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Digsby

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About Digsby

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  1. Digsby

    Bell End nightmare...

    I'm still laughing at this one: https://en.m.wikipedia.org/wiki/Gropecunt_Lane
  2. Digsby

    HTB house of horrors

    Yeah, well if you keep needing to raise the threshold, it kind of answers the question of whether the policy is increasing prices doesn't it?
  3. Digsby

    HTB house of horrors

    So has she never had it surveyed before? Odd, if I were buying a new build, the way I would expect it to work is that I don't hand any money over until I'm happy with what's being delivered. If people aren't being given the opportunity to have the house surveyed and demanding the problems are sorted before buying it then something must be done. If the opportunity is there but such people aren't taking it to save themselves a couple of hundred quid then it's their own stupid fault. I don't understand how a mortgage lender would even lend on an unfinished or (independently) uninspected house. Sounds to me like the builders are being allowed to get away with this. They really have this country by the balls.
  4. Are you certain about that? Transactions may be carried out in any currency you like, and HMRC say that any tax due is due at the rate of exchange at the time of the transaction at the rate either published by a national newspaper or the rates published by themselves. What if the rate is not published by either, and, us Bitcoin a currency? It was designed as a currency, it can be used like one, but it is not backed by anything like a central bank. I think it would not be inaccurate to say it is an asset with currency-like properties. What if I am a retailer and I decide to accept collectors stamps for my goods? Can I even do so, legally, and if so, how much VAT do I owe, or even charge? I don't think it's a cut and dry question.
  5. Oh, I voted September. In March, either the recent increase will need to be reversed or it will be too soon to know. The bank will not rush this and only make a change if it goes pear shaped.
  6. The only computer game inflation I'm seeing is shrinkflation, where you pay £20 for a game with 5 hours gameplay rather than £40 for one with 20. Mind you that could be because I'm looking at PSVR games at the moment which are inevitably short and involve more work to produce. Loving RE7 at the moment. But yeah the recent inflation report actually pinned much of the rise down to computer games. How anyone can say "the rate of inflation increased to x%, this was mainly due to rising prices of computer games an y" with a straight face is beyond me, but that's what I read. What freaking weighting do they give to it for it to have an impact on the headline figure, and how do they account for quality and gaming hours?
  7. Come off it, even the Guardian failed to manage any Brexit related negative spin on that. Employment was down, and so was unemployment, with real wages picking up, and vacancies at an all time high. Probably down to the retirement rate, pure demographics which is going to hit all time highs over the next 5 years or so as the baby boom passes through.
  8. As Wayward says, Portillo has been fiercely critical and calling for lower prices for a while, at least 5 if not for 10 years now.
  9. I'm here, btw, if you need any advice.
  10. Oh, and fuuuck. I've exchanged contracts.
  11. It's lovely. It's about 15 years old I think. I've had it for 8 and looked after it. 57ft long, 10.5ft wide. Single berth (double bed), designed for spacious living for single person or couple. Much of the space is given over for a large lounge area, lounge and galley together account for around half the length of the boat, with cassette toilet and bath with shower over in the middle. Traditional layout (meaning bedroom at the stern). Lined in oak faced ply, with lots of solid oak features. 5kw multifuel stove, plus 5kw diesel central heating and hot water. Four radiators, one in bedroom, two in lounge, and a towel rail in bathroom. 1.6kw inverter running on 600aH battery bank (probably 80% through their lifetime) plus Electrolux Travel Power (that's 240VAC direct from engine which we use for the washing machine and other high power devices). Cruiser stern with canopy, both fore and aft with mahogany cratch to fore. 510W of solar panels on top, though there is a hot spot which could be costing 20-30% of that, only a couple of hundred pounds to replace. Mains driven battery charger, which runs off the Travel Power pack. Engine is Isuzu, 47hp I think, recently had head gasket replaced, generally runs like a dream and has been well looked after. The entire exterior has been painted in the last couple years. As far as boats go, it's luxury. There's the issue if the cassette toilet, which is a point if contention among boat dwellers (depending on where you are moored, it's a trade-off between having the freedom of emptying when you need to, but much more regularly, against the risk of not being able to move the boat when you are full, but rarer). Installing a waste tank would be easy enough though. It has its problems as all boats do, but I'd take any buyer through those and be up front about the things you need to pay attention to, it's a boat I'm very familiar with. It'd be a case of "keep an eye on this, check that every x months". I'm told I should be marketing to certain people at £120k, at £100k I'd be happy enough, to the right person for a quick sale I'd consider £90k. I've promised one person I wouldn't sell without notifying them, not first refusal as such, but an informal agreement that I'd not sell before giving them an opportunity to bid higher. Happy to give you or anyone else interested a tour, we're in the south east near Bristol, just PM me and we can arrange a visit.
  12. Heh, ta. It's not that bad, but being in a position to enjoy some of life's simpler pleasures is a luxury and I feel kinda privileged to be able to look forward to in a strange sense. The edge of potentially buying at the top of the market is offset somewhat by the prospect of not having to empty my effluent down a drain after wheelbarrowing it through two inches of mud twice a week. Summers are great though, honestly!
  13. Thank you, it means something to me. Could you tell I was I bit drunk? I've been avoiding your reply expecting to get slated a bit. It does all depend on personal circumstances and requirements. I need to buy now, for my own sanity as much as anything else but for so many other reasons too, and I've found they add up to a greater consideration than the question of whether I'm buying at or near the top, and I'm surprisingly calm and excited about it. Mine is not a typical situation though, it's not a simple bear capitulation. I've lived (and worked, as a home worker) on a boat for eight years, so it's a move onto land as much as a move to owner occupiership (as I own my boat it's not even that, it's a move from being an owner to a mortgager). While I'll miss the sense of freedom that being able to move somewhere without packing all your belongings into a removal van gives, that freedom gives a sense of transience that I think surpasses that of the house renter, partly because your neighbours have the same freedom to move away at a whim - whilst the ad-hoc communities that form are strong and close knit, they are always temporary. It's a different kind of transience. Then there are the practical hardships, which are a welcome distraction from the more superficial aspects of life: having to bring fuel for your source of heat and power on board and dispose of your waste is satisfying - like making a camp fire is - but over time the novelty wears off and it becomes a grind. Now, the idea of having all the heat and power I need without needing to worry about the level of the diesel tank, or without having to chop wood out in the cold or shunt bags of coal around is a novelty. It's only a matter of weeks now before I wouldn't leave home without a pair of wellies and a strong torch because getting out or back inevitably means sliding through mud in the dark. The prospect of being able to go out without worrying about that is immensely exciting to me, and even silly things others take for granted like not having to go out for dinner because there is a freezer full of food at home is a luxury to me. Don't get me wrong, life on a boat is brilliant and I wouldn't change the time I've spent living this way. The seasons become so much more important and that gives you an amazing sense of the passage of time, but it'd take a special person to spend more than eight years and still not miss the time when winter meant little more than having to wear an extra layer or two when you step out of the front door! So this purchase is a total lifestyle change for me. Having my own office with a proper desk and chair not sitting on the same sofa I will eat my dinner on and spend my evening sitting on. Not having the boot of the car full of recycling and bags of smelly rubbish to drop off at the waste disposal point. Being able to wear shoes in the winter to go out. Having a shop or a restaurant within walking distance.
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