Think you are right but you may need to take some action to meet the shortfall in your endowment mortgage. The £25k you are short in that will need to be made up somehow. You mayhave to consider either a new repayment mortgage or adding that to your existing repayment mortgage, unless you have some other way of meeting the shortfall. The £25k won’t just continue as a mortgage automatically, if your endowment mortgage has matured, you’ll need to do something to cover any shortfall.
(should add I’m not an Ifa though)

Arkle loop still have nightmares from the 1 time I did it yearsback. Fair bit of hike a bike from memory with not much st as a reward. Great scenery tho

Barry knows best for not so techy but fast and flowy stuff. Could’ve gone and ridden that one again was so good. Spoilt for choice.

Yes both. My crank arm fell off just before started the tail. Bad karma didn’t need that messing with my head! Rode what I could but neither bottle nor skill for some of the real tight switchbacks. Tourette’s similar just a bit gnarlier in bits.

Scorchio. We had 6 glorious days high 20s I’d guess. Real hard but great fun.

HB insurance – perfect – £22 for the week and mountain biking covered as standard. cheers

I ran mine with 120-150 rev u-turn. Plenty of highland Munro descents and no fear about the head tube seemed pretty overbuilt in that area IMO.
Dropping to 120 for climbing was a must tho handled bad in climbs at 150.

Strath route not easiest to find by yourself, ask at square wheels bike shop in the town.

I’ve used the old NNs and were very thin sidewalls. New TLR versions do seem a lot tougher and handle highand rock ok. Spain….only time will tell.

I’ve ripped Nobby Nics wide open in Sierra Nevada, couldn’t cope with sharp rocks.

Good choice from my sept trip there then :D

Schwalbe hans Dampf front and nobby nic rear. My 1st foray into world of tubeless and have survived some gnarly mountain descents and trail centre action no bother. Good compromise between weight, rolling resistance, grip and toughness IMO

Not around then but go to Bonar bridge do balblair trails too. A trip over to west coast to torridon well worth the drive. Will find info on routes if you search on here.

FWIW Oakley transitions have been great for bik,ing. Also have a pair of normal frames with prescription transition lenses and find real issues when wearing inside. The glare from inside of lense off overhead lights is headache inducing. Not sure if it’s down to the transition or something else but not too impressed. Fine for outside tho.

Bump

What crashgav says me n the boys there for my stag do couple of weeks back. Excellent hospitality. Dalbeattie was typical small town night out tho. Fine but don’t expect too much.

I found Naples to be rather run-down sorry kind of place. Not surecid choose to stay there. Pompeii well worth it tho.

Do it do it do it

Extreme eyewear just got prescription oakleys from them online recently. Service was good, so was price and there was a discount code online saved me another 5%

No that’s all I could find in google too. Must be something to do with hotels or communications.

Never put anything on mine 15 months on no issues

Gravity dropper. I use Velcro ties for cable running along top tube. 5min job if that to swap over between bikes. More flexible as 27.2 size means can shim to almost anything in future.

Hotel hesperia carlit was very good last month. Other half booked so no idea what prices were think she got a deal through Expedia. Only 10/15min walk to centre. We got every other person saying before we went – watch out for pickpockets. Never had an issue or saw anyone dodge entire time were there. Enjoy.

Yep

Just visited today for first time. Trails are nice but 15 mins you’ll have ridden every line twice. More a place to take kids TBH. Some nice natural ST in the woods across the road but an hour was enough for me. If you’re passing by worth s visit but isn’t going to fill your day or half-day.

Liking my carver 96er

Alfine setup now, preferred this over 29er alfine was running for a while. 29er alfine just felt too heavy and sluggish.

Why? Who knows just feels right. Still got 2 other ‘normal’ bikes tho

Titec flat tracker

V-braked retro carnage

No, I’d agree was rather pants

Burt/Rorscach link to that pls?

Alfine will work in horiz or vert dropouts, you just need the right no-turn washers. Different colours for different setups.

And there was me expecting scantily clad types

Hmmm bus sounding like the easy option then. Cheers

Adidas evil eye pro? Large is a decent size.

When I was there many years ago there was a women’s beach volleyball competition in central park. Good times.

And there was me thinking when I endoed my way down a hill I was doing it all wrong

Stoner the thermal image survey who did that and what sort of cost? Would consider for ours to see where our 1870s house leaks heat from (all over I expect).

18deg but only cos heating on all day. Do wish the stove hadn’t died :o(

I’ve never had issues with new chain on old chainrings. Do end up replacing jockey wheels more regularly tho.

Chinook one from amazon £20. Got my nephew for xmas and played with for hours. Supposedly twin rotors make more stable.

I had one no probs with breakage etc. Did find the 27.2 a ridiculous tight fit tho, not sure if just mine or a prob others have had?

Phone them. Seemed to be only way to get my order which was “processing” movd on. Was dispatched day after I phoned them. No real explanation why it got stuck tho.