It’s a victory for common sense and democracy. 8)

FFS @ penguinni, that’s gruesome.

Tissues.

Sierra Cycling undercover owner posting.
Dave Hinde undercover owner posting.
Badger pump.
The over-engineered garage thread update.
Most of classified complaint threads.
Hissy fit flounce threads.

I’ve got a golf GTD company car, had it just under a year and it’s a brilliant car, nice and pokey, high spec interior. The adaptive cruise control and self parking are good features.

I stay in eco most of the time, although I’ve been in sport for the last few weeks because it sounds good and accelerates hard! I only do low mileage, all private milage, so I pay for fuel, I don’t know why they give me a car TBH :-))

I’m surprised that anyone invests in a cash ISA given the trivial returns. Investing in a fund either directly or via a platform is so accessible and given that they can be traded quickly means if you manage it carefully the risks are very small.

Probably because of the usual message always trotted out about losing lots or all of your investment:-

“can tie it up for a year or so if necessary” and “investment” don’t really go hand in hand unless you are willing to risk losing lots/all of the capital.

It’s like people don’t realise there are lots of of different options available depending on your time span and risk tolerance. True all investing carries some risk, but with rates where they are now you need to look a bit long term.

The ‘go for a tracker or don’t bother investing brigade’ don’t help matters, some people might want a lower risk multi asset or Abs Return fund to give less sleepless nights!

Fundsmith started in November 2010, terry smith was in the industry for along time before that though.

Edit: As above. (Posted at same time)

As you know there are 2 answers

One risk it. That’s shares etc. You might get more you might get less

Be safe and basically know what you have in a years time

Answer 3, split the amount between Answer 1 & Answer 2.

Hold back what you might need in short term and invest the rest, Oil, India stock market(NII), OIEC (unit trust), Investment Trust or tracker.

By Oil as a commodity.

This. Buy a WTI ETF (US oil tracker) or bent crude (North sea oil tracker), the price is only going to go up from these levels medium\long term.

You could even trade it, WTI went up over 3% yesterday, sell at highs then buy back. Easier to just buy and check at weekly intervals.

Could buy Shell shares (RDSB) they are low at the moment due to low oil price and US strike, the strike talks are resuming tomorrow so price could start to rise. Good cash flows and paying divis (at the moment).

Could be another chance to make a bit on Russian stocks as this unfolds, I sold when the ‘peace-fire’ started. In and out quickly though, keep an eye on the oil price as well.

“when there’s blood on the streets”.

Change the rest of the bike to suit the Tyre?

but I posted about 10 minutes after the add was put up.

What if someone emailed via the email in the OP’s profile 5 mins after the add was put up?

I normally email if the email is there and do the dealing behind closed doors, sometimes if there is some interest I’ll post up ‘You have mail’.

I’d employ that petrol bomber, he’s really giving it his all and showing plenty of gusto, well done him.

I might be a hand wringer, but if hand wringers had been in charge on both sides then everyone might not have got into that situation in the first place. It’s all the imperial, colonial willy-waving that caused it.

FTFY

A hand wringer against a well armed psychopath might not end so happily (for the hand wringer that is). Always convenient for the hand ringers to use hindsight.

Music podcasts are quite hard to find due to copyright issues IIRC, even radio shows that are podcasted have to strip music out.

It was open Thursday so should be no probs now. The struggle was closed though.

Wearing watches looks so outdated, pointless and old fashioned now, IMO!

Quite like the new Gaz Combes stuff, I’ll prob get the album.

I wouldn’t wanted to have been in the van or mini bus that the wing clips, mental. 🙁

@ jambalaya I was meaning go for a tracker over active funds for US markets rather than individual stocks.

Stay away from spread betting IMO unless you really know what you’re doing or have a lot of money you’re prepared to lose.

There are a lot of funds, some are top quartile over all time period (1, 3, 5, 10 years) while some are bottom. To use the average of the funds to compare to trackers is distorting and bad funds drag the average down and detract from the best performing funds, like Woodford, Nick Train, Fundsmith etc. Horses for courses.

Go for trusts rather than funds if you can to keep costs down only buy when they are at a discount or below there average. A lot of tracker funds with £bns also have high fees of 1% or more, this is more than a lot of funds and IT’s post RDR, so shop around for the right tracker or go for an ETF.

Over price trackers.[/url]

Funds and trust are good for specialist areas of the markets, for income or the risk you want to take. Maybe have an all companies, FTSE 250 or global tracker then add a couple of IT’s or funds to spice it up a bit. I bought in to an Indian trust 7 months a go (NII) and it’s done very well.

Keep an eye on any funds you have if the manager leaves or something changes be prepared to ship out.

The US markets are so highly researched that there are no ‘value bargains’ to be had so only really worth going for a tracker in the US.

Good job Cruz, can’t beat getting stuck in and doing it yourself!

I did our in 2007, did the flue liner as well and got it all signed of for Building regs.

It was a great old fire but it started leaking in the bedroom so it had to go 🙁

All gone..

Repointed and the old fireplace surround tiles used to extended in to the hearth.

Up the flue.

While I was on the roof I re-beded the ridge tiles.

Job done (this was 8 years ago and the house has new carpet redecorated etc.) this was how the decor was when we moved in so dont start 😉

Pics of the pup please.

@ 16:54 pleased to report it’s as good as i remember…..

Wow, a great record from the past. I’ll be giving a play now….

Harsh having a go at flange IMO, it’s all a bit different when you one of the ones in the thick of it.

The buyer might have just been pleased to get a resolve and wanted to see the back of all the hassle, I suppose the thread would be part of that.

“Might be quicker asking who still has/rides an mtb?”

True, I only do for social reasons!

I’ve been with II (ISA, SIPP and trading account) for a few years, the best and cheapest if you have a decent amount with them.

Sorry…

😆 @ Jamie

Wow incredible, the amount of hours that must have gone in to that!

I wonder what they retail them for?

How much did the poppies sell for out of interest?

I bet it wont be long before they start appearing on Ebay at an inflated price.

Got to be Country Living

WTF is going on with Wonder Womans pants? Looks more like a nappy and a pretty full one at that.

On the Ana/DHB tops question the DHB one is much better looking IMO.

Great clip, thanks for posting.

“edd – Member
I thought he was an unpleasant bigot. I am not sure that I feel comfortable celebrating his, or anyone else’s, decline though.”

Man alive there’s always one…what about Nick Griffin’s decline he’s an unpleasant bigot is he not? Why would you not want to see an unpleasant bigot decline?

With the amount of time on his hands now and the ability of STW to get high on Google there’s a fair chance he will read this thread so in that case:-

Moyles you’re a talent less dickwad who should just fade away and accept the life of a nobody and has-been you are.

49 pages of intermittent bollox. First post 5 years ago after the hack was:-

‘Dobbo – Member
You’re not riding for Team Richie McCoy are you?’