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I have a question Volume 52 - Dynamic Dave

******* Thread now closed, please see volume 53 ********

www.honestjohn.co.uk/forum/post/index.htm?t=25142


In this thread you may ask any question for which you need help, advice, suggestions or whatever.

It does not need to be motoring related. In fact, in this thread it should not be.

No Questions About PC\'s. They now go in another Thread.
No politics
No Speeding, speed cameras, traffic calming
No arguments or slanging matches
Nothing which I think is not following the spirit of the thread
Nothing that risks the future of this site (please see the small print for details www.honestjohn.co.uk/credits/index.htm )

Any of the above will be deleted. If the thread becomes difficult to maintain it will simply be removed.

However, as has been said a couple of times, there is a wealth of knowledge in here, much of which is not motoring related, but most of which is useful.

This is Volume 52. Previous Volumes will not be deleted,

A list of previous volumes can be found here:-
www.honestjohn.co.uk/forum/post/index.htm?t=18847


PLEASE NOTE:

When posting a NEW question, please \"Reply to\" the first message in this thread, i.e. this one. This keeps each question in it\'s own separate segment and stops each new question from getting mixed up in amongst existing questions. Also please remember to change the subject header.



DD. - BR Moderator
mailto:moderators@honestjohn.co.uk
Online Tax Returns - Robin Reliant
After putting it off for as long as I can, the time has come to fill in the dreaded Tax Return. Looking through the form has given me an attack of dyslexia, and my brain (Windows 52 edition) just shuts down when it tries to process the incomprehensible garbage therein.

Does anyone file online, and is it successful and easy to do? My experience of govenment websites (DSA) suggests not, but is the Inland Rev any better?

Help needed before I am forced to employ an accountant.
Online Tax Returns - Dulwich Estate
What put me off using the online method is that it's not instant. You apply on line and they post you a password before you can start.

Reports I've picked up are that it can crash and is pretty darned useless. That's enough bad news for me - as ever I'll be doing mine on 28th September and hoping Royal Mail does its stuff by 30th.

I always phone my tax office a couple of days later to get verbal confirmation of delivery.
Online Tax Returns - Cardew
DE,
Like you I fill mine in manually. However I had to put in TBN(to be notified) in one section. I rang a month later and was told that the return had probably arrived but was still not yet booked in.

C
Online Tax Returns - hxj

Filing online is dead easy, although registering is a complete pain! You need to register then wait for bits of paper to be sent then and only then can you start.

Makes all the arithmetic easy and also points out where you went wrong. No need to employ an accountant at all.
Online Tax Returns - SjB {P}
The need to wait for userid and password aside (unless you want another wait for Postman Pat, don't lose either, as you'll need the same again next year), I find it an excellent service.

I've used it each year since it was first available, and found this year's the best yet. Within the scope allowed (no directorships for example) it's as quick, easy, and painless as filling in a tax return ever can be. I've had no software crashes, it's easy to navigate back to any given step at a later date, and after independent checking on two occasions, the result was accurate.

For information, having made my return, I received confirmation of my tax overpayment within three days, both last year and this. Last year I then received the cheque after another three working days, so hopefully this years'll arrive soon, too!

Also for information, within two days of filing my return this year, I received a note saying that the IR are moving away from Tax Returns where benefits year-on-year tend to be of the same type, and are instead implementing a policy of assumed tax correctness unless you shout or circumstances change. Given that I have no idea of knowing whether my tax is correct without something akin to the on line return, I hope that a tool will continue to be available to me.
Online Tax Returns - Robin Reliant
Thanks for those opinions. I have actually registered now and am awaiting my pin number. One immediate advantage is that it now gives me until Jan 31st till I have to file my returns, which was going to be a bit tight with a Sept deadline as my accounts are in their usual state, ie complete chaos.

How the hell anybody fills in those forms without a mental breakdown is beyond me. I much prefered when you could just fill in your name and attach your own computations, with notes in the margin to clarify why you did this that or the other.
Online Tax Returns - Mapmaker
I tried e-filing in the first year you could (5/6 years ago?) - it offered you £10 off your tax bill. After an hour and a half, I gave up - and filled in the paper form (3 minutes for somebody with a job & a bit of bank interest).

I'm told it's much better these days & some of my colleagues love it for their own use.
Online Tax Returns - PoloGirl
Arrrgh... anyone know where I can get another form from? This had completely slipped my mind and I don't think I'm going to have time to get everything together by the end of September.

Also, I've had to do a tax return every year for the last three years because of being a student, working part time and freelance. Shouldn't really complain as I've had some lovely rebates, but will they leave me alone once I'm in full time employment or am I destined to have to do this every year forever?

Thanks!
Online Tax Returns - Robin Reliant
PG,

You need to phone the Inland Revenue Orderline, 08456 055 999 and they will send a new form within seven days. Or so they say.
Online Tax Returns - Mapmaker
Once you're in full time employment and your tax return for a couple of years shows nothing more interesting than a bit of (already taxed) bank interest & your income, they will get bored and stop sending you forms... until you become a higher rate taxpayer.

Don't worry if you don't get it submitted by the end of September. If you're anticipating a rebate it *may* mean that it comes more slowly, but it will still come. And they will still calculate the tax for you - they just don't guarantee to do it by 31 January.

Finally, you can print the tax return form off their website. www.inlandrevenue.gov.uk/forms/sa100.pdf Don't worry if you don't print it in colour - black & white will be fine!

If you need supplementary pages, they are all here: www.inlandrevenue.gov.uk/individuals/fgcat-individ...l
Online Tax Returns - PoloGirl
Awww....my Backroom "dads" come to the rescue again!

Thanks!

Online Tax Returns - Mapmaker
Crumbs, PG, there's no way I could have sired you! I like to think of you as the communal BR sister-cum-gf!

(But then Volvoman I discovered in an old thread claims to be 44.... I had him down for 60+ at least! - sorry, V-man!)
Online Tax Returns - volvoman
Well, well, well, whatever gave you the idea I was 60+ Mapmaker ? I don't think even my wife (who's still in her 20's BTW) would've said 'yes'* if I'd been as ancient as that !

Funny the impressions given when contact is only through the ether eh :)


* sincere apologies to anyone here who's 60+ and yes I know I'll probably get there myself someday :(
Online Tax Returns - BazzaBear {P}
Well, well, well, whatever gave you the idea I was
60+ Mapmaker ?


Probably the 'Volvo' part of 'Volvoman' ;) *



*As someone who owned a Volvo at the age of 19, this is definitely t-i-c!
Light Aircraft - frostbite
I get quite a lot of aircraft in the vicinity of my house and noticed that most of the light aircraft, normally not below 500ft, are every bit as loud as the passenger jets at 1500+ft.

Which made me wonder - do light aircraft usually not have silencers, even very basic ones?

Not complaining, just curious.
Light Aircraft - Mapmaker
Or is this just an application of the inverse square law - that where two objects at a different distance sound equally loud, the one that is three times as far away is 9 times louder than the closer one.

Light Aircraft - GrumpyOldGit
I'm fairly sure that they don't, and it's a question that nags me as well, why don't they have a silncer?

We're fairly close to 2 very busy private fields and the noise at weekends can be terrible.
Old European currency - Vin {P}
I've just been handed some "labels" by my 2yo son, and found that they are a hundred quid or so's worth of Deutschmarks.

Anyone know whether I can still exchange them anywhere for a reasonable fee?

V
Old European currency - GrumpyOldGit
The Bundesbank will still exchange them.

www.bundesbank.de/bargeld/bargeld_faq_banknotendm....2
Old European currency - Vin {P}
Thanks; done and on its way.

V
Grown up, homebuying question... - PoloGirl
Does anyone know where I can read more about Key Worker and Shared Ownership schemes, in plain english for someone who is totally freaked out by the prospect of home owning?

More specifically, if you qualify for preferential price/shared ownership on a property by virtue of being a key worker, and subsequently change your job and are no longer a key worker, what happens?

Thanks!

Grown up, homebuying question... - Dalglish
Does anyone know where I can read more about Key Worker and
Shared Ownership schemes, ....
...... your job and are no longer a key worker, what happens?


google-uk has the answers.

is "key-worker" a pc term for "low-paid state sector employee" ?

or does it mean that everyone else who is in a non-key worker is a useless private-sector layabout fatcat scrounger only fit to be squeezed for taxes?

Grown up, homebuying question... - Altea Ego
PG - you dont want to be a Key Worker. Key Worker is Government speak for "public service employees who we pay so little that they cant afford rent or houses in the places we want them to work"

You didnt go to university to become a "key worker"
Grown up, homebuying question... - Mapmaker
>>You didnt go to university to become a "key worker"

More over, RF & I didn't pay your university fees in order for you to become a key worker...
Grown up, homebuying question... - No Do$h
>>You didnt go to university to become a "key worker"
More over, RF & I didn't pay your university fees in
order for you to become a key worker...


I'd like to say I also paid a part in your educational costs, but what with IR35 (and my well documented reasons for not falling foul of it), IT purchases for a new-start business, allowable travel expenses and sundry entertaining costs, I didn't pay a huge amount of tax last year.

Sadly Gordon cottoned on to this and introduced new legislation on dividend taxation for owner-managed companies in the last budget. :o(

Oh, and no, I have no clue where you will find details. I suspect it's still in the "Oh dear, did we really promise that at the last election?" stages.
Grown up, homebuying question... - Dalglish
Oh, and no, I have no clue where you will find details.

>>

well ok then, i will tell pg.
it is on the two-jags web site (odpm = office of deputy pm)

so the answer to pg's question is at:
www.odpm.gov.uk/stellent/groups/odpm_control/docum...3

and

www.odpm.gov.uk/stellent/groups/odpm_housing/docum...f


p.s. :
i echo the advice given above re avoiding jobs in the key-worker category. (but then what will the 50% of population who will all be graduates do ? ).

the best non-key job to aim for is financial advisor, particularly specialising in mortgage loans to key-workers.

remember that food, water, power/fuel, housing/shelter are all non-essentials and so jobs in those sectors won't get you key-worker benefits.

Grown up, homebuying question... - Mapmaker
sundry entertaining costs aren't normally tax deductible expenses
Grown up, homebuying question... - Mapmaker
But what you should be doing to extract those profits from your business tax free is running a MkII Jag through your company. As these generally have a market value of under 15k (auction price, less selling costs will do nicely), you are still taxed on the original list price - £500 or whatever. Bargain. And have you thought about putting the wife's pickup through your company? You get the tax relief in your company; the benefit in kind on you including all fuel should be £500 p.a.

uni fees - lubbin
"More over, RF & I didn't pay your university fees in order for you to become a key worker..."

I'm in danger of sounding like a psycho here but I am SO fed up of reiterating the fact to ignorant people that the taxpayer DOES NOT pay the majority of student fees. The student personally must pay £1,075 per year (which rises by £25 every year), on top of all the other costs incurred in following the government's desire that the majority of school leavers continue into higher education. In order to become a top notch teacher and educate your children at secondary school so they can go on to uni (where you WILL have to pay their fees and you will realise how little the taxpayer/government helps you out)I have had to find approx. £4275 in fees alone.

Payment of fees is means tested, so the only student fees the taxpayer contributes to are for those students who come from poorer families - the students who otherwise would not have the opportunity to further their education. Just think, you might be helping them out at uni but if you didn't, you would be paying for their kids/tax/fags/home for the rest of their and their children's lives.
uni fees - PoloGirl
Lubbin...chill :)

The comment about taxes paying for university *is* annoying, but the truth is (and I'm surprised you don't know) that it costs a hell of a lot more than £1025 a year to educate an undergraduate. The actual amount is closer to what the international students pay (around £6000 a year), as their fees are not subsidised by the government. So yes, other people's taxes do pay your fees, but you will pay enough tax to more than cancel that "debt" when you qualify.

And don't get me started on the means testing which means that the students from the poorest hones can go out drinking every night while the kids whose parents actually work for a living get into more and more debt.

Probably not the right place to open this particular can of worms.



Grown up, homebuying question... - Welliesorter
You didnt go to university to become a "key worker"


Aren't teachers and nurses key workers? You need a degree to be the former and many of the latter are graduates now.
Grown up, homebuying question... - Mapmaker
My friends who are schoolmasters seem to be provided with on-site accommodation - in exchange for which they work virtually 168 hours a week. If nurses have degrees, it's no wonder that they won't do the basic tasks towards caring for patients - as documented in the news a week or two ago. Call me old fashioned (shurely not), but I cannot see why nursing requires a degree rather than a good, old-fashioned, vocational course.
Grown up, homebuying question... - Welliesorter
My friends who are schoolmasters seem to be provided with on-site accommodation


The fact that you use the term 'schoolmasters', and the fact that accommodation is provided, implies that you're not talking about inner city comprehensives.

And yes, I realise that we've drifted off the purpose of PG's question so I'll shut up now.

Grown up, homebuying question... - PoloGirl
Don't worry... it's not key worker in the traditional sense. The job is actually very well paid considering it will be my first out of uni, but as it's for a public sector organisation, I could go for the key worker thing if I wanted to.

So don't panic...I'm not wasting your taxes, or mine for that matter!

Anything goes on eBay? - frostbite
Is there anything that doesn't sell on eBay? Look here, and be amazed (or bid!)

cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&category=...W

Good job it's Friday!
ATM's & Chip&pin - borasport20
If you enter your pin incorrectly at an ATM, do you get a message telling you it's wrong, or in the interest of 'security' and 'customer service', does it let you carry on but not do anything ?

The reason I ask is I have received a new chip&pin card. I rang the bank who said i would be getting a new pin, and if the atm at local shopping arcade did not allow me to change it, the one at local bank would. Got new pin, went to local shopping arcade, tried to change it. The machine would ask for new pin, repeat of new pin, pretend everything was fine and then say 'transaction not available'. Try the same at main branch and get the same response. Go back to work, ring bank - 'oh, no sir, not all our machines can do that yet but those at HSBC do -go to your local HSBC'.
So i legged it out of the office in a quiet period this pm, and guess what - the machines at the HSBC don't do it either.

Now it did strike me that one of these changes that the I think it is, so I tried starting from scratch, and when the machine says 'enter your pin' if you put in a number you know to be wrong, the machine lets you carry on, wasting your time until you come to complete the transaction and then gives you a message that leaves you none the wiser

Technology - who wants it ?
--
you have to get out of the car sometime
so visit www.mikes-walks.co.uk
ATM's & Chip&pin - smokie
I think this is all down to speeding up your transaction rather than slowing it down.

It takes time for your PIN to be verified, so while that's happening, and rather leaving you than staring at a blank screen waiting for the response, it gets you to go ahead with your "order". By the time your order is placed, it has had a response from the other end. A negative response would result in what you see.

I have had a horrible time with new PINS. I have 2 NatWest cards (Visa & Mastercard). NatWest sent new cards and said wait for the pins. When the pins came, it didn't say which card it was for. I did the same as you - but just tried to change my pin. Eventually I had to get some money out just to prove it was working.
ATM's & Chip&pin - Robbie
I received a new chip and pin card from HSBC some months ago and I've not had a problem with it, either at machines here or in France. I used it regularly in France to withdraw cash from ATMs, and I've used it here in HSBC, NatWest and Royal Bank of Scotland machines. I haven't tried to change my PIN however.
ATM's & Chip&pin - henry k
I have had no problems with Barclays or A&L cards.
Changed the pin on two of each.
Each time I just changed the pin thus keeping it simple.
This was the first time my A&L card or its earlier versions had ever been in an ATM.
Not used the pin for a transaction yet.
Pedal Bike derailleur gears - BobbyG
10 year old daughter's 18 speed bike. The rear cogs will only go on the 3 smallest cogs.

I have tried adjusting them but no success. As far as I can see, there are 2 screws marked H & L, I have tried adjusting both of these full way, each way but it has not made any difference.

Anything else I can do? The three front cogs all work fine.
Pedal Bike derailleur gears - David Horn
The H and L screws determine the maximum range of the derailier. L stops it slipping off the smallest cog, H stops it falling off the bottom one. (Or the other way around.)

The H one shouldn't move far enough to restrict you to the 3 smallest cogs. It shounds like a cable problem to me. You also have a tension adjustment. (A small black thumbscrew either on the rear derailiur near the cable or on the handlebar shifter. Try fiddling with that.

It could also have been dropped, which might have bent something.
Pedal Bike derailleur gears - No Do$h
Push the rear mech towards the centre of the wheel to make sure it can travel across to the inner (largest) cog. Provided it can get across, it will most likely be the cable or shifter, as mentioned by Jesse.
Pedal Bike derailleur gears - Robin Reliant
If the cable has been allowed to stretch too much you will need to disconect at the anchor point on the mechanism and re-tension before tightening again. This is the most likely cause as shifting onto the largest sprockets requires the cable to pull the mech inwards.

If that doesn't work then the derailleur may be bent or the gear hanger (the bit on the bottom of the drop out into which it screws) may need straightening.
Tile cutting - SteveH42
I'm currently in the process of tiling the bathroom and things are going well so far with the exception that I can not fathom how to cut non-straight-lines in the tiles. I've got a Plasplugs powered tile cutter which claims to allow you to cut shapes out but the instructions are very vague, just telling you to use the top of the wheel with no real information as to how. Can anyone advise? Or is there a better way - a scribe or nippers for example?
Tile cutting - volvoman
Hi Steve - I think the idea is to grind the shape out rather than cut it. You should be able to scribe and break a tile with a slight curve but as the radius of the curve gets smaller the tendency is for the tiles to snap (as you've probably found out already). I use something called a du-all-disc. It's a ventilated flexible disc which can be used in virtually anything which rotates (e.g. angle grinder, drill, chop saw etc.). Don't know about your machine but this disc works very well when mounted on a simple drill clamped to a bench. I tiled the floor in one of our toilets and (after a little trial and error) found the disc very good at cutting curves around the toilet base/waste for example. The disc cuts and grinds at the same time so you effectively eat away at the tile in order to get the shape you want. The initial cut need only be approximate (err on the side of caution and cut too large) as once you have the rough shape you can grind away at the tile until it fits properly. Depending on the cutting disc you bave I would think you could try something similar with your cutter by marking out the shape required on the reverse of the tile, making multiple small straight cuts along the line to roughly form the required shape and then either breaking the tile from above when you're almost through or continuing to cut until you're right through. Beware of chipping the glaze if you try that though (very annoying!).

I can give you an address for the discs if you want and the good news is that they are guaranteed for life so when you wear them out you can send up to 3 away with £3-4 P&P and they'll replace the lot lot for you. I've just done this and the replacements came by return of post. The discs will cut virtually anything and they really are very useful for all sorts of things. HTH.
Tile cutting - Altea Ego
Or Buy a tile saw - very useful!
olympics team. - Imagos
Why do we have team GB for the olympics yet for football etc we have England, Scotland, Wales. Either were one country or not?? anyone know?
olympics team. - Robin Reliant
The four home countries have long been under pressure from FIFA to amalgamate their national teams and associations in to one Great Britain organisation. The four football associations will not enter a GB team in the olympics so as not to set the precedent of having a single team representing them, which could lead to further pressure.

The last time a GB team played in the olympics was when the games were open only to amateur sportsmen and women, which is why Eastern Bloc countries nearly always won as their sport was technichally non-professional.
olympics team. - volvoman
Can you imagine those who inhabit the Ivory Towers which are the various FA's wanting to give up their power, prestige, perks and "secretaries"?
Also, if there was a GB team we'd have less votes with which to influence the various ruling bodies.
Finally, just thing how many arguments there'd be about how many English players were in the side :)
olympics team. - malteser
Judging by the little I know about the round ball game, Team GB (Soccer) would have a job to raise 11 British born players who could live with the International competition. Most of the Premiership teams seem to be composed of non-patrials!
--
Roger. (in the UK for 2 more weeks and then back to the sun! )
olympics team. - SteveH42
Well, as England, Scotland and Wales can all field teams in international competition, I think GB could easily put one in, although I suspect the Welsh and Scottish representation wouldn't be very high.

I'm more narked that IceHockeyUK decided they couldn't afford to put a GB team in the world championships and got rather shirty when the supporters association pointed out that had they just asked they would have funded it as per previous years..
olympics team. - Civic8
Cant answer that. but I expect most not to know this. As MLD`s were not able due to cheaters. compete in Athens this year. in case you dont know MLD stands for mild learning difficulties.
an event took place in Sweden for Athletes as well as footballers.with this problem. GB Footballers which are made up of England Scotland Ireland & Wales.Which incidentaly was paid for by FIFA. Football side only I might add. Won world cup Trophy/Gold medals.Sven Himself gave out all the Medals to each player. And commented he was impressed by the way Team played.So Although proffesionals may not be at thier best. some Dissabled did better than them.

This post is probably out of line so if you wish to delete please do

Steve
--
Was mech1
the last resort - borasport20
'cos I've asked at work, and I've asked in the UK diy newsgroup,
and got nowhere, but does anybody have instructions for a 'Rapitest' stud/joist/pipe detector. - I can get it to work in pipe/cable mode, but not in stud/joist mode

ta


--
you have to get out of the car sometime
so visit www.mikes-walks.co.uk
Initial thoughts on an extension - BazzaBear {P}
OK, there is a great breadth of knowledge on the website, so I thought some people might have some interesting views on the idea of extending my house.
It's an end-terrace, and we have about 5-6 feet of our own land at the side, before the kerb. The idea is to entend the side by 5 feet (it's currently 17 feet wide I think), over the entire depth of the house (24 feet), and both floors.

Basically, I've only just started thinking about this at all, so I don't really know what questions to ask even, so any thoughts on the process, difficulty, viability, whether it's worthwhile, would be well appreciated.

Questions that have occurred to me so far (which may or may not be answerable) are:

Approximate likely cost?
How can I get a rough quote for the costs, and will I have to pay for that?
How can I find out how much this is likely to add to the value of the house? Would an estate agent be likely to help me with this?
Since the end wall is obviously a supporting wall, how will we go about doing this? Will the new end wall have to be built first, joists etc. extended to it, then old end wall knocked down?
How long is such a job likely to take?
Will the house be livable in during the work?
Initial thoughts on an extension - frostbite
Add, have you got/will you get planning permission.

Most reputable builders should give you a free estimate, if not a quote.
Initial thoughts on an extension - BazzaBear {P}
Got tip to start with, of course I have no idea whether I'd get planning permission. I see no reason why not personally, it won't be blocking anyone's right or way / garden / windows.
What would be the normal first approach for this anyway?
Get in a builder? An architect?
Get planning permission before, or after approaching a professional?
Initial thoughts on an extension - Dulwich Estate
Should be OK as far as planning permission goes - permitted development. However if close to highway (1m, I think) you may need planning permission. Also drivers' sight lines on a corner may be afected. Demolition of main end load-bearing wall and building another wall as close as 5 feet away will be a costly exercise for little benefit. Suggest you keep the old outside wall and go out another 10+ feet to give you a room sized extension.

I guess if you want to extend the pitched roof (i.e don't want a flat one) it will all come out to around £35000 - £40000 + VAT.

I'd buy a new car instead.

Speaking of "new car", I must go out now and put on few more miles - it's only done 9.5 so far.
Initial thoughts on an extension - BazzaBear {P}
Should be OK as far as planning permission goes - permitted
development. However if close to highway (1m, I think) you may
need planning permission. Also drivers' sight lines on a corner may
be afected. Demolition of main end load-bearing wall and building another
wall as close as 5 feet away will be a costly
exercise for little benefit. Suggest you keep the old outside wall
and go out another 10+ feet to give you a room
sized extension.


Unfortunately 5 feet will take us to the edge of our property in that direction, and I would assume that buying land from the council will ramp up the cost of the extension dramatically, although the land in question is basically unused (the actual road bends round to the left in front of our house, down the side of it is a gravelled bit, not road as such, the far side of which turns into a pedestrian short-cut to another road.
There won't be any effect on drivers sight lines.

Although 5 feet doesn't sound much, the two bedrooms are currently only 9 feet wide, so an extra 5 will make a huge difference. The lounge runs the depth of the house, so it's an extra 120 square feet on that. Certainly not to be sniffed at.
Initial thoughts on an extension - Dalglish
Approximate likely cost?
How can I get a rough quote for the costs, and will I have to
pay for that?

>>

some answers here:

www.architectyourhome.co.uk/cost.htm
www.architectyourhome.co.uk/cost2.htm


Initial thoughts on an extension - BazzaBear {P}
Thanks Dalglish.

Architect costs look a bit scary, considering we won't even know if we plan to go ahead at that stage.

Building costs on that chart look like coming out at around £20,000 to 25,000 I think.
(120 square feet x 2 floors, something around zone 4 or 5)
Initial thoughts on an extension - Vin {P}
I think you're bang on at £25K.

Ours came in at almost exactly £100 per sq foot last year, though your area in the country may be important. Whatever you budget for "finishing touches", treble it.

V
Initial thoughts on an extension - Dulwich Estate
OK, I'll just go and talk to somebody else. Bye-for now.
Initial thoughts on an extension - Happy Blue!
So DE, how is the new car?

Our new one comes tomorow, after they have finished installing all the extras the missus wanted.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
Initial thoughts on an extension - Dulwich Estate
So DE, how is the new car?


Rather splendid thank you - I've only done about 25 town miles so full report will follow later. But the grunt at low rpm is very satisfying. Engine and auto box seem very well matched. Don't know about taking it up to 3000 rpm on occasions in first 1000 miles as HJ says - seems cruel and uncaring.

It was a scary moment when a quick swipe of my debit card removed £7k from my account just like that though. Watch your debit card or keep no money in your account!

Initial thoughts on an extension - BazzaBear {P}
The main thing I'm worried about is that the fact we're extending the entire width of the house will cause some sort of complication and drastically increase the price.
Initial thoughts on an extension - RichardW
Well, the wall is holding the roof up, so the roof will need extending - that will be in anyway, but if you remove the existing gable end and it is a purlined roof the entire roof will probably have to come off and be rebuilt. The biggest difficulty I can see is if the end wall is supporting the floor joists then you will either have to install some steel the support the old or new joists, or rip the lot out and put new longer ones in. That will make it a) a lot more expensive, and b) render the house uninhabitable for a while. Try sketching the house and see how it will look with an extra 5' on the end with no windows in it - odd I would have thought! Also, assuming it is an old terrace, you will probably need to source some suitable reclaimed bricks or it will look terrible - again not necessarily cheap or easy.

I think your best bet would be to get a couple of builders round to advise on the feasibility of the job, and give a broad brush cost. Then approach the planners and find out if you are likely to get permission.

Then move house..... :-)))


--
RichardW

Is it illogical? It must be Citroen....
Initial thoughts on an extension - Happy Blue!
Can I give a little professional advice (see my profile).

You may not need planning if the volume of the house is increased by a certain amount, but you will to check with the planning department at the local Council. You will need Building regulation consent. I strongly recommend an architect to help you through this, as it appears to be a big job for limited reward.

An extension of 5ft is small and the costs will be high. £100psf is high. If you want to take down the entire gable wall, that is a very big job and you will not be able to live in the house during the works.

Unless you can actually increase the number of bedrooms and reception rooms, the value of the house will not increase by enough to make it worthwhile. However, it is your house, and if you intend to remain there, financial factors may not be important.

Have a look around the area - has anyone else done a similar job? Are there any houses which are bigger and cost up to £40,000 more. It may be better to buy one of these instead.


--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
Initial thoughts on an extension - Hugo {P}
You would be getting about an extra 100sq feet on each floor. That's 200 sq feet.

The £100 per square feet cost rule is a general rule of thumb, but I suspect the cost would be high if you just wanted to increase the size of existing rooms.

Extensions work well financially when extra rooms are added and the existing outside wall is used as a dividing wall between the old rooms of the house and the new added on rooms, or when there is a substantial increase in the size of the house, affecting main living areas etc. Simply moving an external wall a few feet to the left is probably much more expensive than the cost of moving house, including the price increase of the property.

My first move would be to talk to your planners in person about the possibility of getting planning permission. All sorts of planning guidelines would need to be taken into account, some of which haven't even been mentioned here yet.

In addition, if it is possible to buy some land from the council, why not ask? They can only say no. If they agreed, then your extension ideas may then take on new meaning.

Otherwise, your options are probably:

Tidy the place up, sell it and move to a bigger house
Invest in a conservatory or a ground floor only extension, either to the side or poss a ground and first floor extention at the back or front. A ground floor extension would increase your living area, where you spend most of your waking hours.
For more bedroom space, have you thought about the attic? Most older terraces have excellent potential in this area. Simply use this to create an extra bedroom and then combine two rooms on the forst floor into one!

Hugo
Initial thoughts on an extension - BazzaBear {P}
Thanks Hugo, it's good to hear someone elses overall thoughts on it.
There are some details about the house that I didn't mention which make a difference unfortunately.
It was built in 1975, when there was, apparently, a fad for upside-down houses. The living rooms are upstairs, and the bedrooms downstairs. This is why we wanted the extension to be both floors, since we'd like to extend the living spaces.
The attic is a no-no, the roof has a very low pitch, so there's not enough vertical space up there to use it for anything other than storage.
I don't really want to entend out the back or front, since I think it'd be a bit unfair on the neighbours, putting a large brick wall right by their windows.

I think you're spot on about asking the council about the land next to our property though. It certainly can't hurt, can it?
Since the house is currently mortgaged, the bank hold the deeds, do you think I could request a copy of the boundary plan from them, so I can get straight in my mind exactly what land we might be interested in purchasing?

As you and several others have said, it's looking like the original extension plan is not going to be financially viable, in terms of adding value to the house. If extra land were available, that straightaway opens the possibility of adding a garage, and possibly an en-suite bathroom to the main bedroom, plus having a seperate dining room and lounge.
Initial thoughts on an extension - Hugo {P}
You can get an idea of boundary plans IIRC from your local planning authority. Just ask to see the plans that include your house.

Then I suggest you take a tape measure and measure the land available at your house and the council land to get an idea of size etc.

Hugo
Boundary dispute - Obsolete
I have a question for anyone with legal knowledge. My mother recently passed away leaving a house as part of the estate. A few days after we had laid her to rest, the neighbours came to the front door and issued a threat along the lines of "If you do not agree to out terms over the boundary between our properties, you will not be able to sell the house." The terms are that they replace a side fence, a front fence (paid for by Mum) and we erect a new rear fence on our side of their existing fence and at least 8 inches away which they claim marks the boundary. I know for sure that a) an extension to their house protrudes 8" onto our property and b) their rear fence is on their property but only just. Therefore they are attempting to take property from us by means of a threat.

So here are my questions:

1) I am named in the will as the sole executor but we do not yet have probate. Can I engage a solicitor now or must I wait for probate? Note that a solicitor is currently handling the estate including the gaining of probate. I have been told by one solicitor that she cannot act for me, but maybe there is a way around this. It will take 1 month+ to get probate which leaves me unable to act.
Boundary dispute: continued - Obsolete

2) If the neighbours replace a fence without my knowledge (I live hundreds of miles away), and then claim that I gave them verbal permission to do so, do they have a leg to stand on? My belief is that without a written agreement they are lost.

Many thanks.

Leif
Boundary dispute - Bromptonaut
You really do need legal advice on this.

Be very wary of getting into an involved boundary dispute as a matter of principle; as a money pit it beats even the dodgiest ringer of a s/h car. My mother was called as a witness in something similar on the basis that she had lived in the now forty-year-old property when it was new. County Court judge, Counsel, Solicitors and witnesses etc occupied all day. God only knows what it cost the protagonists to have their “day in court”.

I'm assuming you simply intend to sell the property and distribute the proceeds to beneficiaries for whom it will effectively be a windfall. Pragmatic legal advice may say the game is not worth the candle and that the best outcome is a quick agreed settlement.
Boundary dispute - patently
Charming neighbour, I have to say. Ideal time to cash in on a good negotiating position...

A good solicitor will be useful in appraising yourself of the legal position. But try if at all possible to settle. Boundary disputes get horribly involved and upsetting. I know of neighbours that fell out because a wall was built up to the boundary but (horrors!) the gutter extended over the line.... Cue years of bitterness and £000s down the drain (as it were).

The threat is real - a boundary dispute will have to be admitted in the conveyancing process and most buyers will run screaming out of the estate agent's door. There will be a cost in settling; set this against the legal fees and the delay in obtaining the value of the house.

And, if possible, settle it in person, on the plot, calmly. Endless letters back and forth invite an argumentative stance.

Best wishes, and sorry to hear of your loss.
Boundary dispute - frostbite
Sorry to hear of your problems at a difficult time.

Can't sensibly offer advice on the boundary situation, but am surprised at the month quoted for probate. When my mother died, I was granted probate within a week (no solicitors involved).

Having said that, I would have thought that as Executor you are already authorised to deal with matters arising - you only need probate to handle distributions, etc., I believe.
Boundary dispute - cockle {P}
Leif, sorry to hear of this, it's probably about the last thing you need having just lost your mother, please accept my condolences.

However much it may gall, Bromptonaut and patently give good pragmatic advice which I echo, walk away if you can. I have experience of two cases of boundary dispute, one involving a work colleague ran for over two years and cost him in excess of £50,000, all over four inches of property! Surprisingly he thought it good value when he won!
The other case involved a member of the family, he decided to go legal and fortunately had a very good friend who was a solicitor who he asked to act for him. The solicitor gave him the advice to come to some sort of mutual arrangement, even if he felt badly done by, then sell up and move. Solicitor explained that he loved boundary disputes, they paid his children's school fees and bought him and his wife matching MB's every couple of years but that he really didn't want to profit from a good friend.

TIC, how about suggesting that you don't intend to sell if there is going to be a problem but will subdivide the house into bedsits and let them to DSS clients, you might see a change of attitude!
(I am not implying that DSS claimants are necessarily bad people, it's just a preconceived idea that a lot of people have)

Cockle
Boundary dispute - Hugo {P}
It sounds like the neigbours are - well words can hardly describe their attitude. Let's just say what goes around usually comes around.

I like the idea of bed sits, sit on the house and let it out to dodgy tenants who have the council pay their rent! Profit to you and hassle for your neigbours.

Although in practice you may want to sell the house, letting it be known that this is an option to you will do your case no harm at all! If your neigbours really are trying to profit from this situation then such a bluff may scare them away from this stupid stance.

However, in practise you may have to sit down and discuss it with them, no matter how much it might grate you.

Having said that do you know what the relationship between your mother and them was like? Your late mother and they may not have hit it off and thus a different approach from you may do the trick.

All the best

Hugo
Boundary dispute - Obsolete
Hugo and others: Thanks for the advice. Yes I would rather avoid legal action due to cost. If the inheritance was just me then I would not sneeze at spending ~£10K if it meant bankrupting the neighbours given their past treatment of Mum, but there's three of us so that option is out.

The relationship between Mum and neighbours was poor. The police were called several times when the neighbours cut down a tree in Mum's garden and assaulted a workman. They also removed a fence. As Mum was disabled, they could in practice do what they liked in the way of damage to her garden. (This is otherwise a really nice neighbourhood with posh houses.)

I have in the past tried to speak to them but it's hard as they are not rational and they are rude about Mum.

The house deeds support our case and I believe a survey done for the neighbours also supports our case.

I think the only way forward is to engage a solicitor and hope a few letters will encourage them to back off and accept the original agreement.

Thanks again.
Boundary dispute - Altea Ego
Gosh they are very nice neighbours. The answer is very simple. You tell them to withdraw the threat or...

"I cant be bothered to sell if you make it hard. I shall
a: rent it out to the local council for use with problem families, (or asylum seekers, or single mothers etc etc) or b: I shall rent it to Students."

That should shut them up.
Boundary dispute - Obsolete
Gosh they are very nice neighbours. The answer is very simple.
You tell them to withdraw the threat or...
"I cant be bothered to sell if you make it hard.
I shall
a: rent it out to the local council for use with
problem families, (or asylum seekers, or single mothers etc etc) or
b: I shall rent it to Students."
That should shut them up.


Unfortunately as executor of the estate I have to sell the house. I sent the neighbours a letter indicating that if they continue I will take them to court. They had a survey done which they refuse to show us but which undoubtedly rules against them so they will avoid court like the plague as that would force disclosure. (Actually they are legally obliged to show it to us, but still refuse.)

The only question now is what constitues a dispute since such things have to be mentioned on documents when selling a house and an ongoing dispute makes a house hard if not impossible to sell. Does making a verbal threat and then going quiet constitute a dispute?
Boundary dispute - hxj

As executor your responsibility is to deal with the assets of the estate for the best benefit of the beneficiaries, so you are under no responsibility to sell the property immediately.

Why not simply offer to sell the neighbours the 8 inch strip of land for say £1000 plus your legal costs in dealing with the matter correctly. That way you have no dispute, everyone knows where they stand and the matter can be resolved quickly.

Plain vanilla Televisions. - malteser
Our daughter & son-in-law's Sony has at last given up the ghost.
They are having the most incredible trouble locating a new TV with (a) A BLACK case to match the rest of their audio visual equipment and (b)without the wide screen which is only OK if films/programmes in that format are being shown. A screen size of around 24 inches would be enough.
Does anyone have any suggestions as to make & model?
--
Roger. (in the UK for 2 more weeks and then back to the sun! )
Plain vanilla Televisions. - BB
Best bet would to look on ebay for an ex rental tv with a warranty. It is highly annoying that 99% of tv's in this day and age are silver in colour.

I was after a black tv for the bedroom and got an ex rental 25" philips non widescreen 100 hz idtv for £90. The name of the company escapes me at the moment, but it was based in Chester.
Plain vanilla Televisions. - PhilW
Have you tried your local TV/TV rental shops? In our town there are a couple who sell off their ex-rental TVs. I've picked up a couple of good ones for a good price. Last time I looked many were black. Most likely if you have a nearby Uni or college!!
Plain vanilla Televisions. - Dynamic Dave
My local LIDL store still had a couple of TV's left over from their previous weekly offers. £99 for a 21" screen with a 3yr guarantee.
Plain vanilla Televisions. - Vin {P}
I bought one at ASDA, 21", normal format screen, £129.99. Mine was in silver, but they may well have black ones.

Alternatively, if they shop online,

www.pricerunner.co.uk/sound-and-vision/vision/tv/2...s

£117, don't know about delivery. The site itself allows you to search on loads of criteria; see:

tinyurl.com/3wqep

HTH,

V
Plain vanilla Televisions. - malteser
The link to pricerunner has opened our eyes!
What a useful place. I think that my daughter will be using them to compare utilities and telco providers too. There are quite a few "vanilla" TVs too, so many thanks for the info.
--
Roger. (in the UK for 5 more days and then back to the sun! )
Plain vanilla Televisions. - Stargazer {P}
Roger,

Thought this sounded familiar, have a look here:

www.honestjohn.co.uk/forum/post/index.htm?t=17192&...e

If the link doesnt work its the first question in IHAQ Vol 20

Cheers

StarGazer

13 amp sockets - L'escargot
Why is it that the terminal screws of 13 amp sockets loosen over time? Surely it can't be just mine that do this? Does it happen to all terminal screws, lighting as well as power? After having found a socket at my current (pardon the pun!) abode which had loose screws, I feel as if I should check every one in the house. The house is only about 8 years old.
--
L'escargot by name, but not by nature.
13 amp sockets - Altea Ego
Simple really. The screws and threads are usually made of the same material so dont bite really well, plus they get warm with the current flowing thro them and expand and contract loostening the treads
13 amp sockets - frostbite
If you're going round tightening them, a blob of your favourite nail varnish at the base of the thread should stop further loosening.
Silage/haylage - L'escargot
I know what silage is, but I've just seen a roadside sign advertising haylage. What is the difference between haylage and silage?
--
L'escargot by name, but not by nature.
Silage/haylage - Dwight Van Driver
Bonjour L

Regardez

tinyurl.com/3pbm7

DVD
Silage/haylage - L'escargot
Merci beaucoup Dwight.

I might have known it would be an American word. Why do people have use American words? It's not clever.
--
L'escargot by name, but not by nature.
Silage/haylage - helicopter
Why not?

We could ask why you are using a Fench nom de plume Mr Snail :]
Silage/haylage - Dwight Van Driver
Back off Whirleybird. I'm with Brian.

Look at our so called culture and all the crap we have all has an American origin. I wont spell it out or I will banned and I can sense Mods with edit buttons ready.

At least a NDP with some class and with R init.

DVD :-#
Silage/haylage - Altea Ego
Hold up there boys. Lets get some things right. Firstly English IS NOT the sole preserve of the English people any more. It is becoming a rapidly universal language. The reason being that it can adapt and grow or change to suit the times and global location it is spoken. You should revel in the fact that you have as your first language something so adaptable.

If it were not so we would be speaking like Shakespeare, or worse, speaking in French. (Which is so rigid it cant adapt and has to adopt American words)
Silage/haylage - frostbite
"we would be speaking like Shakespeare"

Methinkf perhapf he if piffed.
Silage/haylage - NowWheels
Methinkf perhapf he if piffed.


who, Fhakefpeare?
Silage/haylage - Mark (RLBS)
>>piffed

That\'s so amusing I\'m going to let you get away with it.
Silage/haylage - frostbite
>>piffed
That\'s so amusing I\'m going to let you get away with
it.

>>

Cheque if in the poft.
Silage/haylage - L'escargot
Why not?
We could ask why you are using a Fench nom de
plume Mr Snail :]


Zut alors! My real name is Leslie Cargot ;-)
--
L'escargot by name, but not by nature.