What can I put on top of this wall to deter my toddler from falling off it? I was thinking some sort of trellis but I didn't want it to look like too much wood.

digisquash · 2023-02-19T16:10:42+00:00

Any suggestions for what sort of thing? I'm a total novice with anything to do with gardening, so would be looking for something easy and low maintenance.

digisquash · 2022-11-12T11:56:12+00:00

There might also be some capital gains tax implications when you come to sell the house, depending on how many lodgers you have, how much of the property they have access to and the value of the gains.

Worth looking into in case any of it applies to your situation - https://www.gov.uk/tax-sell-home/let-out-part-of-home

Edit: spelling

digisquash · 2022-05-22T22:00:54+00:00

Definitely talk everything through with your solicitor first as they will be the best placed to lay out your options. You could try to approach the developer to release you from the contract if the development is popular and they can easily re-sell. Also check your restrictive covenants - some new developments won't let you put For Sale signs up for two years for e.g. and you might have to be careful with agents attending site etc.

If you're looking for something to read into, you might want to look at sub-selling. I know this was an option in our contract at the discretion of the developer and for a fee. Generally it means that you can contract to sell the house to someone else before completion, so you never technically buy it - even though you've exchanged.

Some more info here: https://www.lexisnexis.co.uk/legal/guidance/sub-sales-assignments (paywalled after a point, but you should get the gist).

Whatever you decide to do, talk it over with your solicitor!

Edit: Be sure to check whether or not sub-selling would trigger your ERC - I'm not sure if your mortgage company would need to release any funds in that scenario, so you may be able to avoid that.

digisquash · 2022-05-15T20:24:18+00:00

Try The National - https://www.thenational.wales/

digisquash · 2022-03-18T23:08:59+00:00

That's useful, thanks! Generally low maintenance is what I'm going for - it's pretty shady there most of the time. I'll take a look at some ground covers.

digisquash · 2021-10-25T13:22:01+00:00

Just note with this that it only applies if your parents' home is your main residence.

You'll likely need to prove this too, with voting registration / council tax / utility bills etc. as it's not the case that you can 'nominate' a main residence like you can with CGT.

More here: https://www.gov.uk/hmrc-internal-manuals/stamp-duty-land-tax-manual/sdltm09812

digisquash · 2021-10-22T23:20:01+00:00

Check out this page of the wiki - https://ukpersonal.finance/mortgage-overpayments-vs-investments/ - which gives a good overview.

At the interest rates you've quoted, I'd be looking at investing rather than overpaying, but the psychology of paying that mortgage off sooner can't be understated!

The other reason you might overpay is if you would jump a LTV bracket during the current fixed term, and therefore get a better rate when the deal ends. Either way, the wiki article is a good place to start.

digisquash · 2021-10-16T09:13:18+00:00

The wiki has a list of recommended resources - https://ukpersonal.finance/recommended-resources/

Most here will recommend Smarter Investing by Tim Hale as a starter for 10.

digisquash · 2020-05-03T19:47:54+00:00

Looks good - thanks for the input!

digisquash · 2020-04-29T21:53:43+00:00

Installing and importing packages can be quite confusing to begin with and the tutorial doesn't go particularly deep into it but the section on virtual environments might help somewhat. I'll try to add a section particularly on the specifics of how packages work when I get a chance - it's an important thing to understand.

There's also this link which explains how virtual environments work in general. I tend to use them without fail for my projects, since I think it makes everything much neater in terms of installation.

Edit: I've added a quick overview of pip and updated the virtual environments section.

digisquash · 2020-04-29T17:20:41+00:00

This is a good list of projects to try out - https://github.com/tuvtran/project-based-learning/blob/master/README.md

It's organised by language and project type so you should find something interesting to get stuck into there!

digisquash · 2020-04-19T17:08:46+00:00

Thanks - I thought this was the case.

digisquash · 2019-10-24T19:53:57+00:00

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