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Have seen so much negativity around the Vanguard fee change in FI groups. Really stupid. They won't make much money on accounts below 32k anyway and it will deter younger/newer people (potential high earners of the future) going and growing with them.
Assuming less than £32k in an ISA account and pay by DD, will it just auto change to £4?
I was also wondering about moving stuff out. do you have to sell everything and be out the market for a few days - potentially bad - and rebuy with new provider?
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anyone got a Fjern Gökotta 2 Tent?
https://www.sportpursuit.com/catalog/product/view/id/2679554Or an alpkit ordos 2
https://alpkit.com/products/ordos-2 -
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Anyone knowledgeable on carpets? Never bought a carpet before. Need to the entirety of my flat. Doing it all the same.
Really shouldn't do it until I sell it because bikes come inside, but I'll find a way to sort it and live with it.Narrowed it down to an offering from two different manufacturers. The sample packs don't seem super thick or particularly plush. Checking reviews online as we speak but don't suppose one of these is miles better than the other quality wise? Similar g'tees and both cleanable.
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On the tenant / landlord / house price discussion from after the budget ...
There are so many shit landlords. I think back to when I was at uni and afterwards, some absolute shitholes. Having a quick look on rightmove now - 7 bed basic student house 750 p month excluding bills in the south west. Link
there are grads where I work living in professional HMO house shares run by 'professional landlords' which are like 850/900. it is ridiculous
Where I live, the cost of renting is mad. 1.5 bed flat in a nice (but not the best) area of Bristol £1350.
People paying 6 months up front and viewings get fully booked the day the advert goes up
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I have got 2 trades lined up. One roofer for the coping stones (20% of total bill), one renderer (80% of total bill, incs the scaff).
They both seem, ace, have referenced them, have been patient enough to not walk away and have sat through 2 hours of my neighbour talk about his need for parking. render is still to send over his insurance though.
Going to invite his scaffolder over - good shout.
2 issues atm are 1) his parking 2) not being able to touch their roof. They suggested we scaffold from our buildings basement flat but that isn't going to work
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I have 3 bikes
-Singular Peregrine (gravel drop bars)
-Singular Osprey (road bike)
-Genesis CDF (drop bar commuter/tourer)I am 6ft4 ish with a 33" inside leg. All the bikes currently have 175mm cranks. Never had a fit, just the way it is. New group coming on the singular peregrine. Do I want 175 again or do I want to go shorter (170 / 172.5). I was all set on 170 as I found a clearance groupset but they've sent me 172.5 by accident
Edit - not sure if relevant but it has an Ebb
Cheers
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I am very jealous of @rogan who gets to see these 3 Biffy shows twice
First night at shepherd's Bush last night was special. No support, played for just under 2 hours all in. Won't forget that one for a while
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Not been on the thread for a while.
That looks like a good buy from a quick look on the train just now. I live nearby and in terms of price p sq m looks absolutely fine. Garage is worth 20k on its own or £150 ISH p month. You can accurately work out what a place like that is worse in the condition by looking at sold prices of comparables in the area. Checking out the lease is a good shout - try and get a sense of is it well run and is maintenance done proactively. Much better than a modern lease where you can be paying the developer £200+ per month for not very much at all.
In terms of the heating thing, heat pumps not my area of expertise but I think they need to be 5m away from a neighbouring bedroom?
On the cost of renovating it and so on, if it's not a forever or long term home, depending on your philosophy you probably don't want to spend more than you'll get at the end. I've probably broken even with my place but I'm saving / paying myself back £££ p month by not renting which I didn't really factor in. Bristol trades can be expensive too (though not all of them). Having family to help is a plus. Advantage of a project is can do stuff as and when.
Don't let needing to move out of your rental place be a significant factor in what is a huge purchase. Lots of rooms come up if you need somewhere to live short term, even in the Bristol shit show. Saw one on npcc discord a few days ago.
Edit - says sold so good luck if you got an offer accepted and do go speak to neighbours! How long have they been there is a good metric
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Bad day on the tubeless for me. Started with pouring fluid into a syringe without a cap on the end of it, in the bathroom.
Tan wall one I am advised could be tape, but first poc new rubber seal/washer thing.
Got a road wheelset which came tubeless without a removable valve corr. Valve also can't be screwed down like you would on an inner tube valve once pumping. No idea when they were last topped up.. do I break the seal, take some tyre off to proactively maintain them hmmm