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We paid roughly that for a 4 bed terrace, dual fuel. But I think our central heating pump is running 24/7 due to a stuck valve so I am hoping it comes down when we get that fixed. 2 people wfh doesn’t help power consumption either.

Ugh. Missing the point.

The “wet ink” thing is so dumb. I’ve said this before but you can do multi billion pound m&a deals without “wet ink” signatures so I have no idea why it is still required in resi land. As well as faxes etc

Do you dry clothes indoors? Sometimes helps

Hmmm. If they are difficult then obviously they can make your life difficult wrt this garage in future (access? power? maintenance? transfer fees?).

If you are sure you can fix the lease it seems tempting

It gets even trickier when you layer in incidence

No idea if her numbers are accurate, but sheesh

The answer is “possibly” but when you compare government spending on the one hand with GDP on the other and make counterfactual assumptions the error bars get very big very quickly.

https://fullfact.org/europe/online-cost-­brexit-net-contributions/

and the first comment is about the cabling of a flipping radio

Everything else looked great - I just identified the cheapest fix that would have maximum impact. McKinsey would charge a lot for that kind of service ;-)

His view is that commercial property is worth 13 times the annual rental value

Has he got any more he wants to sell (high street shops excluded)? Dibs.

There must be a better cable solution for radio 6 music!

OK. IANAL (perhaps you are) but I would not automatically assume that a garage lease has renewal rights beyond what you can negotiate with the freeholder.

It'd be a home owner loan, which I suspect would be against the flat but for the garage if that makes sense

I suppose there is an outside chance that the lender is assuming that the garage will come into their security net as part of the purchase? I always find these rules on loan purpose for top-ups odd because there is no way for them to ensure you don’t spend the £20k for ‘home improvements’ on a holiday...

Does it matter that it’s a garage for a lease like this, ie are your extension rights as leaseholder the same as for a flat?

Not what I would spend £4 mm on

Ouch. Hard to see how you protect yourself from that. Maybe an argument for getting a boiler service done when selling?

Funding from an offset account (I assume?) makes a lot of sense. If you are going to live there for a long time and would otherwise rent the garages it feels worthwhile to you.

The harder question is whether there is a buyer for them if you moved out and what the liquidity would be if you needed the cash back. I suspect not great ?

Ok, so £100 pcm or £1,200 / year. Depends what your personal cost of capital is but £20k sounds like bargain to me (6.1% imputed post tax return).

What does it cost to rent a garage - £50-100 / month? Put a 5% cap rate on that and you get towards a valuation of £20k.

Have you been to Stonehenge? The triptychs are 30 feet high!

Classic scene.

You’re not wrong. It is just frustrating that we went through this massive national upheaval to stop something that people now don’t seem to care very much about. And that could have been achieved inside the EU with costs mainly to us and not to other member states.

I’m not suggesting it would have been offered for free - but to be honest it would have been an easy give for France / Germany as it would have cost them nothing or even have been slightly beneficial if it diverted migrant flows to those countries in favour of the UK.

That’s why I say “dogma” - there was a pragmatic route / mutually beneficial compromise but that does not seem to be the way the EU functions.

You cannot limit FoM more than what EU allows, going to the EU asking "can we stop all the Polish now" even though they got jobs fair and square, yeah, forget about it.

Now that "immigrants are under control" the whole topic just trailed off, perhaps a smart enough marketing might have sorted it

Yeah I suppose that’s my point - maybe we could have got public opinion to this point on immigration (ie fine / not a top 5 issue) without Brexit?

“four freedoms are indivisible” was/is not helpful dogma

Cameron preferred not to take the economic pain of doing that and then gambled on a Remain win. Immigration has always been the emotive issue that the Sun/Mail used to drum up Leave support... some token ‘tough guy’ actions (rather than breached numerical targets) would have neutered that?

I don't want to be thinking that everyone who voted to leave was basically anti-immigration and has since been hiding behind paper thin alternative arguments

To me this is the tragedy of the whole thing. With my cynical hat on I think that Brexit could have been headed off in 2015 early in Cameron’s second term with some token concessions on freedom of movement. Only the looney ERG actually care about the sovereignty stuff as well, right?