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21
Window Cleaning Forum / Re: Christmas
« Last post by Splash and dash on December 15, 2025, 10:02:28 pm »
Quote from: deeege on December 15, 2025, 09:55:57 pm
Is anyone getting the 220% increase in property value in ‘a few months’ like Splash is? Didn’t think so  ;D

Splash, of course nothing is certain with stocks and shares, the market rises and falls regularly but over the last 100 years has averaged 10% per year, far outperforming inflation and uk property values.

If you’re looking for short term gains then stocks and shares are not for you, stick to your property where you are getting 220% in just a few months  ;D


No property is a long term investment there are odd occasions ware ones have ended up with negative equity, but over time you will always get far more back long term , I started off buying stuff that needed work doing then sell it 3-8 months later and always made a good profit and that was by taking out a mortgage on them have done this for 35 years and made far more money than any investment in the stock market and no risk involved. Now have several properties rented out that will be my pension pot
22
Window Cleaning Forum / Re: Christmas
« Last post by KS Cleaning on December 15, 2025, 10:02:13 pm »
Quote from: Splash and dash on December 15, 2025, 09:47:38 pm
Quote from: KS Cleaning on December 15, 2025, 09:12:55 pm
Investing in property isn’t as attractive as it once was. Too many people were doing too well out of it and it was only a matter of time before the treasury got their slice of the pie. Firstly they changed the rules on tax relief from a mortgage, meaning tax relief was only allowed on the interest part of the mortgage and not the whole mortgage amount, which made a big difference if you were on a repayment mortgage. Also year on year they have reduced the personal allowance for capital gains tax. When we bought two buy to let properties in 2016 the personal allowance was £12 000, so because the properties were bought in joint names we had an overall allowance of £24 000. We sold one of the properties in November last year, by which time the personal allowance had reduced to £3000 each so £6000. Needless to say we had a rather large Capital Gains Tax bill to pay within 60 days of the sale. There is also PAYE to pay on any profits from rental income.
Then there was the issue of trying to evict a tenant, took 7 months to do it legally meaning a rent shortfall of over £5000.
I’m sure others will have different experiences, but for me with the taxation and the risks involved, all that glitters isn’t gold in property investment.


You need good advice on how to do it successfully and make money after the first one it’s easy if you buy to let buy having a mortgage then yes you are limited as to return , buying outright is the way ahead . I know many who make a huge living doing it , and you still have the value of the property that is constantly increasing as well as an income from it ,again you need good advice how to do it legally and the most tax efficient way to do it . But it’s a good living for doing very little once you have your first one then just repeat
I forgot the LBBT  (stamp duty in England) another tax grab on property investment.
23
Window Cleaning Forum / Re: Christmas
« Last post by deeege on December 15, 2025, 09:55:57 pm »
Is anyone getting the 220% increase in property value in ‘a few months’ like Splash is? Didn’t think so  ;D

Splash, of course nothing is certain with stocks and shares, the market rises and falls regularly but over the last 100 years has averaged 10% per year, far outperforming inflation and uk property values.

If you’re looking for short term gains then stocks and shares are not for you, stick to your property where you are getting 220% in just a few months  ;D
24
Window Cleaning Forum / Re: Christmas
« Last post by Splash and dash on December 15, 2025, 09:47:38 pm »
Quote from: KS Cleaning on December 15, 2025, 09:12:55 pm
Investing in property isn’t as attractive as it once was. Too many people were doing too well out of it and it was only a matter of time before the treasury got their slice of the pie. Firstly they changed the rules on tax relief from a mortgage, meaning tax relief was only allowed on the interest part of the mortgage and not the whole mortgage amount, which made a big difference if you were on a repayment mortgage. Also year on year they have reduced the personal allowance for capital gains tax. When we bought two buy to let properties in 2016 the personal allowance was £12 000, so because the properties were bought in joint names we had an overall allowance of £24 000. We sold one of the properties in November last year, by which time the personal allowance had reduced to £3000 each so £6000. Needless to say we had a rather large Capital Gains Tax bill to pay within 60 days of the sale. There is also PAYE to pay on any profits from rental income.
Then there was the issue of trying to evict a tenant, took 7 months to do it legally meaning a rent shortfall of over £5000.
I’m sure others will have different experiences, but for me with the taxation and the risks involved, all that glitters isn’t gold in property investment.


You need good advice on how to do it successfully and make money after the first one it’s easy if you buy to let buy having a mortgage then yes you are limited as to return , buying outright is the way ahead . I know many who make a huge living doing it , and you still have the value of the property that is constantly increasing as well as an income from it ,again you need good advice how to do it legally and the most tax efficient way to do it . But it’s a good living for doing very little once you have your first one then just repeat
25
Window Cleaning Forum / Re: Christmas
« Last post by AuRavelling79 on December 15, 2025, 09:47:13 pm »
I have a pension pot, stocks and shares ISA and property other than my main home.

As much by luck as by judgement.

I'm happy with all of them.

My pension pot had money put in between 1990 and 1996. It is now hovering at about 9x the amount of 1996.

My properties were acquired in 2011 and 2018 and I get rental income. The property value has increased by about 50% and 20% respectively.

The stocks and shares ISA has increased by about 350% in 22 years.

For reference my own home was bought in 1987. It has increased about 10x the original cost.

I believe I have been lucky in how Bristol and nearby prices have risen.
26
Window Cleaning Forum / Re: EV Van Drivers, give us an update…
« Last post by KS Cleaning on December 15, 2025, 09:46:39 pm »
Quote from: zesty on December 15, 2025, 09:37:45 pm
Quote from: KS Cleaning on December 15, 2025, 05:38:36 pm
That’s me paid a deposit on a 1 year old E Custom Sport. Will probably fly down for it on Saturday (Birmingham)… if not it will be between Christmas and New Year. That will then give me time to fit it out before starting back to work after New Year.

Exciting mate, keep me posted once you’re up and running with it 👍🏼
Will do👍🏻.. Was gonna get an electric reel from Daqua but they’re closed until Jan 4th.  I’m now thinking of going with an Enduramaxx 850 litre flat tank, it’s a similar footprint to the 500 litre version but obviously higher,  meaning if I fill it with about 500 litres of water this will reduce the risk of flooding when filling up from my IBC and should hopefully eliminate air locks.
27
Window Cleaning Forum / Re: Christmas
« Last post by Splash and dash on December 15, 2025, 09:41:50 pm »
Quote from: deeege on December 15, 2025, 08:48:10 pm
Quote from: Splash and dash on December 15, 2025, 08:44:11 pm
Certainly don’t call this wise investment you can get more than that on the right property in a few  months

Dunno where you got that from but the S&P has averaged 11% +per year  over the last 20 years. Saying the average person can 300% an investment in property passively in a few months is just bollox, it would take a lot of time, effort and ability and even then would be unlikely.

As a passive investment the S&P has outperformed average uk house prices by a distance.

It’s on Google for all to see . Again if you are carefully about the proprieties you buy , it can easily be done , ime not talking about buying on a mortgage and renting out but you can still do that and make money . Especially if you buy something do it up and sell it for a profit in a few months . Stocks and shares are not a guaranteed return all have clauses in the small print stating this , look at all the pension scandals over the years , a lot have lost huge amounts of money on the stock markets all over the world , investment in property is the best return and the least risky .
28
Window Cleaning Forum / Re: EV Van Drivers, give us an update…
« Last post by zesty on December 15, 2025, 09:37:45 pm »
Quote from: KS Cleaning on December 15, 2025, 05:38:36 pm
That’s me paid a deposit on a 1 year old E Custom Sport. Will probably fly down for it on Saturday (Birmingham)… if not it will be between Christmas and New Year. That will then give me time to fit it out before starting back to work after New Year.

Exciting mate, keep me posted once you’re up and running with it 👍🏼
29
Window Cleaning Forum / Re: Christmas
« Last post by KS Cleaning on December 15, 2025, 09:12:55 pm »
Investing in property isn’t as attractive as it once was. Too many people were doing too well out of it and it was only a matter of time before the treasury got their slice of the pie. Firstly they changed the rules on tax relief from a mortgage, meaning tax relief was only allowed on the interest part of the mortgage and not the whole mortgage amount, which made a big difference if you were on a repayment mortgage. Also year on year they have reduced the personal allowance for capital gains tax. When we bought two buy to let properties in 2016 the personal allowance was £12 000, so because the properties were bought in joint names we had an overall allowance of £24 000. We sold one of the properties in November last year, by which time the personal allowance had reduced to £3000 each so £6000. Needless to say we had a rather large Capital Gains Tax bill to pay within 60 days of the sale. There is also PAYE to pay on any profits from rental income.
Then there was the issue of trying to evict a tenant, took 7 months to do it legally meaning a rent shortfall of over £5000.
I’m sure others will have different experiences, but for me with the taxation and the risks involved, all that glitters isn’t gold in property investment.
30
Window Cleaning Forum / Re: Gutter vac filter.
« Last post by chris turner on December 15, 2025, 08:49:51 pm »
My last gutter vac I owned for 4 years, always used the filter, was still working perfectly but sold it as wanted something a bit more compact.
Newest vac decided to use without the filter as has so much more power without, approx 2 years after purchase both motors burnt out.
Honestly, I will continue using without the filter. Vacs work so much better without them and gets the job done so much quicker. I changed the motors myself at a cost of £250 and am happy to do that every couple of years if it makes my life easier.
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