kenny

Adds another 5-10k to new build housing costs. It is possible (probable) that as this has been dealt with via planning the building regs won't change. So the extra spent on these will be offset by reducing the insulation in the walls making the house less efficient overall than it is at present.

I've spent the day in shorts and flip flops in the garden. Been cracking, I love spring

It's ok, we have the bi-folds open all morning to let fresh air in. 🙄

It came on this morning. Fuming.

It depends on whether you believe our security services or not. But they report to foil more than 20 terror plots from Iran on UK soil each year. The houthis attack British shipping in the middle east. They have attacked British bases since the us started the conflict. Then there is the endless cyber attacks. Now it's all written down, I do understand your point a bit more and accept I have probably over reached in my statement.

I smiled at their ambassador threatening the UK. It's almost as if they actually believe they aren't attacking the UK constantly anyway and wouldn't at any point love to take the opportunity to launch missiles at us.

Show her the wardrobe with a fine range of jumpers for her to wear?

Ours has been off for a couple of weeks now. Won't be needed now until November, I find it odd with all the chat about heating costs that people still have it on. It's lovely out there

It's almost as though the Brexit vote wasn't properly honoured and we have remained geographically we we are isn't it? I would have gone for Britannia Major as our new continent name after the leave vote.

Exactly. Less tax to pay as well, essentially I just collect rent for the treasury.

Either way, removing a tenant will be much harder. Even in cases where the tenant is refusing to pay.

The lack of Prem fixtures really hampers rugby clubs. That and not enough Saturday afternoon kick offs.

The council advises all tenants to sit tight until their Section 21 is heard in court which takes over 18 months at present. S21 (no fault) is going and being replaced with S8 (with fault) evictions which are more costly to prove and will take more court time. Its a good time to exit the market no doubt.

The prices are no longer going up. We have been making a loss of around £500 a year, offset by increases of 3-5% in house prices. Now we would be better off with the equity being in a S&S ISA and getting 6-8% return, or a regular ISA of 3.4% entirely risk free.

Most landlords are on interest free mortgages as the rents aren't high enough for repayment. The risk is the tenant refuses to pay and the courts take 2 years to evict, or the tenant trashes the house and are impossible to pursue. We had a tenant start legal procedings as we didn't advise that the pub next door to the house might be noisy for example. Landlords that are mortgage free can still make money from property. So it works if you are in the upper echelons of wealthy.

We make a loss on ours and are in the process of getting rid. So yes it's free money with huge risk and you have to pay more than the profit in tax.

It is only that attitude that allows private landlords to be awful. Tenants are in the main, very knowledgeable and knowledgeable their rights. Any deviation from the regulations and they are wide open to a sizable claim which could be equal to the full amount of rent paid.

I don't but make sure it comes with building regulations approval as part of the quote.

The way the law is now, I'd suggest they ask to see the electrical safety certificates. Anything that's invalid and they are probably due a full refund on their rent.

Council houses and housing association houses are usually the worst condition properties I come across. Private rentals can't be too grim or people wouldn't rent them.

I do. As should all of those that heat their houses by whatever means.

It doesn't distinguish between stoves and open fires which are wildly different. I also doubt the US has strict clean air laws like we do. That being said, our hetas air filter is on when our burner is on.

I took my 4 year old to his first game for £1....

Great match, made up for yesterday

I do.