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    • another casualty
    • By another casualty 28th Oct 15, 9:15 PM
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    another casualty
    Quit everything , and start again over 50?
    • #1
    • 28th Oct 15, 9:15 PM
    Quit everything , and start again over 50? 28th Oct 15 at 9:15 PM
    Hello everyone. Haven't been on here for a few years, but this is my second thread tonight
    My situation: Lovely 2 bedroom maissonette in Twickenham , complete with garden and parking space .
    Know virtually nobody here now . (people moving away etc)

    Working : permanently employed Salary £24,500 + ot

    Debts: inc. mortgage £105,000 approx

    Property worth : £400,000 approx.

    I have had 7-8 years of hell , and I know I'm not the only one
    Haven't had a holiday for years. Been in debt for years, before getting a DMP in 2012.
    My friends are moving away / married etc.
    The place of employment , was a place I didn't want to be in for many years . Joined as a temp in the recession 2007 , and made perm 2009. Things have improved in one way, but are bad in another. For example, my backstabbing colleague and my self get on now since 2012. My boss retired , and now the Personnel officer
    is now my boss.She is rude and incompetent.
    My health suffered last year, and I now have Myasthenia Gravis and am slowly getting back on the mend via steroids.Oh, and I put my brother up for 5 years. He paid £400 a month, but not all at once and I was always chasing him. He was a nightmare , but I have my space back now
    So, with all of the above , I do wonder if I should just quit and start again.BTW, my boss criticised my appointments, I snapped and am now on a final warning for 2 years. I didn't swear/threaten etc. I just shouted as colleague to boss.
    My friends say that I cannot afford to live in London and should buy a place somewhere else and put a sum of money away.
    They even say that I could sell my flat and go travelling for a couple of months. Am I too old for this now?

    I must admit I am getting fed up of London , but I have lived there all of the time , mainly the Borough and Twickenham.
    I wouldn't want to move to anywhere else in London . Twickenham is very pricey as you know.

    Please feel free with suggestions you may have, and thanks for looking




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    Last edited by MSE Andrea; 31-08-2016 at 1:02 PM.
Page 210
    • Worrierwalker
    • By Worrierwalker 16th Feb 17, 7:59 PM
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    Worrierwalker
    Hi again everyone on this brilliant thread.

    Ac- re the breathlessness, are you feeling anxious? I've been breathless the last couple of weeks but put it down to anxiety to do with getting the house we're buying to the point of exchange. I heard on telly that anxiousness can make you breathless.

    Have to say I'm enjoying rug gate- it's very Adrian Mole-ish- here I go likening you to a book again- don't mean to.
    • lessonlearned
    • By lessonlearned 16th Feb 17, 8:04 PM
    • 9,214 Posts
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    lessonlearned
    Thanks LL
    I'll have my dinner after the local news . So different from London, with far less stabbing . Fred Dinage , sagheeta etc . Make news interesting.

    My breathlessness , is bizarre . I'm not walking around wheezing loudly . It's more me feeling it internally .
    LL , I can see your artistic side
    In hindsight, I think psychology wouldve suited me as a career .
    Years ago, I would've said personnel, which is now Hr .However, that would've given me a very wooden personality.
    Originally posted by another casualty
    Not too late to study physchology and take up a new career.

    You can be an 80 or even 90 year old psychologist, writing books, conducting seminars, seeing clients. It's one of those careers that doesn't rely on physical fitness. It's your brain that does the work. I think it would be excellent choice.

    I'm sure there are plenty of part time courses.
    • another casualty
    • By another casualty 16th Feb 17, 10:40 PM
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    • 2,936 Thanks
    another casualty
    Hi again everyone on this brilliant thread.

    Ac- re the breathlessness, are you feeling anxious? I've been breathless the last couple of weeks but put it down to anxiety to do with getting the house we're buying to the point of exchange. I heard on telly that anxiousness can make you breathless.

    Have to say I'm enjoying rug gate- it's very Adrian Mole-ish- here I go likening you to a book again- don't mean to.
    Originally posted by Worrierwalker
    Hi Dan . No , I don't get anxious . Obviously, had the most stress ever in 2015/16 so tension was everywhere .
    No, the breathless thing is part of myasthenia Gravis . It comes and goes. I don't get it hugely .
    I have a friend who suffers from anxiety .
    I feel very calm now. Not feeling much stress about the potential flat in buying . I was running on adrenalin for so long . Now my sleep patterns are out of the window . Myasthenia makes you lethargic.
    I'll get there .
    • another casualty
    • By another casualty 16th Feb 17, 10:43 PM
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    • 2,936 Thanks
    another casualty
    Not too late to study physchology and take up a new career.

    You can be an 80 or even 90 year old psychologist, writing books, conducting seminars, seeing clients. It's one of those careers that doesn't rely on physical fitness. It's your brain that does the work. I think it would be excellent choice.

    I'm sure there are plenty of part time courses.
    Originally posted by lessonlearned
    May look into that at some point
    I missed out on doing many things because I was always working long hours and socialising all the time .
    Taking this step back , may get my brain doing more constructive stuff
    We shall see
    • dreaming
    • By dreaming 17th Feb 17, 10:37 AM
    • 593 Posts
    • 2,617 Thanks
    dreaming
    Morning AC et al.


    Definitely agree that it's never too late to learn new things. I went to a grammar school back in the day but wasn't encouraged to aim high. In fact in my family any attempt to "improve yourself" was met with snorts of derision and I was often told that "people like us don't...(whatever)". So I left school with 4 'O' levels and went to college to do child care (mainly because my best friend was doing that), then dropped out and got a job in an office until I married and had children. I was then a housewife and mum for several years before going back to office work. Somehow I found myself in a really well-paid job that I was good at and after my marriage broke up I decided to start an OU course (my husband had always discouraged me before). Well it was very hard, working full-time, doing up my little terraced house and studying but I kept at it all through the recession when we were working crazy hours (I worked in finance), and after 8 years, at the age of 50something, I got a degree in Sociology and Criminology. The subject wasn't particularly relevant to my career but it made me a better worker (time management skills etc.) and I eventually ended up as manager of a small team until redundancy/retirement. Since then the cost of the OU has gone up but it was definitely worth it for my self-belief if nothing else. Nowadays I am a big fan of Futurelearn courses which are free. My main interest is literature but I have done all sorts. They re very good - have a look https://www.futurelearn.com/.


    My challenge today is to get to the supermarket and back without grumbling (I hate shopping), then to clean the over. Envious?
    • another casualty
    • By another casualty 17th Feb 17, 11:39 AM
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    another casualty
    Hello dreaming
    Cleaning the oven . My oven broke a few years back. Ended up getting a cheap halogen oven. Too small , and I burnt my hands now and a gain.
    Still , something I have to consider . I believe you can get self cleaning ones? I may do online supermarket shopping when I move .

    I'm off to boscombe . Friend who lives in Farnham wants to see a band there end of March . I've gotta get tickets .
    • dreaming
    • By dreaming 17th Feb 17, 12:41 PM
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    dreaming
    Well, failed at the shopping with no grumbling. I do use online as well when I stock up on stuff like tinned tomatoes/baked beans/kidney beans/rice/pasta etc. once a month, but prefer to pick my own fresh stuff. Plus the supermarket is only 5 mins. away by car so saves me the delivery charges. I can actually walk it reasonably quickly but coming back up the hill is not on with shopping bags as well.
    My next oven will be a self-cleaning one (and a double one too) but am trying to make this one last a bit longer. Have looked at the halogen ones - some people seem to be able to cook for hordes with them but there isn't much worktop space. The hob is also on its last legs- cheap. basic oven/hob were fitted about 3 years before I moved in so about 10 years old now. Having seen one in action I quite fancy an induction hob (although would have to get new saucepans) but that then requires a new worktop, so needs to be considered before splashing the cash. I have money tucked away for such things but am still quite cautious.
    You seem to be getting out and about a bit more now so that's good. Hope you get the tickets and enjoy the trip to Boscombe. It almost feels like spring out there today.
    • Verbatim
    • By Verbatim 17th Feb 17, 1:00 PM
    • 4,360 Posts
    • 12,162 Thanks
    Verbatim
    I've been warned that the self cleaning doesn't last more than a few years.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • harz99
    • By harz99 18th Feb 17, 1:48 PM
    • 2,329 Posts
    • 2,228 Thanks
    harz99
    Good afternoon all.


    AC, have you had the survey through yet, I assume you can access it on line? Any 2s or 3s in it?


    Relating to the wood floor discussions - I'm a little confused, are you referring to cleaning up/sanding and sealing existing floor boards, or are you contemplating installing new wooden flooring over what is already there?


    If the latter, personally I wouldn't do it. In a building of that age it would be normal for the ground floor to have floorboards atop joists suspended above the ground itself (unless the original floors have been taken out and the void sealed and filled with concrete). Such a floor may well have slight undulations and imperfections, or even a slight spring, all of which will be absorbed far more easily by underlay & carpet, much less so by wooden boarding.


    FWIW, I would be far more inclined to lay a good "heavy domestic" grade carpet with a 10year guarantee above a good deep underlay, which with light use (single person/no kids)should last well beyond the guarantee period. It will be warmer, more comfortable, have reduced noise levels and easier to keep clean and less problematic than wood strip flooring.
    • another casualty
    • By another casualty 19th Feb 17, 10:03 AM
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    • 2,936 Thanks
    another casualty
    Good afternoon all.


    AC, have you had the survey through yet, I assume you can access it on line? Any 2s or 3s in it?


    Relating to the wood floor discussions - I'm a little confused, are you referring to cleaning up/sanding and sealing existing floor boards, or are you contemplating installing new wooden flooring over what is already there?


    If the latter, personally I wouldn't do it. In a building of that age it would be normal for the ground floor to have floorboards atop joists suspended above the ground itself (unless the original floors have been taken out and the void sealed and filled with concrete). Such a floor may well have slight undulations and imperfections, or even a slight spring, all of which will be absorbed far more easily by underlay & carpet, much less so by wooden boarding.


    FWIW, I would be far more inclined to lay a good "heavy domestic" grade carpet with a 10year guarantee above a good deep underlay, which with light use (single person/no kids)should last well beyond the guarantee period. It will be warmer, more comfortable, have reduced noise levels and easier to keep clean and less problematic than wood strip flooring.
    Originally posted by harz99
    Thanks harz . I'll bear all this in mind. Not got results of survey yet.
    I'm just going with the flo. I'm probably getting ahead of myself with the flooring . What I don't want to do, is find myself skint and unable to afford a carpet in the future , should I need one or if I move again.

    Friday, venue closed so I couldn't get tkts in boscombe .
    May get them online, but I'm not too fussed tbh.
    Met up with friend at lunchtime for a swift cider.

    Forward onto yesterday, a few ciders too many .
    Shan't be repeating that again. Still, I insisted
    • another casualty
    • By another casualty 19th Feb 17, 10:14 AM
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    • 2,936 Thanks
    another casualty
    AC it was far more interesting than the novel I was reading. I will continue reading your adventures to see how it all works out for you and your friends on here.
    Originally posted by Worrierwalker
    Just realised. I was calling you Dan . He has a similar name to yours .On a different part of m s e sorry about that.
    When you get to a certain age ...
    • harz99
    • By harz99 19th Feb 17, 12:34 PM
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    • 2,228 Thanks
    harz99
    AC this may interest you, but if your going to do it make it soon rather than later, and certainly before the Budget on March 8th in case things change.


    http://www.hl.co.uk/pensions/sipp/how-much-can-i-invest


    Basically invest the total of your earnings this tax year, hold it in cash, the Government will add an extra 20%, then once you reach age 55, move the pot into drawdown, take the maximum lump sum and the rest over however many months you wish from the options.


    If you need help go over to the Pensions section of Essential Money on this site, plenty of help there.


    Been doing something very similar for my wife who is a non taxpayer and gets £720 extra on £2880 paid in.


    The extra you get would pay for those carpets...
    • another casualty
    • By another casualty 19th Feb 17, 1:10 PM
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    another casualty
    Thanks harz . WIll look into that
    • another casualty
    • By another casualty 20th Feb 17, 7:04 AM
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    another casualty
    I have received the survey report.
    It was sent , just before midnight . Bottom line is, there will be cost and inconvenience involved which I should be prepared for .

    Main causes for concern: boiler in the small bedroom must be moved ,and is considered dangerous . I mentioned it being odd when viewed the flat at the time.
    Lack of sub floor ventilation .
    Those two issues together mean that I would have to get a heating and ventilating specialist before I move in.
    A reputable plumber and contractor would also be needed.
    Valve in toilet cistern is faulty. It's boxed in .
    Minimal head clearance in the shower. I noticed that also.
    I was/ am thinking of having bath ripped out and just have a shower room.
    The bay window in the living room , will imho have to be replaced.
    It doesn't open fully( not good for fires) and restricts ventilation.
    Imagine that in the summer.

    I could go on( don't I always ).
    I have forwarded it to my solicitor , and asked him to inform me of any major catastrophe . Also to friends and my brother who has been in various parts of the building game for years.
    How much would it cost to make it my home? Is it worth persisisting ?

    Lots to think about
    • harz99
    • By harz99 20th Feb 17, 7:42 AM
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    harz99
    AC, are any of the things you mention above marked as no. 3 - immediate attention required? Or are they marked as no. 2 - advisory for future attention.


    Surveys are often alarming at first look, due to the surveyor couching the report in terms that protect him/her from future action.


    Yes the bay window may not open fully enough to provide a fire exit, but that is not uncommon with some window styles, a strategically placed large hammer or special emergency hammer of the type used on buses and trains would sort that problem out without replacing the whole bay!


    Notwihstanding the above, it would seem that if you are to proceed with this flat a renegotiated lower purchase price is a must.


    Bear in mind that any survey for another buyers mortgage purposes would throw up the same items, so if they really are urgent issues a.n. other and the seller would still face the same price issue.


    I know you place a lot of store on the opinion of your nearby friend, but unless he is either a specialist in the areas mentioned, or a general builder, his input is just his opinion and in this instance you would need to be guided by professionals not laymen.


    Good luck.
    • another casualty
    • By another casualty 20th Feb 17, 8:35 AM
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    another casualty
    Thanks harz
    Immediate attention : inspect boiler . Lack of sub floor ventilation .
    The floor structure and sub floor should also be inspected.
    Need to get quotes to insert vents at low level.

    How much am I able to negotiate price wise ? ' offers over £170,000'
    Price accepted £167,000
    This may not trouble some buyers, if they just want to,let the property out .

    I suppose it comes down to cost of the buyer.

    I notice the surveyor never looked under the carpets etc.

    Good job I never got the bog standard survey.

    When I took survey out with the company . I paid extra for the valuation . That hasn't arrived yet, but I'll give them a call .

    Overall opinion of survey :" a reasonable proposition for purchase , provided you are prepared to accept the cost and inconvenience of dealing with the various improvement repair works reported..."
    The rest more or less says , that it's because it's an old building approx 1900. "If The necessary works are carried out to a satisfactory Standard , and the property is kept in good repair there are no reasons why there should be any special difficulties in resale in normal market conditions "
    That's the crux of it
    • another casualty
    • By another casualty 20th Feb 17, 8:57 AM
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    another casualty
    Just received a nice email from the surveyor .
    He Said that he is in the office , and left his no.for me to call.

    I will ask him how much does he think roughly it would cost to do,it right. Also, if I do go for the property, would he know anybody .
    Is it worth asking for a price reduction .

    Solicitor is away today .

    If I do go ahead, and things work out , I am still contracted to be in my current flat until end of may. This would be hugely beneficial .
    Last edited by another casualty; 20-02-2017 at 8:59 AM.
    • dreaming
    • By dreaming 20th Feb 17, 9:15 AM
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    • 2,617 Thanks
    dreaming
    Hi AC. Re survey - surveyors often don't lift carpets in case of damaging them. Windows in bedrooms have to fully open in case of fire, but not in a lounge - so that is something you need to think about but not necessarily cause for reduction. Floor structure and sub-floor note is quite standard for an older property imo, it has been in all surveys I have had. Again it is limited as to what can be inspected before purchase.
    As to taking the bath out and having a shower room then that is a solution but again is seen as "personal preference" and may not be a bargaining area. Although it is always worth a punt.
    I would definitely speak to the surveyor - they often say more on the phone/in person than they can put into a report. For example, on the bungalow I nearly bought before this one the written report was very factual, but the surveyor actually told me on the phone that when he had picked up the keys the estate agents were laughing about the vendor and called him Bob the Bodger. Obviously he couldn't write that down but I am glad he told me.
    Re boiler - it may have been installed before legislation changed but you would probably need a proper gas engineer to tel you what is possible re moving it. Unfortunately buying an older property (especially one that has been converted into flats) will nearly always throw up some "anomalies". Good luck.
    • Worrierwalker
    • By Worrierwalker 20th Feb 17, 9:17 AM
    • 30 Posts
    • 150 Thanks
    Worrierwalker
    Re survey. I think sometimes you have to just weigh up how much you want the property. It sounds like you had a good thorough survey. We had several issues with ours but decided, due to lack of similar properties in our chosen area,and the fact that we loved it, that it was still worth pursuing. We finally exchanged on Friday, so I'm quite excited.
    • another casualty
    • By another casualty 20th Feb 17, 9:46 AM
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    another casualty
    Thanks dreaming /worrier.
    True about the older properties . When I left my last place, it was solid. The buyers got a standard survey. I have a feeling about that.
    That is all they needed.
    I went for the middle one. He supplied photos as well .

    For the price , it is good value. Unless it costs lots of thousands to sort out the faults. There is a very similar property which I mentioned a few doors away. It has one bedroom ,and the asking price is £165,000
    This one seems much better. The other one is still on the market.

    My gut reaction : if I can get everything done for less than say £10,000 then it is worth pursuing .
    The electric box is old apparently.. that was inspected last year.
    I assume it's the old fuse wire type. That would have to go.
    Decisions decisions
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