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Mr Helmut Fromage

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Everything posted by Mr Helmut Fromage

  1. Nope - if that’s what it is I can mock until the person hiding or lying fronts up - I am 100% behind up front honest people. I have homosexual people in my family we’re all mocking the farmer getting outed - as should you
  2. CBE Anachronism Chocolate Bell End Caught Bumming Everyone Crosby Boy Employee
  3. Anachronism time starting with CBE Cleaners Back Entrance
  4. There is a lot of misunderstanding regarding BTL as Facebook and some on here think it is a "Get rich quick scheme" it isn't. I have seen one recently - 2 Bed in Governors Hill sold at £249,950 and subsequently advertised for rent at £900 per month. Full years income of £10800.00 - Gross Yield 4.32% - now take out taxes £2160.00 Rates approx £1000.00 put 1 months rent as a repair budget / Gas serving etc of £900.00 then your Net Yield is 2.69% - however in your first year your going to have Legal fees, letting fees and period of time when the property is empty - so will be in a neutral position for 12 months (negative if prices dip.) This assumes that the new owner has bought for cash with no debt - fag packet Mortgage calculations used to be £5.00 per month for every £1000 borrowed - If you had a mortgage on this property of £100,000 (40% Loan to Value) repaying £500.00 per month your overall Net return would be approx £62.00 on a monthly basis. Is there any room for capital growth in the asset ? UK residential property benchmarks at approx 5.00% - 6.00% gross yield to make it viable - so the rent would need to be £1200 per month for a 2 bedroom Governors HIll house. Which begs the question - Are Landlords undercharging rents based on the current sales prices ? If I had £250,000 burning a hole in my pocket BTL would not be the way to go.
  5. Didn't know how much it was to send a letter - an absolute costume of a politician.
  6. My understanding too - as Honda have some of their senior representatives on Island at present - making enquiries for various resources on a "Might happen - might not" basis
  7. It’s like putting Live & Let Die on at 4pm on Xmas Day “That’ll keep them quiet for a bit” predictable dross
  8. Red Arrows bit of a wow in the 70’s but get a grip - if you queue to park and chin up open mouth gawp and point at a fucking plane spewing coloured shite and not crashing in this decade you are the Fast Show parody…
  9. If the need unfortunately arose Due to COVID - by being altruistic would you be “Anti Ventilator” as enthusiastically as you are “Anti Vax” ?
  10. Let’s not argue over dialogue or dialect - the human named Geoffrey Boot is an insufferable self indulgent twat
  11. So the narrow minded Tory BBQ harbour expert essentially said “Boat in the Morning” to a constituent….
  12. Reason 26: Spineless hen pecked weak husband of Ann - finds it easier to nod in support of deluded ranting wife which gives him some degree of peace.
  13. Ignoring uneducated narrow minded shit is something that is also strongly recommended
  14. Ludicrous- Port Heroin should be 3 x Island rate they’ve got the Listed Building of Significance Cosy Nook Rat Farm Cake window to fund….
  15. I know 3 people / tradesmen who have nice new kitchen units and worktops due to “ordering and delivery issues” with the Wlllastonbjob fair play as it’s a not checked free for all with cost of projects - they have their own electricians but contract in SCS to change smoke alarms at £35 an hour…. Race to the bottom
  16. Rob’s comeback was shocking at worst / juvenile at best. For the Children’s Champion to essentially say “they are the wrong type of under privileged children so not my responsibility” says everything you could possibly need to know about him - typical blame shifting establishment spineless yes man.
  17. Admin please pin this to front page as “Man in Pub said” example of uneducated lazy shit posting - thank you
  18. Brilliant he’ll stand for even longer periods of time outside the Co-Op in a shit tie glowering at everyone. I sat next to his wife at an event I couldn’t avoid and she told me she was “The Mayoress of Onchan”….. and in one sentence the mentality of the household became apparent.
  19. The People’s Prince and appointed Government Children’s Champion seems to have disappeared into must get elected for a second term mode. @Rob Callister why have you given no support for subsidised School Dinner support during the Summer holidays for under privileged families ? Why have you disappeared for the last 18 months Fulfil your appointed obligations - which is a minimum expectation of an elected official - to not is to fail which is your only consistent trait.
  20. The Tuesday night cycling was one of the worst examples of competitive pushy parents i have ever seen. Parents arriving early to set up a 6 years olds bike at the front of the start line - 10 year old kids riding £3000 + carbon frame bikes as some sort of parental vanity project - avoid at all costs
  21. And Tommy’s love was Becky……
  22. My point (whilst poorly made) is to highlight the lack of awareness and hollow rhetoric these candidates propose in their manifestos - Robin Turton also spouts on in his about curbing needless ratepayer expenditure - expecting voters to ignore the £8000 legal bill on a "He said - she said" argument that he's involved in - mind blowing.......
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