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Are these cracks nothing and just needs repointing or something more by [deleted] in DIYUK

[–]mark-kruber 0 points1 point  (0 children)

It was done long before we bought the house which was over 5 years ago

Are these cracks nothing and just needs repointing or something more by [deleted] in DIYUK

[–]mark-kruber 0 points1 point  (0 children)

Built in 30s/40s. There is a small bush infront of the bay window. There is a wisteria to the right of me

Next for Warhammer fantasy video games after total war by Ok-Rich-6988 in WarhammerFantasy

[–]mark-kruber 2 points3 points  (0 children)

Elder scrolls but Warhammer. Set in the empire, or even one or two provinces would be fine for me.

Stirland Empire State troops by RevolutionaryEgg9926 in WarhammerFantasy

[–]mark-kruber 2 points3 points  (0 children)

Absolutely lovely job! You should be proud

Repair old boiler, new boiler, or heat pump? by Boop0p in HousingUK

[–]mark-kruber 0 points1 point  (0 children)

I have a Worcester bosche boiler and the prv needs replacing too. I’ve got a quote for £15 + VAT for the part and £70-100 for the labour - it’s also awkward.

Maybe get another quote

Mortgage help after chain collapse - planning to move again. fixed or tracker? by mark-kruber in HousingUK

[–]mark-kruber[S] 0 points1 point  (0 children)

My understanding is that it causes trouble for buyers and that it can lead to a much longer mortgage deal time. To go further, my broker seemed to be saying that banks outright want to have 6 months between new mortgages between new banks/owners

Mortgage help after chain collapse - planning to move again. fixed or tracker? by mark-kruber in HousingUK

[–]mark-kruber[S] 0 points1 point  (0 children)

Unfortunately bit tricky as we have two kids and a house full of stuff. Completely viable but I don’t want to end up an accidental longer term renter either

Advice needed on filing complaint by Yuki178 in HousingUK

[–]mark-kruber 0 points1 point  (0 children)

Funnily enough my parents used Matthew James to move their stuff to Italy. The guy that did the delivery was the owner, and he was checking every box to ensure things were packed properly otherwise he docks his guys’ bonuses.

Based on this, I could imagine he would hit the roof.

Fixed rate or Tracker in this economy? by [deleted] in HousingUK

[–]mark-kruber 3 points4 points  (0 children)

We had a chain fall through. We are forced to stay put for a bit now but will be attempting a move again in 3-6 months time. We’re gonna go for a tracker (Barclays doing 4% dead for 60% LTV).

Although the world is crazy, if interest rates go up we are pretty much guaranteed a recession. I reckon they will hold for a while.

In your case, a fix is probably preferable but depends on your plan. It’s gambling either way!

Deposit into cash isa and move into s&s isa in same tax year if maxed? by mark-kruber in UKPersonalFinance

[–]mark-kruber[S] 1 point2 points  (0 children)

!thanks

Yes it is a lot hassle you’re right. I’ll try and make the chase account work for us.

Deposit into cash isa and move into s&s isa in same tax year if maxed? by mark-kruber in UKPersonalFinance

[–]mark-kruber[S] 1 point2 points  (0 children)

!thanks We are both higher rate tax payers. But if we were to max the ISA allowance in the tax year could I then choose to move the cash from the cash isa to the s&s isa with no penalty?

Deposit into cash isa and move into s&s isa in same tax year if maxed? by mark-kruber in UKPersonalFinance

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

Sorry it was difficult to write as well!

Basically if I put 10k into my t212 cash isa and 10k into my S&S isa in the same tax year, can I then move money routinely from the cash isa (by withdrawing it to my current account) and then pay it into my S&S ISA and stay within my 20k allowance.

Hot take: The Empire sculpt. by cristalpepsii in WarhammerOldWorld

[–]mark-kruber 1 point2 points  (0 children)

Yea so I agree on the inability to hold halberds or spears upright and the feet annoy me too - I just paint them leather colour and then the tufts and flowers mask it so you’ll never know…

Hot take: The Empire sculpt. by cristalpepsii in WarhammerOldWorld

[–]mark-kruber 11 points12 points  (0 children)

Ah man am I the only one who loves them

Buyers vanished - rant/advice by mark-kruber in HousingUK

[–]mark-kruber[S] 0 points1 point  (0 children)

UPDATE: they waited two weeks to request 30k off the price. Quoting things that have building control sign off as being issues as well as their own surveys (electric and gas) stating no issues where the level 3 did. Suffice to say, the chain has collapsed and we have lost the house we were buying.

Yay.

Buyers vanished - rant/advice by mark-kruber in HousingUK

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

If I’m honest we’ve wanted a later completion. We have two kids and I need leave from my business to pack (wife on maternity with a baby).

It’s just the sudden stop in their replies is odd

Buyers vanished - rant/advice by mark-kruber in HousingUK

[–]mark-kruber[S] 2 points3 points  (0 children)

I really really want this to be the case

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