MrBen

Tasteful RD...tasteful...

I agree with the OP though....but London generally not just East Dulwich or areas like it. Wages need to rise again.

Fox - is that you?

I'm getting too much from our cleaners. They are lovely young Brazilian women but pad around our house (a family home) in hot pants and revealing vests. All this for ?11 per hour when i'd much rather pay less and see less.

Also for some reason I'm not allowed to work from home on Wednesday's anymore.

My house is feeling crushed and devalued...

Nice little line in 1970's / 80's refurbs going on at the moment though. It shows what a decent architect can do to just about any property.

Having a debate with my brother about whether you used to be able to get dark chocolate Yorkies. I'm convinced you could...and they had a red wrapper?

A Cadbury caramel is not something you deploy without thinking for sure but it's a heavy hitter. North Americans are always impressed with a Lion Bar....and a Star Bar is also a good choice.

Just had a request from across the pond to bring over a uniquely British chocolate bar. What would you pick?

Bad feet on display. Gnarled toes, dry skin....yuck.

girlelectric Wrote:

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> Apparently it?s all about ?normcore? these days.

> Hipsters are now being anti-hipsters :)

Really pleased about normcore as I've been rocking that look for close to 39 years. Great to see its finally hip.

Yep. I've met a few types who keep saying the problem with Dulwich is an "oasis" surrounded by shitty areas they don't want to have to look at in order to get somewhere else.

So the charging is basically:

?2.50 Deliveroo charge plus driver tip ?1-?2

For orders under ?15 there is an additional ?2 surcharge. So not good for solo dining but for two people upwards it's only ?2.50 or so more expensive in most cases....a small price to pay to avoid Speedy Pizzas or Magic Wok.

...is the amount I've spent on Deliveroo - mainly on Gowlett Pizzas - since it started in May. That's bad.

Also (Fox take note) I've found the most expensive takeaway on the lane - 3 small dishes from Yama Momo came to ?35. BUT the food we chose was really excellent....

Franklins have started Franklins Wood Fired chickens on Deliveroo - delivering cooked chickens to your door.

Burger Bear - delivered Sat to Tuesday only I think...but excellent - try the angry fries. Chips never deliver well but I still love them.

Other good things about Deliveroo - you can order chips from Sea Cow (now decent again IMO), a pizza from the Gowlett and a salad from Yama Momo and despite getting charged a bit extra it will often all come at once, hot and within 30-40 mins or so.

rahrahrah Wrote:

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> Just thinking my way down the lane:

>

> Cherry Tree - no kids

> EDT - no kids

> Bishop - maybe some kids (afternoon only)

> Actress - loads of kids (afternoon only)

> Toasted - maybe some kids (afternoon only)

> New pop up who's names to awful to mention - no

> kids

> Palmerston - rarely kids

> Franklins - no kids

> House of Tippler - explicit no kid policy

> The Lordship - not many kids

> The Plough - loads of kids (afternoon only)

> The Castle - no kids

> The Great Exhibition - some kids (afternoon only)

>

> I'd say that's a pretty even split. None of them

> have kids in of an evening in my experience.

> Doubtless others will disagree.

Good post and all true.

Best places to take a pram in the eve when the baby is sleeping are spacious and ideally family orientated Italian....Rocca, Olivelli both great.

24 Hour Digital Photos prev of LL....was weird.

"Ready tomorrow?"

"No sorry next Friday is the earliest"

Anyone else reading this thinking "Good on you Sophie...thats nice" whilst feeling terrible about their own romantic efforts of late?

I am.

Romantic for me has to be somewhere that's an antidote to the frenetic energy of London. So rural or small town over another city.

I like Shaftesbury in Dorset...and anywhere within or around the New Forest. If you can tolerate a flight then Scotland. Fly BA from City to Edinburgh then drive an hour or two north....God's own country.

It's just another limp to an eventual exit. It's painful to watch and overly drawn out.

We did it. Temporary kitchen in the lounge. 6 month build became 9. We saved about 15 to 20k as a result but that said I'm not sure we'd do it again tbh. We bought this zip polythene sheeting system to separate downstairs from upstairs and managed to keep some sanity...but the dust always wins eventually and after a while you start longing for a clean house. And that was without young kids.

If you do do it then perhaps divert some of tour notional saving to some holidays and long weekends to break it up and give you some respite. In the end once it's all over you'll soon forget the experience and start enjoying the new space. Good luck.

Interestingly I've just read the budget report...and the treasury estimates that only 1 in 7 landlords will be affected.

Alan Medic Wrote:

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> They are spending ?400k to refurb the place. I just wonder what

> ?400k is going to do that good management can't.

Flock wallpaper, flock dining chairs, the obligatory blackboard "Try trendy craft beer today!, Sunday roasts!" , a half hearted twitter account and Sky TV.

Oh and thanks Loz - you are broadly correct with your example.

miga Wrote:

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> MrBen, could you explain, using hypothetical

> numbers?

I won't as due to multiple variables involved it's not straight forward. I'm in the 45% tax band, several properties are involved, other sources of income and it depends how I'm financed....

The general point is that many mortgaged landlords whose mortgage interest and maintenance costs were covered by rent each month to deliver a profit will now effectively be making a cash-flow "loss" because they subsidising their property in terms of monthly outgoings. Fine if the capital value of the property is rising but they're not at the moment, property is already overvalued and sentiment can change quickly when liquidity wise people are paying out rather than reaping rental profits.

@NewDad - good post above from you fella...nice summary.

DaveR Wrote:

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> Re BTL tax changes, is there anything to stop

> people transferring title to a ltd. co., or

> interposing a company as head lease holder, to

> retain the tax benefits?

Nope but then you'd need a commercial mortgage (higher rates usually0, be subject to corporate CGT terms and corporation tax on profits. Plus all the admin costs / hassles of a ltd co.