A tax return would only be needed when the house was sold

So don’t move then. Better to just tax on death – is there a tax for that?

Not sure many people with higher value properties would want to move much with CGT to pay. Stamp duty is bad enough.

Hmmm, should I spend all my money on bikes and holidays or stay home and save up so the state don’t have to pay me a means tested pension?

Well we don’t know what’s going to happen, safest way to deal with things is not to keep your eggs in one thing. State pension ain’t great even now, maybe it’ll be the poor house for poor oldies one day? Those with better provisions won’t have to work for quite so long that’s for sure.

Looks like pensions won’t change much now, and what we have is fair though perhaps scrap the 25% tax free withdrawal? Perhaps that encourages people to put money in though? ISAs encourage saving too. I suppose the emphasis now is to make it attractive for people to save for the future and that eventually pensions will be means tested so only the poorest will get a decent amount – not fair perhaps but what is fair?

Not sure that’s true as when I bought my house the council tax went up due to extensions the previous owners had done which pushed it up a band. Was told they only make adjustments when the house has a new owner – which seems odd to really and annoying as I wasn’t expecting that.

He was right. If I remember it correctly there was a way to get a wrong result. This was either in the early 90s or late 80s

Was a young lady and 2001. There was that Pentium CPU that got its sums wrong in the 90s I suppose….

@sum

I worked with a trainee accountant who used a calculator to sum up numbers when using Excel. Didn’t trust it.

Well someone had to…

Demand and supply – no-one wants the island. If I lived in the village would I buy it just for fun? What to do with it? Some sort of base for launching evil upon the world?

I only by Castelli these days – or so I thought until I popped into Aldi a few months back and saw a soft shell jacket for £30 that looked fanstastic. Decided I could cope with wearing it when on my own road rides in the winter to save my nice gear for when others might see me. It really is very good though fit for my lean physique not so good – maybe I should have got a smaller size but sold out.

Doubt I’d buy much else from them though for cycling.

As part of the process they will pay for a solicitor to help her. A suitable compromise agreement should be arrived at and hopefully good payout.

I love the dead before they’re cold
They’re bluing flesh for me to hold

How good are the 33s? I use Kef 104/2s from the 80s which are quite big but fortunately don’t bother the wife.

I tried some Celestion Ditton 44s in the early 90s which I found in a 2nd hand store, paid £30. Thought they sounded a bit coloured compared to the Linn speakers I had at the time so tried to sell them to a 2nd hand Hi-Fi place but they weren’t interested so took them back to where I found them.

I see on Ebay these things go for decent money considering their age.

Most annoying one for me was a house I wanted to buy where the owner was storing silly amounts of furniture for a friend so taking up most of the floor space. As far as I could see all was fine and got the survey done – then the owner decided she couldn’t afford anywhere big enough for all the furniture she was storing so pulled out of the sale. Bit odd really.

An estage agent I knew once found a man who’d hung himself whilst showing people around – managed to get out without them seeing though.

Then there’s various rubber items that are revealed when opening up fitted wardrobes.

Signet rings are worn on left little finger by right handed people as was used when sealing with wax. Presumably the lower classes didn’t do much in the way of sealing so doesn’t apply to them. I was given a signet ring with family crest for my 18th birthday, lost unfortunately so no more sealing for me.

UK Mail and DPD both texted me requesting instructions for delivery so seemingly good. UK Mail delivered on the day I requested but DPD driver didn’t know I’d requested to deliver to a neighbour 2 doors down, he rang me so all good – though initially he was reluctant to walk so far – 15kg parcel so not that bad.

So just how satisfied are the respective customers of these ERP giants? Oracle enjoyed the highest satisfaction rate by far—at 80 percent!—followed by SAP (39 percent) and Microsoft Dynamics (33 percent), according to the report.

from http://www.asugnews.com/article/who-wins-sap-oracle-and-microsoft-erp-software-comparison

The Oracle project I know about that struggled used too many offshore resources, seems to be the way now as reduces costs so much. Most regret the pain in the end!

I blame the dog when ever i fart.

I used to blame my son when he was a toddler. Trouble is I kept it going on for too long and he learnt from me – so now he blames me for his.

Should have gone for Oracle E-business Suite.

Well I’ve worked on implementation projects for 20 years and all gone well. Seems European companies often prefer to go for SAP and US ones Oracle.

Never felt the need to use talc on my naked body or my son’s, what’s the point – from a marketing POV anyway?

I seem to have got into a can a day habit whilst at the office, so 4 a week. I do a fair amount of exercise and don’t buy sweets so figure ok.

Need a method to flag old people as unsafe – 3 strikes and you’re out?

Naim CD/amps with nice Kef speakers. Listening to poorly reproduced music is like looking at photos of paintings. 😉

Naim, I personally have yet to hear anything by them that sounds remotely worth the money.

Fantastic business model they have then!

From the Zappa song, info here:

https://en.wikipedia.org/wiki/Shark_episode

I used to love Posh Banger Boys in Borough Market when I worked that way.

Peak was 2000 and wouldn’t be looking at a profit – FTSE is well below now too.

Nothing wrong with buying shares but unit trusts are safer for those who don’t want to spend so much time managing their investments and better for smaller amounts too. Not sure I’d be putting money in now though – it’s all a bit volatile at the moment. Still, I’m not selling up either.

My Dad is a pretty gently sort of a guy but thinks that ‘sh*t’ is a not a swear word – seemingly because he was brought up on a farm. So I wasn’t impressed when I got into trouble for using it at school.

My son has heard me swear, seems to realise it’s not to be used in normal conversation.

A lot of people do that sort of thing though. When I was working in London my commute from Surrey included 1 hour train ride inc the usual delays; was OKish when I worked near Waterloo but a struggle when I had to add a tube ride to get to Kings Cross.

There is a big “protect the greenbelt” sentiment around here

Yeah – lots of opposition to building in some of the villages too – in Effingham there’s a plan to build a new school on scrub land and use the old site for housing but not wanted by locals. Ugly land can go I suppose but the developers want the fields by the nice villages.

Build more houses – just not on the Green Belt please 🙂

enbern – how about looking south towards Crawley, a lot cheaper down there.

they have paid all their working life into a system thats geared to give them the absolute minimum if anything back because the government spent it all.

Unfortunately they mostly didn’t pay in anything like enough because the government didn’t react to the increasing life expectancy.

It’s not being selfish, it’s capitalising on a good opportunity for myself.

Well the last crash was caused by the banking crisis – fancy going through that again? Maybe we will soon.

Be careful what you wish for.

I was brought up in nice part of Cobham, towards where the Chelsea training ground is now, and now live in Bookham which feels like a suburb of Leatherhead. My guess of what my house is worth does fit in with that calculator – which is about 10% less than what Zoopla/Mouseprice say. I have noticed houses around the million mark struggling to sell locally but also friends looking for places half that price were seeing prices rise quite quickly earlier last year so maybe there’s some sort of price issue there – a lot more people chasing the cheaper places?

Now working on a long-term project near Cheltenham and would love to move here as like the Cotswolds and there are some lovely places to buy here, but stamp duty stops me. It would be OK if I knew it was a permanent move but that is unlikely really so I have to carry on with my weekly commute.

Lovely village location, detached cottage, 4-acres of land with stables, a river bordering one side of the property with fishing rights and some of the best MTBing in the UK on the doorstep….i’m almost embarrassed to say how much it was….250k.

Many of us in the SE could retire by moving to somewhere like that. Not sure what’s stopping me!

I’m glad they sensible enough to ignore all the haters. Great bloke.