the tenancy, and this is what you should go by. However, if the cleaning items are on the agreement, and you feel they had not been done before YOU moved in, you should have raised that 5 years ago. It's a bit late now. The leaking roof is useful for any negotiations, but does not directly affect these items. I would suggest you demand to be present at the checkout, even if this means you have to agree a different mutually-convenient day.