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I Have a Question - Volume 249 [Read only] - Dynamic Dave

***** This thread is now closed, please CLICK HERE to go to Volume 250 *****

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Edited by Dynamic Dave on 22/09/2008 at 21:46

HBOS / Lloyds, Finances in General - BobbyG
Hopefully this won't turn into politics, but under the auspices of the IHAQ header "there is a wealth of knowledge in here", where do those with the knowledge and understanding see where the Economy is going?

I have plans to get an extension done, especially just now whilst building market is dead but now may have issues getting a mortgage even though my new mortgage would still be less than my house was worth pre-extension. And if I do get the mortgage, who knows what way the rates may go? Also I assume with all the shares crashing, my endowments and pensions will suffer as well as a result. Are my ISAs safe with HBOS?

Is the feeling on here that we are in a downward spiral? Is it all caused my banks over lending on higher risks worldwide?

Obviously there are thousands of jobs being lost as a result, I believe the unemployment figures are at their highest for a good number of years.

My personal feeling is that I was happy to see the housing market collapse as quite frankly it had spiralled out of control and it couldn't go on forever with the assumed growth it had.

I am genuinely interested in thoughts on this but please please please don't turn it political and get it locked!

Edited by BobbyG on 17/09/2008 at 23:55

HBOS / Lloyds, Finances in General - Pugugly
No reason to lock it unless it turns into yahbooh tabloid politics - fair questions though.

HBOS / Lloyds, Finances in General - daveyjp
Mortgages - still no problem getting one at a good rate if you have plenty of equity in your property. A colleague completed on a house yesterday. She had a 50% deposit, nothing to sell, a Barratt part ex house. From offer to completion 4 weeks.

ISA - not affected. You will now get statements from Lloyds - check interest rates though to ensure it is still competitive.

General economy - the attitude that a property is for living in will help you get through any panics about massive drops in values. If you have a secure income, aren't likely to need to sell for 5+ years (obviously emergencies happen, but no one has a crystal ball) there's no reason why you shouldn't undertake improvement work.

As for general banking when Lehman borrowed $35 dollars for every $1 they had is it surprising to learn they went belly up? They employed 4500 in London, of these just 8 were Members of Chartered Institute of Banking.
HBOS / Lloyds, Finances in General - oldnotbold
What's the difference between an investment baker and a pigeon?

A pigeon can still put leave a deposit on a Porsche - boom boom..
HBOS / Lloyds, Finances in General - Altea Ego
Bobbyg

This whole mess is rather dramatic housekeeping. There was no way the current way of making money out of nothing could continue. Those that went down this route are now being sacrificed and thorwn on the funeral pyre. (and yes HBOS WAS guilty of this crime - more heavily exposed to sub prime loans than other banks)

Your money in HBOS/LLOyds is safe - the government will brankrupt the country rather than let one of the big 5 (sorry now big 4) fail.

Investements are down sure - all round, (your pension, isa, etc etc) but they will recover just like they did after the dot com bubble burst)

Re your loan? if you can get a morgage - sure go for it. Rates are still reasonable. Just be sure of two things. a: Your prospects of paying it back for at least the next 5 years are good and b: you dont exceed 70% of your CURRENT (not 12 months ago) house equity in loans.

HBOS / Lloyds, Finances in General - jbif
and yes HBOS WAS guilty of this crime - more heavily exposed to sub prime loans than other banks


Analyis of downfall here:

www.telegraph.co.uk/money/main.jhtml?MLC=/money/ci...l

"HBOS has been caught with its pants down because, like Northern Rock, it borrowed heavily from other banks and institutions to fund new mortgages, meaning it was, effectively, lending out other people's money rather than lending money deposited by savers. The wheels of the HBOS wagon gradually came loose as the money from other banks dried up in the credit crunch, leaving HBOS with a reported £198 billion cashflow problem."

"Andy Hornby was appointed chief executive of HBOS in 2005, at the ridiculously young age of 38, .... His energy, dash and aggression, coupled with marketing skills learned during his previous job at Asda, drove a seemingly unstoppable expansion programme, during which HBOS borrowed heavily so it could gobble up customers from its more cautious rivals.

Meanwhile, commentators were rather less complimentary about Eric Daniels, the self-confessed "invisible man" at the helm of Lloyds TSB, who refused to take risks with the company's money, even if that meant losing market share to HBOS. His preference for "organic growth" rather than innovation seemed outmoded. Traders unkindly characterised Daniels as "boring", and referred to Lloyds as a plodding shire horse, parodying the thoroughbred stallion of its famous logo. "




HBOS / Lloyds, Finances in General - cockle {P}
>> and yes HBOS WAS guilty of this crime - more heavily exposed to sub
prime loans than other banks

Meanwhile commentators were rather less complimentary about Eric Daniels the self-confessed "invisible man" at the
helm of Lloyds TSB who refused to take risks with the company's money even if
that meant losing market share to HBOS. His preference for "organic growth" rather than innovation
seemed outmoded.


And you would think that the profligate would bear the brunt of the pain, but it would appear not!

SWMBO was saying only last week that she was glad that she worked for a more traditional, more cautious bank, LloydsTSB, and that she felt sure they were secure and would ride out the storm. She now finds herself in the position of working for a bank which will have 145,000 employees and rumoured to want to axe 40,000 of them but which at the same time promises to safeguard jobs in Scotland in the very bank which got itself into trouble. She now goes from security to a minimum 25% chance of redundancy, probably higher if you take out from the total jobs at risk the Scottish ring-fenced ones, probably nearer 40% chance.
Eric Daniels can congratulate himself on his cautious strategy being the more correct one but it looks like his employees that carried out those policies are fair game for sacrifice as much as the employees of the 'sinner'.
HBOS / Lloyds, Finances in General - jbif
.. where do those with the knowledge and understanding see where the Economy is going?


Obviously there is space here only for a very cursory summary of a summary of a summary .. .. .. ;-)

All I.M.O. below:

You know that the amount of real money "cash" in the world is still basically the same. The debt based Western economy has in general been borrowing heavily from the savings based Eastern economy.
As long as
1) they keep lending to us, or investing in our bankrupt companies,
2) we do not put our savings under our beds
we should not be too badly affected.

HBOS used to rely on overnight loans [just like other banks] to finance its loans. The rate that other banks were asking HBOS to pay shot up by 7% on Monday night!

I think it will take five years or more to get back to anywhere near the "feel-good times" of the past ten years.

In the meantime, the trickle down effect on the economy of the disappearing rich bankers and the loss of their jobs and their bonuses will only begin to be truly felt in about 6 months time.

I have "close links" with a high tech International Company with factories in Europe, Australia and USA, and which has just two other competitors in the World. Orders were down 20% in August. Staff have been warned that the pay review in two months time will be looking at pay cuts, not rises. One of the competitors announced redundancies last week.

Political point but without naming any Party:
I think it is an irony that the Government who are there to protect consumers [as they supposedly did when stopping UK's Lloyds from taking over Abbey but allowed Spanish Santander to do so ] are now putting aside the competition laws to allow Lloyds to take over HBOS [because the Treasury has borrowed too much as it is and having spent quite a bit on rescuing Northern Rock, its coffers are getting empty]. Whichever Party is in Government in 18 months time will have a hard task managing the economy and reduce the pain that the population is going to have to tolerate for a decade or more.

Edited by jbif on 18/09/2008 at 11:19

HBOS / Lloyds, Finances in General - Optimist
Chairman of Santander was quoted the other day as saying that there are 3 simple rules to banking:

1) Don't get involved in any financial product you don't personally understand.

2) Don't sell to anyone something you wouldn't buy yourself.

3) Don't lend money to anyone who can't pay you back.

HBOS / Lloyds, Finances in General - L'escargot
I'm sure that if the former building societies had remained building societies then there wouldn't be all these problems for employees, investors or borrowers of these establishments.

Edited by L'escargot on 22/09/2008 at 08:42

Bathroom / DIY query - borasport20
Im trying to reassemble a shower cabinet - two glass walls in a corner job
However it seems like the shower tray may be out of kilter (or the walls aren't straight) - either way, if the sides of the shower butt up against the wall, there is a gap where the two glass sides of the shower meet. This is not good, as the weight of each glass panel, where it connects to its vertical mounting strip, is borne by just 2 1/2" self tappers.

The shower tray is not a single piece - it's a tray with two sides, but I have not yet, and cannot see a way, to get inside or under it. If I do, is there likely to be any levelling mechanism, and if not, what are my options ?
ta
Bathroom / DIY query - billy25
You don't say how much of a gap there is, but I would be inclined to set the tray level, and fit the sides to the tray. Then you could use longer screws to fit the sides to the wall and fill the gap between with clear silicone sealant, you could then mask this joint by buying a couple of lengths of that Plastic "L - shaped" beading and use this to neatly cover the joint both inside and out, and that should be an almost acceptable solution.

Billy
Very small stunted Wasps South of Leeds - oilrag
Usually they are worrying looking things of some size able to last through the night and still swoop about if trapped indoors.
This year they are all small things, half size at best and expiring in just a few hours if getting indoors. Same down the garden amongst the bamboo groves.

So what`s going on? Where are the big pulsating ones that give you the jibber jabbers?

Bad Summer? Not enough jam? (or greenfly) or a new species evolved just to evoke pity?
Very small stunted Wasps South of Leeds - FotheringtonThomas
There are lots different sized wasps, from tiny little ones, to hornets. Then there're hover flies. A new bee has arrived recently, too, Colletes hederae. A picture would be useful.
Very small stunted Wasps South of Leeds - ifithelps
...Where are the big pulsating ones that give you the jibber jabbers?...

I'm with the oily one on this.

Noticed the same thing in the caravan in leafy North Yorkshire a couple of weekends ago.

Four or five smallish, almost monochrome, feeble looking wasps, but no proper Mr Jaspers with bright gold stripes and a bit of an attitude.

Same question then, but no answer.

Very small stunted Wasps South of Leeds - oilrag
"A picture would be useful."

Not sure I can do a picture FT. Next time I find one though I will examine it and try to find a comparison on the web and post a link.

Ifithelps, have you got a specimen? .... err.. of one? ;)

Because small as it may seem in the big picture, its a puzzle.
Very small stunted Wasps South of Leeds - Altea Ego
My wasps have died (got as far as making very small nests then died), and my ants have disapeared.

very worrying
Maths Problem, driving me mad - stackman
I have been trying to work out a maths problem I saw on another forum and hoped the brains here might be able to save my sanity.

Imagine a box 6 feet wide x 6 feet high placed against a wall.

You have an 18 feet long ladder which is placed on the ground so that it just rests against the corner of the box with the top against the wall.

How far up the wall is the top of the ladder?

I have seen an answer but it seems it was calculated through trial and error. I would like to know how it can be calculated empiricaly from the information above.
Maths Problem, driving me mad - BobbyG
Now trying to remember my O Grade maths but I would assume its along the lines of the ladder becomes the hypoteneuse of a right angle triangle, (isosceles?) so its square equals the sums of the other two which I should be able to calculate knowing that each side is 6 + x...........

out with the calculator now....
Maths Problem, driving me mad - daveyjp
15ft from the base of the wall, 9ft from top of box

If you have any two dimensions of a triangle (side length or angle) you can work out any of the other side lengths or angles. You are also working with similar triangles.

Edited by daveyjp on 18/09/2008 at 13:48

Maths Problem, driving me mad - maz64
15ft from the base of the wall 9ft from top of box


What formula did you use?
Maths Problem, driving me mad - cheddar
Two answers, it could also be 10ft from the base of the wall and 4ft from the top of the box - I wouldn't climb a ladder at that angle though!

EDIT: Wouldn't rather than would.

Edited by cheddar on 18/09/2008 at 14:00

Maths Problem, driving me mad - pmh
You are missing some information!

Firstly a box needs 3 dimensions. (unless you define it as a square (ie regular cube) box, in which case you only need 1 dimension!).

"rests against a corner" - do you mean edge or corner?

Is the box placed "square" agaist the wall?



pmh
Maths Problem, driving me mad - BobbyG
Is the answer 12.72 ?
If it is I will then try and explain how I did it!
Maths Problem, driving me mad - stackman
Sorry, the box is sat in the corner between the wall and the ground. The box is six feet out from the wall and six feet above the ground.

The ladder is resting against a point six feet out and up from the corner, with its botttom on the ground and its top against the wall.

I'm sure there's plenty of pythagorus in this and possibly even some trig. The angle of inclination, however, isn't 45° so the top part of the ladder above the box isn't 9'.
Maths Problem, driving me mad - jbif
I'm sure there's plenty of pythagorus in this and possibly even some trig.


Plenty of that. The answer is an infinite range roughly between 10.3 and 14.7 feet [depending on what angle you place the ladder ].



Maths Problem, driving me mad - stackman
There is only one solution where the ladder can touch the edge of the box, the ground and the wall.

Sorry, Bobby, the answer isn't what you calculated.
Maths Problem, driving me mad - Group B
I believe daveyjp and cheddar have the correct answers, but how?
You only have the 6" dimension as one of the sides of a triangle?

(Maths was never my strongpoint. I cheated and had to draw it on CAD.)

Edited by Rich 9-3 on 18/09/2008 at 14:18

Maths Problem, driving me mad - jbif
If I have understood the question correctly, then your following two statements seem incompatible:

"There is only one solution where the ladder can touch the edge of the box, the ground and the wall."

"The angle of inclination, however, isn't 45°"

So the computer says no, and I conclude that I must be reading your question wrong.

Maths Problem, driving me mad - cheddar
There is only one solution where the ladder can touch the edge of the box
the ground and the wall.


Nope, two solutions.

There would only be one solution if the ladder was angled at 45deg though it is not so there is not.
Maths Problem, driving me mad - BobbyG
Cheddar, if you imagine this in real life, you have the ladder standing against the side of the box. You slowly pull the bottom of the ladder across the ground, creating an angle. Surely only at one point will the top of the ladder touch the wall whilst the bottom is on the ground, and for it to be touching the corner of the box?
Maths Problem, driving me mad - cheddar
Cheddar if you imagine this in real life >>


Bobby G, the imagine tipping the whole caboodle, wall, floor ladder and box on its side, so the floor becomes the wall and visa versa, it would still be a 6ft x 6ft box, the ladder would still touch it though the ladder angle would now be less than 45deg from the floor rather than more than 45deg from the floor.

EDIT: "from the floor" added.

Edited by cheddar on 18/09/2008 at 14:29

Maths Problem, driving me mad - Number_Cruncher
Owing to the symmetry of the problem about a 45 degree line from the base of the wall, there must be an even number of solutions - most probably 2, and so, I wouldn't trust any answer that doesn't come via the solution of a quadratic (or quartic, etc, etc) equation.

Maths Problem, driving me mad - BobbyG
the ladder is the hypoteneuese of a right angle. It is 18, so squared is 324.
the other two sides are (6+x) and (6+y) but its finding out what x and y are

oh its lunchtime..... i give in...
Maths Problem, driving me mad - adverse camber
well, if you take the view that the ladder can be thought of as a straight line having
eqn y=ax +b

we know three points on the line
when x=0, y = a
when x=6, y=6 => b=6-6a
when y=0 x=-b/a

we also know that the distance (0,a) to (-b/a, 0) is 18 whichis where pythagorus comes in.
18^2 = a^2 + (b/a)^2

I think that leads to a quadratic eqn

2a^4 -4a^3 + 3a^2 -4a +36 = 0

but its sooooo long since I did those that I leave solving it as an exercise to the reader :)


just seen the link reply - my a and b include the 6

Edited by adverse camber on 18/09/2008 at 14:34

Maths Problem, driving me mad - Robin
Not as easy as it looks at first glance but quite a well known problem. This link gives you 2 methods to do the calculation:

www.mathematische-basteleien.de/ladder.htm

Maths Problem, driving me mad - Number_Cruncher
If you call the distance from the edge of the box to the foot of the ladder x
and the distance from the top of the box to the top of the ladder y

you can write

(x+6)^2 + (y+6)^2 = 18^2

By similar triangles, you can also write;

6 / y = (6+x) / (6+y)

This is saying that the triangle formed by the upper edge of the box, the upper part of the wall, and the upper part of the ladder is the same shape as the triangle formed by the floor, the wall, and the entire ladder.

So, you have 2 equations, and 2 unknowns.

The answer drops out that

x=4.021269735
and
y=8.952396228

meaning that the tip of the ladder touches the wall either at 10.02 units high, or at 14.95 units high.

Maths Problem, driving me mad - cheddar
This is saying that the triangle formed by the upper edge of the box the
upper part of the wall and the upper part of the ladder is the same
shape as the triangle formed by the floor the wall and the entire ladder.


Three triangles - and also of course the triangle formed by the part of the floor under the ladder that is not occupied by the box, the side of the box and the lower section of the ladder up to the top of the box.

Maths Problem, driving me mad - Number_Cruncher
>>Three triangles

Yes, ...., and no.

Yes, in that there are clearly more than two similar triangles there.

No in that the equation you would get by considering another similar triangle would give you no new information, and doesn't mathematically help in the solution of the problem. When solving simultaneous equations, it's vitally important that the equations used are independent.

Maths Problem, driving me mad - jbif
This link gives you 2 methods to do the calculation:


other links:

www.mathematik.uni-bielefeld.de/~sillke/PUZZLES/la...x

mathforum.org/library/drmath/view/55250.html

mathcentral.uregina.ca/QQ/database/QQ.09.98/blade1...l

I think another way of describing this puzzle is that in any given right-angle triangle, there can only be one size of a square that can be placed on the base such that it touches all three sides of the triangle.

Edited by jbif on 18/09/2008 at 16:11

Maths Problem, driving me mad - stackman
Thanks for the replies and links. I had a page of equations but got somewhat stuck sorting out my x squareds from my y's to the fourths!

I had the basic pythagorous but missed out on the similar triangle bit and got sidetracked trying to do some trig. Sanity is now approaching normal.
Maths Problem, driving me mad - Nsar
The McKinsey answer:

Get a cherrypicker and a tape measure and measure it.
Maths Problem, driving me mad - Dipstick
Or Malibu Stacy's answer.

Maths is hard. Let's go shopping.

Avoiding Estate agents fees. - legality - henry k
A property was viewed via an estate agent several months ago and an offer to buy was made.
For personal reasons the vendors pulled out and took the property off the market.
The vendors are now once again prepared to sell.
A private sale is a possibilty as the vendor is in touch with the last potential buyer.

The vendor says there is a clause in their original estate agents contract about not subsequently sellling to a buyer introduced by the the esate agent.

There is no elapsed period in the clause.
With an open ended clause like this, is it reasonable in law and is it easily enforceable?
Is an estate agent ( in these hard times) likely to persue this ( if they find out )
Do names go on the land registry and who are they accessible to.

I am interested in the legal side not the moral side.
Avoiding Estate agents fees. - legality - Bromptonaut
Does this case help at all? tinyurl.com/6awl9s
Avoiding Estate agents fees. - legality - henry k
Thanks Bromptonaut for a very rapid response.

Some light, night time reading.

Edited by henry k on 19/09/2008 at 22:25

Avoiding Estate agents fees. - legality - Happy Blue!
Short answer - the agents will come for you big time and demand - legally - their money. They effected the introduction initially, the vendors took the property off the market and are now selling to the same people who made the original offer. If I was the agent - I would send you a bill and send the lawyers after it within a few days.

Morally you are alos obliged to pay up. Without the agent, the buyers would not be there.
Tanancy agreement question - Leif
I am renting a flat on a standard 6 month tenancy agreement, with a 2 month notice period, and it this comes to an end in 2 months. I recently received a letter from the agency including both a notice to vacate the premises, and a letter stating that if I wished to renew the tenancy for another 6 months, I was to sign the enclosed form, and pay a £44 fee. I wish to remain at the flat, but could someone please tell me if it is legal for them to charge a fee for this? I have never come across having to pay a fee to stay before.

They say I was previously advised of a fee, but I have no record of this, and so I have requested a copy of said document. I paid a large sum at the start of the tenancy, and they get a share of the monthly rent. I can easily pay this money, but it seems a bit rich to demand an extra fee which has come out of the blue.

At the risk of being rude, please only give advice if you have knowledge of the legal issues. (Anyone is of course welcome to post their opinions.)
Tanancy agreement question - Pugugly
Seems like sharp practice at any level - not entirely sure, not my usual area of business, would suggest asking CAB for guidance with all your agreements to hand. I'll do some research for you anyway tomorrow.
Tanancy agreement question - Leif
Thanks Pugugly
Tanancy agreement question - Pugugly
Gave this some thought when walkin the dogs - Have they changed any terms and conditions in the new contract ??
Tanancy agreement question - Leif
Gave this some thought when walkin the dogs - Have they changed any terms and
conditions in the new contract ??



They did not provide one, so the assumption is that it is the old one.

From searching on the net, this seems to be a not uncommon practice, though including a notice to move out in 2 months is new, and intended to unsettle me into signing. I am not sure if you can serve a notice to move out and negotiate an extension. I would have thought you have to do one or the other. One suggestion I read is to contact the landlady, and see if she will agree to a continuation of the agreement, hence cut out the agent. I think I will do that.
Tanancy agreement question - jbif
... contact the landlady, and see if she will agree to .... cut out the agent.


Especially as some agents also charge the landlord/landlady a fee for "renewing" rentals:
www.telegraph.co.uk/money/main.jhtml?xml=/money/20...l



Tanancy agreement question - Happy Blue!
Leif

Looks like they are taking unlawful advantage of a recent ruling by the Courts that landlords do have to pay a second tranche of commission to the agent if the tenant remain after lease expiry (only if they were advised beforehand).

I think that what you are being asked to pay is unlawful and unless they can give you proof that you signed a document agreeing to this figure, then I would refuse to pay. However, the fact that they have terminated the tenancy by serving the two month notice puts you in a weaker position than if they had not served the notice.
Tanancy agreement question - Optimist
I think the point may be that if they don't determine the agreement by serving you with notice to quit at the end of the term, the agreement just continues (I forget the precise term) with a one month period of notice on either side.

The agreement (as you've seen) is no more than a standard package with your name, the address, deposit etc filled in. Agents have to get their living and so charge for renewals. If they charge the landlord also, that's not really your problem.

One benefit for you of sticking with the agent is that they are generally better at getting hold of someone to fix something than is a landlord.

HTH and be interested to know how this turns out.

Tanancy agreement question - Pugugly
I had some research done today and what the others seems to make sense. It might be worth contacting the Landlord direct especially if you've been a good tenant that she doesn't want to lose you. Seems to be bending the law a bit, any mention of a rent increase ??
Modern English - Useage and abuse - Armitage Shanks {p}
I know the language develops and changes as time goes by but please help me with the following!

If there is a "Top of the Hour", beloved of newreaders, is there also a bottom of the hour?

What is with "Next up" and "Upcoming"? Won't next and forthcoming still do?

Why are projects "Rolled out" and not initiated or commenced?

Sportsmen are sometimes described as "Putting down the Hammer" - surely if they wanted to do some good they should be picking it up and using it?

I think somebody explained "Going to the Wire" to me but I can't remember the answer.

Strange use of nouns as verbs. Schemes are piloted, I thought that was aircraft. They are also trialled. During the Olympics people were described as having Podiumed or Medalled.

Perhaps I should just buy a new dictionary! Any other BR people got gripes or comments on the language in 2008 or is it just me?
Modern English - Useage and abuse - L'escargot
Different to, or (worse still) different than, instead of different from.
Gotten instead of got.
F1 cars/drivers "on the bubble".
Issues instead of problems.
I was like instead of I said.
Up and running ~ why up?
Reiterate instead of iterate. (According to my dictionary iterate means to repeat, reiterate means to repeat over and over again.)
Modern English - Useage and abuse - bathtub tom
My mobile 'phone is capable of sending and receiving text messages, not texts or even texties (sound too much like dangly bits).
Modern English - Useage and abuse - Armitage Shanks {p}
I have just woken up! Check time of first post! Why are some projects launched I thought that was ships. What is the total phobia about using the word "Old" - people are described as being "34 years of age". I am going back to sleep now!

Edited by Armitage Shanks {p} on 22/09/2008 at 10:06

Modern English - Useage and abuse - Big Bad Dave
Can't stand it when people pass away instead of die.

Or when souls are lost instead of lives.
Modern English - Useage and abuse - Pugugly
Gotten is perfectly acceptable (not that I'd used) it apparently originated in an area around the Wash before i turned up in the US. I hate "issues" and actually made a positive effort to eliminate the word from a paper I was writing today. Top of the show is another irritant - it made a brief appearance on PM or Today, but they were flamed by an audience more rabid than certain Backroomers. I love my language and try my best to avoid certain phrases and words that may be in vogue at a particular time.
Modern English - Useage and abuse - L'escargot
Why are people pronounced dead?
Modern English - Useage and abuse - Clk Sec
But, hey?, and two times instead of twice.

Dubious use of the tilde.

Clk Sec ;-)

Modern English - Useage and abuse - Big Bad Dave
And that awful Americanism "at this time". What's wrong with "now"

Suspect is heading East on Sunset at this time. Grrrrr.
Modern English - Useage and abuse - Nsar
Leverage is not a verb.
Modern English - Useage and abuse - Optimist
"At this time" is better than "momentarily", which also means now.

I enjoy the political offerings from Brown.

"It is right" which means "how dare anyone argue with me?" and "getting on with the job" which means "I haven't the vaguest idea of what to do next and for that reason daren't actually tell you what I'm (not) up to".

Modern English - Useage and abuse - L'escargot
At the end of the day ~ it's meaningless.
Modern English - Useage and abuse - Pugugly
Incentivise - how I hate that and the misuse of the word "myself" - some strong e-mails have been sent on that in work. "Can someone reply to myself" arrrrrrrrrrrgh !
Modern English - Useage and abuse - Lud
I agree with PU about 'issues' for 'problems' or complications. Illiterate carp now general among under-40s.

In my opinion anyone, politicians in particular, who uses the expression 'year on year' in any context is lying and weaselling. And when politicians use the word 'choice' - something they have been thrusting up our noses since Mrs Thatcher - a red mist descends and I briefly consider having them assassinated. Just as well I'm not a spook or member of El Qaeda because I might put the hit in train before thinking better of it.

Oh yes. 'How are things?'

'I'm good.'

No you damn well aren't you little carphound! You are merely well.

Edited by Lud on 22/09/2008 at 18:54

Modern English - Useage and abuse - bathtub tom
Our local council is to become part of a unitary authority, as a result there's to be a disaggregation of services.

It's not fair, they're so far up their own fundament it makes them an easy target.
Modern English - Useage and abuse - ifithelps
At the end of the day - it gets dark.

Another one - 'going forward' tacked on to the end of a sentence.

It means nothing.

I think those that use it should consider their position - going forward.
Modern English - Useage and abuse - Altea Ego
ok here is some plain language

english is constantly changing - get over it
Modern English - Useage and abuse - Optimist
Thanks for that. As opposed to thanks, y'see.

Modern English - Useage and abuse - Altea Ego
NP (as they say in txt spk)
Modern English - Useage and abuse - Optimist
And it means, stands for or represents what?

Modern English - Useage and abuse - Altea Ego
You dont know? There is a whole world evolving around you and leaving you in its wake.

Edited by Webmaster on 28/09/2008 at 04:41

Tardy plumber ~ advice needed - L'escargot
A month ago a plumber came to the house to weigh up some work we need doing (new mixer tap in kitchen and two new washing machine taps) and he agreed to order the mixer tap and when it arrived he would do the work. I'm fed up of waiting and I'd like to get another plumber, who I know will be prompt, to do the work instead.

Should I .......
(a) Ring the original plumber and tell him I've changed my mind?
(b) Email the original plumber and tell him I've changed my mind?
(c) Just forget the original plumber and go ahead and ask the prompt/reliable plumber to do the work?
Tardy plumber ~ advice needed - FotheringtonThomas
If you're "fed up with waiting" (see other IHAQ thread!) then I should ring him up, or e-mail (if you think youll get a reply), to see whether he's got the tap - if he has, give him the chance to do the job within a shortish period of time (3 weeks?), & if he won't, take that as the end of the matter; if he hasn't, tell him you don't want him to do the job any more.
Tardy plumber ~ advice needed - L'escargot
If you're "fed up with waiting"


I put of instead of with. I hang my head in shame!
Tardy plumber ~ advice needed - Pugugly
Oh and capitalization of words other than proper nouns. You may have noticed some subversive editing here and in Technical.
How to deter foxes - johncyprus
Help required!
We're having a problem with foxes ( and the neighbours' cats ) soiling our rear garden. We've had the house for a year and this problem began about 10 weeks ago and most days I now have to clear a foul mess. I've bought an Animal- Aware alarm from Maplin's which hasn't done much, the garden in about 100 by 50 feet and backs onto fields.
Thanks in anticipation
How to deter foxes - Armitage Shanks {p}
There is a motion sensing device, that's movement - not p**, which you can stick up on a pole in the garden and connect to your garden hose. When it detects movement it swiches on and sprays the garden with water. I have also seen, in my local garden centre, a concentrated extract of lion dung which apparently bothers the smaller intruders as they fear they may become a takeaway for a big cat. Why a UK fox would be frightened of a large African cat it had never seen I do not know!

Lino dung link here tinyurl.com/4ddlcz

Edited by Armitage Shanks {p} on 22/09/2008 at 12:14

How to deter foxes - ifithelps
May be the gardening equivalent of an urban myth...

Plastic 2ltr pop bottles filled with water and left in the flower beds.

I heard something about a cat repelling shrub a few years ago, not sure what happened to it.

How to deter foxes - henry k
www.foxolutions.co.uk/foxolutions.htm

www.conceptresearch.co.uk/fox.htm
How to deter foxes - FotheringtonThomas
We're having a problem with foxes ( and the neighbours' cats ) soiling


BANG!
How to deter foxes - Manatee
I have been told that getting a male of the household to micturate around the garden perimeter puts off the foxes. It might also keep the neighbours at a distance. I suppose the deterrent could be applied discreetly from a watering can!

I haven't tried it - maybe I should, given the attraction our chickens hold for the blasted things.
Finding a good builder - Nsar
Our house has a stone slate roof and I think it needs some significant work doing to it.

Anyone know a good roofer in the North Manchester area who knows what he is doing on stone roofs?

Edited by Nsar on 22/09/2008 at 12:53

Finding a good builder - Happy Blue!
Nsar, you are probably better off talking to the local heritage group or the conservation officer at the local council to see if they can recoomend anyone. Flagged roofs are harder to deal with than a slate or tile roof.

Have a drive around and see if there are flagged roofed houses having work done at present as well.

I will ask my roofer who recently totally recovered my slate roof. Where are you more precisely? The roofer comes from south so my not go much further than a couple of miles off the M60/M66
Finding a good builder - FotheringtonThomas
Our house has a stone slate roof and I think it needs some significant work
doing to it.


Slate is a stone. Not sure what a "stone slate roof" is.
Finding a good builder - Lud
Try Wiltshire, Somerset and Dorset for example FT... you will see houses with roofs made of limestone slabs, big ones at the eaves and shrinking as they go up... very pretty and one would think fairly durable, but needing skill to repair (like e.g. a dry stone wall).
Finding a good builder - Nsar
Or indeed the Pennines Lud, where my roof is pretty much what you describe.

Thanks Espada - I'll email you directly if that's OK
Finding a good builder - FotheringtonThomas
A flag roof, then. Limestone, sandstone, and slate are in fact different materials. Your council will know - if your house is not listed, you will get advice, if it is listed, you should be asking them anyway!
Finding a good builder - Nsar
Does your local council recommend builders?

Not sure what I'd make of our local numpties offering that service. A less confidence inspiring outfit is hard to imagine.
Finding a good builder - Mapmaker
It's not the local council recommending a builder. It's the conservation officer (employed by the council) who is in charge of listed buildings telling you of his experience of working with an excellent, sympathetic, efficient builder who has played by the rules, produced an authentic product and who has not messed his client about.

I'm not sure what a stone slate roof is. Slate is a stone... but not all stone is slate.
Finding a good builder - FotheringtonThomas
I'm not sure what a stone slate roof is.


It's a flag roof - largeish, most often irregular sized (perhaps up to about 3'x2'), pieces of slate, down to much smaller pieces, of rather irregular thickness, as a roof covering. Can look great, but maintenance (in the experience of a Cornish relative) a PITA.
Finding a good builder - Group B
I'm not sure what a stone slate roof is. Slate is a stone... but not
all stone is slate.


Its obviously a regional thing, I've never heard them called a flag or flagged roof before. 'Stone slates' is also the normal term in Derbyshire where many old properties in Peak District villages have roofs of natural sandstone.

I agree ask the conservation officer if you cant get a word of mouth recommendation from anyone else.

A friend of mine has just bought a load of reclaimed stone slates for his forthcoming barn conversion (in Derbyshire), I will ask him, but I doubt he will have contacted anyone yet to do the roof (will probably have a go at it himself).

This English Heritage document says that grants may be available either from EH or from the council, if your property is listed or in a conservation area?
snipurl.com/3spx0 (link to a 3MB pdf)

Edited by Rich 9-3 on 22/09/2008 at 18:14

Finding a good builder - Nsar
Flags are what you walk on round here. Stone slates for your roof.
Finding a good builder - Happy Blue!
Of course.

I think you have my address, but the mods will sort you out if not.
Finding a good builder - Happy Blue!
Call them what you will, us Manchester surveyors call them flagged roofs, as they are thick stone and not slate. Slate is a specific stone that delaminates easily. Stone and usually sandstone does not; it is much heavier, with pieces that are much larger in area and resemble flagstones that you walk on.