I must be getting everyone’s Yodel parcels then. Delivery driver dropped off two great big sack fulls at our new house. Guessing the previous owner was a last mile delivery type and had forgot to change his address!

Oh is that why you’re selling so much on Ebay all of a sudden?

I switched to mostly road riding 8 years ago and sold my 2003 S-works Enduro and titanium hardtail as figured cash in on them whilst I still can and had 8 bikes at the time taking up too much space. I kept my Soul for the odd outing.

Fast forward to now and I’m keep to mtb more, so I have the Soul but the Enduro was a great bike so wish I’d kept it, thinking about getting an Anthem which I guess will be a bit faster but no more fun.

Old/good bikes deserve to be ridden so get them sold for whatever they can go for!

Got my first albums back in 1986 – first band’s music I liked rather than whatever song happened to drift through my transom.

All installed now and all seems good – just did what Cougar said thanks.

Annoyingly I have several drive partitions for some reason – merged some using the windows tool so now have 2 drives – couldn’t turn into 1 though, any ideas?

I owe £10k but have more than that in the offset current a/c, if I ever fancy a Porsche it’ll just go onto my mortgage – 0.49% above base.

I saw COT1C – Cy would love that I’m sure….

These are the best:

I use Collect Plus as items are delivered to a store rather than dumped somewhere in the neighbourhood.

I’ve stuck with Barclays ever since they paid out on my cracked carbon frame damaged whilst riding in a group. Limit might be £2.5k though.

Thanks – not too bothered about what’s on there so will try a fresh install. Not sure I have an account though – will it just recognise my machine as licensed?

Look at that little dip on Black Monday…!

It’ll accept my Win 7 license? This assumes I can find it….

My mate has some good diagnostic and repair tools but I think he must be wrong about the disk being wiped. If I get a Windows 10 install disk can I use that to see if it’ll repair what’s there?

Indeed, I sold some when I bought my first house – and others when I thought something else would do better.

I wouldn’t be putting any money into the stock market I wanted to spend in a couple of years – so much risk around Brexit.

Having said that I do have a lot of money invested across my ISAs and SIPP and other funds that I won’t be realising it’s just that I don’t need to do anything with it anytime soon.

Hard disk is OK according to my mate’s testing but he’s suggesting it’s been wiped which if true the update wouldn’t have done I think.

No one immediately dumps a fund, I look at 3,6 and 12 month performance to identify funds to sell, looking bad in all 3 time scales could result in a sale. I use a similar method to find buy options. Works well for me anyway.

A query for those who sell ‘underperforming’ funds. How do you judge underperformance?

Against similar funds. No point watching one continuously under perform against funds in similar markets wondering if you should sell. I do have a lot of funds so look for excuses to sell smaller holdings to concentrate on a smaller number.

Over how many decades?

I started investing properly in 1996 when I started working but had bought a few things before than. I was fortunate to have been studying investment in 1987 so was interesting to see what was happening with the markets then. So I’ve been following the markets to some degree for 30 years.

I use the This Is Money portfolio to track my funds and also include a tracker fund. This allows me to simply compare performance over various time scales of my funds against the tracker so I can quickly identify what’s underperforming and potentially worth selling.

Overall I outperform FTSE by a worthwhile margin.

A company is worth the present value of all future income.

Not sure buying Bitcoin is an investment – well if betting on horse is an investment then maybe.

My mate has put all his money and pension into bitcoin and other cryptocurrencies starting from around 4 yrs ago, although he has property too. He can retire now, he says he’ll never sell up though so not sure what if he’ll ever benefit from his wealth.

Cryptocurrencies rely on there being more buyers than sellers who assume value will continue to rise, how long with the rises carry on? Will it stabilize or crash in the end?

14 12 years here.

Not seen the break in/owning with bombers thread mentioned where the OP got upset people thought it funny.

And that Kylie lady.

The whole Fruit thing was fun, told my mate who has SS wheels about the rock incident and then there were those brake pads that weren’t so useful.

The hacking – really want to know how that ended up as the hacker was found.

The rich elite (TJ?) – can’t remember the definition though but most people I know were probably included.

Oh and there was a girl who decided to post a photo of herself to prove she was pretty. Brave girl.

After my business degree I decided that what you do with your money is more important than how much you earn – calculated risks.

Borrowed as much as I could on an interest only mortgage and bought my first house pretty soon after starting work (in IT) in Hampshire in ’96 which turned out to be the bottom of the market so good timing; I also started investing. Moved after a couple of years to a decentish bit of West London, maxing out my mortgage again, to a house that needed work; saved up some cash after a few years and sorted it out plus extension. Mortgage paid off in ’03 when I was 32. Got married and moved out to Surrey in ’07 to a family home in a commuter village with a new mortgage. Paid that off in ’14 at 43. Meanwhile my investments have been growing and I could get a more expensive place but sitting tight during these uncertain times.

So my original thought on dealing with money seems to have worked out well but benefited greatly from significant property rises which is unlikely to happen again anytime soon – annoyingly my old London house is now worth as much as my current house so lost out there.

Time frame is 3 years

We had a few of those for pool / demo cars too and they were bloody brilliant, 1.4 or 1.7 it didn’t matter, I still think they look good now (sadly they rust which means there aren’t many left) almost the exact opposite of the TF in every way – it was really a tarted up fiesta, a small FWD shopping car in a dress, but it drove beautifully. It wasn’t fast per-se I think it was about 9 seconds 0-60 but it felt faster. Loved Pumas.

Oh really? I had mine 9 years and never saw any rust.

Not fast accelerating but it went around corners fast if you had the balls – and it recovered nicely from a skid…. I’ve grown up now.

I’ve been doing 3 nights away for the last few years, use Whatsapp and also Life360 so I can see where the wife’s spending her time….

Ford Orion – we had one as a pool car BITD. Awful to steer – heavy/unresponsive- bastid to park.

I drove one as a hire car when on my placement in ’92, hated driving it – I only had my Renault 14 to compare it to though (not a great car but I liked driving it!). The crazy thing was my boss decided to buy one for himself as he liked the company hire car so much.

…the worst Car in the world … was the MG TF 160.

When I had my Puma I decided TFs were my enemy and tried to race them whenever I saw them…. I’ve grown up now.

What is it worth ignoring the business side? I imagine people looking for that sort of business in that location is not a large market so hard to sell for sure.

You don’t think they’re playing well?

IGMC then.

1400 people lose their job because company ‘only’ made £600m profits is quite disgusting.

You don’t think they’re playing well?

Never been but I used to think Biarritz was a good spot, now think Girona might be it – or maybe I just want to live near David Millar?!

I wouldn’t move to abroad but a holiday home is a possibility, unfortunately wouldn’t get much use until I retire so don’t do yet.

Mudshark-Just because the the FTSE had a bad patch you sold three funds.This makes no sense to me at all.

I had already identified them as poor performers, just like to time my selling.

I’ve been investing in active funds since starting work 20 years ago and generally buy and hold however I do identify poor performing ones from time to time to sell then to invest elsewhere. A tip here is to sell in the morning as you should get the current price rather than tomorrow’s price – do when the market has fallen that morning and can be worth a few quid – I just sold 3 UK ones a few days ago as I saw the FTSE starting to fall. I am now buying in emerging markets to spread my risk away from the UK/EU/US where most my investments are.

BTW, I use Interactive Investor as a low cost platform for larger portfolios and also use the this is money portfolio tracker as easy to see performance over time of all funds in one quick hit so identify the bad ones. I also have a tracker in there so I can see how I’m doing compared to that.

Oh and Woodford’s Equity Income fund performance is dire over the last 12 months!

https://www.trustnet.com/Factsheets/Factsheet.aspx?fundCode=KEFAZ

Last time I checked the polls were still saying 52% wanted to leave

Got a link?

Most recent one I know:

http://www.independent.co.uk/news/uk/politics/brexit-latest-remain-win-new-eu-exit-vote-survation-poll-a7820286.html

If we don’t leave then the pound will strengthen wiping out a lot of gains I’ve made in the stock market…we agree with Vince though and we should stay

http://www.bbc.co.uk/news/uk-politics-40842017

The way I see it most of us have an easier time of it that some who have no choice so I just get on with it when things get a bit rough – e.g. shouted at to my face by a PM and generally blamed for things he was getting hassle for. Helps to be thick skinned but dealing with this stuff makes you tougher – just happy to get a decent salary really. I do work on projects though so there’s always an end point coming.

If there are good alternatives out there then nothing lost by going for them.

My son has both Pokemon and Match Attax cards, Pokemon are a lot cheaper I think and the footy ones presumably change each season so best kept away from surely. I catch Pokemon on my phone as the hotel I stay in is a Pokestop and he likes seeing what I catch. I got this one called Blastoise which all his friends want to look at.

Three of us in a 4 bed house, 1 spare room has mostly wife’s clothes and the other is a drying room – both have beds in.

I suppose we have a spare room downstairs – it’s got my turbo, weights and a pool table in it. Son has the biggest downstairs room as a play room which would be spare but it’s supposed to be a dining room but we eat in the kitchen.

Audi seen as premium so people more likely to complain about minor issues? They expect more perhaps?

Yeah my colleagues S line Q7 has had a few issues over the 6 years he’s had it. Just had a new engine put in, £16k of which Audi paid £5k. Add this to what he’s spent already and you could have a new Yeti better than mine, which has had no problems.

Think I’ve only had one – when I was 5 and it was about bonfire night at school, still remember bits of it.

My faves