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silverglade5

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  1. You're very welcome, good luck 😊 This approach is just wrong, rebuilding cost is not related in any way to market value for the reasons I explained earlier on, and using this as a basis could put you in some bother. It could be much higher or lower than market value so you could be wasting premium money on over insuring or taking some risk if under insuring.
  2. This approach is just wrong, rebuilding cost is not related in any way to market value for the reasons I explained earlier on, and using this as a basis could put you in some bother. It could be much higher or lower than market value so you could be wasting premium money on over insuring or taking some risk if under insuring. https://www.moneysupermarket.com/home-insurance/calculating-rebuild-costs/?source=GOO-0X0000032833082A47&gclid=Cj0KCQjwv5uKBhD6ARIsAGv9a-yKNNy3gjYcH-4p0ylLoVSV_NZKMdSHyqDOKhDVcmaia9M6cmfWRyMaAg9PEALw_wcB&gclsrc=aw.ds
  3. The 'unlimited 'option would to me be the best option in that it removes the scope for the insurers to pay out only a proportion of any claim should the property be under insured. NB Market value is irrelevant for rebuilding purposes as in many cases this could be wildly out, too high or low. Ignoring for a moment differences in local rebuilding costs, a terrace in say Chelsea wouldn't cost radically more than one in Darnall to rebuild, although market value would obviously be a lot higher. In cases where a precise figure is required for reinstatement purposes the only true way is to measure the gross external area and multiply this by the rebuilding cost per sq m as set out in the BCIS tables.
  4. Sorry Alex, I misunderstood the basis of your post 😟 Good luck finding any volunteers to receive treatment.
  5. My car needs servicing and I am looking for a volunteer mechanic having no bills to pay to gain similar hands on experience.
  6. Nyarai, you'll probably get a better response if you spend a bit more time on your post and give a bit more detail as to what and where the job is. A bare one liner like this isn't likely to interest many contractors, particularly as many of any quality are very busy at the moment and less hungry for work than usual.
  7. I knew this thread wouldn't have a happy ending
  8. I would say that the property purchased with what was presumably an inheritance from your relative probably does need to be declared to HMRC as it forms part of your 'wealth', together with any income you receive from it if let. Tax credits were in my opinion rightly brought in to bolster the finances of people having a low income, and it defeats the object if people receiving them subsequently acquire and do not declare assets that no longer put them in this category. I would suggest you give HMRC a ring, I usually find them helpful if you talk to them in a friendly way and show you're not frightened of them as many are. Good luck!
  9. Trickett. You will probably stand a better chance of replies by increasing the size of your font and describing your query in a bit more detail than your present rather uninviting and bleak one liner.
  10. Good luck to you Bwally. You've got a really good attitude which is more than half the battle when employing somebody, the rest can come later. Unfortunately I'm not in a position to help you, but I hope somebody will and please let us know how you get on.
  11. Thanks all for your interesting and helpful replies 😊👍
  12. Many of us report these entries to the mods, including me, but you appear to misunderstand the intention of my post which was to question whether these spam entries could be stopped at source rather than being allowed automatic exposure before being removed as at present. My question was whether it was possible to remove the incentive from these people, not to correct things when the 'advertiser' has had his or her fifteen minutes of fame as the saying goes.
  13. Yes, the 1 or so post cut and run spam merchants who know what they are about and expect to be deleted although their exposure over perhaps a couple of hours may be of some commercial benefit.
  14. There seems to have been an increase in abuse recently by some newbie chancers usually shot down quickly by the mods but still representing an annoying intrusion into what is a good forum. Would it be possible administratively for all new entries by contributors having a score of 5 or less to held back until vetted and only released for inclusion by the mods when confirmed as compliant and genuine? Obviously all of our mega posters started somewhere, and in their early days new posters would inevitably have to suffer some delay in their first entries, but if possible this would act as a strong disincentive to these opportunistic time wasters and free things up for use by legitimate members, the vast majority.
  15. I doubt very much that HRMC will take any action against you for neglecting to inform them about your altered circumstances when strictly speaking you probably should have. Along with massive workloads and reduced staff, I think they have much much bigger fish to fry in terms of deliberate concealments, frauds etc. I would give them a ring and they will tell you what you need to do to regularise your position.
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