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Gorsh

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Everything posted by Gorsh

  1. NFU include breakdown cover (just recovery not the full monty) with their car insurance. At the last renewal the price was too high so went elsewhere and needed separate breakdown cover, looking around I chose Green Flag which looked the best value, I’ve never claimed but their reviews are good. AA and RAC are reputed to be best but expensive.
  2. Interactive Investor https://www.ii.co.uk/ look good, and they specifically say Channel Islands and Isle of Man residents can open a share and fund account. Seriously thinking of moving my Hargreaves (their small print excludes IOM residents, but no sign of being kicked out yet) business to them.
  3. Gorsh

    Bottled Gas

    Best thing is to ask Manx Gas about getting the large bottles - we've had them for years and just have to phone when a bottle needs changing. We have oil heating with a gas hob and fire (but we hardly ever light the fire).
  4. About five years ago we had our roof replaced by Monarch Roofing from Ramsey, they did a great job and I’ve recommended them to two friends who used them and we are all very happy with their work.
  5. I find sending emails from Manxnet when off Island to be very difficult - even when in the UK. They sometimes work depending on the internet connection I think. Receiving them is OK though, so for sending I just use gmail as suggested.
  6. Gorsh

    Bitcoin

    I've been watching cryptocurrencies for a while with interest - I decided to have a punt last week and bought a company that invests in them (RIOT), typically it dropped afterwards, but is now almost back to break even for me so I'll see what happens, it's a bit of fun really as far as I'm concerned - but obviously I'm allergic to losing money so hoping to make a profit and then get out. Interestingly Hargreaves Lansdown are selling a fund for blockchain stuff now - and it's doing well all last week when I was watching - wish I'd bought into that instead! As advised above I would never go big into this, definitely no more than prepared to lose as it's volatile to say the least.
  7. I have used bullionbypost, very reliable and prices as good as anywhere. Buy all sorts of coins or bars, gold, silver or platinum. https://www.bullionbypost.co.uk
  8. Yes, we were given that choice - but it was restricted use (only allowed to hold the investments you already own, and no further trades allowed) and no money could be added, so useless really. Also Barclays won’t allow Manx residents to open new accounts. Another option is iWeb who still allow Manx residents in.
  9. Barclays Stockbrokers recently moved to a new platform and in the process they effectively kicked out all Isle of Man residents who had stockbroking accounts with them. Hargreaves Lansdown have been OK with Manx residents so far - but maybe this is about to change? Like Paul1 I would be interested in any information anyone has on this.
  10. Thanks for the link - will consider them/him.
  11. Hi all Can anyone recommend someone who can draw up plans for me to apply for planning approval - it's not a big job, widening and extending driveway and making an existing car port into a garage. I've checked and I do need permission. Thanks.
  12. Glad it all worked out ok, sounds like the dealer went that extra mile with the trade plates aswell. If you'd recommend the dealer could you post who it was?, i'll be looking for a new car myself soon and its far easier dealing with someone who has dealt with an IOM resident before. I bought a BMW 520d and found it via Autotrader website. I had telephone conversations with three dealers - one a BMW franchise and two independents - the one I bought from was a small garage called Rydal Motors in Preston. A quick google will find their web site. The owner Gary was a good bloke and very helpful - the car was a lot cheaper than it would be here in the IOM. The only negative I would say is to carefully check everything works on the car before leaving, I noticed the aircon wasn't working just after I left so I went back and he arranged for it to be fixed within the hour so I was very pleased with his aftercare - just a pity the pre-sale checks hadn't picked it up. I would definitely buy from him again. Gordon
  13. Have now been over and bought a car yesterday, came back on the overnight boat last night so I thought I'd update you. The dealer was happy to give me the complete V5, but the tax had ran out and the Post Office wouldn't allow him to tax the car without sending the ownership change bit of the V5 to the DVLA - they told him this was a new 'rule' they had to apply. I would normally then have used a relatives or friends address in England and wait 4 weeks for the V5, but the car I was buying was 3 years old on the 1st September so I was keen to avoid the hassle and expense of the test. After discussing various options the dealer very kindly allowed me to drive the car home on a pair of his trade plates - I posted them back to him next day delivery. So the car is now re-registered, insured, taxed and new number plates fitted - all done in a couple of days. The only thing I am no wiser on is if you can claim unused tax back from the IOM or not - but this wouldn't be a problem if you register it to a UK address as they would send the refund there. Now I have done this once I wouldn't hesitate to do it again as UK dealers are generally cheaper - and there is a larger choice of cars without going too far from Liverpool or Heysham. Thanks for all your input folks. Gordon
  14. Thanks very much folks, there seems to be different opinions about the tax refund - maybe it depends who deals with it at the DVLA and it's a matter of luck if they refund it or not. I will try and get the full V5 from the dealer, I can assure him it will be returned to the DVLA by the IOM Government. If he insists on sending it off I might be best using an address in the UK as then they can send me the full V5 when it arrives - otherwise if I use my IOM address it sounds like I could be waiting a while before I can re-register it here. Thanks again everyone for your input - just got to hope the car I want is still there when I phone tomorrow, I have got two alternatives though so I will probably go for one of them. One thing is for sure - the dealers over there are cheaper than here - the dealers here seem to want it both ways, ie charge over the book price when you buy and give you the bare book price when you sell. Gordon
  15. Thanks for all your replies folks. There a still a couple of scenarios though that I'm not completely clear about if anyone has the patience to explain please. The car will be over 3 years old so I need to get it back here and tested before I can re-register it. Insurance wise I am clear about - insure on the UK registration number first then change it as soon as it is re-registered. If the dealer is happy to hand over the complete V5 am I correct in thinking the IOM Post Office keep the V5 and inform the DVLA? If the dealer insists on sending part of the V5 to the DVLA, I assume they will not process it with my IOM address as the new owner, so when they return it will the DVLA send it to me or back to the dealer? I would obviously like to claim back any remaining UK tax left on the disc, can I do that from my IOM address? Do I just return the tax disc and ask for a refund? I have a shortlist of 3 cars to go and look at so I'm not sure yet which of the above scenarios I will be faced with. Many thanks. Gordon
  16. Hi everyone There must be many of you who have bought a UK car and imported it here to the IOM. I know there is other threads talking about how long you can use it here before getting it tested and re-registering it etc, insuring the car is no problem as all I need is the registration, make and model etc, but that part is straight forward and not what I need to know. I am about to buy a car from a UK dealer - a used car, not new. I have not done this before and wonder what procedure everyone else follows. I understand the dealer cannot change the ownership to me at my IOM address - I have no relatives or friends in the UK I want to ask to use their address, so how do I get around this please? Can I use the dealers address - or maybe persuade the dealer not to change the ownership and just hand me the complete V5C document - if he agrees to that and I hand it in here to re-register it does that cause any problem? I would be able to prove ownership by producing the sales invoice. Can anyone please help with the UK side of this process - once the car is on the Island I am happy with the procedure I need to follow. Many thanks Gordon .
  17. Another vote for Garmin Nuvi - has IOM turn by turn including postcodes so ideal for visitors. I use it across and it's fantastic, not only in directing but constant updates of your arrival time - really handy when driving to the boat. Anyone who uses off road satnav for walking, mountain biking or geocaching may be interested to know the IOm Government have made available to Garmin users the 1:25000 IOM maps, this is the large scale used on the footpath/leisure printed maps and has a lot more detail than road maps or the standard OS maps. Best of all it's free from the Garmin web site (only works with the outdoor handheld Garmin units AFAIK). I use an Oregon GPSr for Geocaching and the detailed IOM map is great when off the beaten track.
  18. Price now reduced to £4250, this car would be over £5000 from a garage.
  19. 1.25 Style 5 Door Climate First Registered in January 2007 25000 miles Red (Tango) Air conditioning, electric front windows, electric mirrors, radio/CD. Full service history, serviced and new tyres last month. Selling due to new (larger) car purchase. Lovely car at a good price of £4250. Telephone 842179 or 419828.
  20. 1.25 Style 5 Door Climate First Registered in January 2007 25000 miles Red (Tango) Air conditioning, electric front windows, electric mirrors, radio/CD. Full service history, just been serviced, new tyres. Selling due to new (larger) car purchase. Lovely low mileage car at a good price of £4400. Telephone 842179.
  21. A Richardson (from Barregarrow) hand made steel frame trailer with plywwod sides and base, the box is 5ft x 4ft, 'A' frame towing bar with ball socket. Also has pneumatic tyres and indespension. Unused for a while but stored under cover. It's taking up space we need in the car port, so I am offering it at only £100. Telephone 842179 or pm me for more info.
  22. A Richardson (from Barregarrow) hand made steel frame trailer with plywwod sides and base, the box is 5ft x 4ft, 'A' frame towing bar with ball socket. Also has pneumatic tyres and indespension. Unused for a while but stored under cover, with a coat of paint and new indespension units (which are worn out) this would make someone a cracking trailer. Taking into account it needs some work I am offering it at only £190. Telephone 842179 or pm me for more info.
  23. Thanks for that joey, will give him a call if I decide to go for nearly new - it seems most new CRV's need to be factory ordered as stocks are low (probably deliberately by Honda to keep demand and prices high), so getting it from a franchised dealer will be just the same whoever orders it.
  24. Thanks for all your replies. To answer some of the points raised - I do appreciate the loss of revenue to the IOM, but I'm talking about saving around £2500 out of my own pocket, the cost of bringing it over is peanuts compared to the saving. Manx companies have got to realise we have a choice, I wouldn't mind paying up to £500 extra locally but no more. I'm not sure if the Manx address is a problem, but if needed I will find a way around it. Cambon - thanks for the tip about other Manx companies (independent dealers) who will shop around and get the discount - I will look into that as an option. Cheers again all. Gorsh
  25. I want to buy a new Honda CRV Diesel (chosen after research into size, quality, economy (43mpg combined) and low depreciation - and of course personal preference!). Has anyone bought a new Honda car from a dealer in the UK? if so I would appreciate some info on how you got on. Car dealers here on the IOM have a monopoly and won't give much discount, on checking online and speaking to a dealer when I was across recently there is much more competition and therefore better deals over there. As well as from dealers you can buy from online brokers, many of which are mentioned in car magazines, so I assume they are a viable option - anyone used one, and were they OK? Cheers Gorsh
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