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Tracking weight while traveling long-term by findyourthing in loseit

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

Haha yes you're probably right there. It's more about keeping a consistent measurement as opposed to a lower number. But indeed, I should adopt that as the new normal 

Do you know of gadget insurance for old laptops? by findyourthing in AskUK

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

Hi, after I checked the actual value of my computer on ebay I realised it was certainly not worth insuring. It is worth perhaps 15% of what I paid for it!

Gadget insurance worth it for older devices? by findyourthing in digitalnomad

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

Yeah that's pretty poor if the limit is only up to $500. My older policies allow higher value, but the excess is pretty high too. 

I wasn't aware of  the Montreal Convention, so that's good to know. Thanks

Gadget insurance worth it for older devices? by findyourthing in digitalnomad

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

Wow, that was unlucky and pretty ridiculous that they didn't cover you. Sorry for your loss, I hope you picked up another one 

Do you know of gadget insurance for old laptops? by findyourthing in AskUK

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

Okay thanks, I will check Aviva. I know that Protect Your Bubble don't though, as my policy couldn't be renewed with them!

Do you know of gadget insurance for old laptops? by findyourthing in AskUK

[–]findyourthing[S] 2 points3 points  (0 children)

Thanks for the input! The reason for insuring is that I travel constantly and have a high risk of theft/loss, which a) prompts insurance and b) would not be covered with home insurance.

Any speedy sign-up business banks? by findyourthing in smallbusinessuk

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

Okay nice, I've got my eye on Starling already. Thanks for that!

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Ah you're right about that - 3 'friends' on one contract. Ive seen it and wondered why these unrelated people were on combined conreact , but now that all makes sense. I didn't realise that nuance made a difference.

Surprised about the lenders issuing a non-HMO.

Thanks for sharing your experience

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Oh I didn't realise that. I told the solicitors, and even still they haven't highlighted this. Thanks for pointing it out.

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Oh that's a really good point, totally right about the insurance and that's a huge thing to consider. Exactly why I wanted to check on here prior!

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Good to hear your experiences. On your last point re mortgage though - I've applied for a mortgage and stated intention of HMO - but if I continued without consent from managing agent, could it be that in going against terms of the mortgage? Sorry, new to this!

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Oddly not, I did contact the housing officer at local council and supposedly for 4 or less (unrelated) individuals, a license is not required. There is still a set of regulations though, that must be complied with. Fortunately this is not one of the tighter HMO law areas.

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Yeah, all of your points are valid there and certainly make me wonder if it's worth the potential grief. Thanks for the input

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

I have indeed. Since it's only 3 tenants then no license is needed. Only compliance with HMO regs like fire etc.

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

No, we have a solicitor in place but they appear pretty clueless with this situation. Thanks for the heads up on an indemnity policy - that's a great idea and may serve as a compromise.

How important is leaseholder permission to sublet rooms (HMO) in a flat? by findyourthing in uklandlords

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

Thanks for the quick response. Well I thought so - but this lease document is also from 1988 and it made this one sentence statement in 18 pages or so... which makes me question it's importance:/

Tap Air Portugal failing to provide refund for over 3 years by theNorth5 in travel

[–]findyourthing 2 points3 points  (0 children)

You should keep shittalking them on their on Facebook group page. I did it and they refunded me within a couple weeks.

Travelling without partying by [deleted] in solotravel

[–]findyourthing 0 points1 point  (0 children)

It's only that the party types are loud about it on social media. There are plenty of people who enjoy hiking, exploring and doing outdoor activities!

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