You need to insulate your ground floor (between the floor joist) and insulate your external walls to make your house more thermally efficient. Maybe add a chimney damper, too, if you are not using the gas fire. Call your council building control for more advice.
wait till you are 60-70+... Probably you will hate going up and down the stairs and you will feel cleaning is a pain! Than you find living in a flat is so much better.
Hi, Coco & Yannes, Glad your family has already settled down in UK. I prefer living in a house over an apartment because it is more spacious and I don't have to pay condo fees. BTW, I like Yannes a lot because she looks so elegant and pretty. Best wishes for a bright future and a happy life for your family in the UK.
I used to lived in a 3 level condo. Our garage is in ground lvl . and the 2ed floor is the main living and entry way. and half lvl is a guest room and the kitchen and dining. and the 3ed lvl is 3 bedroom. We have elderly living with us so we decided to move and buy a single level house. The best decision ever made because we don't need to walk up and down the stairs. I think I'll grow old in my house. :) Best thing is the robot vac can clean the whole house in one lvl. Get a mini and Giant Schnauzer and they are our best guard dog for security .
Hi CocoGor, I tried to open an IB account using your link but it kept telling me that the investment proved does not meet the requirements to trade stock. I only started learning how to trade US stocks/ETFs 2 years ago with about 25 trades a year with limited knowledge. Is that why I can’t continue with the application? Please advise. Thanks!
Interactive Broker證券戶口 - bit.ly/cocoib
😊😊…
我以前喺香港反而就係住兩層樓，成日要上上落落，所以我知道問題所在之後，我過到嚟英國就買咗bungalow，一層過的House，而且係獨立屋四邊非常空間隔開，唔會貼住人哋，即使開音響和睇電影，隔離都唔會聽到，又可以打籃球在室內，唔會怕嘈住下邊，簡直係夢想中嘅居所，英國真係太好喇。
Coco哥 娶咗個咁靚同賢良淑德嘅老婆已經係人生贏家😊
Totally agree 🎉❤
Yannes 好犀利，去到英國冇工人，要湊囡又要做家頭細務，但係依然keep得咁靚，coco哥好幸福
最煩 係鄰居問題，不懂自律。
Coco 哥比 Yannas 講完你先至講啦！😂
唔想執屋，記得係攞完野之後放番原位。呢個習慣要教好 Margaret. 終生受用。
呢個真
片主心態真好，講既時候仲咁開心，好似好享受咁！ 真令人佩服佩服!
多謝Coco 哥和 Yannas 分享, 住Apartment or house 的好與壞處。片段中見到Margaret, 學香港小姐行很搞笑。😄😄
Coco哥，多謝你分享這條視頻。一開場就見到Coco嫂搶晒鏡，大方自然，好靚呀😍Coco哥好有福氣👍
好鄰居真係睇彩數，全世界也一樣，我搬過四次屋，村屋 apartment也住過，咁多次只有一次d鄰居係好d，嚴格黎講係佢完全唔接觸我😂，其他一律係麻煩人，所以真係好睇彩數。
遇到呢啲犀仁鄰居，只好祝福佢長命五百歲！
Yanes 講得好好，Coco哥唔好成日爭住講嘢!
賢妻良母
佢又話比Yanes講，但係自己成日搶著講，🈚️禮貌。
Yannes is so sweet and always supports and stands by Coco gor💖💖Thanks for the information and wish you all the best🙏🙏
Actually I also reduce my standard and not too frequently cleaning. Because I feel tired. 👍
You need to insulate your ground floor (between the floor joist) and insulate your external walls to make your house more thermally efficient. Maybe add a chimney damper, too, if you are not using the gas fire. Call your council building control for more advice.
Coco 哥，真的非常感激你分享you are no. One💖💖🎉🎉👍👍
wait till you are 60-70+... Probably you will hate going up and down the stairs and you will feel cleaning is a pain!
Than you find living in a flat is so much better.
@tk-rc1jwn the UK, it’s called a bungalow.
Lots of elderly people install stairlifts to move around different floors.
Need no worry, by the time he reach that age, he already change houses 3or 4 times.😂😂😂😂😂😂
幾好呀、去咗英國冇咁囂張正常咗、老婆又冇咁港女🎉、第一次見到人叫自己‘哥’. 希望謙虛多D 😊
Coco的哥哥之意思？他不是叫自己做主人… 🤔
Coco 係佢隻狗仔
聽到你們的開懷分享，我也爲你們開心！
支持coco哥一家🎉
多謝coco哥分享，住屋都有好多野做，有個好鄰居梗係好好多，其實防盜方面可以自己裝security cameras屋內外都有，唔洗煩。
成日拎住D重嘢走上走落，好容易對膝頭做成損害，未到4,50歲就好似老人家，膝頭関節都會出現腫痛問題，所以唔好掉以輕心走上走落依個問題，以防未老先衰，多多保重！
好累
為何還要幫Margaret 執玩具？自細要訓練佢自己執拾否則不再買新玩具！
我媽會整個月歷，記低我有冇做家務，有做家務先可以買玩具
剛來係住 Apartment 半年係容易適應D ， 現在準備去體驗一下屋仔，同樣價錢，多間房。 Apartment new build 懶係高級比較貴。
其實英國好多好好手工好好整入牆櫃都有，亦有人可以送到你家然後幫你攞上樓上然整埋所有櫃床都有。價錢方面比起自己砌自己搬上樓上是昂貴好多。喺英國有錢就有好品質同靚手工。事實上有錢有好多地方可以消費。
有些人不知道外國生活是比較地方大, 舒適很多 , 誤會你們係道曬命 , 有二樓當然每天要走上走落很多次 樓下廚房, 家庭廳 , 飯廳 , 樓上睡房, 香港真的很有米才有, 英國一段時間便個個有機會住大屋, 我們住美國LA 也是一樣 , 25 年前我蓋2,500 尺實用面積四房三厠兩廳 , 地7,400 尺, 所以外國一定機會好些 , 打工仔是可以 , 如果做生意的3-5 百萬美元華屋是很多 , 移民真是一個好機會.
Hi, Coco & Yannes, Glad your family has already settled down in UK. I prefer living in a house over an apartment because it is more spacious and I don't have to pay condo fees. BTW, I like Yannes a lot because she looks so elegant and pretty. Best wishes for a bright future and a happy life for your family in the UK.
我呢頭Brum租住緊幾座3層高apartment, 懷疑前身係retirement living用, 好多鄰居都係中產退休姨姨伯伯, 好友善和睦, 又好幫手(一齊修車打理、互相幫忙推垃圾筒出路邊、 同佢地D孫仔小朋友踢波, 甚至有鄰居幫我睇下點執CV見工...)。 黎緊買屋搬出去, 我地都有D唔捨得。
泊車文化！一般如果有party 有文化礼貌鄰居都会預早通知.大家識做.如有被阻礙,同鄰居飲杯茶谈談問題,解決方案
請問Coco哥住邊個province,
如Manchester, London,Shifield,
Cambridge ？你果道好似冇
甘凍
我买二手家具。 又便宜又好。 花了 200 加元买了一套孟买椅、柜子和带抽屉的半圆桌。无需组装
應該同業主反映，又唔使自己出面，最好連同其他租客投訴，業主就一定做嘢，通常先警告，無效先做嘢。租客影響公共衛生或危害其他住客居住安寧（例如：寵物糞便嚇人／垃圾／臭味／嘈吵／騷擾／侮辱其他住客或工作管理人員／吸煙。。。。。。）絕對係違反租約，亦係主要被趕理由，
Coco哥，好中意片中的Anna公仔，係你地的BB shop平臺買？唔該😊
香港買乜都好方便, 英國買IKEA 睇住個圖都搞唔掂, 之後買D已安裝好的地櫃, 但就貴好多好多, 搬入客廳10+步 就加搬運費, 搬運費差不多等同IKEA地櫃價錢 ! 所以樓上傢私可以唔買就唔買 !
Coco 哥曬最辛苦嘅日子應該已過了👍🏼
I used to lived in a 3 level condo. Our garage is in ground lvl . and the 2ed floor is the main living and entry way. and half lvl is a guest room and the kitchen and dining. and the 3ed lvl is 3 bedroom. We have elderly living with us so we decided to move and buy a single level house. The best decision ever made because we don't need to walk up and down the stairs. I think I'll grow old in my house. :) Best thing is the robot vac can clean the whole house in one lvl. Get a mini and Giant Schnauzer and they are our best guard dog for security .
謝謝你們的資訊
Coco 哥，全程沒有一次能讓Yannas 完成一句說話，每次都係人家未講完你就插嘴，比淘𠎀還搶咪😂
成日搶住來講！冇禮貌
係呀好撚煩呀，正想聽條女講嘢，佢又搶着講
已經feel佢係一個點樣嘅老公同父親，應該幾霸度，有佢講冇人講，難頂
住house吾代表隔離新搬來係好家庭
Coco 哥你真的好運有個可愛女兒和一個賢內助。 又有一個安樂窩
any infomation on how to rent an apartment before moving to UK? Apart from the rent, are there any hidden costs e.g. council tax etc. Thanks.
CoCo 出花園, 有冇FLEA? 用邊隻SPOT ON? 好似香港嘅SPOT ON 唔太有用...
Coco哥 娶咗個咁靚同賢良淑德嘅老婆已經係人生贏家😊
我之前未買屋住Apartment,Exac7ly 樓上住戶係黑人，個個weekend啲friend 嚟開party! 都係一睇就知唔方係好人! 報警報過幾次都冇用😢 Thank god宜家買咗house 鄰居都好好🙏🏼 正所謂「遠親不如近鄰」❤
Coco哥慣咗一個人吹水，講講下會講咗其他嘢，打亂晒Yanes😂見到Yanes用電話記低晒D point, 好努力咁拉番入正題😂
幾時可以看到你閒全新的屋
係呀，我地住apartment 時都試過，個升降機臭左成個星期，跟住有其他住戶貼大字報聲討佢囉！
咁聲討有冇用先？🤔
@@jascal1623 有用呀，管理公司有跟進囉！
如果樓上廁所／房個窗口對出地下是空地 ，可以利用窗口一袋垂直用綫或工具（sir）運落去，安全節力，換床單個d咁多野咁重，真係唔好成日抬落樓
Hi CocoGor,
I tried to open an IB account using your link but it kept telling me that the investment proved does not meet the requirements to trade stock. I only started learning how to trade US stocks/ETFs 2 years ago with about 25 trades a year with limited knowledge. Is that why I can’t continue with the application? Please advise. Thanks!
買detached house + 獨立 driveway + 車房咪無呢啲煩惱lor
窗整shutters 代替窗花，好多本地人裝
浩男哥開爬地😂😂😂
你地身體卻很誠實喎，無選擇回流， 如果係咁嘅話，就要親力親為好多嘢，可能要買齊一啲整裝修嘅架撐，例如基本要有電批鎚仔士巴拿， 同埋就算你個間獨立屋嘅牆身做好保溫，但你D門同埋窗口根本冇保溫能力嘅話，冬天都係一樣係會勁凍， 個原理就好似你打開個雪櫃門係咁嘥電費一樣
多謝CoCo哥 & yannes兩位分享,遇到惡霸鄰居。
我之前住apartment 又係d人summer 開party 到零晨四五點，佢地有個露台，又食煙供晒上里，呢邊隔音好差
Co co嫂，係流量密碼，如果佢選港姐，肯定贏好多佳麗。😁
THANKS COCO哥, YANNES 嫂分享
coco哥 想問下係咪join你patreon會有討論美股 本身想玩科企版塊但唔熟
Coco哥太太好似湯怡，連講嘢聲音都好似！啱啱撳咗你個樣，訂閱咗喇！😊
IB 個ISA有月費，每個月冇佣金支出就收£3。同埋佢話free cash 放入去到就有3.x%息，但我£20000三個月得£15息，問佢點解，佢就話頭£8000係冇息，之後唔到某一個額又好低息。嬲嬲地就delete 左個戶口。所以若果你唔係成日trade ,IB 未必啱用。
ISA account £3係政府規定。做定期收息 應該開cash isa
有動物係風水好....記得清潔便便
好喜歡今集都市閒....難得有一集係呢個模式
想問如果你唔講反清復明29:15 講清明重陽，佢會唔會識得 . 明示冇事暗地裡幫你CALL 警?
Very good job 🎉❤
From Montreal ❤🎉
Coco哥全世界都有呢啲問題啦、食得鹹魚抵得渴、你們還沒有遇過最刺激的事情這些事都是小問題、最重要身體健康。
Yannes好靚女 !
把聲仲聽得好舒服
住得開心就可以，始終是土生土長地方，每處地方都有好與好，慢慢習慣，得閒就回香港。
買屋一定要detached 加有自己driveway, 好耐以前試過住apartment，地下果户常常在草地開P ，玩到深夜，好采只住左半年就閃😅。
Thanks for sharing. Bungalow is a choice between House and apartment.
謝謝分享英國實際生活的情況
感謝分享~👍
最好租埋上下2層再分租，咁就可以揀租客啦😅
再好似日本設計咁，2樓開嗰隆仔落洗衣房，掉啲衫落去，就唔駛拎。😂😂
係呀鄰居好重要，但亦有隱形鄰居以我個人case..住屋內的techo即屋頂往往連接鄰居的住所，每天就像你在樓下，有人在樓上，搬檯移椅聲，波子滾球聲，每天
聽到他在樓上小孩跑路聲更有在家穿高干鞋的行路聲及小孩哭聲和滴水聲極度討厭但亦不能出聲，因不知從那處來呀，故看樓都必要注意呀🙄🙄🙄重有間中音響極大聲，有時亦當聽唔到只可接受🤣
💯支持CoCo哥一家👏👏👏👍👍👍🥳🥳🥳
樓下個鄰居好恐怖，好彩只係租可以搬走👍🏻
Yannes鵪鶉果靚樣😅，可能對方覺得含情密密😊
[都市計畫]~日本都有周街有醉酒佬隨地小便~英國有都係正常~謝謝分享英國資訊~
coco哥可唔可以介紹下投資方面的稅務知識，見到英國20-45%稅 腳都震埋。Thx
训醒之后几乎吾上二楼，可以将好多野放一楼，外套，鞋袜 出门所需要的所有物品
香港都有好多麻煩街坊，例如堆滿雜物的垃圾屋或漏水又推缷責任的業主。
曱甴屋
仲以為喺 coco 哥 自己整 個人獨有的secutity system。原來有 保安員, 非常 好呀, 多謝詳細解釋呀。每月費用幾多呢？
Keep up positive coco and family
美國只有治安唔好嘅區，先至會有人裝鐵窗，因此，如果在中產階層嘅白人區，或豪宅區裝窗花嘅話，分分鐘會收到律師信，要求立即將窗花拆走，因為會影響房價同埋市容，將整個社區降級，由豪宅區變成貧民區！
謝謝分享
有人嘅地方就會有爭拗，睇開啲，坦然接受會活得開心啲（不過半夜噪音真係好L煩!
支持coco
你喱輯好好笑😂好精彩
一早訂閱咗啦！
thanks. Coco gor
多d夫妻檔片就好啦，2個好幸福👍
講到他人的壞事壞行為仲哈哈大笑，O.M.G.!
睇完發現住house個家務真係多左好多好多😂😂😂
不難加。 同時住喺花園洋房同一套公寓里。 問題解決了. 好嗎？ 外國人都中意咁 加.
加油🎉
住apartment，千祈唔好住兩層屋仔分租俾兩戶人住嗰種
上下層係木頭結構，非常唔隔音，鄰居嘈係完全硬食
第一年移英，住左下層
上層11:00PM前好靜，11:00PM後先開party (一班後生仔住)
攪到我完全瞓唔到，提早搬走，轉住terraced house，兩層都係自己住，解決左問題
最搞笑的是，兩者租金差唔多 (非倫敦)
Coco哥 真係我都唔爭你 你又叫你太太講卒之自己又霸住講，你真係前幾多世修返嚟嘅福娶咗個賢良淑德嘅老婆
👋Thanks for sharing.😃
請問IB UK ISA戶口同正常IB UK係咪兩個唔同戶口？仲有你條link喺邊度呢？
CoCo哥：我覺得你同你太太多咗話題咁，另外港太在香港大多有工人打理家務，在香港以外大多係要自己動手。各有不同及好處。
整噃個AUTO LOCK門鎖,防你哋嚟D人😁
如果，可以將你太太的每句說話的尾音，聲線教低一些，就最好，因為覺得很刺耳，感到唔舒服，要關掉，不能聽下去
絕對沒有惡意批評，只是提議而己
(如果嘗試用耳機，只聽的話。就明白是怎樣一回事
看完這片，有意見提你要把Margaret的幼兒畢業放在高的架上．～時鐘下，再次你在屋企要用掛身電話繩，這個發明是十分重要‼️
要早點做功課，才做決定。