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That's the one. I kept saying I didn't want it, so he did it for free. Imagine they had already done it and we're trying to get me to pay for it....

In buying a new car and they are trying insanely hard to flog me some autoglym spray in and out for the car. Anyone on here bothered with it in the past? Worth it?

I haven't ridden nobblies on a road for more than 10/15 minutes in a while, probably worth it though if we end up going up anything exciting. The one downside to doing this as a pair instead of an organised group is the lack of support vehicle. Slippery rim avoidance is going to be important!

Thanks, that's kind of what I thought, I've never found them very appealing if I'm honest.

Will get some 70:30 tyres and with a range extender tank should let us go anywhere. KTM/Husaberg seem to have most of the market covered. The only road sections we have planned are from my friends house to the train in Nairobi and then an hour ride to Malinda from Mombasa when we get to the other end. After that it'll mainly be rough road/trail and some motorbike safari.

Has anyone experience riding V-Strom or Varedo 650cc bikes on semi rough terrain? Going to Kenya at the end of the month and going to rent a bike to do trails and some road riding, it's either something like the two above, or go all out on a KTM enduro or EXC bike.

Your poor niece, great she's got the courage to get back on the bike!

Is there an easy way to sling some cash over? I could paypal if you have details?

I would be really interested, but I am a post 12 week oxy aceltlyne crash course beginner. I've tried to find a place to fettle, with little joy, so this might be perfect for me. Not sure if it would work for you guys though?

I thought they did kerbside auctions in Oz, or is that just a Sydney thing? Friend told me about the experience. Said it was horrible eyeballing the other person in what was basically the front garden!

Finally exchanged today after a couple of years of false starts. So excited to finally have a gaff.

Thanks for helping with all the questions. Definitely saved me and Mrs Bumperoo a wedge of cash!

It's complicated

https://pbs.twimg.com/media/DHf4pTNXgAA7dg3.jpg:large

Not Meme....sorry

Cheers, problem solved in the end. Estimated using lots of different online calculators and then added legals and "danger money" of another 10% for taking on the lease extension risk. All agreed now and looks like we might be in by the end of next week!

Does anyone know if you pay stamp duty on the discounted price that takes in to account the short lease, or do you pay it on the assumed market value with a 150 year lease?

Thanks @Howard

I'm more after the surveyor part rather than the legal if you have any thoughts?

Nah, bit further north on Northwold.

Now in month 18 of trying to buy a house. We have found a place and offered based on a 157 year lease that was going to be informally agreed by the current owner pre-completion. They want an open ended completion to be put in place and I can't handle that kind of thing so we are buying without. Our lease will now be 67 years and by the time we can extend it will be 65. I want to make a revised offer based on the lease extension cost in 2 years plus a bit extra for legals etc.

Can anyone recommend a decent person to speak to about lease extensions? We are in Clapton, but I don't think location matters too much for this sort of thing.

Not on the first 25%.

This is a good article on providers.

http://www.thisismoney.co.uk/money/pensions/article-4041312/What-cheapest-Sipps-200k-pension-pot.html

You can take the 25% and leave the rest to carry on accumulating. It's only if you buy an annuity or similar that triggers monthly fixed payments. Gideon removed the whole annuity racket allowing pensioners the option to pick what they felt was the best option.

Things to look forward to....

you get tax money back from the gov when you pay in to a pension. Instant 20% gain versus any other investment. Wait until 55, take 25% out tax free and pay mortgage off with the lump.

If you're within a decent period of retirement (10 years), I think the best thing to do is bury any overpay in to a SIPP, take the 20% uplift (tax rebate) and then pay off the mortgage with the 25% tax free drawdown. Ezy gainz.

Nationwide and Clydesdale are great if a significant proportion of your salary is variable/bonus.

Optimism won me over the last time, the cynic is now alive and kicking. Definitely taking the insurance this time.

Thanks. It's my own fault, in the initial excitement, they offered a no completion, no fee at a cost of £50 or something silly, which I ignored/missed.

Feck

Has anyone any experience regarding abortive bills from conveyancing lawyers? Our house purchase has fallen through yet again, just before exchange and the lawyers are charging us an abortive bill of 95% of the cost of the completed conveyancing. It feels expensive, but should I just stump up and get on with it?

We are now buying another place and have asked them to quote, which has come in at more than the first place despite it being a cheaper flat. Getting a bit sensitive about legal bills, this is our third place to fall through in a year and we will have paid out nearly £4k in fees....first time buying has gone badly.