I never said you were misguided Jeremy!

Nor am I short-sighted. I am fully aware of the limitations and stress of claiming on other people’s insurance from their stupidity.

I think you are being rather short-sighted on this TJ, Insurance isn’t just to line to pockets of NWNF lawyers (though I agree they are sewer rats IME). Insurance is (generally) there to protect you from financial burden of unforseen incidents such as a white van man not checking his mirrors etc etc.

Why?

well, there are a lot of people who don’t know about CTC and other organisations. hell, a lot of people don’t think they need insurance for riding a bike (legally you don’t, I know). There are people who ride a bike that’s not worth insuring thus aren’t covered that way either.

I think that if insurance companies offered it as part of car ins then I think more people would be covered. Obviously there are people who ride for the reason they don’t have a car and I don’t know how to target those but for those who have a car and chose to ride to work, they should have an option on their car policy to cover when they aren’t using it.
I’m not saying I think it should be compulsory. it shouldn’t as this would be detrimental to uptake, much like compulsory helmet wearing.

3k?? what they painting: the cistine chapel?

there seems to be a big variation in prices 1.5-3k+. people aren’t putting what they ar getting for their money!

you could try admiral multi car policy too.

depends if your insurance allows it. mine’s fully comp and I can drive any other (insured) car on it but my partner who also has FC cannot.

it is also certainly cheaper to have a named driver on your policy, especially a female IME

what do you call a rabbit with a bent willy?

*cfouucgkh*’s funny

I like to listen to a bit of Ludwig Van’s 9th whilst terrorising a bunch of walkers with my droogs.

I got mine from my Nurse girlfriend.

the last 40th I went to the DJ played all the songs the kids wanted to hear and pretty much ended up a kids party. you can’t exactly preclude the kids as people won’t come but I would make it very clear to the DJ that he doesn’t get paid if he plays Hey Baby, Barbie Girl or other such gems!

Keep your planning officer sweet!

2k to install a fireplace lintel ???

1 day job with an RSJ, some acrow’s and strongboys.

£300 top side.

read:

it’s not just a matter of dropping a lintel in. all the bricks surrounding the fireplace are rotten from damp etc so there are no real foundations for the linten to rest on. The spec for the repairs include rebuilding the foundations of the fireplace and making it all ready for reciveing plaster.

I guess we are clutching at straws with pursuing this avenue and I agree that it’s impossible to tell what’s going on behind plaster without inspecting it. my main beef with the survey we had done was the fact that there was no destructive testing done nor was it requested by the surveyor (had they wanted to, permission would have been granted) but we assumed that they would at the very least, lift up the carpets if not make a few small holes in the plaster.

Don’t think you can blame the surveyor on this one. I think it’d be a bit more than harsh if there was no clues showing on outside or through plaster/decorations. Stuff gets done to old houses through the years, and you will find more as you do more jobs. If it was a possibility, but no evidence, then they’d have to write that in for every wall with a chimney, door or window opening or archway.

I guess that’s what I was expecting from the survey. the house is old and I know that things can become apparent regardless of what reports you have done but if I am paying for someone to preform what is, for all intents and purposes, a structural survey, it isn’t good enough that just because the plaster is intact and there is no outward signs of problems within that they assume it’s ok.

How bigs the fire place opening?? How far does each cheek project into the room? If the answer to the first is “not big” and the answer to the second at least “450” than I’d be inclined to not be all the worried!! Yes it needs doing but it ain’t gonna collapse!

you didn’t see the look on the SE’s face when he saw it! the opening of the fireplace is over 1m and isn’t protruding into the room as it’s build into the structure of the external wall.

2k sounds like a hell of a lot of money to drop a lintle in, especially if its not including decorating costs. I had a small external one done, including ‘making good’ for £300

it’s not just a matter of dropping a lintel in. all the bricks surrounding the fireplace are rotten from damp etc so there are no real foundations for the linten to rest on. The spec for the repairs include rebuilding the foundations of the fireplace and making it all ready for reciveing plaster. it actually looks like as soon as they remove the only bricks holding it up it will just go! quite scary really.

I’m more concerned that the builder (also a civil engineering contractor) mentioned that any surveyor worth his salt should have known this to be a real possibility.
I have taken solace in the fact that he said it wasn’t the worse he’d seen and that I was diligent enough to stop working on it when I did as some people just think that a stone build house can’t fall down!

They can’t put every construction technique used in the past in their report – if it looked ‘ok’ (ie. no external signs of a problem) then, tbh, it woudl probably have lasted another 50 years inany event.

quite possibly, but the fact is that according to the SE, on a property of this style, this could have be an issue even if there are no external signs and the Surveyor should have at the very least mentioned that we might encounter it but he didn’t. now we’ve exchanged we cannot go back to the vendor nor can we claim on the ins. if he’d highlighted it we’d have had a builder in immediately to assess it.

Just to add, according the SE, it’s only a matter of luck that the chimney hasn’t collapsed years ago as the full lintel looks to have been non-existent for a number of years!

On-one Inbred – sounds like they’re from Burnley

i’m from blackburn. I dislike anything from burnley!

tis all about the Poco Loco Burger. my mouth is watering now!!

Bazinga. Love it now though I was once a Big Bang hater but having watched after season one and understanding what it was about I now ‘get it’! Very funny.

could you not have found a better video than one that has screaming amreicans on it?

I concur

George W. Bush is actually a human.

Chuck Norris is my dad

white spirit (smells nicer than Meths IMO)!

there are worse comedy panel shows than shooting stars they could have axed. Mock the week being one!

clicky?

very funny.

I don’t think thats even a real Yeti is it?

+1 for senditnow. (actually parcelforce in disguise)

not really for the seller. more risk for a buyer. be thankful he’s willing to trust you!

you can re-list straight away, if you mutually agree not to complete the sale you will get your fees back!

you won’t get your listing fees back.

you can go feed the reindeers

recent developments:

http://www.bbc.co.uk/news/uk-politics-15733365

I am astonished that anyone could be that blind! gotta love the Youtube comments. some people really have no idea.

fair play to the driver of the Golf for sticking around. Although I couldn’t tell what she was saying I get the impression she was trying to plead ignorance to the fact that she needs some driver (think cyclist) awareness training!

catbells is probably the most accessible from keswick. Skiddaw is another though it’s a bit of a slog.

this article makes for interesting reading

http://www.bbc.co.uk/news/business-15462923

got it on DVD. very good film!

New Missus?

all of those devices are more for rehabilitation than actual strengthening of healthy muscles and tendons. I would just ride more