Christmas Message 2006
Our second Christmas in Canterbury arrives with much to report about our first full year in this lovely corner of Kent. Although at times it seems that we have made little progress, physically we have achieved an enormous amount. We have purchased and put into service 6 properties which now form the basis of an income producing business for us. We have sold our London properties and moved everything (including old motorbikes and an attic full of stuff) down to our now permanent place of residence. Where the feeling of “little progress” is apparent is in our own living circumstances and spiritual welfare. We are still living in a half decorated 1960s box house (with a lovely flat roof – no attic space!) which has 3 bedrooms and now has 8 full time residents including us. You work out the maths. Actually to be fair we have just completed the conversion of the garage into a fourth bedroom which makes it a little more bearable. However, living like this has been challenging and without the close support network that fed our spirits in Ealing, it has at times been hard going.
The boys have been great. Having had a year travelling and now a year living in conditions that are not much different to a caravan/boat/airport or RV, they seem not to be too disturbed by our lack of facilities and home comforts. Their school has been the constant factor for them (in fact for all of us – since it is why we are here) bringing a sense of rhythm and focus. Driving them out to the school in the middle of beautiful Kent farmlands everyday and watching them prosper has been a joy. We simply cannot overstate how much better Steiner Waldorf education is for them. What is apparent is that we are the only parents we know who have nothing but praise for their children’s school and the system of education they are using. Just imagine “no SATS” and no “league tables”. There is so much not right about our state system ...... and we thought it was “education, education, education”.
Julie has been far more involved in the school in the last 6 months and has made a big impact. Apart from the standard of baking improving immensely, the parents organisation has been inspired. Julie became the Chair of the parent contacts (parents committee). As a result, this year’s advent bazaar (the main fundraiser of the year) broke all records in generating funds for the school. Julie’s class stall produced over double the income of last year’s. More importantly the organisation of the event was well prepared and completed with far less stress than before. Everyone agreed that she had been instrumental in this process. The school will never be the same again.
So the whole school / life thing is beginning to work well and this keeps us going when we look around at our primitive physical environment at home.
In addition to “running the school”, Julie is also working at her job. Billed as a “part time” job (what it really means is part time money for full time work) it has turned into a major undertaking. Her partner has been ill off work for some time and she has been doing at least 2 people’s work. The organisation for whom she works (Kent Refugee Action Network) has had it’s problems too, which has distracted from the work to be done and caused additional levels of stress.
In addition to the school and the job, Julie has also been looking after 8 people at home (have we ever been left hungry? – like heck), 6 properties (we are now up to managing 32 beds – just imagine the laundry – up to 5 loads a day) and church activities, like selling Christmas cards to support church members in Uganda.
We have also managed to receive some visitors this year which has been a real blessing and joy. It is clear how important our friends and family are to us. Thank you for being there.
For my own part, I have been responsible for the buying of the properties and much of the day to day running of the business. I have discovered the joys and sorrows of ironing, toilet cleaning, decorating, waiting for clients to arrive and working for the best part on my own. Probably one of the main reasons small businesses fail is the fact that working by yourself can be a tedious and sole destroying task. It saps your drive and tests your determination. If you are not a “loner” you are in for testing time. I hate it. Working by myself does not sit well with me. Julie tries to come with me to the flats as much as possible (when she does we always seems to get more than twice as much done) but of course her time is limited.
To alleviate the pain, I have taken a greater interest in stock market trading and now spend a couple of hours a day “fiddling” (as Julie calls it). I have not had very impressive results this year (have you ever met a rich day trader?) but more lately I am following several disciplined approaches (discipline is essential) that look more likely to be profitable. My own view, which I have been spouting for a year now, is that the markets (housing, equities, commodities) are scheduled to experience a significant correction (downward). I am trying to prepare for this and position myself to take advantage of it. Remember house, share and commodity prices can go down as well as up and never invest more than you can afford to loose!
News from our families includes: my sister Suzanne and her husband Rob have decided that old Blightly is not for them and are flying off to Auz (envy and sadness but joy for them) , my brother Tony and his wife Carolyn have become grand parents (my niece Lauren became a mother to Weslie this summer), my mother has been suffering a number of ailments including something called “transient amnesia” which means she sometimes doesn’t know what she just did but she has been well looked after by her husband Paul. Julie’s Mum and Dad have had some health issues this year but on the whole seem well disposed. Oh and we acquired 2 new members of the family; Sneezer and Cheeseburger the boys pet rats.
We are all looking forward to a more stable year next year and one that is perhaps run at a more dignified pace (I am still trying to teach Julie to say “no” to new jobs). I do hope that we may see you in the New Year and that this season meets you with joy and celebration for the birth of our Saviour Jesus Christ.
Links:
www.canterburyservicedapartments.co.uk
Saturday, January 13, 2007
Canterbury - 13th January, 2007
Happy New Year to all.
Our year has started with a bang. Enquiries for rentals are coming in all the time now. Before Christmas it was dead. Now we are up and running again. We are taking bookings for the summer and as far ahead as September. We have had some great long term bookings of 6 weeks or more. We are also getting corporate bookings which are really good as they tend to be at top dollar.
I have also just rented our student house out for the academic year 2007-2008. Students who are in halls of residence for their first year start looking for their second year' s accommodation in January and all the houses are booked by the end of January. We got a good group of 6 girls for the student accommodation and a load more enquiries. Julie suggested we got one of these other groups to come and look at our house, where we are living. Even though it is in a state, they loved it and it is now booked for the next academic year as well! So we have to move again. Oh yes please.
Good thing that we found a house already. Just a few days ago I think we found the largest house in Canterbury that we have ever seen which is at a price we could afford. OK it is 1970s horrible but it has 5 bedrooms and 35 foot long attic room with proper stairs going up to it, a master bedroom with a huge en-suite bathroom (just imagine how much we will be able to rent that out for - and you thought we might take it for ourselves - pah). It also has 2 internal garages (I'm thinking 2 more bedrooms or a swanky granny annex) and off street parking for at least 6 cars. Our offer has been accepted but there is work to do on our house (we are having the front garden converted into hard standing for parking at the moment) with a new kitchen and wiring and re-decoration and there is lots of work to do in the new house: 3 new bathrooms, 2 new kitchens and a redesign of the ground floor to create that King Edwards Gardens kitchen/diner that we hanker after.
At home we have just had 2 Perivian girls move in who are staying for 5 weeks on an english course (it is their summer holidays now) and a german boy who is on a 3 month exchange at the boys school. We also have our long term PGCE student so now we are back up to our normal compliment of 4 lodgers. They completely pay for the mortgage and council tax. We live for free.
Julie and I are doing a little invigilating at the moment as our school is doing the A/S level re-sits. Looks to me like most of them are sitting them again but at least the papers looked as if some work might have had to have been done in order to complete them.
Julie is working like stink. Most not doing her job (finding and matching mentors with refugees who need help) but farting about with the organisation of the enterprise that is supposed to support her. The lottery funded charitable quango would survive for about 30 nano seconds in the real world but it is run by hopeless incompetents who really couldn't organise a ...... Just imagine how this saps her. She is ready to leave, if it weren't for the refugees.
The boys are back in school. Sammy comes home every day covered from head to toe in mud. I suppose it's better than being stuck inside. Julian has made friends with a really nice boy and is pushing out towards teenagerdom with interest. He thought the other day that he would like to go to university. Don't know where he got that from!
Christmas was quite interesting. We had 17 for lunch. Our chinese girls stayed with us and we great fun and mucked in with everything. We had Rob and Suzanne (my sister and her husband and 2 boys) who are about to leave us for Australia - oh thanks alot guys. They are emigrating like. I guess it means that we will have to go and visit at some stage. We never got to Australia on our trip so going there will be an adventure.
Happy New Year to all.
Our year has started with a bang. Enquiries for rentals are coming in all the time now. Before Christmas it was dead. Now we are up and running again. We are taking bookings for the summer and as far ahead as September. We have had some great long term bookings of 6 weeks or more. We are also getting corporate bookings which are really good as they tend to be at top dollar.
I have also just rented our student house out for the academic year 2007-2008. Students who are in halls of residence for their first year start looking for their second year' s accommodation in January and all the houses are booked by the end of January. We got a good group of 6 girls for the student accommodation and a load more enquiries. Julie suggested we got one of these other groups to come and look at our house, where we are living. Even though it is in a state, they loved it and it is now booked for the next academic year as well! So we have to move again. Oh yes please.
Good thing that we found a house already. Just a few days ago I think we found the largest house in Canterbury that we have ever seen which is at a price we could afford. OK it is 1970s horrible but it has 5 bedrooms and 35 foot long attic room with proper stairs going up to it, a master bedroom with a huge en-suite bathroom (just imagine how much we will be able to rent that out for - and you thought we might take it for ourselves - pah). It also has 2 internal garages (I'm thinking 2 more bedrooms or a swanky granny annex) and off street parking for at least 6 cars. Our offer has been accepted but there is work to do on our house (we are having the front garden converted into hard standing for parking at the moment) with a new kitchen and wiring and re-decoration and there is lots of work to do in the new house: 3 new bathrooms, 2 new kitchens and a redesign of the ground floor to create that King Edwards Gardens kitchen/diner that we hanker after.
At home we have just had 2 Perivian girls move in who are staying for 5 weeks on an english course (it is their summer holidays now) and a german boy who is on a 3 month exchange at the boys school. We also have our long term PGCE student so now we are back up to our normal compliment of 4 lodgers. They completely pay for the mortgage and council tax. We live for free.
Julie and I are doing a little invigilating at the moment as our school is doing the A/S level re-sits. Looks to me like most of them are sitting them again but at least the papers looked as if some work might have had to have been done in order to complete them.
Julie is working like stink. Most not doing her job (finding and matching mentors with refugees who need help) but farting about with the organisation of the enterprise that is supposed to support her. The lottery funded charitable quango would survive for about 30 nano seconds in the real world but it is run by hopeless incompetents who really couldn't organise a ...... Just imagine how this saps her. She is ready to leave, if it weren't for the refugees.
The boys are back in school. Sammy comes home every day covered from head to toe in mud. I suppose it's better than being stuck inside. Julian has made friends with a really nice boy and is pushing out towards teenagerdom with interest. He thought the other day that he would like to go to university. Don't know where he got that from!
Christmas was quite interesting. We had 17 for lunch. Our chinese girls stayed with us and we great fun and mucked in with everything. We had Rob and Suzanne (my sister and her husband and 2 boys) who are about to leave us for Australia - oh thanks alot guys. They are emigrating like. I guess it means that we will have to go and visit at some stage. We never got to Australia on our trip so going there will be an adventure.
Tuesday, November 07, 2006
Canterbury - 7th November, 2006
The house sale completed on King Edwards Gardens 2 days ago and we simultaneously completed on another 2 bed apartment which we are going to set up as a serviced rental. We have someone moving in today. All the apartments (4 in total) are now occupied but rentals from the middle of November look very scarce at the moment. Christmas in completely booked and we have already taken a couple of bookings for the new year but we are just wondering what to do in November. Does anyone want to come and visit?
We are both working very hard with Julie on a seemingly endless treadmill of activity. Whoever said moving out of London would be a change of pace? We are still not in a break even position with our income and expenses. I really need to have 8 or 9 properties. We now have 6 including ours (which I am converting into a student / sharers rental property) and the 6 bed student house. The business would be a nice little earner on the side if that's what it was but it's not. It's our prime source in income apart from Julie's part time salary. So we need to keep going with another few properties. We are keeping our eyes open but they are hard to come by here.
The house sale completed on King Edwards Gardens 2 days ago and we simultaneously completed on another 2 bed apartment which we are going to set up as a serviced rental. We have someone moving in today. All the apartments (4 in total) are now occupied but rentals from the middle of November look very scarce at the moment. Christmas in completely booked and we have already taken a couple of bookings for the new year but we are just wondering what to do in November. Does anyone want to come and visit?
We are both working very hard with Julie on a seemingly endless treadmill of activity. Whoever said moving out of London would be a change of pace? We are still not in a break even position with our income and expenses. I really need to have 8 or 9 properties. We now have 6 including ours (which I am converting into a student / sharers rental property) and the 6 bed student house. The business would be a nice little earner on the side if that's what it was but it's not. It's our prime source in income apart from Julie's part time salary. So we need to keep going with another few properties. We are keeping our eyes open but they are hard to come by here.
Tuesday, September 19, 2006
Canterbury - 19th September, 2006
There is a feint mist and chill in the morning air. 45,000 students have re-populated the city and there is an air of expectancy. Quite exciting.
We have had a busy summer with our apartments booked 80% in July, 100% in August, 100% in September and already 70% booked in October. Christmas is full and we have taken a booking for the Tour de France coming to Canterbury in July next year.
I have never seen a business where the original budgets were wrong by a factor of 2 in our favour. The business is profitable at around 60% occupancy supposing that you don't give away too many discounted weeks. We have just bought another 2 bedroom apartment which will be our top end luxury rental. It's gorgeous. We all want to go and live there ourselves.
We continue to live in our flat roofed 1960s box house with the builders currently converting the integral garage into bedroom 4 and the dining room into bedroom 5. We currently have 2 chinese students in one room and a PGCE student in another. The 4 of us continue to sleep in one room.
Julie is working hard with her refugees, the school (she is already the Chair of the Class Contacts) and trying to keep me and the boys out of trouble and on the straight and narrow. A huge task in itself.
Our vicar has just returned from a 6 month sabbatical and it looks like there are some interesting months ahead of us!
There is a feint mist and chill in the morning air. 45,000 students have re-populated the city and there is an air of expectancy. Quite exciting.
We have had a busy summer with our apartments booked 80% in July, 100% in August, 100% in September and already 70% booked in October. Christmas is full and we have taken a booking for the Tour de France coming to Canterbury in July next year.
I have never seen a business where the original budgets were wrong by a factor of 2 in our favour. The business is profitable at around 60% occupancy supposing that you don't give away too many discounted weeks. We have just bought another 2 bedroom apartment which will be our top end luxury rental. It's gorgeous. We all want to go and live there ourselves.
We continue to live in our flat roofed 1960s box house with the builders currently converting the integral garage into bedroom 4 and the dining room into bedroom 5. We currently have 2 chinese students in one room and a PGCE student in another. The 4 of us continue to sleep in one room.
Julie is working hard with her refugees, the school (she is already the Chair of the Class Contacts) and trying to keep me and the boys out of trouble and on the straight and narrow. A huge task in itself.
Our vicar has just returned from a 6 month sabbatical and it looks like there are some interesting months ahead of us!
Sunday, July 16, 2006
Canterbury - 16th July, 2006
Business as usual. Bookings are OK. We are running at around 70% occupancy at the moment. August is looking a little poor but we seem to do quite well with last minute bookings.
School finishes in 2 days time which is great for the boys but a challenge for us. We are not going to New Wine this year (sorry Lynn and Simon) as we have to stay and look after the clients.
The weather in this part of Kent is always a few degrees hotter in summer (and cooler in winter), so we have been enjoying some really hot days here. Perfect for me but not so good for Julie.
The boys have had a good term and have done some great performances in their end of term shows and displays. I have some photos above.
Julie is working hard with her mentoring project but is quite distressed by the management of the organisation. Not quite what she is used to.
I am convinced that the world is about to suffer a set back of significant proportions in the financial and property departments. I have sold all of my shares, liquidated my SIPP pension and now hold these assets in cash. During May the stock market fell 10% but this is just the tremor before the quake. Hold onto your shirts in the next few years. There will be people trying to rip them off your backs.
I have also sold our pride and joy: the house in King Edwards Gardens. The deal has yet to complete and I am hoping to get it through before the property crash bites. It is a sad moment but it has served us well and I need to use the money more productively down here in Canterbury.
To supplement our summer holiday income we have taken in 3 language students at home. A 14 year old boy from France, a 17 year old boy from Shandong Province in China and a 22 year old boy from Russia (Moscow area). Makes for an interesting breakfast. The language schools are just around the corner from us and they provide the students with lunch and evening meals during the week, so it's not such an onerous proposition.
Business as usual. Bookings are OK. We are running at around 70% occupancy at the moment. August is looking a little poor but we seem to do quite well with last minute bookings.
School finishes in 2 days time which is great for the boys but a challenge for us. We are not going to New Wine this year (sorry Lynn and Simon) as we have to stay and look after the clients.
The weather in this part of Kent is always a few degrees hotter in summer (and cooler in winter), so we have been enjoying some really hot days here. Perfect for me but not so good for Julie.
The boys have had a good term and have done some great performances in their end of term shows and displays. I have some photos above.
Julie is working hard with her mentoring project but is quite distressed by the management of the organisation. Not quite what she is used to.
I am convinced that the world is about to suffer a set back of significant proportions in the financial and property departments. I have sold all of my shares, liquidated my SIPP pension and now hold these assets in cash. During May the stock market fell 10% but this is just the tremor before the quake. Hold onto your shirts in the next few years. There will be people trying to rip them off your backs.
I have also sold our pride and joy: the house in King Edwards Gardens. The deal has yet to complete and I am hoping to get it through before the property crash bites. It is a sad moment but it has served us well and I need to use the money more productively down here in Canterbury.
To supplement our summer holiday income we have taken in 3 language students at home. A 14 year old boy from France, a 17 year old boy from Shandong Province in China and a 22 year old boy from Russia (Moscow area). Makes for an interesting breakfast. The language schools are just around the corner from us and they provide the students with lunch and evening meals during the week, so it's not such an onerous proposition.
Monday, June 19, 2006
Canterbury - 19th June, 2006
Some time since I last posted! We have been so busy with getting the apartments up and running.
I has been hard work but then we have had a nearly 100% rate of occupancy for the last 8 weeks. The end of June and begining of July look a little less busy but then our bookings pick up again.
I have rediscovered the joys of ironing - something which I really enjoy but rarely used to do. Now when 4 people move out of an apartment, you need to wash and iron all the bed clothes to prepare for the next lot. We do have 2 sets for each bed but we seem to be turning them around pretty quickly at the moment. Last week we had 10 people move out - that's 20 sheets and 20 pillow cases. I think ironing may be outsourced shortly!
It seems that the one bed apartments is the mosts popular. It has been 100% occupied since it first came on stream which was 7 hours after we completed on the purchase on the 26th of April. We may need to find another 1 bed apartment to keep up with the demand. I have had to turn customers away.
We are invigilating too. We are now doing the actual GCSEs which are quite fun. There seems to be a little more commitment by the students this time around although we still have those who finish an exam of 1 and half hours in less than 20 minutes.
We tried Julian on the foundation science paper (Did you know that there were different levels of exam at GCSE? Neither did we. Some of the core papers are split into Foundation, Intermediate and Higher tiers. I am reliably told that you cannot get higher than a grade C at Foundation level and so on) and he scored over 50%. Typical question: What is the liquid rock called that comes out of a Volcano? Choose your answer from: core, lava, metamorphic, sedimentary.
The RE "A" level was good stuff. "Scripture is the word of God", discuss. How much time do we have?
We enjoyed a free Elton Jon concert last Saturday night as he was playing at the Kent County Cricket ground just over the road from us. We all lay in bed and sang along. Sammy has recently discovered the joy of vinyl records and we inherited a gramophone (as Julie still calls it) with one of our houses here. Julian and Sammy now often go to bed singing along to the Seekers or Police from records they found in the local charity shops.
Some time since I last posted! We have been so busy with getting the apartments up and running.
I has been hard work but then we have had a nearly 100% rate of occupancy for the last 8 weeks. The end of June and begining of July look a little less busy but then our bookings pick up again.
I have rediscovered the joys of ironing - something which I really enjoy but rarely used to do. Now when 4 people move out of an apartment, you need to wash and iron all the bed clothes to prepare for the next lot. We do have 2 sets for each bed but we seem to be turning them around pretty quickly at the moment. Last week we had 10 people move out - that's 20 sheets and 20 pillow cases. I think ironing may be outsourced shortly!
It seems that the one bed apartments is the mosts popular. It has been 100% occupied since it first came on stream which was 7 hours after we completed on the purchase on the 26th of April. We may need to find another 1 bed apartment to keep up with the demand. I have had to turn customers away.
We are invigilating too. We are now doing the actual GCSEs which are quite fun. There seems to be a little more commitment by the students this time around although we still have those who finish an exam of 1 and half hours in less than 20 minutes.
We tried Julian on the foundation science paper (Did you know that there were different levels of exam at GCSE? Neither did we. Some of the core papers are split into Foundation, Intermediate and Higher tiers. I am reliably told that you cannot get higher than a grade C at Foundation level and so on) and he scored over 50%. Typical question: What is the liquid rock called that comes out of a Volcano? Choose your answer from: core, lava, metamorphic, sedimentary.
The RE "A" level was good stuff. "Scripture is the word of God", discuss. How much time do we have?
We enjoyed a free Elton Jon concert last Saturday night as he was playing at the Kent County Cricket ground just over the road from us. We all lay in bed and sang along. Sammy has recently discovered the joy of vinyl records and we inherited a gramophone (as Julie still calls it) with one of our houses here. Julian and Sammy now often go to bed singing along to the Seekers or Police from records they found in the local charity shops.
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