Fat bikes are a pointless waste of metal and rubber, riders thinking they look cool when they look like clowns. Legs spinning away just to keep a slow walking pace with gear ratios a granny could could up Hardnott on, lol. More pics please they always make me laugh.

How they think they look:-

How they really look:-

The Scotch people have voted, now let that be the end of it.

As I’m not Scotch I will not be making any predictions.

Castelli ones should only be used on a road bike, although they are acceptable off road if you’re on a SS rigid.

I love my armwarmers….I find them quite sexual.

Got Castelli and Lusso ones, if you want to feel sexy like me get the Castelli ones..

He’s not got a leg to stand on, he’s going down.

Castelli fingerless of course.

I’m upset she didn’t take Ruby Wax with her.

Good on Derek Grant, there’s no way he should have been jailed, even more so when Bradley stabbed him first.

Going back to medieval times due to religion what a surprise. Take all these bellends to the natural history museum and teach them evolution.

I’m in.

Can we have a ‘tarmac.road’ site next for real cyclists please?

Fat people are great, I always like seeing a big fat porker, especially one eating chips, maybe smoking a fag and drinking some full fat coke. 8)

The whole W8 interface is a joke compared to W7, ****.

Never trust anyone selling a bike that has the seat at that angle.

Another platform to consider maybe Trustnet Direct as the website is so good for info, I think they may be linked to Interactive Investor. Quite a few brokers/platforms are linked these days. Cavendish use FundsNetwork which is Fidelity but are like a 3rd party broker with charges, i don’t know how RDR has affected this.

I have some FTSE 250 stocks. The only income fund I have at the moment is Trojan Income, I might get some of Invesco Perpetual High Income or some of Neil Woodfords new fund when the markets settle a bit.

Tables: cheapest fund supermarkets for Isa investing

That is from 2011, a lot has changed regarding fees since then!
There’s a chart that showns how the fees add up compared to what you have in you account, you can see then where the thresholds are between companies.

I don’t have a SIPP with them but I might move my company one to them, it’s just getting the time to sit down and do it!! It all depends how much you have as they tend to do a fixed fee rather than a % management charge I think.

With my trading account & ISA I pay £80 a year (giving me 8 free trades) but I also get my partners trading account & ISA for free. Essentially making it £40 a year each of us. Others like HL, Fidelity etc. have a management fee i.e 0.45% this can add up if you have a decent amount in your account.

Dobbo – wtf, in the middle of a Northern crisp debate, you pop up with some shandy drinking, carrot munching, pathetic excuse for crisps. Are they from Essex?

Lol, I kind of missed the Northern bit although i do buy mine from Booths!

Cant say I’ve ever noticed or used free trade days! If you transfer your ISA you get an amount of credit towards trades.

HL have come under criticism lately for there charges under the new regulations regarding charges (RDR).

It partly comes down to how much you are going to have invested regarding the cost. Interactive Investorcosts £20 a quarter but that gives you 2 free trades (£10 each)which it sound like you will be using any way. if you link you account to your partners you only pay one charge. The more you have with Interactive Investor the cheaper it gets compared to other platforms.

I use them, seem good and cost wise they are very good value. I have a trading account and ISA. Easy to use website and control panel and always helpful when I have phoned them up. Recommended.

If you trade frequently you get a discount to £5 a trade.

Gone from a double air bed to 2 of these camp beds for £10 each. really comfortable for the price, not very big if you’re on the larger side.

BSO = Bike Shop Owner?

“New BSO’s are shocking right out of the box.”

“Working on a un-maintained BSO that’s been abused then left in a garage for the next 10 years is a whole world of pain but the satisfaction of that heap of shite rolling out the door like new is well worth that pain.”

geoffj I meant to get a hot water flow to the taps of 60ºC you’ll need a higher temp maybe up to 80ºC going in to the hot water tank heating coil, in your case from the oil, solid fuel boiler, solar and immersion. I didn’t make that too clear.

The heat pump with 80ºC output could heat a standard hot water cylinder. That stores hot water (for taps/shower) but it’s not a thermal store in heating terms. A thermal store goes on the primary side of the heating system, i.e. to heat the water tank and the radiators/underfloor.

Some heat pumps use an accumulator setup that does hot water, some have an electric element in them to raise hot water to 60ºC.

Do you need a thermal store?

Daikin do cascade heat pump that they say can get to 80ºC. And they are one of the best makes IMO. geoffj to get 60ºC out of a calorifier/water cylinder you’ll be needing flow >60ºC so 80ºC would be about right.

http://www.daikin.co.uk/domestic/needs/heating/renovate-replace-your-oil-or-gas-burner/daikin-altherma-high-temperature/index.jsp

I think it’s funny they get offended, it’s just a bit much when they start chopping peoples heads off.

Bikeradar have it right, must have pics, must have price. Advert removed if either are missing.

I’d have gone for Bacon myself.

Euphemism ?

Yes but maybe not for what you are thinking! Drawer 3 is where we keep all the fun ‘bedroom wear’.

Looks like the sort of thing I’d buy the GF for ‘bedroom wear’, I’d stick that in ‘drawer 3’.

Do the double plate flip-flop to serve.

Sempervivum tectorum (hens & chicks), spreads well on runners.

So we now know Nigel Farage posts on STW as eddiebaby.

One more reason to ban plastic packaging completely. That must be at least 35 years old?

When you can get it nice and hard with a bit of manual pumping and a good wrist action (!!) why bother with CO2 unless you are racing.

I got one of these small light and only time I used it a couple of weeks back got the tyre good and hard in a couple of mins.

Topeak Race Rocket[/url]

He should have done it in the toilet where that sort of religious crap belongs.