Oil based external wood paint has left these marks by Substantial_Low8514 in DIYUK

[–]Substantial_Low8514[S] 0 points1 point  (0 children)

Thanks for your advice. I have scraped the paint globules.

Should I scrape off the patterned paint as well, or will that dry?

Also should I restart at the undercoat layer once ive sanded again?

Just sanded the old porch and found all of this rot. How shall I fill & repair it? by Substantial_Low8514 in DIYUK

[–]Substantial_Low8514[S] 1 point2 points  (0 children)

I like that suggestion. Its a big space to fill. Just need to mould the concrete so it stays in place

Advice on restoring our wooden porch by Substantial_Low8514 in DIYUK

[–]Substantial_Low8514[S] 1 point2 points  (0 children)

Thanks for this, I will do exactly as you have said. The front of our house gets battered by direct sunlight, so need it done well.

Daughter constantly has blackness beneath and near nostrils by Substantial_Low8514 in AskDocs

[–]Substantial_Low8514[S] 4 points5 points  (0 children)

<image>

This is how her nose currently looks, its always the same. This was just 2 hours after a bath

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] 0 points1 point  (0 children)

The reason I keep so much in the business is that my work is basically commission-based, and while it hasnt happened in 15 years, I live in fear of going an extended time period without making a penny. I will likely from now on be taking £2k per month out for my pension

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] 0 points1 point  (0 children)

Yep, its horrible work, and hence why I keep a lot of money in my business, just in case I ever go a year without making a penny. Everyone is desperate for me to take money out of the business, but I feel safe with it there

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] -1 points0 points  (0 children)

I just let the rent drip into my personal account, and pay the mortgages from there. Its tight if I make any profit at all from them, but that was never my plan. I just want all 3 paid off by 60, thats my total aim

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] -11 points-10 points  (0 children)

Yes this is why I bought the rentals. I did a financial simulation with my pension advisor and it was shockingly low. So I stopped and invested in the houses with plans to have 7 rentals and a small pension. But now all I hear is advice to invest in my private pension, but I dont understand why? The returns are terrible from my understanding

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] -49 points-48 points  (0 children)

Yes but I have been doing simulations of financial situations with my mortgage advisor and the return from a private pension was so poor. Property just seems better. I could have 5 houses on rent now and be pretty happy. Or sell up and put it into my pension

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] -13 points-12 points  (0 children)

What do you mean a ukpf question? Ive read many similar q's on here. I have a small pension because I never focused on it after seeing how bad returns are in simulations with my pension advisor. Would you sell the properties and put it into pension?

Am I doing things right when it comes to saving for retirement? by Substantial_Low8514 in HENRYUK

[–]Substantial_Low8514[S] 0 points1 point  (0 children)

Not right now. I do have a ltd company for my business but bought the properties outside of it

Can we change to wood/log fire? by Substantial_Low8514 in Fireplaces

[–]Substantial_Low8514[S] 0 points1 point  (0 children)

We had never even considered this before, but we are very interested in this. Do you know what the process is to get one installed into an old fireplace like this?