neil g

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Viewing 40 posts - 1 through 40 (of 1,501 total)
  • neil g
  • poolman
    Member
    Reply to: There’s a whiff in me kitchen, what am a gan do?

    I cleaned an undersink u bend recently, 2 years use, not v smelly but completely minging. Fats are a magnet for everything.

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    poolman
    Member
    Reply to: Criminals / Lock Smiths Of STW

    Upgrading locks is brilliant but don’t be lulled into a false sense of security. My neighbour had the best of everything, locks, cctv. Massive refurb clearly someone spotted something they liked, 1 month later smashed a rear window grabbed the target stuff and ran off.

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    poolman
    Member
    Reply to: B2L tax question

    Cgt is actually reducing the supply of available sales stock to first time buyers. Say a London landlord owned a few rentals for a few years so is sitting on big taxable cgt gains. He could sell and pay the cgt, or just let the rentals tick on, the tenants in situ cannot buy as the cgt is too much.

    So if cgt were waived for a sale to the in situ tenant it would be a win win.

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    poolman
    Member
    Reply to: B2L tax question

    Did you ever live in it, lettings relief is still valid but I think is being abolished this year. It was 40k.

    Don’t forget your buying nd selling costs, plus capital spend. To offset the gain.

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    poolman
    Member
    Reply to: Isle of Wight – just for sailor types!?

    I really like it over there, we used to go camping when we lived in London. With a bike it is pretty big, a car tiny. Some of those back roads and villages are beautiful. I went back a few years ago, on the advice here, did the old railway track and garlic farm. Looked up all the old places we visited 30 years ago, nothing had changed…just the prices.

    Best thing is you go for a day you feel like it’s been a week, I actually like the ferry journey and looking at the yatchs.

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    poolman
    Member
    Reply to: Road Cyling in land from Costa Blanca?

    I live in denia all the roadies head to castels and/or the col de rates climb, 60 mile round trip with various permutations. The circuit up to margarida and back via alcala is v popular. Again, c 60 miles there and back.

    Look up the vuelta route, it will all be freshly tarmaced.

    Good luck, watch out for las fallas fiestas in March if you don’t like that sort of thing.

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    poolman
    Member
    Reply to: Definition of swimming…..?

    Ok thanks, hate to put a downer on things but I think in 2019 there were c 120 drownings in Spain. A lot are heart attacks from sea swimming.

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    poolman
    Member
    Reply to: Definition of swimming…..?

    Tragic event, the filtration pump runs pretty much 24 7 on commercial pools, even if you turned off the outflows at the water surface level and all the water was pumping through the pool bottom it could not hold a person underwater.

    I hate to comment without knowing the facts but noone has mentioned cold water shock, if unheated a spanish pool would be mid to high teens degrees tops. If you jump in you would be in shock pretty quickly, add clothes, inexperience, no lifeguard.

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    poolman
    Member
    Reply to: Summer holidays abroad with 2 kids under 4

    Easy jet sun 19 Jul Gatwick to alicante returning sun 26th is c 100 per person, so 400 for 4, villa say 1200 pw, 1600, Skoda Fabia 200 pw so 1800 all in for 1 week, or c 3k for 2 weeks.

    Maybe Ryanair is cheaper, depends where you are flying from. Plus bags, seat reservations of course.

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    poolman
    Member
    Reply to: Folding bikes

    I would get a used brompton for c 550, yes 12kg for an m3, use it for a few years you should get 500 back. I paid 425 used for my 08 s3l, I reckon I would get 500 back now. Usual consumable parts like tyres, cables cost 100, pivot points were 100.

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    poolman
    Member
    Reply to: Bluetooth earbud recommendations.

    Can the 8 quid buyers post up results please, I am about to buy the jabra elites at 139. I too have gone through about 5 cheap wired headphones….cables last about a month tops. Cheers ton top post.

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    poolman
    Member
    Reply to: Sciatica – someone give me some good news please

    Ex sufferer here, I got it from poor posture in a desk job so fixed that. Then stretches, lay on back, raise knees, move knees sideways together. Keep going…

    Now it’s pilates all the way, wish I d known years ago. No reoccurance at all, just keeping active and mixing up gym, pool, classes.

    Good luck, I was in agony.

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    poolman
    Member
    Reply to: Barcelona advice

    The cafe in the santa caterina market is v good, it’s called jaume I think. The open one at one corner not the restaurant.

    Brompton store do free demos, book online.

    The park by arc de triomphe is nice, theres a spa alongside, right hand side if you at arc end facing the sea, that do day visits. On the other side behind the govt buildings is a park with big animal sculptures and a cafe.

    Re crime loads of dodgy people lurking about but less so if you avoid the touristy areas and look like a local.

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    poolman
    Member
    Reply to: Barcelona advice

    Just looked up your hotel you are walkable everywhere,5-10 mins to plaza Cataluña. Music palace and café lola is on road behind you, cut through little alley. Best coffee at nomad in alleyway by your hotel.

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    poolman
    Member
    Reply to: Barcelona advice

    Chocolate and churros at churreria laietana, on via laietana. 3.7 euros each, get the porras they are more like doughnuts.

    I walked behind the boqueria market to a gig at the Apollo, areas not that bad theres a massive police station and half the road is parked police cars. Maybe the crime has moved to parallel streets.

    Cafe on top floor el Corte ingles plaza Cataluña best viewing place. Cakes are 5e tho.

    Do the markets but avoid boqueria, full of tourists.

    Cafe at Palau musica catalana is fab. See if there’s any music on, beautiful inside.

    Cafe Lola nearby lovely.

    All the gaudi buildings.

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    poolman
    Member
    Reply to: Fatboy Slim – help from younger / hipper people please

    Have a brilliant night, I nearly went but did the slow readers concert last night. The peveril of the peak pub is a great escape from the Christmas crowds, gt bridgewater st. Enjoy

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    poolman
    Member
    Reply to: Care Homes

    Please do, it’s a horrible time for everyone and the care home is a business so need the money. I ll be slow to respond as travelling but no worries I will get back. Sorry for your situation btw.

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    poolman
    Member
    Reply to: Care Homes

    I was in this situation 3 years ago, if you re paying you choose the home. We saw some awful ones and chose one that best met the needs. You then have to pay, so look at income and all allowances, then the cost, to identify the income shortfall.

    Sadly the gap is open ended, it could be 1 month or 10 years. Some residents slot straight into care home life, usually ladies, men tend to give up. Clearly if the resident slots straight in then you could be looking at say 5 years, or 7…starts getting a bit frightening.

    As above you can pay by a deferred charge on the home, plus interest, all rolled up to pay on the asset sale.

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    poolman
    Member
    Reply to: Car scratched

    You need the services of someone who can get the name and address of the phone number holder. I had a claim off someone, I had the name and email address. I emailed the claim and radio silence,

    I then found out the address, full name and emailed a legal looking request for payment, with the note copied as an admission of guilt. Deadline of 3 days to cough up or i was going legal.

    She did. Tips to find out more details…social media, Google phone number, Google name, local camera footage, I quite enjoyed the search took me about 1 hour tops to find her.

    Good luck

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    poolman
    Member
    Reply to: Moving to Portugal, getting organised

    Seen so many people move to spain and return after c 5 years when they get ill, bored, skint, miss their families, do something stupid, just don’t cut your tie in UK. Those houses are empty and abandoned for a reason.

    There will be a 3% sdlt premia soon for non UK tax payers so just keep what you have. On a second home and the extra tax sdlt is running at c 10% so be prepared for a costly return

    Of course it may all work out and you will be happy in your new country, but you would be in the 5% of expats.

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    poolman
    Member
    Reply to: life insurance anyone?

    I cancelled mine when I paid off the mortgage. Depends on the widows rights of your pension, plus how much cash you are leaving.

    Some people take out life insurance to pay iht liabilities.

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    poolman
    Member
    Reply to: Nice, boutiquey hotels in London (London Bridge Station area or nearby)

    I would take a serviced apartment for that money, kitchen for cooking wins hands down. I stay in a few prem inns but find them soul less, you could be anywhere. For london i stay further out where there is a pool and gardens, i know its a treck in but I don’t have to go in every day.

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    poolman
    Member
    Reply to: Breakfast iin Edinburgh

    Ok that’s brilliant thanks, much appreciated. Is the waitress from valencia spain still there, I live near where she is from. Love di giorgio, had the full fat fry up last year, gosh I was full

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    poolman
    Member
    Reply to: Breakfast iin Edinburgh

    Thanks, is the French toast best with bacon or just on its own. I will be going for new year. Coffees there have 2 shots, I had 2 so 4 shots…caffeine rush for 2 hours after

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    poolman
    Member
    Reply to: Breakfast iin Edinburgh

    Biggest breakfast snob here, loudons is average. Di giorgio towards stockbridge is restaurant quality at c nice cafe prices. Eggs benedict is the best.

    Central…kilimanjaro on nicholson st opp uni is v good, bit hipsterish but they all are now. Word of mouth off Leith walk v good too.

    Water of Leith cafe is v good too, just opp do giorgio but I would do the latter first.

    Thnks all, got these off here.

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    poolman
    Member
    Reply to: Getting at my dad’s cash.

    All the utility bills I have in joint names so am authorised to query, pay, change things. Just phone them up and get the bill holder to authorise the extra name. They re quite used to it.

    We have poa s in place but not q ready to execute, if thats an appropriate word.

    Top tip is get organised, keep records of payments, cash left etc, not quite sure who will investigate but I m never more than 200 out of pocket.

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    poolman
    Member
    Reply to: Getting at my dad’s cash.

    We do everything in cash but keep records. Shopping is easy just keep receipts, cleaners well cash only I am afraid. Misc stuff receipt.

    I mark paid on every receipt if it was.

    Most fraud is within families so show off the system to any interested parties. We settle up every week.

    Worked so far no problems at all.

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    poolman
    Member
    Reply to: Learning a trade in your 30s – anyone done it? I need inspiration!

    I was your age when I quit my rather secure and well paid job. Never looked back, funnily enough I keep in touch with a few of my old workmates, who all quit to do way different things. I chap stayed, and is still there doing the same job, it’s our reference point and however bad my day is now, I know his is much worse every day.

    Top tip, stay focused on whatever you choose and keep a stash of cash as you are a bit vulnerable in your first few years. And expect the unexpected.

    Good luck btw.

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    poolman
    Member
    Reply to: Making a complaint against Doctors Surgery

    Are there not review sites for doctors, there are here in Spain. Yesterday i had an appointment with a specialist who must have been having a bad day, he was truly awful. I am going to write a bad review on the website, he is private so I can go where I want.

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    poolman
    Member
    Reply to: Contigo Byron travel mug……..never again.

    Well done, I just checked mine. Bought 2 in asda for 8 quid each in summer, both got the new design. It is easy to think you have closed it and have not fully, I spilt a whole flask of tea in my rucsac last week. Just push down fully.

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    poolman
    Member
    Reply to: tradesmen letting you down. **** ?

    A mate of mine set a business up, first venture as a tradesman. After 6 months he told me all he had to do was turn up on time, dressed appropriately and reasonably competent…he was getting 100% acceptance.

    Then he got a bit over confident, started taking the piss and charging way over the market.

    Turns out others had taken his place. Seen it happen so many times, you are only as good as your last job.

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    poolman
    Member
    Reply to: Persistent ringing in the ears.

    Yes another tinnitus sufferer here, just listen to r4 all day.

    If you tell the doc you only have it in 1 side you will be whisked off for an mri, it’s a sign of something much more serious.

    I ‘ve had mine for years, don’t even think about it now.

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    poolman
    Member
    Reply to: Any good educational podcasts?

    Desert island disk archives, some of the really old ones. Brilliant.

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    poolman
    Member
    Reply to: Commuting on the regents canal

    I once did Wembley to plaistow by canal, well as much as I could. Daytime, I was terrified most of the way you re a sitting duck, no pun intended, most of the way. Been some bad things happen all along the canal. At night, absolutely no chance.

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    poolman
    Member
    Reply to: Advice needed – joint liability on debt (council tax related)

    Make sure you get evidence as I had a tenant once who did not get the relevant certicate exempting him from ct. I am the landlord, the council sent me a bill about 5 years later, for a whole years ct.

    I managed to contact the past tenant via social media, he got the certicate from uni, showed the council, all solved.

    Council are not really bothered who pays, just that someone does. Funnily enough, if i phone the council now and check the tenant has paid up, they tell me they cannot discuss the issue due to data protection.

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    poolman
    Member
    Reply to: Anyone else slowly giving up on the news?

    Well you are lucky to have a vote. I pay tax in the UK but don’t have a vote as lived abroad for over 15 years, so don’t qualify for one. I also don’t have a vote in my country of residence, so feel a bit left out.

    ‘re news, I like c4 but take it all with a pinch of salt.

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    poolman
    Member
    Reply to: Buying back British state pension

    Yes I have a paper trail of letters confirming what qualifying years I have, they said x then y, then another letter saying the first letter was a mistake. I suspect the rules change and staff turnover.

    So i pay by cheque sent to hmrc for each gap year even if I am buying 3. Then I can prove i bought each one. Each year I get a paper statement confirming what years I have, how many gap years I can buy and the cost.

    Fin – I think I bought a part year once, they told me i could top up to buy a complete year so I did. All the other gap years were whole years tho. I do everything by phone and letter.

    ‘re payback I just calculated 3 years based on 700 cost and 160 full state pension.

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    poolman
    Member
    Reply to: Buying back British state pension

    Thanks that is really useful. I just have 2 left to buy, but my celebrations at buying my 30th year were a bit premature, it then went up to 35.

    Also, bear in mind the 160 pw is a target, you have to net off your contracted out years. Still a good investment as pointed out.

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    poolman
    Member
    Reply to: Buying back British state pension

    Actually, just to add, when the price goes up its only the qualifying years post price increase that are charged the higher amount. The old gaps can be bought at the rate prevailing at the time. So your old years will cost you c 600 to 700. Sorry I don’t know the actual costs i just pay it and forget all about it.

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    poolman
    Member
    Reply to: Buying back British state pension

    I have lived abroad for 20 years and pay ni voluntarily to max out my state pension. I think I have 35 qualifying years now so just 2 to go, or 33 out of 35 I cannot remember. However, I do think by the time I get there the state pension will be means tested, and as a non resident doubt I will qualify. But at c 700 per year now…i have started so I will finish.

    Canada freezes uk state pensions I believe, my uncle is a canadian resident and receives a whole 17 quid a month. You better mke sure you have other funds in place.

    You nailed it tho, I started at 300 pa, now its 700, or as you say more. If it were over a grand and I had 7 to buy I may not do it. Also, i have done it as i went along so did not really notice it.

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Viewing 40 posts - 1 through 40 (of 1,501 total)