Q. I need to pay for a holiday home rental. They don't take Visa or Paypal.
A. Moneygram. Just go to the Post Office and they'll help you sort it out.
We are tenants and are renting a home with a signed lease, we do not have home owners insurance yet on this ho?
Q. I would like to know what kind of coverage would be needed on our rental home to cover us, so we are not sued. We were also concerned about our renters having dogs. They have tried to contain their dogs but they continue to get out. We were told that if one of their dogs bit someone their is a possibility we can be sued due to it being our property. HOW CAN WE PROTECT OURSELVES?
A. You start by saying you are tenants - in which case you need to find out what kind of insurance your landlord has. In the UK, as a general rule, the landlord is responsible for insuring the building and fixtures and the tenant is responsible for insuring the contents (if it is an unfurnished let and the contents belong to the tenant). If the landlord provides the furniture too then this should be included in the landlord's insurance.
If you are worried about being sued as a tenant, then make sure that your landlord's insurance covers any accidental damage that might be caused by you. Make sure that you don't cause any wilful damage, as then you will be sued!
Then you go on to say you are concerned about your "renters" having dogs. Do you mean that your landlords have dogs and live in the same or an adjoining building? If so, the dogs are their responsibility and you could only, potentially, be sued if you willingly let them onto your part of the property and they hurt someone. Make sure that your landlord knows that you want your part of the property dog-proofed.
On the other hand, you might mean that you are actually the landlords and the tenants own dogs, then check with your insurance company about liability. I doubt if you could be held responsible for the actions of your tenants' dogs, but it might be worth writing a clause into your lease that specifically states that tenants will have appropriate, third party liability insurance for their pets.
Your best bet is to consult a realtor who has experience in drawing up leases or an attorney.
If you are worried about being sued as a tenant, then make sure that your landlord's insurance covers any accidental damage that might be caused by you. Make sure that you don't cause any wilful damage, as then you will be sued!
Then you go on to say you are concerned about your "renters" having dogs. Do you mean that your landlords have dogs and live in the same or an adjoining building? If so, the dogs are their responsibility and you could only, potentially, be sued if you willingly let them onto your part of the property and they hurt someone. Make sure that your landlord knows that you want your part of the property dog-proofed.
On the other hand, you might mean that you are actually the landlords and the tenants own dogs, then check with your insurance company about liability. I doubt if you could be held responsible for the actions of your tenants' dogs, but it might be worth writing a clause into your lease that specifically states that tenants will have appropriate, third party liability insurance for their pets.
Your best bet is to consult a realtor who has experience in drawing up leases or an attorney.
What's the best deal for broadband in the UK if I already have a BT phoneline?
Q. I have the home hub at the moment, but it's quite expensive. Looking for something that has a lot of GBs -I use the internet a lot and like to listen to Spotify, so I don't want to worry about running out.
A. The best thing I ever did was to go to Virgin Media cable broadband and leave BT behind!
ADSL is so poor a technology and I look back on my days of 'up to' 8Mb/s with a wry smile. I can't believe I stuck with it for so long.
I pay just over £30 a month for TV, phone (with free UK evening and weekend calls) and 20Mb/s broadband. This INCLUDES the £11 a month line rental that you still have to pay with BT.
I get 20Mb/s unlimited 24/7 and am thinking about upgrading to 50Mb/s.
BT were shockingly poor, with all their dreadful 'traffic management'. It left me with dial up speeds from 4pm to 11pm.
VM also give you a free cable modem and router.
Not to sound like a sales rep or anything but I hate to see people suffering with grotty old BT ADSL rip-off.
:-)
ADSL is so poor a technology and I look back on my days of 'up to' 8Mb/s with a wry smile. I can't believe I stuck with it for so long.
I pay just over £30 a month for TV, phone (with free UK evening and weekend calls) and 20Mb/s broadband. This INCLUDES the £11 a month line rental that you still have to pay with BT.
I get 20Mb/s unlimited 24/7 and am thinking about upgrading to 50Mb/s.
BT were shockingly poor, with all their dreadful 'traffic management'. It left me with dial up speeds from 4pm to 11pm.
VM also give you a free cable modem and router.
Not to sound like a sales rep or anything but I hate to see people suffering with grotty old BT ADSL rip-off.
:-)
What homing can you get when a teenger mum but still with partner?
Q. Am 5 months pregnant and 16 years old am still with my boyfriend of 2 years and he works full time but still will never really have money to buy a house or rent and am going to college next year. Am planning to stay at home for a year but then i want to move in with my boyfriend and the baby. I no you can get a council house for being a single mum but what about me ? Please help thanks xxx
A. I assume you are in the UK?
It is unlikely the council will give you a house before you are 18, unless it is exceptional circumstances, ie you will be made homeless. Having the baby will give you extra 'points' and bump you up the list, but single mum or not, you will have a long wait.
You said that 'I no you can get a council house for being a single mum' - so many young girls have gotten pregnant in the hoping for a free ride off the tax payer that the waiting list for young mums, let alone the usual Joe Bloggs is now years. Too many people are abusing the system, and there is a massive shortage of council houses.
We went on to the waiting list as a back up (we currently live in a top floor apartment, rented privately and were unsure if we would find somewhere suitable before our baby arrived) and were told the waiting list is approximately 2 years. This time varies from council to council.
And if you do get housed as a priority, be warned, the houses are often in really bad areas, and normally are unfurnished-ie you will have to furnish it yourself. And furniture/white goods are by no means cheap.
My advice to you is, hang on til you are 18. Save up with your boyfriend for a deposit on a privately rented property.
They arent as expensive as you would imagine, I am moving into a lovely cottage at the end of the month and it is only £460 a month.
Private properties are often furnished and a lot nicer than council homes, so you wont need to worry about anything.
You would be eligible for council tax benefit, something called LHA, which is kind of like housing benefit for non council tenants, and your boyfriend will be able to claim working tax credits and child tax credits.
You will also get your £20 child benefit.
It is unlikely I will be going back to work after the baby is born (the company is going under, and childcare costs are simply to high to justify), so while my fiance will be supporting us, we have researched into additional benefits we may be entitled to.
Apply for the council housing, but honestly, once you do, put it to the back of your mind. Look for private rental properties and go from there.
Save up in the next year and get a deposit together, maybe even ask your parents for a bit of help. Showing good research and maturity rather than running straight to the council will probably earn brownie points.
Agency rental properties initially can be expensive, but an excellent place to find non agency private rentals is http://www.gumtree.co.uk.
Non agency landlords tend to be a lot more laid back, cheaper as they don't have to pay the agency fees, and the only upfront payment tends to be a deposit.
Its where I found my new place!
Good luck!
It is unlikely the council will give you a house before you are 18, unless it is exceptional circumstances, ie you will be made homeless. Having the baby will give you extra 'points' and bump you up the list, but single mum or not, you will have a long wait.
You said that 'I no you can get a council house for being a single mum' - so many young girls have gotten pregnant in the hoping for a free ride off the tax payer that the waiting list for young mums, let alone the usual Joe Bloggs is now years. Too many people are abusing the system, and there is a massive shortage of council houses.
We went on to the waiting list as a back up (we currently live in a top floor apartment, rented privately and were unsure if we would find somewhere suitable before our baby arrived) and were told the waiting list is approximately 2 years. This time varies from council to council.
And if you do get housed as a priority, be warned, the houses are often in really bad areas, and normally are unfurnished-ie you will have to furnish it yourself. And furniture/white goods are by no means cheap.
My advice to you is, hang on til you are 18. Save up with your boyfriend for a deposit on a privately rented property.
They arent as expensive as you would imagine, I am moving into a lovely cottage at the end of the month and it is only £460 a month.
Private properties are often furnished and a lot nicer than council homes, so you wont need to worry about anything.
You would be eligible for council tax benefit, something called LHA, which is kind of like housing benefit for non council tenants, and your boyfriend will be able to claim working tax credits and child tax credits.
You will also get your £20 child benefit.
It is unlikely I will be going back to work after the baby is born (the company is going under, and childcare costs are simply to high to justify), so while my fiance will be supporting us, we have researched into additional benefits we may be entitled to.
Apply for the council housing, but honestly, once you do, put it to the back of your mind. Look for private rental properties and go from there.
Save up in the next year and get a deposit together, maybe even ask your parents for a bit of help. Showing good research and maturity rather than running straight to the council will probably earn brownie points.
Agency rental properties initially can be expensive, but an excellent place to find non agency private rentals is http://www.gumtree.co.uk.
Non agency landlords tend to be a lot more laid back, cheaper as they don't have to pay the agency fees, and the only upfront payment tends to be a deposit.
Its where I found my new place!
Good luck!
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