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About barmyfluid

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  1. Any good data deals ?

    Ok, that's good to know, cheers
  2. Any good data deals ?

    Yeah, I think I mentioned the Three deal to EE to get the bump, but I was happy with the QOS I got from EE and didn't want to risk swapping to a crappier provider as I rely on my connection for work....however, how do you rate Three to EE in terms of 4G access, data rates etc?
  3. Any good data deals ?

    I've had EE mobile wifi for 2 years, it was £29 a month for 25gb, and I recently phoned them for a moan and groan and got 30gb for the same price - I could probably get more but that's enough really and stops me from downloading every episode of Monkey on a whim and things like that. However, what I really like about it is the quality of service, I nearly always get 4G even out in the country where I live now (I was living in a tent/landrover for a while, meant I could keep doing my 'work from home' job) and the transfer speeds are better than my old Virgin cable in the city. Reliability has been very good too, can only think of one outage after the local mast got damaged, and that was soon fixed.
  4. should I start with a shorter narrowboat ?

    Actually it's a poor mans pursuit, at least how I do it! It's not comparable as far as artistic results go, as I do weird historic stuff with paper negatives really old bellows cameras, but I've bought world class 35mm film cameras for pennies in charity shops, and coupled with £2 worth of film developed in rotgut coffee and vitamin C, the results would cost you many hundreds of quids worth of digital to equal in terms of resolution and tonal range. If you cared about that stuff. Unless you're actually printing with an enlarger (which is wonderful), film scanners can be pricey, though I've never paid more than £10 for charity shop examples. It's a nice pastime, and keeping vintage cameras working and learning the historic skills of silver photography is similar to other, er, 'niche' activities people get up to
  5. ...and ever heard of having your house repossessed by the bank? Tens of thousands of families per year have: http://www.ticfinance.co.uk/how-many-repossessions-uk/ Generally speaking, " buying rubbish and spending a fortune on it because they don't know what they are doing" is going to end in tears no matter what it is you're buying, but the massive burden of debt that most property represents can drag you down to the absolute bottom through no fault of your own and no matter how canny you buy, nothing can ruin a dream like a house and a few bad rolls of the dice can....
  6. It's not rocket surgery, learning new skills and the feeling of self worth from fixing/building things is great.
  7. This is entirely true (unless you maybe buy and maintain something historic, tin hat time...), and to directly answer the OP question, no it doesn't stack up if you're talking spreadsheets, but it may of you're talking lifestyle and investing in a better one. To rebalance the negative/positive scales however, remember that b&m isn't the only way to earn on investments, it's a good one, but not the only one (and not immune from disaster/calamity), especially as the op is young, earning and has plenty of years he could be putting savings away.
  8. No, they sold to my cousin for a pittance, they already owned the van, think they'd used their house profit in a couple of years. However, your point works for me, I used the profit from my first house to buy this flat outright (I'd have bought a boat then but was concerned in case he got ill and I'd have to leave it a long time, which was prescient), and should clear some profit on this sale. Property buying/selling/ownership is probably the most consistent way to earn money and to secure your future, no doubt about it, though the op may not reap the same pre-boom windfall with his new build. It's not, however, the magic key to everyone's happiness. If you've family you want to leave an inheritance to, it's a no brainer. My dad left exactly enough for his funeral and a round at the pub, really proud of that..
  9. It's doable, but it's adding debt and the uncertainty of renting to life. Agents can be criminally slack checking references, and bad renters very devious and destructive, nearly all my mates who've rented regretted it to some degree, one even had all her wiring ripped out. Yes, you can pursue damages (of the agents too), pay through the nose for insurance to cover non-payment. If this is something you're willing to risk/deal with, then fair enough, but it seems at odds with wanting to 'get away'. My dear old Dad once said something very similar in a video letter to me, they sold their house in Sheffield 1979 and moved to live in a caravan on the coast, where they lived the rest of their lives, renting (for 30+ years, model tenant, got to admit), living and laughing. "Best move we ever made son". I think the sentiment isn't so much that it's in any way a bad investment/security move to own bricks and mortar, just that we Brits are so incredibly normalised to thinking that that having B&M is the goal for any right minded person, to the degree that many are utterly blinded/dumbfounded by the concept that people may want something different out of life.
  10. Hi - just wanted to say that I've just put my bought and paid for flat on the market with a view to moving onto the local canals, hoping to get around 100k, looking to spend around 30-40k on a boat and spread the rest into diverse 'pretty safe' investments and continue with my self employed work, which doesn't bring much in, but I don't have/lead an expensive lifestyle, I mend and make do and am pretty resourceful. The flat is in a really nice village, very picturesque, but I find myself bored and not feeling like I could ever settle there, and actually feeling trapped and scared when I consider that before long this may be forced upon me. After nursing a partner and recently my Dad through long illness and eventual death, I basically said 'Fxxk it, I'm doing this while I still can'. Renting it out/buying a cheap boat isn't an option practically, and neither would I want to. I'm knocking on 50, and the general response I've had to my plan online is "Nooooo!!!", from friends it's "Yes!!!!". Nobody is wrong, though it's mostly my friends who have the accurate picture of matters of the heart. Also, every other person on the internet seems to have a doomsday cult mentality on the direction this country is heading with regards to care, social security and everything else, and you are making yourself a blank canvas for them to paint their opinions on. They may have points, some things will come to pass, others not, but the negativity is much louder than anything else you'll get, weigh accordingly. With few exceptions, it's a given that property isn't even on same spreadsheet as a boat as far as 'security' (investment, stability, er, security) goes, and though I've plenty of my own, you may as well well just put one cell with the words 'money pit' in it to represent a boat. Running costs may be comparable, but what you get at the other end isn't. It's a terrible idea, everything is more difficult, you'll be up shit creek (boom boom) in the future. You'll regret it if you do, and regret it if you don't. You should definitely do it, and best of luck to you. Andy
  11. swapping property for boats

    There's so much of that last post that I could just take away reference to age and relate to myself right now, though to be fair on myself, I've not led an uninteresting life so far, only got into the property lark in my 30's, and that was at the prompting of my late partner rather than me desiring it, and I've done (and continue to do) my moral duties to loved ones. Absolutely, both as a teenager and right now. Even remember writing it down in one of the legion bedsits of youth. I'm not blind to how vulnerable we are at old age, I'm looking after a dying 80 year old in a rented bungalow! He's also a great role model of trying to find your dreams and risking all to do so. Both he and my late mum grew up in slums, didn't have shoes, proper poverty. They scraped and ground their way into a lovely suburban house, huge garden, remember it well. Still, at the age of 40, to escape the late 70's steel crash of Sheffield and the city life forever they sold for a pittance to a relative, moved into a caravan on the coast, endured some really rough and poor years, and never, *ever* looked back without saying 'Best thing we ever did'. Of course, could all have gone tits up, but they were strong, good people with a dream. That's not something so easy to destroy. Even though we're way OT, I'm glad this thread provoked such interesting responses.
  12. swapping property for boats

    I'd like to thank everyone for the time they put into this discussion, and I don't disagree with any of the advice and sentiments regarding this country, security of property or providing for ones old age one bit really. Thanks Chubby for the heartfelt post - thing is, we've lead quite opposite lives and sound like we're very different people. My dad is the tail end of a decade long string of losses and mortality wake ups (beginning with losing my late partner) and it's more than a feeling of 'could get run over by a bus tomorrow' for me. I'm 48, probably got another 30 years if I'm lucky, really can't see me wanting any more than that, no kids.... Yes, it's bonkers, ill advised, stupid. I did say variations upon - there are lots of them, but at heart viager schemes are all about equity release, which is what I was describing, and it was just a thought. In theory it's a matter of 2 willing parties signing a mutually beneficial contract, not something Joe Conveyance would know about true, but hardly legal rocket science to draw up. I'm not surprised my OP elicited so many responses from people angry, suspicious, afraid of where our country is going with respect to providing for its elderly, cost of housing and general dehumanizing of it's populous, but I have to say this - everyone seems very resigned and depressed by the system but seem to suggest that the only thing to do about it is to run deeper into it's arms, play the UK property game and die comfortably. That's not in any way a bad thing per se, for most people that's doing well and family life, but if you're unhappy and want something different in life, it's a pretty dismal outlook. To quote the great Eddie Hitler "You're born, you keep your head down and then you die - if you're lucky!"
  13. swapping property for boats

    I'm too young, you need to be at least 55. To be honest, I just want rid of that part of my life and I'd like to turn my back on as much of the game as possible. If I didn't have so many good friends in the UK I'd just head off for somewhere where you're not actively persecuted for trying to opt out of 'normal' UK life.
  14. swapping property for boats

    Nope, I'm 48. It wouldn't be a bad option otherwise, did look at it. It was really awful. Thing is, when I first bought a house it was a private sale between me and my boss at work, no estate agents, really easy and stress free, so I know you don't always have to play the game to the nth degree, but I know luck plays a part in it too, you can have problems develop in any situation. I don't see any legal reason why a property/boat exchange couldn't happen, property would always be seen as the more solid deal (more boat for the buck) and there do seem to be companies and people out there doing/seeking it: http://www.homemove.co.uk/forums/narrow-boat-swap-4534.html http://pxboats.com/index.php/sv-fanai/
  15. swapping property for boats

    Thanks for all the replies. I don't disagree with the points, and the security for old age (especially in this political climate) and lack of depreciation was one of my level headed deciding factors in getting it, but renting out right now isn't an option, as that's take weeks I don't have of emptying for storage, arranging the legalities, probably fitting new boiler, shower, and then I'm going to be a 3 hour drive away...it's nowhere near rentable really. Down the line, I wouldn't have the cash to buy a boat then rent either unless I got a loan and risked (and I've been warned off renting by friends who've had non-paying tenant nightmares) rental income to pay it off, which'd put me back into the position of debt that I'm thankfully not in anymore. I have looked a variations of the French Viager schemes, which AFAIK would be contractual and doable in the UK. Something like: Liveaboards in later life who are now having trouble coping with the physical aspects of life on the cut, exchange boat for lifetime contract to live rent free in flat/house but maintain property during that time, property reverts to owner when the last of them pass on, however long that may be. There's certainly no end of people who've sold up property to buy boats, which is the default option, I just had such a crap and stressful time selling, moving, storing, living in my car, trying to buy, falling through, and then another protracted buy that I just wondered what the sidestep situation was. Like I said, it's certainly done, just mostly for luxury boats from what I've seen, and more abroad.