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rubber_jonnie
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Re: General Stuff(tm)

Post by rubber_jonnie »

stephen_usher wrote: Mon Oct 07, 2024 3:43 pm Yeah, one less thing...

The next is the Schroedinger redundancy situation. We still don't know if it's going ahead or not and if it does we're most likely out the door a week Thursday.

Still, with the house money coming I don't have any financial worries.
That's a very poor situation, I really hope you're not out of the door, but it does help with the house money coming.

As soon as we got the money from my parents inheritance we cleared the mortgage, best thing we ever did. Oddly though, not having a mortgage can affect your credit rating...
Collector of many retro things!
800XL and 65XE both with Ultimate1MB,VBXL/XE & PokeyMax, SIDE3, SDrive Max, 2x 1010 cassette, 2x 1050 one with Happy mod, 3x 2600 Jr, 7800 and Lynx II
Approx 20 STs, including a 520 STM, 520 STFMs, 3x Mega ST, MSTE & 2x 32 Mhz boosted STEs
Plus the rest, totalling around 50 machines including a QL, 3x BBC Model B, Electron, Spectrums, ZX81 etc...
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stephen_usher
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Re: General Stuff(tm)

Post by stephen_usher »

rubber_jonnie wrote: Mon Oct 07, 2024 4:58 pm That's a very poor situation, I really hope you're not out of the door, but it does help with the house money coming.
Yeah, not knowing is the issue. I'm guessing that it's 99% certain that I'm out the door so why not just say so?
As soon as we got the money from my parents inheritance we cleared the mortgage, best thing we ever did. Oddly though, not having a mortgage can affect your credit rating...
Indeed... Because you don't have a "credit history of paying" it's a problem. Though having a credit card and paying it off monthly seems to counteract that.
Intro retro computers since before they were retro...
ZX81->Spectrum->Memotech MTX->Sinclair QL->520STM->BBC Micro->TT030->PCs & Sun Workstations.
Added code to the MiNT kernel (still there the last time I checked) + put together MiNTOS.
Collection now with added Macs, Amigas, Suns and Acorns.
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rubber_jonnie
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Re: General Stuff(tm)

Post by rubber_jonnie »

stephen_usher wrote: Mon Oct 07, 2024 6:13 pm
Indeed... Because you don't have a "credit history of paying" it's a problem. Though having a credit card and paying it off monthly seems to counteract that.
Yeah, I have a credit card I use regularly to try and reduce the problem, but it isn't perfect, plus we have savings and I don't want to ad that account just yet. So far credit isn't an issue, so I'll hang on for now.
Collector of many retro things!
800XL and 65XE both with Ultimate1MB,VBXL/XE & PokeyMax, SIDE3, SDrive Max, 2x 1010 cassette, 2x 1050 one with Happy mod, 3x 2600 Jr, 7800 and Lynx II
Approx 20 STs, including a 520 STM, 520 STFMs, 3x Mega ST, MSTE & 2x 32 Mhz boosted STEs
Plus the rest, totalling around 50 machines including a QL, 3x BBC Model B, Electron, Spectrums, ZX81 etc...
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Re: General Stuff(tm)

Post by stephen_usher »

My Dad's house sale has completed. *phew*

Cornwall Council informed, so I shouldn't have to pay them ~£200 a month now.

Then the solicitor's fees will have to be paid out of the sale, then pay an accountant to write a letter to the Inland Revenue to lodge the capital loss.

Dunno when I will get the money though.
Intro retro computers since before they were retro...
ZX81->Spectrum->Memotech MTX->Sinclair QL->520STM->BBC Micro->TT030->PCs & Sun Workstations.
Added code to the MiNT kernel (still there the last time I checked) + put together MiNTOS.
Collection now with added Macs, Amigas, Suns and Acorns.
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rubber_jonnie
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Re: General Stuff(tm)

Post by rubber_jonnie »

stephen_usher wrote: Tue Oct 08, 2024 2:14 pm My Dad's house sale has completed. *phew*

Cornwall Council informed, so I shouldn't have to pay them ~£200 a month now.

Then the solicitor's fees will have to be paid out of the sale, then pay an accountant to write a letter to the Inland Revenue to lodge the capital loss.

Dunno when I will get the money though.
Great news, it's a weight off when these things are done and dusted.

It took a few months for the money from my parents house to come through IIRC.
Collector of many retro things!
800XL and 65XE both with Ultimate1MB,VBXL/XE & PokeyMax, SIDE3, SDrive Max, 2x 1010 cassette, 2x 1050 one with Happy mod, 3x 2600 Jr, 7800 and Lynx II
Approx 20 STs, including a 520 STM, 520 STFMs, 3x Mega ST, MSTE & 2x 32 Mhz boosted STEs
Plus the rest, totalling around 50 machines including a QL, 3x BBC Model B, Electron, Spectrums, ZX81 etc...
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Re: General Stuff(tm)

Post by Higgy »

Regarding Wills and Inheritance, someone recently told me about a 'Deed of Variation'.

Which in summary allows you to redirect your share or part share of inheritance to others without having to worry about the 7 year gift rule.

Now it obviously won't be a benefit to everyone, but it can be very useful. Case being if the person who died was very old and the Will recipient is also older, and would prefer their children to have the money instead.

Pretty much everyone I spoke to had not heard of this.
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stephen_usher
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Re: General Stuff(tm)

Post by stephen_usher »

Well, given that the property had already been transferred to me the money will arrive in my account tomorrow. I then just have to find an appropriate place to put it. So I need to pop into the building society on Saturday.
Intro retro computers since before they were retro...
ZX81->Spectrum->Memotech MTX->Sinclair QL->520STM->BBC Micro->TT030->PCs & Sun Workstations.
Added code to the MiNT kernel (still there the last time I checked) + put together MiNTOS.
Collection now with added Macs, Amigas, Suns and Acorns.
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olivier.jan
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Re: General Stuff(tm)

Post by olivier.jan »

Indeed... Because you don't have a "credit history of paying" it's a problem. Though having a credit card and paying it off monthly seems to counteract that.
?!? You have credit ratings in the UK ?? I thought it was a US only thing…
Luckily, the French system is much simpler, we may be spoiled…
Retro stuff
520 STF/ 1040 STE / Mega ST / 2 Mega STE / 2 H5
2 x 600XL with U1MB /SOFIA 2/ AVG CART / and a few 1050
Apple //c, Commodore 128, Mac Classic, SE/30, LC, IIvi and PB G3 (Clamshell)
Amiga 600 and a few 486 and 386.
Many Nintendo G&W and other electronic games from the late 70s/early 80s.
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rubber_jonnie
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Re: General Stuff(tm)

Post by rubber_jonnie »

stephen_usher wrote: Tue Oct 08, 2024 4:54 pm Well, given that the property had already been transferred to me the money will arrive in my account tomorrow. I then just have to find an appropriate place to put it. So I need to pop into the building society on Saturday.
Ah, that puts a different complexion on things. Because my parents died within 2 months of each other the money had to go into a probate account first as it was part of their estate.

Since the property was effectively yours already then it's just like a normal sale. Be aware (I'm sure you already are) that there is a limit for insurance purposes of £85,000 per person per bank account/organisation and any more won't be covered in the event of fraud/theft etc.
Collector of many retro things!
800XL and 65XE both with Ultimate1MB,VBXL/XE & PokeyMax, SIDE3, SDrive Max, 2x 1010 cassette, 2x 1050 one with Happy mod, 3x 2600 Jr, 7800 and Lynx II
Approx 20 STs, including a 520 STM, 520 STFMs, 3x Mega ST, MSTE & 2x 32 Mhz boosted STEs
Plus the rest, totalling around 50 machines including a QL, 3x BBC Model B, Electron, Spectrums, ZX81 etc...
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rubber_jonnie
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Re: General Stuff(tm)

Post by rubber_jonnie »

olivier.jan wrote: Tue Oct 08, 2024 8:44 pm
Indeed... Because you don't have a "credit history of paying" it's a problem. Though having a credit card and paying it off monthly seems to counteract that.
?!? You have credit ratings in the UK ?? I thought it was a US only thing…
Luckily, the French system is much simpler, we may be spoiled…
We do indeed have credit ratings, but IMHO they are not very well done and one organisations ratings won't necessarily match another.
Collector of many retro things!
800XL and 65XE both with Ultimate1MB,VBXL/XE & PokeyMax, SIDE3, SDrive Max, 2x 1010 cassette, 2x 1050 one with Happy mod, 3x 2600 Jr, 7800 and Lynx II
Approx 20 STs, including a 520 STM, 520 STFMs, 3x Mega ST, MSTE & 2x 32 Mhz boosted STEs
Plus the rest, totalling around 50 machines including a QL, 3x BBC Model B, Electron, Spectrums, ZX81 etc...
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