The grumpy thread

[xtriple]

It's only soding raining! Was looking a bit iffy out there so took the dogs to the park early(ish), got there, blowing a gale and me in shorts and 'T' shirt, much cold was fealt around the nethers...

 

Got as far away from the carpark as it is humanly possible to do (brick wall) and the heavens opened and there's this old cripple, in finest summer gear, small cigar (think Rumpole type) and getting much getting soaked as he tried to hobble at double speed back to the car. All the time calling Phoebe to get a move on as she is more crippled than he! Just before the carpark, it stopped raining!

 

So we sat on the bench (well I sat on the bench, the dogs did whatever it is that dogs do!) and the heavens opened again and I got soaked again. This time, no messing, back to the car, Phoebe in... where the fuck has Chester gone? Oh, of course he's fucked off to pastures new as he HATES going home even when he's been out for three hours, so 45 minutes in a rainstorm is nothing for that fat sod! Eventually caught up with him at the other end of the carpark where he was sniffing around on a previously un-sniffed bit of grass and weeing on everything in sight.

 

I hate that bloody dog!

 

If that's true, why did I bring him home, feed him (and Pheebs of course) dry them both off and make his head comfortable by re-arranging his pillows on his 'day' bed (the floor complete with quilt and pillows) while he snores happily?

[Cavcraft]

Ref that farmer, there’s one not too far from here who plays tricks like that and often the start of the bridleway is just a lane of his slurry. He tells people they have no right of way (when they do) and blocks turnstiles on public footpaths etc.

 

The last time I visited this prick’s land I just rode my bike/walked over his crops seeing as he’d essentially shut the paths.

[Matty]

My grump. Managers who can't manage. " Parts are here for that job". Spend half a day getting a 20 ton piece of machinery in a position where it can be worked on to be told "oh them parts are a week off yet. Sorry I must've been thinking of something else". I'm relatively young and I'm not always sure I can put up with another 30 years of this level of fucking stupidity.

[Captain Furious]

Going to cut this.

Jesus I hate doing it. Hence why it's knee high.

 

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Tiny lawnmower or deceptively large area of grass?

[NorfolkNWeigh]

Going to cut this.

Jesus I hate doing it. Hence why it's knee high.

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I've been watering mine twice a day for the last 3 weeks and I'd be well chuffed if it was as green as that

[clayts450]

Thought I'd get a step ahead on the 45 today and do the brake pads on the non-troublesome side, ahead of the caliper arriving for t'other. Within 10 minutes this non-troublesome side became troublesome as well. Match abandoned, and the local kids were treated to a poetically perfect torrent of swearwords.

[purplebargeken]

I had an Escort that started smoking behind the dash when I was driving. Sadly it didn't burn to a cinder, I just opened the window to let the smoke out and ignored it. I part ex'd it a few days later. 

 

Glad you are okay buddy. Not a pleasant experience unless it was one that was intended.

[Guest Hooli]

It's only soding raining! Was looking a bit iffy out there so took the dogs to the park early(ish), got there, blowing a gale and me in shorts and 'T' shirt, much cold was fealt around the nethers...

 

Got as far away from the carpark as it is humanly possible to do (brick wall) and the heavens opened and there's this old cripple, in finest summer gear, small cigar (think Rumpole type) and getting much getting soaked as he tried to hobble at double speed back to the car. All the time calling Phoebe to get a move on as she is more crippled than he! Just before the carpark, it stopped raining!

 

So we sat on the bench (well I sat on the bench, the dogs did whatever it is that dogs do!) and the heavens opened again and I got soaked again. This time, no messing, back to the car, Phoebe in... where the fuck has Chester gone? Oh, of course he's fucked off to pastures new as he HATES going home even when he's been out for three hours, so 45 minutes in a rainstorm is nothing for that fat sod! Eventually caught up with him at the other end of the carpark where he was sniffing around on a previously un-sniffed bit of grass and weeing on everything in sight.

 

I hate that bloody dog!

 

If that's true, why did I bring him home, feed him (and Pheebs of course) dry them both off and make his head comfortable by re-arranging his pillows on his 'day' bed (the floor complete with quilt and pillows) while he snores happily?

 

Just be glad you'd parked with the LGD's roof up!

 

Ref that farmer, there’s one not too far from here who plays tricks like that and often the start of the bridleway is just a lane of his slurry. He tells people they have no right of way (when they do) and blocks turnstiles on public footpaths etc.

 

The last time I visited this prick’s land I just rode my bike/walked over his crops seeing as he’d essentially shut the paths.

 

Cheers for the reminder, I must look into how to report it.

 

Years ago I remember an entertaining* confrontation on a Welsh byway where farmer Giles was waving a shotgun about & shouting 'gerrrofff my larnd' in a Welsh accent. Such a shame one of the group was ex-plod as we heard farmer giles lost his shotgun licence the following day...

 

My grump. Managers who can't manage. " Parts are here for that job". Spend half a day getting a 20 ton piece of machinery in a position where it can be worked on to be told "oh them parts are a week off yet. Sorry I must've been thinking of something else". I'm relatively young and I'm not always sure I can put up with another 30 years of this level of fucking stupidity.

 

Welcome to my world, my 'team leader' (the prick's title says manager) has been here 18months & the only decision he's made is when to go for a shit.

[castros_bro]

My grump. Managers who can't manage. " Parts are here for that job". Spend half a day getting a 20 ton piece of machinery in a position where it can be worked on to be told "oh them parts are a week off yet. Sorry I must've been thinking of something else". I'm relatively young and I'm not always sure I can put up with another 30 years of this level of fucking stupidity.

 

You should do what you think is right, if a manager or other adult makes stupid decisions then tell them. I know as i am old and may have just been sacked (I'm not allowed to talk about it) for pointing out two manager's stupidity AND  writing an article which was published in Private Eye about their stupidity. It does have positives as well, I was phoned by an old workmate whilst I sitting in a M3 winter traffic jam and informed I had several months work with the company he worked for though I'd not applied for any job, my name had been put forward as someone who didn't need to be micro-managed.  Yes, sometimes this happens -

 

https://www.google.com/maps/dir/-8.5120695,39.4870684/Tanzania/@-8.5117759,39.4880444,686m/data=!3m1!1e3!4m9!4m8!1m0!1m5!1m1!1s0x184b51314869a111:0x885a17314bc1c430!2m2!1d34.888822!2d-6.369028!3e0

 

 

[Matty]

Can they really sack you for pointing out the obvious? If so it's a miracle I'm still employed!

[Guest Hooli]

Can they really sack you for pointing out the obvious? If so it's a miracle I'm still employed!

 

When the obvious is that they are a useless fat lazy cunt, then yes they seem to take it personally.

[Matty]

Oh and I keep pressing the tick at the top of people's posts to like them. If that actually means I'm saying I hate what they've wrote then apologies in advance

[iainrcz]

Both I think. It's about 12'x20'..ish.

Tiny lawnmower or deceptively large area of grass?

I've been watering mine twice a day for the last 3 weeks and I'd be well chuffed if it was as green as that

It's mainly clay, gets badly waterlogged when it rains.

 

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[busmansholiday]

I am I England at the moment and just discovered that Manchester airport is about to start charging 3quid to drop passengers off (5mins) and 4 quid for 10mins. WHAT THE FUCK IS HAPPENING TO THIS COUNTRY??????

How do you think they are paying for that billion pound expansion ?

[Tadhg Tiogar]

I'm genuinely surprised Ryanair doesn't charge to use the toilet.

Mr O'Leary allegedly considered this.

[GrumpiusMaximus]

Fucked off.

 

New build house in an area where there's a housing shortage, particularly for small houses because there isn't anything Council any more.  We've bought ours.

 

Turns out the house next door (that sort-of-shares our drive, we have half, they have half it's between the houses) that have literally just bought are letting their one out.

 

For nearly twice the monthly mortgage payment.  It's essentially identical to our's, bar one minor detail.

 

Gouging.fucking.bastards.

 

Plus I have no idea who our new neighbours will be.  Why the fuck is this allowed?

[chaseracer]

It's called capitalism.

[GrumpiusMaximus]

It's called capitalism.

 

 

It can get to fuck.

 

Funnily enough, they owners had a base-model 10-plate white BMW 3 Series with a second-hand financing company logo on the plate.  I think they're being gouged too but can't tell... there was also an 11-plate black Mercedes thing.

[chaseracer]

You never know, the new neighbours may turn out to be top folks who like chod.

[GrumpiusMaximus]

Jealousy can be an ugly emotion. They're driving 7 and 8 year old cars... So what?

 

Just be happy with your home.

 

 

I'm very happy with my home and I've no desire for a BMW or a Merc.

 

I'm just irritated at how much they want to let it out for.  It's eye-watering, even for around here.  For a small three-bedroom house they're asking for over a grand.  We're under the auspices of Dover District Council, which isn't usually regarded as particularly affluent...

 

On the one hand, it demonstrates that our house is worth more now than we're paying for it.  Apart from the inevitable housing bubble burst, it genuinely upsets me that people that should be able to afford to buy their own homes are conned out of being able to save for a deposit by money-grubbers asking for just shy of twice the monthly mortgage repayment.  I think it's disgusting.

 

Lady Grumpius and I have said in the past that if we ever were landlords, we'd let out for a profit but certainly not anything excessive like next door are trying.

 

You make a good point there, Chase.

 

I'm also fucked off because my car is in one of the pictures of the house because of the shared drive.

[New POD]

Fucked off.

 

New build house in an area where there's a housing shortage, particularly for small houses because there isn't anything Council any more.  We've bought ours.

 

Turns out the house next door (that sort-of-shares our drive, we have half, they have half it's between the houses) that have literally just bought are letting their one out.

 

For nearly twice the monthly mortgage payment.  It's essentially identical to our's, bar one minor detail.

 

Gouging.fucking.bastards.

 

Plus I have no idea who our new neighbours will be.  Why the fuck is this allowed?

 

To qualify for Interest only Buy to let mortgage requires 25% deposit, EXTRA 3% Stamp duty and Income of £25K not related to letting at somewhere between 3% and 3.6% interest rate. 

 

It's allowed because savings rates are SHITE, the stock market is over heated due to savings rates and will burst post brexit and people need houses to rent, and they haven't saved a 10% deposit or/and don't have the credit rating. 

 

£200K house, Mortage intersest is about £450 a month, rent is £900, so profit is about £4500 a year with a £60K investment, or 7.5% return on investment. Now house prices can go down and on new builds usually drop for 5 or 6 years, but always seem to go up long term, so they'd make more long term. 

[New POD]

You never know, the new neighbours may turn out to be top folks who like chod.

 

The people I have rented a nice house to, have been very nice.  

[GrumpiusMaximus]

To qualify for Interest only Buy to let mortgage requires 25% deposit, EXTRA 3% Stamp duty and Income of £25K not related to letting at somewhere between 3% and 3.6% interest rate. 

 

It's allowed because savings rates are SHITE, the stock market is over heated due to savings rates and will burst post brexit and people need houses to rent, and they haven't saved a 10% deposit or/and don't have the credit rating. 

 

£200K house, Mortage intersest is about £450 a month, rent is £900, so profit is about £4500 a year with a £60K investment, or 7.5% return on investment. Now house prices can go down and on new builds usually drop for 5 or 6 years, but always seem to go up long term, so they'd make more long term. 

 

 

Interest-only buy-to-lets aren't usually advised by decent mortgage brokers for a damn good reason.  Subsequently the interest rates are eye-watering compared to even a basic repayment mortgage at 5% deposit.  Ours is well below 2%.  Also, there is a major stamp duty exemption for first-time buyers.  Ask me how I know.

 

Deposits are impossible to get because of money-grubbing gits asking twice the monthly repayment.  I've been bloody lucky to have been gifted a large sum from elderly relatives and that's how I've been able to afford my house with Lady Grumpius - who earns decent money.

[GrumpiusMaximus]

Who is being conned? People will be making up their own minds whether they want to pay it or not.

 

And theres a picture of your car on the internet? Heaven forbid. The same one you put a video of on the internet?

 

 

Sure.  I don't mind there being a video of my car on the Internet.

 

I do mind when it's my house it's in front of, the address is listed and can be found easily on a search ranking.  If I still worked in mental health, I'd be tearing the agents a new one over my right to privacy.  As it is, I'm still fucked off because I don't want anyone at work finding my address.

 

And Nyphur, a lot of the time people don't have the choice over how much they pay because the housing market is all manners of fucked by artificial value - and I say that as a new home owner.

[Eddie Honda]

Glad you're ok.

 

for some reason I popped the bonnet!

 

Well done.

[New POD]

 

 

Lady Grumpius and I have said in the past that if we ever were landlords, we'd let out for a profit but certainly not anything excessive like next door are trying.

 

 

Your wife sound like mine.  Going rate is £725, through an agent. We don't use an agent, and charge £675. 

Interest is £300, Insurance is £25 so we pay tax on £350, my 10% share costs me  £14 in tax and my Wifes 90% share costs her £63  in tax.  

Then I pay £350 toward paying off the mortgage so in the short term we are loosing £78 every month. Long term, we will own it with no mortgage. I am also budgetting £1000 in maintenance and repairs as an average per year. 

[New POD]

Money-grubbing gits 

 

No offence taken   

 

In reality, if you'd paid off your own mortgage, saved up enough for a deposit and were getting 2 tenths of feck all in an ISA wouldn't you think about it? 

[GrumpiusMaximus]

Your wife sound like mine.  Going rate is £725, through an agent. We don't use an agent, and charge £675. 

Interest is £300, Insurance is £25 so we pay tax on £350, my 10% share costs me  £14 in tax and my Wifes 90% share costs her £63  in tax.  

Then I pay £350 toward paying off the mortgage so in the short term we are loosing £78 every month. Long term, we will own it with no mortgage. I am also budgetting £1000 in maintenance and repairs as an average per year. 

 

 

I have no problem with people making money on letting out houses.  That's quite reasonable and of course it's going to cost a landlord more than just the mortgage repayment.  In your position, I'd probably put the rent up to £750 or so but that's none of my business.

 

The last landlord I had was a great chap who had converted some outbuildings into a small house.  It was absolutely lovely and he couldn't sell it separately as it was attached to his house.  Any time I had a problem, he was straight round to fix it, no questions asked.  He also kept vintage motorbikes and invited me to shows.  He charged us £700 a month.

 

For that money, I could have just about let out something half the size in Ashford with on-street parking and a view of an industrial estate.  Instead I had parking and views of fields for miles around.

 

Not all landlords are bastards and I would expect a return on my investment, of course I would.  It's better than sticking it into an ISA - I quite agree.

 

Their mortgage will be around £560, tops.  They're asking for £1,050 a month for it.

[GrumpiusMaximus]

Hah!  I know the search you've done.  It's fair enough.

 

I am getting riled about it, I know.  I also know that most of the kids at work know whose car it is because I park in a separate, 'special' car park...

[GrumpiusMaximus]

Surely there's a market?

 

The market will set the rent. If it is excessive, they won't let it.

 

 

The market is speculative as much as anything.  People will pay 75%+ of their monthly income to rent around the South-East sometimes.  So it might get let out but potentially at huge cost to the tenant.  The 'affordability' checks they do on tenants are an absolute joke and around here, options are limited.

 

I get what you're saying but it just serves to further stratify the housing market.

 

Then again, I am quite a long way to the left, politically speaking so of course I have an inherent bias to my thinking.