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Messages - Kevin Wood

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196
Also @ TB you bought considerably earlier than I did, I only bought when I was 27.  :)
But you still lost in the Smugness battle ;D


Bought my first at 21, when interest rates were well into double figures. Its all swings and roundabouts.


In reality, mine was paid off years ago, I only keep it running because it pisses Barclays off - I have a 125k guaranteed loan at about 1.4% in I want it, that under new rules, they have to show on their books :D
I appreciate the sentiment, my opinion of Lloyd's is broadly similar, but to keep a mortgage hanging around is madness.

Get it paid off and get your mortgage payment invested in something like, I don't know, retirement ::)

If the money were in a decent pension, though, its growth would outstrip the 1.4% by a country mile and get there tax free, so in reality the opposite is best.

197
You also have to consider that private landlords have been targeted via the taxman whenever the government has wanted to raise some cash recently. That's only going to come out of the pockets of their tenants.

198
General Discussion Area / Re: John Lewis ad
« on: 11 September 2018, 10:55:44 »
I would put Come on Eileen Dexys Midnight Runners way in front of those.

Mrs. KW had one stipulation to the DJ at our wedding.

"If you play "come on Eileen", your electrical supply will be immediately disconnected.

As it happens, his electrical supply was immediately disconnected, but not because he played that particular track. It was because my dad (Beng Hons ACGI FIET) was playing about with a dodgy set of fairy lights during the disco. ::)

199
General Car Chat / Re: Clear pass.....
« on: 11 September 2018, 10:49:29 »
Well done. I thought an EML was a fail with the new MOT rules.

Which reminds me... New post-cat Lambda sensor required here. :(

200
I bought my flat in London not long after starting with Sky, best thing I've ever done. My mortgage payments, were less than equivalent rent by a considerable amount.

I now have 4 bed detached place in Surrey, less than 18 years to go, sub 1k payments and it currently represents ~35% of the value of the house.

If I don't extend the term to move for next house, which is possible on some options out there, I'll be mortgage free before I'm 52.  8)
If its a smugness competition, I might win ;)
Ditto. ;)

201
General Car Chat / Re: Some rental car
« on: 10 September 2018, 19:00:10 »
Stale piss aside,the X350 is one of the best looking Jags imo :y


It's a poor pastiche of the trendsetting series1 XJ6 from 30 years earlier, a sure sign of a company that had lost its nerve.

A very nice drive, though - in 4.2 Supercharged form, at any rate. :y

202
General Discussion Area / Re: Selecting home network hardware
« on: 10 September 2018, 17:47:23 »
.. of course, in 5 years time we'll probably all be kicking ourselves for not wiring up our houses with fibre. ::)
I think 10Gbps cat6 will future proof us for the next 10-5yrs.  I don't think the 100Gbps cards are coming down to a sensible price soon, nor are 100Gbps linecards for routers, that are still a smidgen over $1m (list) per card.
Just a tad over budget for my understairs cupboard at the moment, then. ::)

203
General Car Chat / Re: Some rental car
« on: 10 September 2018, 17:45:05 »
Yes I've seen XJ L and it seemed to occupy about one and a half car parking spaces on length alone :D Rather put off modern Jags[XF onwards]because of their-to me-overly gimmicky interiors-pop up rotary gear selector self opening/closing air vents etc-but at least their screen things are better integrated into the fascia better than BMW,Mercedes,Ford and so on where they look like some king of chav add on!

On the other hand, at least they appear to have ditched the awful "Hyacinth Bucket" mock tudor Rover 75 look of the S type. :y
And the smell of wee from the previous XJs over the last 40yrs.
Yes, you can sometimes detect it although it's normally masked by the smell of stale cigar smoke, brandy and sheepskin jackets.

204
General Car Chat / Re: waiting for AA recovery
« on: 10 September 2018, 17:43:25 »
Apparently Jimbob is selling a Zafira ;D
"One careful non-smokingflatulent owner" ;D
Honest, guv. :y

205
General Discussion Area / Re: Is two enough?
« on: 10 September 2018, 15:58:43 »
Lifetime ban by virtue of him having become toxic with a bit of luck, then.

206
I think I still owe them a little over 3k .. really must pay that at some point!
You know it'll be the one dipped into adhesive and then ground carborundum next if you don't. :o

207
If your daughter was really serious about a deposit, Albs, she would have been slumming it and not paying over two grand a month in rent. I realise, in her position, she couldn't have lived in a dive (friends round and all that) but with her being in banking, surely everyone would have seen the financial sense in it.

Living where she is, paying what she is on rent.. one assumes her income is well into six figures, so slumming it shouldn't be necessary..

Not "well into", but "just into".  ;)

I'm sure she enjoys the annual HMRC lube-free visit, then...

Didn't realise they did any other kind of visit, TBH.  :(

Oh, I tell a lie. They did helpfully send me a cheque this year to return my payment on account... After I specifically informed them that I was paying them both in January, as the amount wasn't large. I'm guessing they thought (as I did) that I'd then forget to make the 2nd payment. Ha! Nice try, suckers. Truth be told, I nearly did, but only nearly. Better luck next year.  :P

208
General Discussion Area / Re: router reinstalling advice pls
« on: 10 September 2018, 15:44:55 »
Mmm. Curried Goat for tea, then. ;)

It might be worth having a look at the configuration web interface of the device you have. Often the installation software does the bare minimum to get it working but in the web interface you can set all sorts of other things.

209
General Discussion Area / Re: router reinstalling advice pls
« on: 10 September 2018, 13:56:18 »
I'm not familiar with the device you have, but sometimes they can be configured into different modes - Access Point, Repeater, bridge, etc.

Failing that, something like this is all you need (no experience of the actual device shown):

https://www.novatech.co.uk/products/tp-link-tl-wa801nd-300mbps-wireless-n-access-point/tl-wa801nd.html

210
General Discussion Area / Re: Selecting home network hardware
« on: 10 September 2018, 12:29:26 »
Given that the place currently receives a mighty 5mbps broadband, I think cat6 will be enough future proofing for a while!  ;D

True, if access the the internet is your main requirement, but, as mentioned, you might want a bigger pipe to access stuff on a home server.

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