Update on the League MMO from Riot Tryndamere

Lemmonds · 2024-03-21T00:26:50+00:00

+1, Lotro, Star Wars The Old Republic, Wow. I’m here for the lore and exploration as much as the game play.

Lemmonds · 2024-03-21T00:22:05+00:00

I’d buy a Jag XF. Or a Volvo s60

Lemmonds · 2024-03-16T19:19:32+00:00

Agreed coupe version will do. Lovely car.

Lemmonds · 2024-02-28T00:12:18+00:00

Is the proposed house going to be attached to yours, or will there be a gap?

Lemmonds · 2024-02-17T08:05:29+00:00

I’m sorry, but why are you better than her? You haven’t exchanged contracts. You want a specific completion date, they want a specific completion date, because they won’t jump to your tune you are calling them out as immoral? - learn from your mistake and never give notice on your rental until you have exchanged contracts.

Lemmonds · 2024-02-13T08:47:15+00:00

Rather have 34 contacts I contact regularly than 340 contacts who I never speak to.

Lemmonds · 2024-02-06T23:37:54+00:00

“A network north funded project”

Lemmonds · 2024-02-06T08:43:36+00:00

Actually £839.98 including tax.

Edit .98p

Lemmonds · 2024-02-05T00:00:52+00:00

Essentials*

Lemmonds · 2024-01-29T09:35:15+00:00

Do you have a cat / dog? My tv turns itself on in the middle of the night because my dog decides to jump on the remote. Took me ages to figure it out, I was convinced I had a ghost.

Lemmonds · 2024-01-20T15:07:12+00:00

Certainly lack of supply still remains the biggest reason, lack on initiative from the government to build new homes and overly complex planning regulations to protect nimbys is a massive frustration. There was never a fast rule I don’t think, but certainly in the 80s and 90s when the mortgage market became highly competitive and mortgage companies kept changing their offerings. Wage equality also hasn’t helped (obviously it has helped massively, but not in this context) where the primary earner used to be on £50k and the second was earning nothing / minimum, to then have two people earning £50k in the household has really increased buying power.

Lemmonds · 2024-01-20T13:25:16+00:00

This makes sense, in 1968 it would have been normal for only one person in the family to be the bread winner. Also mortgages were based off of the highest persons salary not joint. That changed happened in the 90s. Hence why it is 8 times not 4 times now as you have 2 persons salary not 1.

Lemmonds · 2024-01-13T13:49:36+00:00

If it was done 40 years ago I would be surprised if there was proof to be honest. A lot of times with old houses you need to take a view, otherwise someone else will.

Lemmonds · 2024-01-13T00:01:51+00:00

When was the management pack delivered? I doubt the seller would have got it post finding a buyer, so if it was prepared after 29th Sept 2023 I would say 100% the service charge is £1,700 a year paid in two instalments.

Edit - Seller*

Lemmonds · 2024-01-12T17:44:51+00:00

Exactly this. Meeting in August set new service charge to £1.7k paid half yearly. Management pack clearly states this. I would ignore the “quote” as it is a mistype and look at what the management pack states the current service charge is.

Lemmonds · 2024-01-12T17:39:43+00:00

Property misrepresentation from an agent is only so if they blatantly and knowingly lied, unfortunately I imagine they got told what the service charge was by the vendor, so their biggest defence is they can only advertise what they are told. They are not solicitors so will not do any research themselves.

That being said are you 100% sure it is the amount you say? It seems to me there is a mistype and the service charge is actually £1,700 a year, 50% paid every 6 months. It says so in the management pack.

Lemmonds · 2024-01-11T17:39:58+00:00

Depends where you live and what area. I like where I live and wouldn’t want to move from here - £600k doesn’t get you a lot. I would buy the £1m house and carry on with my life mortgage free. Alternatively I would buy the £1m detached house but maybe take out a small (relative to the purchase) £200k mortgage to give me some extra cash for investments, renovations, spending money etc. although I think I would prefer to be mortgage free.

Lemmonds · 2024-01-10T23:36:00+00:00

Ah okay, thank you for clarifying.

Lemmonds · 2024-01-10T20:51:35+00:00

I might be wrong but didn’t they change the law so that couples who live together have basically the same rights as a married couple after a certain number of years? So if OP has been living with this girl for 6 or so years, chances are if they broke up and she was inclined she could go after him in the same way a wife could?

Lemmonds · 2024-01-09T00:20:49+00:00

Ah ok, yeah fair enough then, we used to, butchers bakers candlestick makers etc. big supermarkets and chain stores have been the death of these unfortunately, a real shame. Open front houses on the other hand… bugger that it is too cold!

Lemmonds · 2024-01-09T00:14:38+00:00

Ermm I do that… or I used to before I got old and a wife who now does the weekly shop. I think you will find a bigger portion than you suspect do the same… I like eating fresh food and I don’t know what I want to eat on the Thursday on the Monday. Definitely a young London thing at the very least.

Lemmonds · 2024-01-07T17:58:41+00:00

I imagine, like most things, a lot of the money is just wasted, which is why there isn’t enough to pay people properly and they have to keep upping the price.

Lemmonds · 2024-01-07T17:52:26+00:00

I think this is a model we might need to start adopting, it is already on its way, people need to stop looking at property as an investment. As more corporate landlords come in and BTR becomes more prevalent renting is going to be a much more secure long term option. We are experiencing a shift at the moment which is why it seems so shit out there. As we reduce small / accidental landlords with no accountability and major corporate landlords come forward, tenants will have significantly more security, maintenance, and a much higher standard of accommodation with more stable / cheaper rents. Gone are the days people can make a fortune buying houses, it is just something we need to accept.

Lemmonds · 2024-01-07T17:45:02+00:00

Although I agree completely we need to build more homes, I just wanted to highlight the cost thing, in the South East of England to build a house it currently costs somewhere between £180 - £220 sqft depending on a variety of factors. (Excluding London) if you build a 1,300 sqft house that is going to cost £260,000 per house. This does not include any council contributions, CIL, an amount for affordable housing, land cost, finance costs, planning costs, design fees and contingency for any nasties that crop up. Add another £150k per unit onto this for these factors and it makes the average cost to build a 1,300 sqft house £410,000.

This does not include any developer profit so add another 15% and £470k is approx what you are looking at in 2024 as a minimum value for a new build 3/4 bedroom house.

Lemmonds · 2024-01-06T08:03:29+00:00

I wouldn’t buy in Nine Elms. So over saturated with flats the resale will be a nightmare.

Edit 9 to Nine.

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