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Messages - Shackeng

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31
General Discussion Area / Re: Investment question.
« on: 24 October 2018, 17:15:24 »
Yes, I think locally it is about 5% on BTL before tax. :y

32
General Discussion Area / Re: More candidates for culling
« on: 24 October 2018, 16:28:08 »
I think they'll cull themselves when let out. :y

33
General Car Chat / Re: Daughter's new car
« on: 23 October 2018, 19:20:25 »
Puff puff, I hope the dust has cleared.
Just an update, daughter still has the Scooby, and still loves it, has had no serious issues with it, and although she could afford a Ferrari if she wished, is waiting for a Scooby with a turbo. Apparently current ones haven't got one. :-\

34
Car Parts, bits For Sale & Wanted / Re: Couple of bits
« on: 23 October 2018, 19:14:10 »
Bosch Part number perhaps? :-\

35
General Discussion Area / Re: Investment question.
« on: 23 October 2018, 19:08:46 »
Past 50 a couple of years ago  :(
Our lass has cracked 60  ;)

I did a quick 10 mins research on ISA's earlier.

We will look into high interest accounts and see how it goes  :y

Thanks lads  :)

Ok. Next plan then. Does your wife work? If not, (or even if she does but earns bu99er all), she can pay up to £2880 p/a into a private pension and the govt will gross it up by 25% to £3600. Since she is 60+ she can then "cash it all in" again and take the whole lot out tax free, assuming her income is less than £9900 this tax year.

You can do the same providing you are 55 or older, and you earn £9900 or less.

So that's potentially 25% 'interest' on £5760 with a cast iron Govt guarantee, and you won't get anywhere close to that anywhere else. Rinse and repeat next year and the year after and the taxpayer will have given you and the mrs £4320 "interest" :D

I'm now joining the few people here investing, as Sky sale has now fully completed for me.

This spiked my interest, my wife does not work I support her and our 2 children with my salary. I "pay" her a sum each month for day to day stuff she needs to buy for the family, is this classed as an income?

How do these private pensions work, do you just contact them directly? I would be concerned about them going bust over 50 year life time to ensure money is protected?

I've looked at ISA's and they pay sod all in interest, to the point of why bother setting one up with such tiny amounts on offer.

Mate of mine lives up Norf near Darlington, I could easily get a buy-to-let out there, that would give a much better return.  :-\

This is an interesting point. When I was in the BTL market some 25 years ago, I could buy two properties for the price of one if I bought in the local large town instead of the village, yet the rents were barely 20% less. However, the property prices locally have risen far more than the town. So while I can't now report on percentages etc., my view would be, in our area anyway, for income, buy cheap houses (I researched and bought repos from insurance co's, who were glad to get shut) in the local towns where prices are lower but employment high, but for long term, buy in better areas with better prospect of capital gains. In short, research, research, research. :y

36
General Car Chat / Re: How can this be
« on: 20 October 2018, 17:22:48 »
Years ago a friend had a new Rover, the garage put number plates with DKX and BKX front and back. It wasn't picked up for a couple of years! :o

37
General Discussion Area / Re: TV LICENCE RENEWAL
« on: 20 October 2018, 15:26:25 »
Hmmm, I suppose I'm too late to set up a 'free' site offering to arrange car tax renewal for £16 per car :-\ ::) ::) ::)
I could call it "Car-tax-r-us" (Car tax is us  :-\ :-\ :-\)

38
Omega General Help / Re: My neighbour's wheel nuts
« on: 20 October 2018, 13:59:09 »
Sorry to make another post regarding locking wheel nuts, but my neighbour has got a puncture in one of his tyres and cannot find the Key to unlock the security wheel nut - his 2-year-old may be responsible!
Any suggestions as to how to undo the thing without major destruction, please?

Ron.

P.S. I want to help, because his wife is drop-dead gorgeous........

Has he tried a dealer?

39
Omega General Help / Re: My neighbour's wheel nuts
« on: 20 October 2018, 12:34:58 »
Sorry to make another post regarding locking wheel nuts, but my neighbour has got a puncture in one of his tyres and cannot find the Key to unlock the security wheel nut - his 2-year-old may be responsible!
Any suggestions as to how to undo the thing without major destruction, please?

Ron.

P.S. I want to help, because his wife is drop-dead gorgeous........

Pics please ::) ::) ::)

40
Omega General Help / Re: Why are Omega wheels so hard to balance?
« on: 18 October 2018, 19:39:28 »
Yes mate thatís what I thought!

Precision Welding said this is easy for them. £35 a wheel 👍

For balancing? :o :o :o :o :o :o :o :o

41
General Discussion Area / Re: Paddington 24
« on: 18 October 2018, 19:34:54 »
Doncha just love the thread drifts on this forum. :y :y :y

42
General Car Chat / Re: How stable is your Omega in the rain
« on: 18 October 2018, 19:32:56 »
It's worth remembering the aquaplaning formula; 9 x √P (P= tyre pressure), so for 36PSI your aquaplaning speed ~
54mph. :y
This will vary from tyre to tyre, but is a useful rough guide. :y
Does depth of water have any bearing on that equation? :-[

Depth of water vs depth/type of tread will clearly make a difference. If the tyre is able to disperse the water such that it is in firm contact with concrete/tarmac W.H.Y., it will not aquaplane so easily.
Dragslicks on 1" of water..... :-X
It is just a useful guide, such that if, for example, you know your tyres are down to minimums, you may expect to aquaplane at the appropriate speed in very heavy rain. HTH
It was not uncommon with A/C tyres, after landing in heavy rain, to discover the occasional patch of 'boiled' rubber on the tread. IIRC the Tristar tyre pressures were about 180psi giving an aquaplaning speed of 120 mph, while landing speed was about 140mph.:y

43
General Car Chat / Re: How stable is your Omega in the rain
« on: 18 October 2018, 15:40:12 »
It's worth remembering the aquaplaning formula; 9 x √P (P= tyre pressure), so for 36PSI your aquaplaning speed ~
54mph. :y
This will vary from tyre to tyre, but is a useful rough guide. :y

44
General Discussion Area / Re: Conservatory roof.
« on: 18 October 2018, 15:28:13 »
This is the first conservatory we've had , only been in the house for 7 weeks but at the moment we love it got cane type table & chairs & cane sofa & chairs eat meals out there listen to music etc. Guy at work was quoted £6000 to have a "proper" roof put on his declined the offer.

Cheers for that. I might get a quote just for a laugh. We do use it in the winter, particularly with dinner guests, but I'm just so mean I hate turning the heating on. Mind you, I get free electricity from my solar panels, so the underfloor costs very little, and a fan heater warms it very quickly. 8)

Get a radiator fitted thatís on main house feed, thatís what I did. Helps a lot.  :y
In the link Aaron posted, it says the heating system should be independent and separately controlled.  :-\

Yes, that is the main issue with mine as the -although very large - rads are at the end of a system which had already been extended, and which is why I put in the very efficient underfloor heating as well. It is quite easyfor me to keep it warm in winter, I just object to losing so much heat through the roof. However, I expect we will put up with it, as it is on the East end of the house, it only needs a little sun AM/early PM to be very comfortable. :y

45
General Discussion Area / Re: Conservatory roof.
« on: 18 October 2018, 10:40:17 »
Firstly, you cant fit a 'proper' roof as the structure is not able to take the associated loads.

Generally what appears to be done is that Celotex (or equivalent) is fitted to the under side using wooden battens and then plaster boarded over, some also then add a light weight roof covering (shingles or similar, I Have seen concrete tiles used but these would be way to heavy, even with Marley lights).

I do have some concerns with this as the upper side of the insulation will attract condensation and there is no ventilation in this part.

Either way, no matter what you do its going to be a compromise.

(I to hate conservatories, a plastic shed with lots of glass which still has to have an external door between it and the house its to big a compromise)
Presumably you mean on security grounds. I have to say that the doors into and out of ours are as equally as secure as our patio doors on the other end of the house, with all the current standard  triple locking etc.  :y

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