@kramer you might like to look in to the Bogleheads investing philosophy.  Here’s their take on rebalancing. Make sure you follow UK specific advice if you decide to act.

That 5010 looks nice.

I’ve been looking at this:

Aeris 120

Former housing minister Brandon Lewis told MP’s 2 years ago “We believe it is the responsibility of the fire industry rather than the government, to market fire sprinkler systems effectively and to encourage their wider installation”

That right there is the Tory ideology.

The market and the profit motive fixes everything.

The government shouldn’t hinder the market by putting red tape in the way.

No funding for sprinklers in social housing, and no compulsion for private landlords to put their hands in their pockets either.

If people want to live some where safe, they have to pay for it.

For conditioning, I would normally do a week at room temp, then to the coolest place possible, usually the garage.

For lager, I’m sure you know this, but lager is more technical because it involves fermenting at low tempratures (10deg) and “Lagering” (extended fermenting for 4 weeks)at cold (0-4 deg). You basically need a fridge with precise temperature control to get something that tastes like lager.

You can brew with lager yeast at ale tempratures, but it will taste like ale, not lager.

I feel that religion’s only function is to make you think you are better than the non-believers

Disagree, think the idea behind religions was to try to stop people f***ing each other over all the time.

Didn’t quite work did it? Then again, maybe things would have been worse without religions.

An explanation/history of the human race:

Person/country/culture/religion 1: You’re stupid
Person/country/culture/religion 2: No, you’re stupid

Do you mean £150 all in, or £150 labour + parts, suspect the latter.

Yes it’s definitely plastic.

Plastic is about 4mm thick I would say, but don’t know what type, how can I tell?

Would an engineer patch/repair, or would they go for the drum replacement only?

How much do you think an engineer would take to do that? Not sure I’d be confident tackling it myself, never done anything like that.

ohh that diagram in helpful. I can idetify it,

I’ve tried to annotate the part and position.

It’s the drum casing that seems to be covered by the part kit 150A. The hole on the far side from the side shown.

it’s a zanussi fs1555w.

Could the hole be patched/filled?

I love it when folk come on to threads where someone is in a bad situation and is looking nor help and the thing they can add is how stupid the person was to get in that situation. Tried to ignore but couldn’t. I am where I am. If you’ve got nothing constructive to say to help or explain just move on and continue being perfect that would be appreciated

Ok think I’m going to have to it investigated and hope it shows a link. I hear what you say about mis fuelling not being linked to electrics but I’m convinced something is going on that wasn’t there before. Fuel on belt was suggested by Aa guy who my wife called on one of the warning light events. I’m told it was checked at the Garage. still don’t understand why insurance won’t see this through. Before, no symptoms, first drive after repairs, symptoms. Why is that not seen as. A link and why is it up to me to show the link?

how are you making the link to your putting the wrong juice in it to these symptoms? sounds like a coincidence to me, sorry. if it persists i’d just get rid if i were you.

Before – no problems
First road test after misfuelling repair – problems

Why should the insurer pay for a diagnostic to establish whether or not they may be liable for the work?

The problem is that the cost diagnosis looks like it could be pretty open ended.

They agreed to cover repairs due to the misfuelling. I’m still having problems after the repairs that weren’t there before.

I don’t see whay I should have to fork out for that diagnosis.

Car went to this garage because I didn’t realise I had misfuelled, just rhought car was sick. Got insurance on board later once mis-fuel was diagnosed, but insurance company agreed to proceed with this garage.

I’ll tell you, honestly, I will love it if we vote yes. Love it.

Get a car with return full fuel policy, think Martin Lewis website tells you which companies have this.

Get separate excess insurance and just take the absolute minimum insurance for the car hire. Covers you for more, and is chepaer. Again Martin Lewis website covers this.

Get a Citreon Berlingo or similar. Loads of space for bikes and kit chepaer than a big estate or a 4×4.

this is how it really happened:

white van man narrowly avoids hitting dwarf sitting at traffic lights on a bike.

dwarf: “I’m not Happy”
wvm: “which one are you then?”

Dwarf kicks off

Sony X-Peria Go has a water resistance and durable ratings.

I’ve been to Luchon with AQR holidays. I would highly recommend the area and the company.

Well it feels like years and years and years and years and years and years.

Go away menmuir, I’m talking to my new friends.

We’ve been finishing our rides in the local brewery for years.
Why wouldn’t you?
http://www.bridgeofallan.co.uk/pages/tinpot.php

Can I come out with you? I live in falkirk now, having moved up from Edinburgh, and looking to hook up with some like minded folk around here.

So fess up OP, how long have you been into Craft Beer and Cycling then?

Cycling well forever really, but I was about 14 when started buying ycling mags (MTB action, mbuk) and watching the tour and getting into the kit and the sport over and above just riding. I’m 37 now.

Craft beer, well it came on to my radar in about 2005 about the same time I started home brewing.

we are all knitting and drinking wine now

Hmm neither of those appeal. Any other niche’s going around at the moment? Feeling the need to get into something else that most of the folk around me have never heard of.

The hipster craft beer pubs in Edinburgh are now doing 1/3 and 2/3 pints. Which is great, means the higher abv beers are still doable at the pub.

i tend to find that most of the young hipsters are good for 3 or 4 pints……they then fall by the wayside.

Are you saying ‘hang in there, things go in cycles, it’ll be unfashionable again soon’.?

You too? Cool. **** thousands of us now eh?

I don’t think you really get places that much quicker by overtaking. A few minutes at best, no matter what car you drive. If it’s someone cruising along at 40 I don’t bother anymore, the number of times in my youth I would get past someone like that, then when I’d arrived or stopped much further up the road, see them come cruising past me like 5 minutes later. These days, I see folk getting past me, and then I see them stopped off somehwhere much further up the road, looking like they more or less just got there. I think it’s because the 40mph cruiser doesn’t really brake or accelerate, whereas someone wanting to do 60 or more has to brake and accelerate loads, wait behind the next 40mph cruiser, get past them and so on, so the avarage speed isn’t that much higher than 40 for anyone no matter how you drive. Best just to save fuel, tyres and brake pad material and chill I reckon, do 60 if you can, but if you’re stuck in a line at 40, just roll with it, it won’t really make any difference. Safer for all that way too.

60 is a limit, not a target.

I vote troll

I do have trouble bringing my knees up to my chest in a morning to put my socks on.

Try some gentle cat stretches. Focus on tilting your pelvis, rather than arching your back, then spine curves will follow naturally. Keep your stomach muscles relaxed.

Then do child pose for a few minutes, again relax everything into stretch, work on getting your knees as close together as you can while letting you weight relax down.

Then you should be able to put your socks on.

Sun Salutation sequence also great.

Google for cat stretches and child pose. Common yoga/pilates moves.

Two planets floating around the galaxy.

Planet 1: Jeez, you look terrible, what’s up with you?
Planet 2: I’ve got homosapiens
Planet 1: Oh well, it soon passes.

Cotic soul’s are bicycle frames made of steel, onto which bicycle components can be fitted creating what is known as a mountain bike, a bike capable of being ridden in relative comfort and speed on challenging off road terrain (skill, strength and fitness of rider not withstanding). Some people people who have ridden a cotic soul frame fitted with mountain bike components like them and even feel that they are the most pleasing mountain bike they have ridden. Others who have ridden them do not like them. Still others who have never ridden them, for some reason do not like them, and perhaps even more puzzling, some who have not ridden them really like them. Consensus on whether they are any good has thus far proved elusive.

Have you seen how much they can cost? My brother in law (travels lots with his work) has a BMW 5 Series with run-flats and he was quoted £600 per tyre. Is £2,400 a reasonable ‘investment’?

Councils/airports/train companies face the same dilemna but in the £ millions. It’s all cost/benefit, risk/rewards, investment/pay back trade offs.

In scotland shed loads spent on the latest gritters and salt supplies after the snow in 2010/2011 shut the m8 for nearly a week. In winter 2011/12 it wasn’t needed.

As for your brother in law. Tell him I got a full set of winter tyres for my deisel astra for £320.

deleted. Others got in before me

They wouldn’t drop cycling because they’ve got a drug cheat, it’s because it’s looking like the governing body was/is complicit This is not new; while the UCI were considering whether they would uphold USADA’s sanctions on LA, one of the potential outcomes being talked about was that if they didn’t, they would be kicked out of the IOC due to the USADA -> WADA -> IOC dependency.

It did take a bit of selling to the Mrs initially – she hates budgetting and all that kind of things, but she likes it now.

Part of the reason she likes it now is that we never have to sit down with receipts and statements any more.

Should also mention, that we run a few different joint accounts to support this. Basically a Billing account (direct debits/standing orders only), a needs cash account (fuel, transport and food mainly), a wants cash account (anything we don’t need to buy now), a car fund account, and a savings account, plus our own personal accounts for our pocket money.

One benefit we are getting from it is an objective answer to “can we afford it”?

E.g if we’re thinking of a sky package on a twelve month contract, it becomes a “Need”, so the question is “do we have space in the 50% part?”

A holiday in Iceland? Is there money in the wants account?

A new kitchen? If we remortgage/take a loan, is there space in the 50% for the repayments.

When we bought our first house, we ran the numbers based on needs = 50%, and out came how much we could afford.

Can’t recommend it enough.

Cheers Feenster I’ll take a look at that, but cutting needs to 50% when mortgage and childcare are £1000 a month will be tricky, but we need to do something…

I’m sure it will be. Some pertinent bits from the article:

You may be discouraged by how far you are from the ideal. But running the numbers can help you understand why your money isn’t working for you. If basic overhead consumes so much of your paycheck, it’s no wonder you have trouble saving, paying off debt and living the rest of your life.

and:

Remember that the 50/30/20 plan is a goal to work toward, not something you’ll necessarily achieve overnight. And if you’re already in financial crisis — you’re unemployed, for example, or suffering through a disability — true balance may have to wait until the crisis has passed.

Good luck

DrP. Nice one :-) – hope it works for you – really works for us. We’ve found that we can keep really good control of our money without having to go watch every penny. It comes close to running itself once you get to grips with it.

Takes a bit of thought to get it up and running, and a slight change in mind set, and maybe even some tough decisions if you really want to stick to 50/30/20, but I promise it’s worth it.

It did take a bit of selling to the Mrs initially – she hates budgetting and all that kind of things, but she likes it now.

A bottle of wine usually helps when we sit down to talk about money.

Genuinely, let me know how you get on with it.