CHOICES, CHOICES, CHOICES

I can't believe I've gone a whole month without blogging. Mind you, I can't believe how quickly the last four weeks have flown by. I've been very very busy, goodness knows how I ever previously found the time to earn a living! And I've been faced with so many choices, choices, choices.

I last reported about the new apartment I was buying in the centre of town. Having signed the paperwork on the 6th March, I exchanged contracts on 23rd March and completed on 30th March. The legal process was short but intense. In the meantime, two letting agents were actively seeking my business and getting the keys from the sales office to show potential tenants around. Both agents found me suitable tenants so I had to make a choice between agents. The agent with the lower upfront charges found me a divorced lady of a similar age to myself. This was someone who I felt would take care of my new apartment, so I went with that choice.

Having completed the legal process on 30th March and assessed what additional things were needed for this already "full-furnished" apartment - things like a cutlery tray for the kitchen drawer, towel rails for the bathrooms, loo roll holders, doormat etc. etc. - I had to hurriedly buy these (choices, choices, choices) and place them in the apartment. Then having liaised with the builder over the "snagging list", the tenant moved in two days later, on April 1st.

Whilst all this was in progress I also spent a lot of time in March coordinating the recruitment of a new Headteacher at Troy Junior's school. I haven't mentioned much in this blog about being a school governor as the details have to remain confidential. But having taken over as Chair in January, one of my first tasks was this recruitment. Meetings to decide the wording for the advert, draw up the information pack for applicants, review application forms to create a shortlist for interview, decide on the interview process - choice of questions and projects. Then a day and a half for the interview process itself. This all clashed with the apartment purchase requiring a lot of time juggling. I did however find the entire recruitment process (choices, choices, choices) to be a most rewarding and enjoyable experience and I believe we've now recruited an outstanding new HT.

Good Friday was my father's 80th birthday so early that morning we drove down to Bournemouth to be in good time to take him out for a special lunch. My sister and her husband together with my dad's best friend since his schooldays also joined us. Here's my dad, looking a tad silly, but also throughly enjoying his special birthday.


I mentioned before about wanting to buy a property to renovate then sell on (or rent out). No sooner had I bought the new apartment than our local property auctioneer posted their new auction catalogue which had several properties being sold by a housing association. Previously this association used a central London auction house and I was loathed to spend a whole day travelling up to London just to be outbid by others with deeper pockets. But now there were some great local properties being auctioned locally by a small family auction firm that we already knew. We viewed four properties shortly after Easter. At the guide prices they would all make great purchases (choices, choices, choices). Having got the apartment sorted - bought and tenanted - I was looking forward to this next challenge.

Then I got a call from the builder who sold me the apartment. The few remaining apartments in their final phase, the tower block, were being sold off at special low prices. In fact the prices quoted for this final phase were 20% less than I was quoted in March (remember I thought them then a little overpriced). In fact they are actually now going for less than half the price the builders had initially envisaged when the whole development started a few years ago. Troy has an eye for a bargain, so we went back to have another look. These prices seemed just too good to miss - but then I couldn't buy another apartment AND a property at auction. Choices, choices! After a lot of deliberation I decided to buy another new apartment! They won't be finished until the end of May at the earliest but here's a photo of the tower block as it is now:-


My apartment is half way up, so above the neighbouring roofline, with a westerly outlook. With so much glazing it is very light and airy. The balconies have still to go on and landscaping completed, and then they should look like this:

The letting agent went for a look then e-mailed me "I think it is fabulous and a great buy".

So, a hectic four weeks have flown by. No blogging done, but days full of choices, choices, choices. I've spent all my "ready cash" so will now need to carefully watch the pennies over the next few months. Its a shame I couldn't also buy one of the auction properties to renovate - I would really have enjoyed that challenge. I will hardly dare look to see what they sell for in the auction next Wednesday. But no doubt I will.

CHANGE OF PLAN - PROPERTY WISE

I've spent the last couple of years reading auction catalogues for property sales and then viewing potential purchases. We've seen some truly awful properties being sold by housing associations. Well, not awful in themselves, but trashed by the previous tenants. Appallingly amateur interior paint jobs, children's grafitti on the walls, broken or missing kitchen doors, soiled carpets, filthy toilets and baths. All being sold with low guide prices but ultimately too depressing for me to buy. I've viewed repossessed terrace houses with small back yards full of countless dog turds. How do people live like that? We've also looked at some new build developments but so often the rooms are so small that it takes a lot of ingenuity by the designers to furnish the show apartments [US = model homes] to create any illusion of space.

I've viewed many of these whilst Mrs Troy was at work during the morning. Keeping myself busy trying to invest spare cash now the banks pay such trivial rates of interest. The ones with potential, I've gone back for a second viewing with Mrs Troy, and often with Troy Junior in tow. He's becoming quite a property expert, making quite savvy comments. However until very recently I haven't found my ideal purchase. That was a shame because I think a series of blog postings about renovating an old wreck or trashed house would have made interesting reading.

When we first moved to the Ipswich area a new building development had just been started centrally by the river. As well as several low-rise blocks, it also included an eleven storey high-rise block of apartments although for a very long time, through the credit crunch, it was just a concrete shell - looking more like a multi-storey car park than housing. Driving past, on the other side of the river, I often said to Mrs Troy that I'd love to see the view from the top. Then earlier this year they started to fit out the concrete shell and the builder put adverts for these flats in the local newspaper. We viewed them, including the duplex penthouses, wearing our hard hats. I was interested but thought them still a little overpriced so took it no further. Then I got a text message saying the prices had been lowered. So we returned to have another look. We were then told that the sale of an apartment in one of the "Sold Out" blocks had fallen through and that "Head Office want it sold this weekend". It was fully furnished (to show standard) and was a very generously proportioned apartment with two bedrooms, two bathrooms and two balconies overlooking the river. As soon as I went in, it felt really comfortable and spacious and somewhere I could happily live.

That's always been my problem with property - using my heart rather than head - thinking "could I live here myself?" rather than the hard-headed approach of a seasoned property developer. That's why we've certainly missed a number of opportunities in the past and I've pushed Mrs Troy's patience to the limit (although I'm sure she really enjoys having a nosey around anyway).

I made an offer to the builder as a "cash buyer". They grimaced and said that Head Office would have to approve it but they would push to get it through. They would want a very quick exchange and completion. Well I'm pleased to say the purchase is now going through with completion stretched out a little until the end of March. Already, two letting agencies have given it the thumbs up and are actively looking for suitable tenants.

Here are a few photos - I know you've been patiently waiting for them through all the verbiage above.

This is a view of the apartment block with the footbridge over the tidal river and with the other, previously mentioned, high-rise block to the right.


Here's the view from the balcony looking across the river. It is only a couple of minutes walk to the Ipswich Borough Council headquarters and to its left, the Suffolk County Council headquarters. To the right are the County Court and the white floodlights, centre of picture, are Ipswich Town Football Club. It's a level 6 minute walk (I timed it) to the railway station and trains to London in just over an hour. The main shopping area is within a ten minute walk, as is the marina.


But you really want to see inside don't you? (Its okay you're not nosey, just curious). Here's the spacious main bedroom which has an ensuite bathroom and full length glass patio doors onto a balcony.


It will need some personal touches to make it look less like a hotel room and more like a home.

Here's the kitchen. Everything was included in the sale price, not only fridge/freezer, washing machine and microwave but even down to a set of kitchen knives, kettle and toaster.


The living area and kitchen are open plan which isn't really to my taste. I would have preferred at least a partition and archway but apparently the younger generation like to be open-plan. Here's the living area with dining just to the right. There's a another full length wall to ceiling glass wall/patio doors onto a balcony. Everything, bar the child, was included in the purchase price.


If I was 25 to 30 years younger (and childless) I'd happily live there and commute into London. Hopefully I'll find a young couple who'll think the same and rent it off me. With everything brand new inside (and it has been fully carpeted by the builder since the photos were taken) I'll be envious of them!

Although the property market is still weak and will most likely dip again before recovering I'm glad to have moved some money from cash to property. I'm concerned that higher inflation is waiting round the corner. Even if not, I still hope I've got myself a bargain. A spacious new 2-bed, 2-bathroom apartment, centrally located overlooking a river in one of England's county towns for a price only just into six figures. There are not many places you can do that here in England are there?

LEAD BALLOON/2 WEEKS IN BASEL

Well judging from the lack of comments, that last posting "2 weeks in Basel" (now deleted - but now reinstated, see comments for background) obviously went down like a lead balloon. It was a departure from my norm and obviously not to my readers' tastes.

Blogging is an experimental art - we live and learn.

I'll be back sometime over the next few days with another posting.

Troy

HERE'S THE ORIGINAL POST (BACK BY POPULAR DEMAND!).

I thought I'd share with you an interesting exchange of real e-mails that went between various people who organise fund raising/social events locally. For confidentiality reasons I won't identify the organisation or the real names of the people involved.

A recent event was themed as a ladies "pamper" evening just prior to Valentines Day. The chief organiser, let's call her "Brenda" is pregnant and wasn't well in the week leading up to the event so her husband took over her organising duties. Another helper, let's call him "George" enjoyed working with Brenda's husband and teased her with how much better it had been working with him instead of Brenda.

The event proved to be very successful - both as a community event and financially.

A couple of weeks have since passed and now the organising committee (Brenda, George, Susan, William and Troy) have just exchanged the following e-mails:-

Brenda : "I will have to give my parting goodbyes at this point as I am going to be as lazy as possible from now until the baby comes"

George : "does this mean your husband will be stepping in"

Brenda : "Hmmmmm unfortunately not. You seem to have taken a keen liking to him!"

George : "He's nicer than you!"

Brenda : "So you've said before. I'm sure he'll be afraid, very afraid when I pass on your unswerving compliments....or maybe not?"

George : "Maybe you don't know your husband as well as you think?"

Susan : "Hi everybody, when did we say we would meet again? Can't find my notes at the moment. George, I can arrange for some support if you are thinking of coming out of the closet so to speak."

William : "By my calculations we have four Tuesdays to choose before Easter. I can make the 16th or 30th March..."

Troy : "I can't make the 30th but I'm okay with the 16th after 7.15pm"

George : "I cannot do either as I am in Basel for 2 weeks"

Troy : "Having read the string of previous e-mails, I hope you and Basel have a happy two weeks together. PS - I don't think you needed to have been so graphic about it though!"

EARLY DAYS OF TROY

If you've arrived on this page hoping to learn about ancient Greek history then it is time to hit the backspace button. However, if you are regular readers of this blog then today I'm taking you on a trip back towards the middle of the twentieth century. Well mid 1960's to mid 1970's to be more precise.

Somewhile ago I scanned a number of my old Kodachrome slides into digital format. Then more recently I photographed a number of old photographs in my parent's album. I've just been looking at them again and I thought I'd use a few of them in a blog about the early days of Troy.

Here's me, with my sister when I'm about 10 and she's about 6. We are at Sewerby Park in Bridlington on the Yorkshire coast.


The next photo is taken towards the end of August 1966 when I'm eleven years old and about to start at the local Grammar School. I've always looked younger than my age and the short trousers in this picture don't help matters. Most of the boys in the first year at the Grammar School (now called Year 7) wore short trousers. It contrasts with Troy Junior, who has worn long trousers in winter and short trousers in summer to school since the age of seven or eight. Note too my school cap! It must be realised here that I'm proudly wearing the full uniform including the cap as the photo is taken just prior to me starting at the school. Later of course, I wouldn't be seen dead in a school cap although the prefects tried to enforce the uniform policy. Also, array of pens in blazer pocket (cringe!).


It's a photo of a photo and not very clear, but you get the general picture.

The next photo is taken about eight or nine years later. Away from the parental home I've grown my hair long in the style of Dave Davies from one of my favourite bands, The Kinks. Here, I'm running the shop in my university hall of residence. As we were fully catered with three meals a day, the shop just supplied the extras; chocolate bars, peanuts, biscuits, coffee, tea, sugar as well as things like washing powder. Looking at the photo, I'm also surprised to see cigarettes as I have absolutely no recollection from the time that we ever sold them.


Being elected "Shop Manager" by our Junior Common Room was, so far, my one and only election success in life. I won it by a landslide. My favourite memory of running this shop involved coffee speculation. In December there was an article in the newspaper regarding very poor coffee harvests. So at Christmas, instead of running down the stock and banking the money over the holiday, I instead used virtually all our funds to buy coffee from the cash-and-carry. In January we were short of most stock but the price of coffee had gone up about 80%. I was selling jars of coffee below supermarket prices but still making a substantial profit. When I was asked how we could undercut Sainsburys, my response was simply "bulk buying".

I have many happy memories of my time at the University of Nottingham. I'll leave you with a couple of photos taken on the campus, one in summer, one in winter.

NEWS UPDATE

I can't believe it is February already! Where did January go? So much for my resolution to blog more frequently - nothing posted since 12th January!

I thought I'd better give you a News Update.

Firstly, my computer has packed up working. Well when I say it won't work, what it actually does is open to the initial Windows screen. Here I have four users - Troy, Mrs Troy, Troy Junior and Guest. The first two are password controlled. Whichever one is clicked on, Windows opens for about four seconds showing the background screen but no icons. Then it logs back off and reverts to the first Welcome screen. So none of us can get into Windows and get at any of our files on the C drive. Now fortunately I've got all our digital photos backed-up and also some of my excel files but there are a handful of important files that I can't access and for which I don't have any back-up copies. AAAAAAAAGGGGGHHHHHHHH!

I also have a netbook and I've now got that connected to a proper keyboard and a large widescreen but that still doesn't get me to the files I need - tax return details, all my savings details (which are spread around several banks) and "interesting" things like my cars' petrol records etc. etc. It would take "forever" to recreate them. I was told that I could get into Windows "Safemode" by hitting the F8 key on boot up. I did that but even the various safemode options log me straight out of Windows when I try to open it. The data is safe on the hard drive but presently totally unaccessible. Any ideas anyone? £25 reward to the person who comes up with a satifactory fix.

Secondly, I owe you an update on the problem we were having with our car remote controls and all our neighbours' electric gates etc. We got a person from OFCOM to come out but the first time (Sod's law) everything was working okay. He came out a second time and then discovered that someone (not us!) had installed a faulty device to their TV to transmit signals around their home. This device was faulty and effectively sending out jamming signals to our remotes when it was being used. So the situation is now sorted.

Thirdly, almost a year ago I told you about how my MGF car had died from a totally broken engine. We finally got a quote for £1,864 to replace the engine with a new one (and put in a new clutch whilst the engine was out). We decided to go ahead but the new engine supplied was faulty and wouldn't rev past 1,500 rpm (ie. useless). The company fitting the engine had a long run in with the engine supplier and finally they got a further engine from a different supplier. The whole episode started at the end of last February and we didn't the car back until late May. That was still in time to enjoy the "barbeque summer of 2009" with it being a convertible. It's now done about 2,500 miles on its new engine and last week passed its annual MOT without any issues (thank goodness!).

Fourthly, I had to take over, with no notice, as Chairman of Troy Junior's school's board of governors. Just as the Head Teacher resigned! (No connection!!). I can't say anymore for confidentiality reasons, but already year-to-date I've spent nearly 30 hours just on this voluntary position! And the HT recruitment process will take up a lot more of my time over the next couple of months.

So, I've not had a lot of time for blogging, or indeed surfing the Internet in January.

SELF BUILD IMBY

I've choosen a rather enigmatic title for this posting. It is not often you read about "Imbies" but I wanted to find a title that both fitted the posting whilst not attracting loads of Google hits.

Now don't get me wrong, I love getting new readers but I want interested readers who will stick around not people who just stumble onto this blog in error, show up on the analytics as 3 second stayers before retreating in search of what they were really looking for in the first place. For that reason I always try and find a posting title that won't attract people in error. If you look back over some of my earlier postings you'll see what I mean.

Anyway, today I'm posting about my Self Build IMBY (hence the title). For several years I've fancied the idea of self-building my own home. Finding a suitable plot of land in a lovely location and then building the house of my dreams. All the aspects of a perfect house whilst incorporating all the latest environmental features. I've imagined spending months living on site in a caravan whilst we worked (or supervised) the project to reality.

Turning the idea from concept to reality would also make an interesting blog. At least I hope so although I would hate to build up your expectations too highly at this stage.

Finding the plot is the hardest part of self-build. Securing it in a competitive situation is difficult. There is nothing more frustrating than losing the plot. Now where was I? Oh, right, I remember! Recently I read in the newspapers about how many new houses have been built in the gardens of existing houses. This gave me the inspiration for my plot. You may recall seeing the following picture on a blog posting I did about fourteen months ago about our garden makeover:-

I'm showing you this photo again (a) to show you the plot for my new house and (b) because I think it is important at this stage to establish my recycling credentials.

It's important to me to use materials that are local, natural and cause minimal pollution both during occupation and when the property ultimately end its useful life. Many aspiring self-builders could start with such noble purpose but ultimately compromise in its execution. I was determined not to fall into that trap.

I was also determined to go for a minimalist approach to the design and to incorporate an open-plan layout. I showed my initial plans to Mrs Troy and Troy Junior and both felt I had achieved these objectives. All three of us decided that we wanted to be thoroughly involved in the construction stage and even Troy Junior volunteered to help with the brick laying. I felt this would be a great education for him as he quickly grasps concepts such as load-bearing walls. Construction-wise, the biggest problem is the roof but even here I wanted my green credentials to be clearly on display.

You are probably now anticipating lots of blog postings over a period of several months but the simple truth is that when Troy gets a bee in his bonnet he just gets on and quickly completes the job. So the fact is this "Self Build In My Back Yard" is already finished. Here's a photo with Troy Junior already in occupation.

The building has a negligible carbon footprint. It is minimalist, open-plan and at home in its environment. The roof is plastic, due to load bearing issues, yet manages to be the most green feature of the house! For those of you that worry about recycling, the house has natural drainage and in fact my most recent photo of the house clearly shows this in action.

Oh well! Back to the drawing board. At least now I can't be accused of being a "Nimby".

SCHOOL'S OUT FOR TROY WEEK?

Troy Junior goes back to school tomorrow (Wednesday). The teachers have been there since Monday but the first two days of term are "PD Days". PD stands for Professional Development and they are used for teacher training and updating purposes. I believe the concept started many years ago when these training days were called "Baker Days" after the government minister who first introduced them. I'm not sure when they changed the name to "PD Days".

I have had a potential brainwave - "Troy Weeks". I say potential as I'm interested to hear your feedback on my idea. I'm calling them "Troy Weeks" because I want the kudos should the concept turn into reality.

I've blogged here before about the enormous increase in the price of resort hotel rates, air-fares and package deals during the school holiday periods. A week at Easter or in the July/August period will cost more than double a similar week during the school terms. All the bargain offers tend to be during the school term. If you take your child out of school during term time to save a fortune on holiday costs then this is virtually guarenteed to be an "unauthorised absence" and in theory at least can lead to the parent being fined. As a Parent School Governor I have the added pressure of having to set an example and therefore have resisted the temptation to take Troy Junior on holiday during school term.

My new concept of the "Troy Week" solves this problem. During the school year there are five PD days. Normally they are taken over the course of the year, one day at a time (although this January two have been combined). The timing of the PD Days is set by the Local Education Authority so there is consistency within a region - all children being off school at the same time. A "Troy Week" would combine the five PD Days - taking them all together in one week. This would allow teachers to go off on residential training courses and have proper in-depth training and updating on new techniques and changes to the curriculum. There would be more time for in-depth target setting per pupil and more time to evaluate pupil progress and development needs in a calm and considered way. School policies and procedures could be thoroughly reviewed and revised.

There would be benefits for the school and the teachers by combining the five PD Days into a "Troy Week". Now lets look at the benefit to children and parents. If the various Local Education Authorities choose different dates for their "Troy Weeks" (eg. Suffolk in November, Yorkshire in May etc. etc.) then all the nation's families would not be going off on holiday at the same time. Suffolk parents could choose a week in the Canary Islands, Tunisia or Cyprus off-peak in November whilst Yorkshire parents would go off-peak in May. With thirty school weeks to choose from then less than 4% of the nation's parents would be holidaying at the same time. There would not be same peak demand and pricing during the "Troy Weeks" that there is during normal school holidays. There would be no excuse for parents to take their children out of school unofficially just to save money or to make a nice holiday actually affordable. Unofficial absences would be cut dramatically. It would also relieve some (a lot?) of the pressure for holidays during the school holiday period therefore reducing peak pricing on those weeks too.

To me the concept of a "Troy Week" has so many benefits but with minimal disadvantages. Do you agree? I'd love to hear your thoughts. In years to come when you hear a neighbour say "We're off to Tenerife for Troy Week" you'll remember me and being one of the first to read about the idea here first!