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rhowe

Member since Jul 2008 • Last active Sep 2014

Most recent activity

  • in Miscellaneous & Meaningless
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    Why did Shimano use Torx chainring bolts on the Ultegra 6601 SL? And why did they feel the need to tighten them up so bastard tight without grease?

    Had to get a Torx adapter for my socket wrench to undo them

    Also, what's the best thing to do about a chainring guard which rubs when you switch to 1/8" chain? Stop using it and use shorter chainring bolts, directly against the spider (it's a double, with a single ring on the inside), or some kind of spacer, washer or shim?

  • in Miscellaneous & Meaningless
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    What if it doesn't go to plan?

    Then we'll look at selling after 5 years. Provided there's no massive market crash that shouldn't work out any more expensive than renting.

    Or we rent the place out (it's near a station) and go live in Malaysia for cheap.

    We're starting out borrowing just over 4x salary so I don't think we're taking all that much of a risk. The flip side is that there's no guarantee of what rents will be in 2-5 years time either. Gotta live somewhere.

  • in Miscellaneous & Meaningless
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    What happens after 10 years when interest rates are 14%?

    We'll be overpaying by a tidy amount, so the loan should be relatively small (~50-60%) by then if all goes to plan. I'm under no illusions about the current interest rate being lower than a low thing.

  • in Miscellaneous & Meaningless
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    People definitely lend more than 4x salary. If your outgoings are low (they don't generally consider shopping, booze, hookers etc in this calculation - it's more loan payments, child support, etc.) then someone like Woolwich may go as high as 6x!
    For what it's worth, joint income of 70k plus a few k discretionary annual bonus and Yorkshire BS said they'd lend £340k. We have a 25% deposit and were asking for £307k so the application's now progressing.
    5 year fixed at 3.45% over 30 years means for 5 years we'd be paying just over £1300 per month. £250 more than we're paying for a 2 bed flat in pretty much the same area (the place we're buying is a 3 bed end of terrace).

  • in Miscellaneous & Meaningless
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    Post Office mortgage service is jokes

    Please note we are currently experiencing high volumes of
    applications. We will contact you regarding any referred Approvals in
    Principle/referred full applications with our lending decision within 3
    working days.
    Once we have accepted a full application and you have paid any
    required valuation fees, your case will be allocated to an underwriter -
    we are reviewing applications received on 12th August 2014. The
    underwriter will then contact you to request any further information we
    need to process your application. Please note we are currently working
    on post received on 25th July 2014.
    We are working hard to process cases as quickly as possible. We will
    send you updates, via text message, at key stages as we process your
    application. Thank you for your patience.

    They haven't opened their post for a month! A month!

  • in Miscellaneous & Meaningless
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    Edinburgh military tattoo on bbc1 just now had some Maori dance troupe doing the Hakka to Hey Baby. Wasn't even the most surreal part.

  • in General
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    Yep, Snoopy kissed marcy repped a couple of my short fixed rides pootling around the suburbs. Bit bizarre.

    Also repped most of my commutes last week

  • in General
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    OK so who DAS'd me as I was busy clipping a van's wing mirror with my backpack on Great Porland St this morning?
    Also one of the WNKRs and Norths lot heading East on Euston Rd this morning on some baby blue frame - Howard?

  • in Bikes & Bits
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    I'll see your puny cells and raise you the 18650 cell.

    Hope District+ has two of those, I think. It lasts so long you forget the last time you charged it and goes from sensible to unsafely bright. Also has an interchangeable battery pack with some of their front lights (e.g. the now-discontinued Vision 2) which you can use with a splitter cable to power both from the same pack.

  • in Announcements, Help & Testing
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    I bet you're the sole user

    I always knew I was special

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