LondonMix

I agree with Loz. To be fair my old lend Chelsea offered to put us automatically on the lower valuation amount even though we were a few percentage points above-- Chelsea track the value increase via a Zoopla like tool so even without a revaluation they give you some credit for general market uplift. However, we had done an extension since buying so we went with a brand new valuation and switched lenders as HSBC at that time had the best deal. Between repayments and market uplift Otta you'll qualify for a much better deal now so expect to have a lot more disposable income from 2016 onward!

I think he means marginal costs not the total margin on costs. The marginal costs of selling one more take away meal that without Dliveroo you'd never have sold are minimal (the food, containers depending on the volume of orders. If you start selling a lot of deliveries then you'll need more staff and storage space) The only way it makes sense is if the restaurant believes they'll be making sales that otherwise wouldn't have happened though.

Also, a lot of small restaurants don't want to employ their own drivers. You have a much wider remit I think using one of the delivery services without the fixed payroll costs associated with trying to cover the same delivery area with your own delivery staff. ETA: Deliveroo actually provide the drivers. I don't think the other platforms do.

Otta you?ll definitely be able to get below 4% even for 5 years. You?re in Penge right? Equity builds up faster than you think.

I'm with KidKruger. I fixed for 5 years at 2% earlier this year (rates on offer seemed to have increased a bit since then). Maybe I would have been better on a floating rate contract or fixing for a shorter period but I preferred the security of locking in a super low rate for a long time.

It should be possible to plumb it in the rear reception room in a typical Victorian house. It really depends though. I hope it works out for you. sylviamaria Wrote: ------------------------------------------------------- > I rarely post in discussions on this forum, but... > What an irrelevant post! Please stop judging other > people for their choices in life and let them be! > > > We will be starting a similar project in the new > year and I have found many of the suggestions on > this thread helpful. > > Going back to the original topic: Can anyone tell > me how easy it was to have a temporary sink > plumbed in in their front room to use during the > building works? > > grabot Wrote: > -------------------------------------------------- > ----- > > I agree with Gill and Joe. I am witnessing the > > breakdown of an acquaintance's marriage after > > going through the stress of a building project > > that was essentially a vanity project. If you > > really, really need to go through the stress > and > > expense, then go for it. If you do not and > feel > > that there is any risk that the burden of it > will > > be too great, then my advice would be to run > like > > the wind and put your energies into something > > else...

To those wondering, I asked Admin to lounge this thread. And yes *Bob* even the family room is becoming like this now...

I'm sorry to see this thread has been ruined and I apologise for my unintentional part in that happening. I hope Admin will delete all the off-topic posts so the thread can continue as it had done for the last few months. Believe it or not, figuring out how to live in your house with small children when one or more of the walls is missing and you have no kitchen and it is a building site merits more specific advice than 'be grateful you have a house and can extend it'. My plumber who lives in East Dulwich and has done so for twenty years is considering moving to Bromley (away from all his clients) because he needs more space. He extended his loft a number of years ago but can't imagine living through the building work to do further extensions again downstairs with his 3 children. He is a professional trades person. Living in a house undergoing major structural work is not easy for most people. Of course, anyone who owns a house is fortunate in many ways. However, that does not mean homeowners are not allowed to seek advice and support from each other.

That's annoying. I bank with them. I wonder if another bank will take it over or if the building will be used for something else. I suppose with a branch in Peckham, its not the end of the world.

I've already explained why I pm'd and I still think that was the right thing to do. That thread shouldn't be taken off topic by this nonsense. That happens far too often and while some may enjoy it, I personally find bickering on a useful thread and taking it off topic really annoying. Also, I think mean pointless comments like GillandJoe's are common place in the Lounge (where people are constantly spoiling for a fight) and unfortunately increasingly on the main thread but very rare in the Family Room. I hope this isn't the start of the entire EDF becoming some place for angry people to heap abuse on others who are having an otherwise productive exchange of information and support. ETA- this really is the very last thing I have to say on this thread as I find it a thoroughly useless conversation. intexasatthe moment Wrote: ------------------------------------------------------- > Otta - I can't think of ANY post on the EDF that > is necessary .Mine included .It's a forum ,people > express views . > > Londonmix - "rude and unkind" ? Yes gillandjoe was > critical of other posters . Happens all the time > on the EDF ,why single out this post ? > > You say "GillandJoe would NEVER have the balls to > say that to people's face" but send a PM calling > someone names rather than expressing disaproval on > the thread ? Isn't that hypocritical ?

GillandJoe- like I said, I am American and I meant 'jerk' in the American sense which is defined here. http://www.merriam-webster.com/dictionary/jerk My comment was not meant to be any ruder than that definition. If you took it as ruder because it means something stronger to you because you are British, then I apologise for that and only that. The American term 'jerk' is not anywhere near as rude or abusive as the British term w@nk*r. Like I said, it is more akin to git and isn't very strong. And yes, I would say it to your face (with my original American meeting) if you had said your statement to my face. I have absolutely no desire to meet you and I have nothing else to say on the matter.

Yes, Otta it was in response to that. I said "Stop being a jerk. Living in a house that is having major structural work carried out is hardly easy." This was a thread on which people were sharing tips on the best way to live in house during major structural work with your children. If this were a real life conversation, GillandJoe would NEVER have the balls to say that to people's face because the reaction she would have gotten would have been a lot sharper than what I said. This forum is becoming thoroughly unpleasant and I'm getting rather irritated by people being needlessly rude and unkind to people for no reason as I believe GillandJoe was doing. The only reason I PM'd you was because I thought you might be trolling for attention and didn't want to provide that attention on the public forum and distract from what was otherwise a very useful thread. For that reason above, I will say absolutely nothing more to you about this. People can judge for themselves. ETA: As most of you know, I am American. 'Jerk' in America is more akin to git than anything else and isn't particularly offensive (at least where I'm from).

I agree with the others. Its been great in our house, though it was only installed 2 years ago. I don't know how we'll deal with it once it needs to be replaces or repaired.

Thanks simon, I missed the vehicular traffic qualifier. That makes sense. simonethebeaver Wrote: ------------------------------------------------------- > The quote above says that the 27% is of 'vehicular > traffic' not journeys. I also know plenty of > people who commute by bike but certainly not a > quarter. I personally commute by public transport > and would be terrified to cycle in, having > inherent poor balance that makes me a very wobbly > cyclist. I wouldn't cycle in Amsterdam either.

No midivydale, you don't compromise anything. What everyone else has said up thread is 100% right. Your chances of getting into a school don't change because you put it first or last on the list. There is no need to be tactical. Put the long shot first on your list. A central computer assesses based on the admission criteria of each school on your list which schools can make you an offer. It then looks to see of the schools that can make you an offer, which school is highest up on your list. You don't harm yourself in anyway by putting your most realistic option 6th and your long shot option 1st. In fact, you remain on the waiting list of all schools you didn't get into that are higher up on your list than the one you offered on Offer Day.

BrandNewGuy- are you sure that is how journeys are calculated. I don't think everyone on a bus counts as a single journey. From memory its done per person across all modes of travel. ETA- Anecdotal sampling of my friends in the area suggests that half of them that commute into central London for work use a bike. I / we are relatively young and in white collar jobs so I know that is going to be a relative high percentage compared to the population as a whole. However, I don't find the stat of 27% hard to believe at all.

Its not really M&S though is it. They are tenant rather than the freeholder and quite frankly have no interest in how many flats are being developed. All of that is down the freeholder wanting the maximise the value of his / her property.

Before you posted, the OP already changed her language to parent rather than mother in follow up posts. Trying to reach out directly to those most potentially in need of flexible working hours shouldn't be criticized. Also, there is a way to highlight a potential oversight someone has made without being unkind.

Thanks for the clarification James. That is actually rather annoying but I imagine it must be the most practical solution. So is the Bakerloo line extension definitely not coming via Peckham Rye?

I have the same questions as kford. How would the criminals know which neighbor the package was left with since the slips are put through the front door? Also, did they stop the email notification of purchase and shipping that would be sent to your account? For me that would be the first tip off if I didn't make a purchase and I would contact Amazon prior to the item being shipped. Did they somehow know you were out of town? If not, its a pretty significant risk to try to doorstep delivery driver when the owner might be in. I hope this all works out for you. Any additional details would be very welcome.

I agree with most of this-- however, from my understanding, the furthest distance statistic is for the furthest place offered on the distance criteria alone. It therefore excludes sibling spaces, SEN, and scholarships places. Anyway, just put down 6 schools to reduce your chance of being allocated a place in the far north of the borough where your child will have to commute for longer and not live near his or her classmates. I have no idea what people think should be done. Should the Charter and Kingsdale take over every school in Southwark regardless of how well the existing schools are doing? I genuinely have no idea what people think Renata or anyone else should do . There isn't a shortage of places in the borough yet (not until 2018) and the micro shortage in the south of the borough is being addressed with opening of a new school. Everyone will get a place within a reasonable commute at a good school. There are many schools that are as academically strong as Charter and Kingsdale. Carbonara Wrote: ------------------------------------------------------- > "I don't see the point in putting down unrealistic > choices or schools that are undersubscribed that I > wouldn't let my child set foot in anyway!" > and > The opinion that you should not accept the school > offered on National Offer Day. > > 1. Unless you are CERTAIN that you have 'dead > certs' higher up your list, it really is worth > having a school as a 'fall back'. It is a simple > fact that not every child can fit into Charter or > Kingsdale (for example). If you do not name a > school that can offer you a place on your list of > preferences, you will be allocated any place left > over after everyone else's places have been > allocated. So, after other people have been given > their 'least favourite' you will be offered any > places remaining. > > 2. Accepting a place at a less favoured school: > Accepting a place on National Offer Day in no way > disadvantages you in appealing, or in being on > waiting lists. After March you can go in as many > waiting lists as you like. However, if you turn > down the original offer, the LA has met it's > obligation to find you a place. They will, when > school starts, need to ensure your child has a > place, but it is their legal duty to find a school > place, not THE place that you like best in an > over-subscribed school. It is not in Renata's > gift to alter the law that is the Schools > Admissions Code. Also, sadly, it is not in > Renata's gift to have much influence on local > schools as Southwark have no 'community' secondary > schools any more, and the government will not > allow LAs to build them. > > If you are sure that you can get a place in a > local school, you do not have to fill up every > place. > > Other things to remember: > > The 'last distance' is that on National Offer Day, > it spreads after the waiting lists start to move. > And you can't always be sure of the criteria that > someone got in on - SEN, adopted from care, or > even fraudulent rental application.

This is fir he ELL?

Matthew123, I know how catchments work. My point was simply that the catchment is unlikely to be half a mile given the size of the school and based on the size of the catchment of other schools in this general area. The geographic distribution of secondary school age pupils would need to be exceptionally and almost unbelievably high near the hospital for the catchment to be that small. The school would have the smallest catchment (by almost 50%) of any other secondary school in all of Southwark despite being much larger than other well performing oversubscribed schools.

I'm not worried but given how panicked people get about catchment sizes it was worth correcting that statement. I agree that most kids can walk and even if the catchment is closer 1.5-2 miles, its easily accessible by public transportation.

There is no reason the schools have to have the same admission policy. Admission policy with school federations are often different. As long as they aren't in breach of the guidelines for fair admission its fine. matthew123 Wrote: ------------------------------------------------------- > I read the Guardian story some time ago so > surprised that they have not been consistent in > their reasons for their new school - it seems to > me that the RPH argument on it not being social > segregation can now be dismissed and should be > revisited. As a minimum both schools must have > same policy. Anyway, "safe walking route" is of > course an interpretation, some people might say > the unsafe walkway is actually a safer walk than a > walk where trucks and buses are hurtling towards > you at high speed.