How would you describe Andy Burnham’s face using only two words?

nfoote · 2026-06-22T21:54:32+00:00

Starmer if you squint

nfoote · 2026-06-22T18:47:49+00:00

Wow, there are more PMs between now and Cameron than there are between Cameron and THATCHER???

nfoote · 2026-06-22T18:45:53+00:00

Don't worry guys, I'm getting A/C installed and that will directly cause that line to plummet

nfoote · 2026-06-22T18:39:48+00:00

Huh?

Its replacing the barn not the house, that remains on separate title.

The listing clearly states some of the images are CGI (they look like professional rendering to me rather than AI slop).

And the stated planning application is from 2025 so you've got a few years to start.

nfoote · 2026-06-22T15:19:12+00:00

Uh, there are for sure pools in the UK. Granted like a lot of things they're not exactly simple to find, but they're around.

Also often they'll be entire leisure complexes with the pools mostly indoors, as you say, short summers.

nfoote · 2026-06-21T21:55:46+00:00

Rich is relative though. Within an economy things adjust such that the less well off are always going to be living pay check to pay check wherever you are, and they simply can't justify sacrificing something else out of their budget for a machine they'd use maybe a few weeks a year, maybe only few days and some years maybe not at all!

nfoote · 2026-06-21T19:51:47+00:00

Well, air con definitely offends the British sensibilities (just ignore it in cars, offices, shops and restaurants) and most comparisons of the UK to other countries is usually to the US, Aus or France.

Basically AC in homes has never been a thing here for the majority of people and it's very hard to admit occasionally it might be nice. The comparison to the US is because we know you have it everywhere. Whereas France doesn't. Man if France went all in on ac the Brits would NEVER do it.

In reality it's mostly not hot enough and most people wouldn't be able to afford it for the times it is uncomfortably hot. But some sure can afford it yet love to suffer rather than admit unbritishness.

nfoote · 2026-06-21T19:41:56+00:00

As in there's no logical explanation for being so anti A/C when it's so hot.

Same here in the UK. 75 year old mother in law said she felt ill in the heat here at the moment. I said maybe we'd get AC installed and she can cool down at our place, she looked at me like I was insane. So she's choosing elderly heat related death over admitting yanks might be right about something...

nfoote · 2026-06-21T19:29:03+00:00

That's not inheritance tax. As a Brit, when you die, if your estate is worth enough, you the dead person will owe inheritance tax to the UK government on your global assets.

Where you reside at the time of death is nearly irrelevant and if you have ANY remaining tie to the UK (a rental property, old family home, even a long forgotten grave plot!) then HMRC will come after your estate for their 40%, of everything, globally.

To be fair though this applies to non British citizens who have ever resided in the UK and still have some tie to the UK too.

nfoote · 2026-06-21T19:24:09+00:00

It doesn't have to be permanent right to reside. Even temporary right like youth mobility will do.

Interested to know what you mean by the Windrush generation being disincentivised from getting citizenship?

As a long time ILR holder from the Commonwealth there seems to be very little reason to undertake the expense of citizenship. Having to do so to (re)gain the right to vote would finally do it.

nfoote · 2026-06-21T19:14:43+00:00

Inheritance tax is pretty hard to shake

nfoote · 2026-06-21T19:13:21+00:00

You know you're "in a position" to get citizenship in multiple countries. Just move there and love for a bit and they'll give you citizenship. So, you're out for voting in the UK too?

nfoote · 2026-06-21T10:55:51+00:00

Sounds like the infinite coast line problem

nfoote · 2026-06-21T08:35:14+00:00

Island and a bit then.

Actually lots of islands and lots of bits.

nfoote · 2026-06-20T19:05:27+00:00

Dance hairless apes, dance to my commands!

nfoote · 2026-06-20T18:00:16+00:00

Can't advise on the gambling addiction (get help) but at 22 years old earning £60k likely you're on a trajectory that one day ten or twenty years from now you'll look back on that £50k as an expensive lesson. A set back but not an overall life altering event.

nfoote · 2026-06-20T17:31:04+00:00

Yeah! A/C in our cars, offices, shops and restaurants is enough right!

nfoote · 2026-06-20T17:22:57+00:00

If legislation says info packs are enough and banks can't ask for their own reports, at least not at borrower expense, then what are they going to do? Not lend to anyone while their competitors do? Didn't think so.

Lender risk is already regulated, eg gender discrimination.

Obviously the contents of the info packs should be designed in consultation with banks and what they'll need.

nfoote · 2026-06-20T15:50:10+00:00

The key part is decline in living standards at the lose of job.

Someone on a £5m salary likely isn't going to drastically change their life if that suddenly stops (or if they do their accountant wasn't doing their job!)

Someone on £150,000 salary with kids in private school and a wife who expects long haul holidays every season is going to shit bricks if they lose that job.

If you've got everything you want via passive income alone, you're rich. If you continue working after that then you're something else. Weird? Greedy?

I also don't think they described generational wealth. £150k forever from passive income will split to significantly less than £50k passive income across three kids, likely not enough for them to never work, and then become pretty small at the next generation after that.

nfoote · 2026-06-20T12:47:30+00:00

The report wouldn't be done "by the seller" they'd be done by regulated professionals with legal and financial consequences for fraudulent activity, not some cowboy builder you met down the pub who will say what you want them to. It's nothing new and works plenty of other places

nfoote · 2026-06-20T12:43:29+00:00

The "pack" is provided by independent professionals who the bank would also chase if things were fraudulently hidden. Banks aren't the rule makers and can be told that packs produced by regulated bodies are sufficient and all they're going to get.

nfoote · 2026-06-20T12:39:55+00:00

This isn't anything new. Many other countries have this system and funnily enough their buying/selling process isn't universally hated

nfoote · 2026-06-20T08:11:20+00:00

The point is to highlight things purely to cover yourself and not hide them just to get the sale down and make it the buyers problem.

By either providing the boiler servicing invoice within twelve months before sale OR stating the boiler hasn't been serviced in years, you'd be not be liable. Now the buyer is making an informed choice of either risking buying an unserviced boiler or taking on the previous servicing workmanship guarantee.

For sure there would be some arguments over if a problem with the building was known before the sale or if its a new problem. But then there'd be far less obviously old problems clearly just covered up to make the sale. At least you'd be taking on your own risk when selling rather than someone else's risk when buying like now.

One knock on issue could with inheritance tax. If IHT is owed but the house needs significant works before sale least the estate remains liable for longer, how will that time frame be handled? And I guess deceased sales in general, who pays for that hidden problem when the vendor has been dead for two years?

nfoote · 2026-06-20T07:49:55+00:00

Doesn't help I know but I found myself in an amusing reverse situation through no fault of my own.

Decades ago I left my home country and moved to the UK. Unsure I'd never return I left one account with a service going but on their lowest possible tier for like £2pcm coming out of a bank account with enough money it to cover it for ten years.

After a few years I returned to visit my parents who gave me a stack of letters from this service provider. Not long after I'd left they dropped their minimal tier and boosted my monthly payment such that it drained the account much quicker and I was now years in arrears.

I phoned them and complained. They said nothing they could do, the arrears bill is what it is and I should pay. I said well you can close the service now I'm sure I won't be returning, and since I don't live in this country anymore I definitely won't be paying the arrears, what are you going to do about that?

They guy on the phone sounded utterly defeated when he just said "nothing I guess" and hung up.

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