There are quite a few things in the Andes and Nepal that aren’t technically difficult but are very high.

It’ll likely cost a fair bit though

If we’re talking Annapurna then I think the challenge is mostly the altitude. The terrain wasn’t particularly hard but lordy it was difficult to breathe up there

from https://en.wikipedia.org/wiki/Annapurna

Along with K2 and Nanga Parbat, Annapurna I has consistently ranked as one of the most dangerous of the principal eight-thousander summits. Climbers killed on the peak include Britons Ian Clough in 1970 and Alex MacIntyre in 1982, Frenchman Pierre Béghin in 1992, Kazakh Anatoli Boukreev in 1997, Spaniard Iñaki Ochoa in 2008,[23] Korean Park Young-seok in 2011[24] and the Finn Samuli Mansikka in 2015

Let it fall over

We’re half way through the tax year now. If you got made redundant now you’d only have been paid 23K this tax year so you have 27K headroom before the 40% kicks in – provided you don’t get a new job before April.

If an AVC can’t be made to work then you can pay into a SIPP and claim relief on your tax return.

Things may change after the budget.

Is it a with-profits policy?

LV= quote.

Last year’s total price £772

This year’s total price £1,428

FFS. Well that’s tomorrows job then.

Had an – immature – chuckle at this

more lumpy and lengthy

Wait till he gets to the Bush

Through the green cleuch? Fine for a gravel bike.

Point of order – Kirsty Allsopp is not middle class!

We’re just back from a week there.  We had excellent weather which made it fantastic. I even had to take my jumper off once.

The archeological sites are very interesting. Stenness, Brodgar, Skara Brae, Unstan chambered cairn. All worth seeing. This is the last year of the Ness of Brodgar dig. If you are in time to visit it you must before they cover it over again and go off to write up their PhDs. Maes Howe was fully booked until December but they reserve a few tickets for each day which you can get if you turn up in person at 9:30.

Stromness and Kirkwall are worth a half day each.

The Italian chapel

Tidal island ‘Brough of Birsay’ is worth a vist. Accessible 2 hours either side of low tide. Combine with visit to tea rooms (booking highly advisable)

Take bikes and vist some other islands as foot passengers. If taking a vehicle then booking is advisable in summer at least.

Hoy is rugged compared to the other islands and Lyness museum and graveyard are good.

Try the fish

No. Vanguard platform fee is 0.15% capped at £375

https://www.vanguardinvestor.co.uk/what-we-offer/fees-explained

BTW that map is out of date. Croatia is now in the Schengen zone.

Ireland isn’t in the Schengen zone so passports should be checked on entering from there.

winston Free Member

“Few societies have true “freedom.” The ones that do, we’d consider savages.”

I think a few people on this thread need to read a bit of Huxley, who wrote the second best future fi book ever written.

Is your surname ‘Smith’?

“The minimum is £14k for single and £22k for a couple”

Is that before, or after, tax ?

(Something that ice not seen clearly stated ! Same on the ‘higher’ standards.of living figures  too.   As obviously that.makes a big difference !

It doesn’t make much difference at the lower level. The tax on 14K is only £286 (less in Scotland) and on £22K no tax is payable assuming two tax allowances.

Lick my lunch pump

Cats hate everybody

https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

Celine Dion – fair belted that out

Let’s say, after IHT was paid, your wife inherited £400K in shares 12 months ago and that these shares are now worth £440K.

If she sells them now she will have made a gain of £40K. She has an allowance of £3K* so will need to pay CGT on £37K.

Let’s say has a pension of 20K. To work out the CGT tax rate add this to the gain = £57K. She will pay 10%** on 30,270 and 20%** on £6730. (The threshold is the higher rate tax band – currently £50,270)

Your wife can transfer shares to you free of charge so as a couple you would be able to benefit from two CGT allowances and probably eliminate any 20% liability if you think it’s worth the effort.

* bet this goes down soon

** bet this goes up soon

Can you get 20k put into an S&S ISA wrapper? But as above best speak to a professional

Yes and No.

Yes you can do it but it selling (or transferring) the shares in order to put it into an ISA still triggers a potential CGT liability.

What’s the English for ‘bicycle’ :-)

The local ‘Men’s Shed’ might take donations of those things you can’t sell

Given that Scotland humbled Spain 2 nil in the qualifiers a victory for Spain means that Scotland are the best team in Europe and a 1 goal win for England means that Scotland are better than England.

Here we go…

I’ve lived in a house with Velux windows for more than 20 years and today youtube told me why there’s a hole in the frame.

“The new Honda Civic is meant to be very good but they are now quite expensive.”

I have one and I would say that’s a good summary!

Cardboard box is fine.

They were checking bike box size at Edinburgh airport this year so check yours before you go.

I fell asleep at a Jules Holland’s Big Band gig at the Assembly Rooms Edinburgh Festival

In my defence I was very, very drunk.

1. No – shocks are designed to bottom out. It won’t be damaged.
2. The shock may well have been underpressured but was not 1/2 the pressure. Attaching your pump lets air out so you decrease the pressure just by measuring it. It’s not possible to measure a shock’s pressure accurately. It’s only possible to pump it up to the desired pressure.

I have to turn my bike upside down to get the back wheel in 🥴

I put a few layers of duct tape on the underside of the insole and it seemed to help.

May have been all in the mind though.

Try understanding transfinity. When you do, explain it to me, please

It’s like infinity, but beyond.

“fun fact – the 21m rule (distance between two upstairs windows that face each other) is based on an experiment from over a century ago to find out from how far away you could see someones nipples”

That must be temperature-dependent surely. British Standards Institute needs to get involved.

I phoned them about this in Edinburgh and they said it would be OK.
You’d need to ask about Manchester specifically I’d have thought.

On holiday in Spain last year I noticed dog-walkers carrying a bottle of water and using it to wash down any walls their dog peed on. Something I’d never seen before

“Windows 10 support ends 14 October 2025, I would upgrade.”

**** it I’m going straight to 12

Sexy tall blond female German border guard (Cologne), looks at my passport, flashes me a smile and wishes me ‘happy birthday’

30 years ago, still remember it.

A real one. An ex boss whose first job was at Jodrell Bank said they measured energy density in British Thermal Units per cubic Megaparsec

I would throw you out of bed for eating them

Wait for a nun to cross the road and follow in her wake as the traffic screeches to a stop