Nice People Thread Number 11 - A Treasury of Nice People

tomterm8

PasturesNew wrote: »

This house isn't hot ... nor sunny. (One of my reservations about the house I'm buying as it doesn't face the right way) .....

It feels like the hottest day of the year here... and muggy, too.

PasturesNew

tomterm8 wrote: »

It feels like the hottest day of the year here... and muggy, too.

Bright sun here, blue/cloudless skies .... good coastal breeze. Mind you, to know that I have to actively look out of the window as there are no windows on the sunny side here.

CKhalvashi

tomterm8 wrote: »

It feels like the hottest day of the year here... and muggy, too.

Ah, yes, something I've learned about the ST last weekend, air con/cooling system doesn't work.

I'm glad to be back in the XF this morning, as whilst I love driving the Focus, it's too hot.

Generali

CKhalvashi wrote: »

Can I just ask if that's insurance, paid for by employer, or paid for by the pension provider, then absorbed into the daily running costs?

Also, just out of interest, what is the charge on the Aus super? I think that my pension charges are 1.5% on shares (HSBC), but just trying to get a rough idea of how this one works.

I get to pay life insurance and income insurance via my super so I can pay for it out of very lightly taxed income. Add to that the fact that I am employed by an insurance company I get a great deal.

From memory I pay about 40bps on my investments through my super plus a little for the insurance. My employer puts in 12% of my income each year into my super scheme. I pay costs and insurances out of that. They do not match any extra I put in though.

1.5% is taking the p155. Vanguard will sell you a tracker on the S&P 500 for 7bps (0.07%).

lemonjelly

PasturesNew wrote: »

That's good

Not sure how I'll end up getting broadband available when I move .... not sure how all that "moving/changing numbers" works really

I've a number here and I think they have Sky there. Also, exchange is a different STD Code. So no idea how it works out.... there's a slim chance it doesn't even have a phone line (which hadn't occurred to me until this minute!). I suspect phone line might have got a mention on the F&F forms/paperwork.... all those tick boxes.

If you're with BT, you can put the move date & address into your online account & they switch it over on the date if there is a BT connection at the new place.

PasturesNew wrote: »

I didn't omit to comment because I didn't see the question, or didn't care .... it's just I'm not really what you'd call an Interior Designer

I'm the sort of person that wouldn't have bought the poster in the first place, in order to avoid this type of issue (and further spend).

For me, it wouldn't just be the poster.... then the frame.... I'm also "Handy Challenged" so wouldn't be able to get it safely onto the wall, requiring "a little man" to be employed at some point to put up a hook.

Actually, I won the poster & it is signed (by lemon jelly!)

PasturesNew wrote: »

As (Ye Olde Residente Spinster) a renter for the past 7 years or so.... I've forgotten what groin thrusting's all about.


However, I believe it's an activity exclusively undertaken by homeowners.... an outside activity - and needs lots of gin.

I'll be there in half an hour to show you...;)

CKhalvashi

Generali wrote: »

I get to pay life insurance and income insurance via my super so I can pay for it out of very lightly taxed income. Add to that the fact that I am employed by an insurance company I get a great deal.

From memory I pay about 40bps on my investments through my super plus a little for the insurance. My employer puts in 12% of my income each year into my super scheme. I pay costs and insurances out of that. They do not match any extra I put in though.

It sounds a lot more simple than the UK system IMO.

Didn't want to seem intrusive, just interested in how things work in other countries

tomterm8

Bluetack + Poster = stuck to wall. Simples.

Or am I missing something in the 'Interior decorator' field. Must admit, I probably aren't the person to ask an 'interior decorating' question to since my ambition in life is to have enough money to hire people to do that sort of thing for me. And prior to that point I just don't bother...

lemonjelly

neverdespairgirl wrote: »

Don't forget to leave enough brambles for blackberries?

Are you enjoying your new pad? Sounds like it!

Next door still has tons of brambles that are approaching 9 feet high. Shouldn't be a shortage. I needed to clear these, as they are all around the summerhouse & I don't want anything affecting the wood.

It's actually a little scary how easily I've settled. It helps that there are no "big jobs" (eg windows) that need doing. Most jobs are pottering about type jobs. There's a lot of them though!:o

I am really liking getting to put music on a lot.:T

lemonjelly

PasturesNew wrote: »

My house will be within 200 yards of a big brand pizza place... (Dom...) ... but I had one of those once (paid to eat) .... and disliked it immensely, so won't ever be using that. The premises used to be a chinese, wish it still was (mind you, chinese are now prohibitively expensive aren't they!!). A chinese takeaway used to be a fairly affordable treat.... now a simple S/S Chicken Balls and Egg Fried Rice is £8-9.

Pub meals suck if you're dining alone. And the cheaper ones do "buy 1 get 1 free", or "2 meals for £5" which are useless offers.

Iceland do some decent quality stir fry meals in a bag.
Someone got me a wok as a moving in gift & I used it last night & it was excellent!

Nikkster wrote: »

Thanks for pointing it out - I can pick up some tips

Question: You don't need rawplugs to hang up a photo do you?!

Pedants point, I think they're called rawl plugs? Might be wrong.
The answer is, it depends on how big/heavy the picture is.

Nikkster wrote: »

In fairness, I don't have any bits yet

That's what I started doing. Then a friend visited who pointed out that they are MY walls and therefore I can put hooks wherever I like.
I've put up 3 pictures in the second bedroom. The other 3 pics I've put up in other rooms went onto existing holes. (and there is a picture hiding the hole where a fire could go in the living room)

I'm currently having all sorts of debates about where pictures are going too!

michaels

My employer carries some sort of insurance that pays two thirds salary if long term sick and they just pay normally for.the odd day, not sure how many odd days would trigger anything different, I think for absences more than 3 days we are supposed to get gp sign off.

My pension is a company scheme with Scottish widows who I am sure over charge but at least I am in their International Fund that I hope has outperformed the other option of uk footsie even with sterling appreciation.

And talking of mystery absences any word from Lir?