Money
Award-winning pub’s 32ft teepee is making our lives a nightmare – it’s like living at a festival… parking is mayhem
RESIDENTS living near to an award-winning pub say a 32ft tepee is making their lives a “nightmare” as it’s like living near a festival.
The Eagle and Child, in Ramsbottom, Bury, Greater Manchester, erected the structure in its beer garden during the pandemic.
The teepee seats up to 72 people and has been described by the pub’s owners, Daniel Thwaites, as an “essential part of the business”.
It is used to host events including weddings, christenings and birthday parties.
However, the pub, which was crowned UK ‘Pub of the Year’ in 2017, has now been ordered to remove the teepee and an outdoor bar following complaints from neighbours.
Aimee Burgess, who lives opposite the pub in Whalley Road, claims the “constant noise” made by people attending events at the teepee was “like having a festival outside the house”.
On one occasion, she claimed she was awoken by revellers performing karaoke outside the pub at 1am.
“It’s ridiculous,” she said. “It’s like having a festival outside the house with the amount of music, people wooing and cheering, and bottles smashing. It’s constant.”
When the teepee was first built, Ms Burgess said it was “absolutely fine”.
But, as more events began to be held at the pub, the problems began.
“It’s only been bad since they started holding weddings and parties in the outside tent,” she said.
“At first, there was an event every weekend. Now there’s an event during the week and every Friday, Saturday and Sunday night.”
A shortage of parking spaces at the pub means that customers often end up parking their cars on surrounding roads, Ms Burgess claimed.
“It’s mayhem in terms of parking,” she explained. “On a weekend, we have to be back by half six if we want to park anywhere close to our house.
“There have been times when we have had to park a five or ten minute walk down the road.”
Ms Burgess said she had contacted the council to explore the possibility of a residential parking scheme being introduced.
“The pub are trying to make everyone happy and I do feel for them, but they needed to be doing more before it got to this point,” she said.
“The teepee itself is fine, it’s just not a pub that was made for events. It was great as a gastropub.
“The beer garden is lovely and has stunning views but it’s not the place for an outdoor venue for weddings, birthdays and bar mitzvahs.”
PLANNING APPLICATION REJECTED
Earlier this month, Bury Council rejected a retrospective planning application for permanent retention of a circular tented ‘teepee’, outside bar, pergola and toilet block.
It came after neighbours raised objections about issues including noise and waste being thrown into rear gardens from the beer garden.
Planners at Bury Council said the application was refused mainly on noise and traffic issues, plus design and appearance.
A planning report found that the plans “would have a serious and detrimental impact on visual and residential amenity”.
It also expressed concerns about on site parking as the pub only has 11 spaces.
Every Friday, Saturday and Sunday, we are having other people’s parties inflicted on us
Local resident
One man who lives in nearby Cheshire Court said he was among those who objected to the planning application.
“I’ve lived in this house for the best part of 28 years and it’s only in the last three I’ve had to complain,” said the man, who asked not to be named.
“It’s a quiet residential area. Since they have introduced that, it’s caused a lot of issues for the residents.
“Every Friday, Saturday and Sunday, we are having other people’s parties inflicted on us.
“The music starts at about one in the afternoon and the noise goes up as more and more people arrive.
“You get singalongs and people banging on the table. There are times when I can feel the baselines in my windows.
“They are having a good time but putting a tent slap bang in the middle of a residential area has been a nightmare for the last three years.
“It would be nice if the venue could contain that within walls rather than a teepee.”
‘DOUBLE PARKING’
As well as “severe noise” late at night, he said another issue was customers “double parking” on Cheshire Court.
On occasions, he says car have been parked on the street for several days after an event.
“The surrounding area is being used as an overspill car park for the pub,” he said. “If they have got a lot of customers then there is not a space anywhere along this street.
“Sometimes there are cars parked all the way down to the motorway bridge.”
He said items have also been thrown over neighbours’ fences, including stones, glass bottles and vape refills.
“We can’t do anything without experiencing the activities going at the pub,” he explained. “I don’t know what the solution is short of it being put back to what it was.
“Businesses are having a hard time but you shouldn’t be able to run a business if it’s massively detrimental to local residents.
“If they had done this and they were somewhere in the middle of a field and weren’t disturbing anybody then good luck.
“To introduce it to this area has caused such a nuisance for the last three years.
“This argument that the pub was there first so they get carte blanche is nonsense.”
When there’s an event, parking is chaos round here
Jon Walker
Jon Walker moved into his home in Peel Brow in October 2021.
He accused the pub of being “disengaged” with residents, as he said: “It doesn’t feel like a local pub. It feels like an events space.
“A lot of the clientele are not from the area. They drive to the pub and park on the street.
“When there’s an event, parking is chaos round here.
“It p***** people off.
“It would be nice if the pub was more engaged with the local community and came and chatted to us.
“It’s odd that you would get an outdoor events space in the middle of a residential area.”
Ramsbottom councillor Gareth Staples-Jones has since called for compromise after being “very disappointed” by the decision.
He said: “As ward councillors, we were not made aware of this decision.
“If residents have concerns or issues relating to the teepee, it would have been helpful to have known prior or at the time of the issue arising so ward councillors or council officers could approach the brewery and pub to find a middle ground and a way to resolve.
“Waiting until a retrospective planning application to hammer in nails feels wrong.
“I will be working with our enforcement team to ensure we’re doing our best to promote places like Eagle & Child whilst also listening to residents’ concerns.
“Rammy is an attractive destination to live, eat, relax and be part of a wonderful community – we need to grow that by working with businesses and the community.”
Earlier this week a spokesman for Daniel Thwaites said that following the decision “we are currently reviewing our options and are aiming to meet with Bury’s planning team to find a solution that works for all parties”.
“Rammy is an attractive destination to live, eat, relax and be part of a wonderful community – we need to grow that by working with businesses and the community.”
Previously, a spokesperson for Daniel Thwaites said: “The teepee was installed post-Covid as part of The Eagle and Child’s recovery plan and has since been very well received by customers and local community groups.
“Following a recent planning decision, we are currently reviewing our options and are aiming to meet with Bury’s planning team to find a solution that works for all parties.”
The Sun Online has approached the pub and Daniel Thwaites for further comment.
Money
URW forecasts drop in vacancy levels after bankruptcies hit 191 units
URW said 63% of its affected units have either been re-let or are still occupied by the existing tenants with the remainder affecting vacancy levels.
The post URW forecasts drop in vacancy levels after bankruptcies hit 191 units appeared first on Property Week.
Money
FCA: Risk profiling the ‘foundation of good advice’
Accurate risk profiling is the “foundation of good advice”, the Financial Conduct Authority’s head of investment platforms Kate Tuckley has insisted.
She said moving from accumulation to decumulation is likely to change a customer’s attitude to risk, so this should be reassessed.
“Advisers should not assume that a risk profile remains the same, either when moving into decumulation or from previous advice meetings,” she added.
She made the comments during a keynote speech at Money Marketing Interactive in Leeds yesterday (24 October).
“A key risk is capacity for loss – the ability to absorb losses in retirement, which is critical given the lower future earning potential.
“Many customers may have been able to recover losses during their working years, but this changes in retirement.”
She cited the FCA’s thematic review of retirement income advice, which found that some advisers’ files did not show that capacity for loss had been assessed, or where it had been assessed.
“Clear consideration of this is crucial to demonstrate the suitability of advice,” she said.
“Cash flow modelling (CFM) tools can be used for capacity for loss assessments. However, firms need to assess both attitude to risk and capacity for loss consistently.
“Tools such as standard questionnaires can be useful, but you should be aware of their limitations, especially when the language or questions are not tailored to decumulation, which can lead to incorrect profiling.
“Whatever approach is used, firms must demonstrate that their methods are suitable for retirement income advice.”
Pension freedoms came into effect in 2015, giving consumers more choice and less prescription in how they meet their retirement income needs.
“They can take as much or as little as they like, or even fully cash out if they choose,” said Tuckley.
“As you know, there’s no longer a requirement to buy an annuity, and drawdown is no longer just for the wealthy.
“However,” she warned, “more choice brings more complexity, not just for consumers but also for advisers.
“Most consumers have moved away from guaranteed income for life and keep their pension savings invested, which presents a big challenge for advisers.”
She said advisers need to help consumers manage ongoing risks and make complex decisions about meeting their income needs sustainably.
The FCA is following up on the thematic review and is “completing further work” on retirement income advice, which Tuckley said will continue to be a “priority” in its strategy.
“We want to explore this in more depth to understand how firms are responding to our report,” she said.
The regulator aims to publish further findings in the first quarter of 2025.
Money
Exact date to turn on your heating named by thousands of households but waiting just seven days could save you £84
THOUSANDS of households have named the date they are planning on turning their heating ahead of winter.
But, wait just a few days after this date and you could save yourself almost £100.
A study of 2,000 homeowners with central heating found that three quarters plan on waiting until October 31 to turn their radiators on.
But, you could actually save yourself £84 if you waited just a week longer and turned it on on November 7.
That’s based on a household using a 24kW gas boiler for eight hours a day for seven days straight.
Of course, you could save more or less than this based on your usage, but it shows how delaying by just a week could be well worth it.
The study, carried out by utilita Energy also found that despite not having done so yet, 52% are looking forward to warming up their homes next week.
To help them refrain from switching on their boiler, 60% have been layering up, while 24% have resorted to electric blankets.
But even throughout the coldest months, 57% claim they will only put the heating on ‘for an hour or two’ to minimise costs.
What’s more, 45% plan on using an electric heater as well as their main central heating this winter, with 34% assuming it’s a cheaper option.
And 15% plan to completely replace the gas central heating with a portable electric heater – despite it costing three to four times more per hour, Utilita energy efficiency experts revealed.
A spokesperson for the energy supplier, which commissioned the research, said: “The first time you turn on the heating in winter marks the true arrival of the colder months – filling your home with warmth and comfort.
“We hope this important heating behaviour study will help people to realise the false economy of using a portable electric heater to subsidise or replace gas central heating, and afford budgeting households as much as 75% more heat hours this winter.”
The study also found half of households claim to be confident in working out the cost of an electric heater versus gas central heating.
According to the OnePoll.com data, 59% financially prepare for the rise in energy spend when it reaches the colder months, and the heating needs to come on.
Although 76% admit they will reach for the thermostat at the first sign of feeling uncomfortable or cold and 27% give into requests from other household members.
More than half (54%) will be prompted by a drop in the outside temperature, with it reaching an average of nine degrees Celsius before considering igniting up the boiler.
The living room is typically the room that gets heated up (33%), but 26% choose to turn the heating on throughout the entire house.
The Utilita Energy spokesperson added: “When comparing electric heaters to central heating, it’s important to consider both cost and comfort.
“While electric heaters can offer quick, localised warmth and are ideal for heating individual rooms, central heating provides consistent, zonal heating that’s far better for those on a budget.”
How to save money on your heating
There are countless ways you can save money on your heating bill this winter.
Blocking draughts in your home can easily save you £40 a year, according to the Energy Saving Trust.
Draught excluders typically cost around £20 to £40, but you can also use your own items laying about the house.
You can use radiator foil, which you put behind the appliances to reflect heat back into the room too.
You can get a roll of the handy stuff in Screwfix for just £7.51.
Heat activated fans can be placed on wood burners and even certain types of gas fire to throw heat into the main part of the room too.
You can pick these up from the likes of B&Q for as little as £15.
What energy bill help is available?
There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.
If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.
This involves paying off what you owe in instalments over a set period.
If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.
Several energy firms have grant schemes available to customers struggling to cover their bills.
But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.
For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.
British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.
You don’t need to be a British Gas customer to apply for the second fund.
EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.
Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).
The service helps support vulnerable households, such as those who are elderly or ill, and some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.
Get in touch with your energy firm to see if you can apply.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
CryptoCurrency
Time to Hit Buy on These 2 Software Stocks, Says Daniel Ives
It’s no secret that tech stocks have been powering the market gains over the past few years, and software stocks were among the biggest drivers of this growth.
Multiple factors are propelling the software industry forward, such as the rapid advancement of AI technology, high demand for IT solutions, and the ongoing expansion of the global digital economy.
Wedbush tech expert Daniel Ives has been watching the tech industry, and his take on it points to continued strength supported by AI and cloud expansion.
“Solid enterprise spending, digital advertising rebound, and the AI Revolution will drive tech stocks higher into year-end in our view,” Ives opined. “We believe 70% of global workloads will be on the cloud by the end of 2025, up from less than 50% today.”
Keeping that in mind, Ives goes on to add that the time has come to hit buy on two software stocks. They may not be household names, but according to the TipRanks data, both stocks are Buy-rated – and Ives sees significantly more upside to each than the consensus on the Street. Let’s take a closer look.
Couchbase (BASE)
We’ll start with Couchbase, a modern database platform provider that offers users and developers everything they need to support a wide range of applications – from cloud, to edge, to AI. Couchbase bills itself as a one-stop-shop for data developers and architects, making its services available through its powerful database-as-a-service platform, Capella. Organizations using the service can quickly create applications and services that deliver premium customer experiences, giving top-end performance at affordable prices.
The Capella platform brings the popular as-a-service subscription model to the database industry. The company can support database services for a wide range of AI applications, including the latest gen-AI tech, as well as database search, mobile access, and analytic functions. Customers can also choose self-managed services through Couchbase’s servers, with on-premises management for both multicloud and community apps.
Couchbase’s database service has found success in a wide range of fields, including the gaming, healthcare, entertainment, retail, travel, and utility sectors. The company’s customer base includes such major names as Verizon, UPS, Walmart, Cisco, Comcast, GE, and PayPal.
Turning to the financial results, we see that Couchbase reported its fiscal 2Q25 figures at the start of last month. The top line of $51.6 million was up almost 20% year-over-year and came in just over the forecast, beating expectations by nearly a half-million dollars. At the bottom line, the company ran a net loss of 6 cents per share in non-GAAP measures, but that was 3 cents per share better than had been anticipated.
CryptoCurrency
Ripple files Form C, appeals SEC ruling on XRP institutional sales
Ripple challenges SEC’s ruling on institutional XRP sales, claiming the Howey test was misapplied.
CryptoCurrency
Bitcoin analyst: $100K BTC price by February 'completely within reason'
BTC price trajectory appears all but destined for six figures in the mid term — despite nearly eight months of Bitcoin market consolidation.
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