Love Automatic and Out of Time, later ones too, but also Murmur is rather good I think.

I work away 4 days per week and think myself lucky – often I have to do all week. Wife grumbles a bit but mostly OK.

I do wonder about travel costs and what you might owe in tax if the company pays. If it was in the UK you’d have to pay tax on the expenses the company pays for as you’re going to your base office – is it any different if abroad?

he recommended the investment, started up by an old colleague of his- the m-i-l signed off on the movements when her and my wife weren’t on speaking terms- but it doesn’t match her risk profile or requirements. We’ve been paying the m-i-l the equivalent of her previous income til now, but compensation from the FCA has just come through at 70% of the original investment, and the property fund has now pushed out the moratorium on withdrawals until 2021.

Curious about the £30k compensation – is it due to his recommending a colleague with a inappropriate fund? MIL signed it off so she and the IFA are to blame – though if the IFA thought it was appropriate then not sure he’s done anything wrong really. If it had done well, which it well could have if not dodgy, then she’d be happy.

You owe her nothing but if she’s in trouble then taking on the investment is an option.

A red one?

My bro was 10 when he had to get the bus from his London school to the train station and then train back home where he rang Mum from a phone box. I’m surprised my parents were happy with that really but no option I suppose.

http://forum.bodybuilding.com/forumdisplay.php?14

I just have my surname which is nice.

I drove a Micra when in London as didn’t get used much and didn’t matter what happened to it when parked in the street.

Then I got a Puma – get one of those.

I some bus lanes are resulting in significant revenue raising then signage needs to be looked at – or are those getting caught just more stupid/antisocial than in other areas?

and they all outperform the market benchmarks, so in some ways having a restricted choice of well-managed funds is better than a whole of market offering where choice is basically pot-luck.

I looked at their funds’performance at the time but wasn’t impressed, I’d rather choose my own funds.

Regarding free advice from IFAs – a mate used to work as one and everything he suggested to me worked out very well – e.g. Framlington UK Smaller Cos back in 2005 – 190% return in 12 years. Did think about investing through him later but he moved to Dubai to concentrate on that market.

As long as charges are clear then anyone can charge what they want – there’s plenty of competition.

I used to ride with a guy who worked for St James’s Place, he tried to get me to give them money to manage but I didn’t see the point – they only have there own funds to offer.

15% rise i think BUT as we all know that amount of growth wont last too much longer

FTSE 100 up 20% in last 12 months – mostly due to fall in sterling. One of my US funds is up 48%!

Maybe he means cash ISAs?!

I use II having switched from HL but HL are cheaper for smaller portfolios.

I use KM on my Garmin and Strava, no idea why I wouldn’t want to really. I follow pro cycling and ride in Europe sometimes which may or may not have influenced me. But yes – ascent in metres means a lot more to me than feet.

Just think where we’d be if we hadn’t gone all decimal back in 1971….

Do you figures match my spreadsheet? Kinda curious….

My spreadsheet works for daily calculations – matched my Nationwide payments.

I created it as nothing very useful out there at the time.

I created this years ago:

https://docs.google.com/spreadsheets/d/1cLH5NU8s4ghbiB7wlc_a1obAcjXdY59TZuW5jhStqjc/edit?usp=sharing

That’ll teach me to be lured in by a catchy title.

Unhelpful titles should attract warnings.

I went from a Roomster to a Yeti, more space in the Roomster for stuff but more space for people using the rear seats. Floor of the Yeti is high if has a spare wheel. I lowered the floor and covered the wheel which gives a bit more space.

Yeah – Teenage Kicks
Should I stay or should I go – Clash
Happy Together – Turtles

The first car I remember is some sort of blue Simca Estate from the 70s – 1100 I think – with plastic seats that burnt our thighs in the summer. The next car was a beige Peugot 504 saloon though my Dad did consider a red Matra Rancho but didn’t go for it much to my disappointment.

I was a skinny teenager wanting to put on weight and only thing that would do that was heavy weight training. I always ate as much as I could but only put on weight when pushing the weights and lost it all if I stopped for too long. This was the way it was until I hit my mid 20’s and things started to change. Once I got to my 30s I could get pretty fat if I wasn’t careful so it’s a struggle to keep the weight down now.

I choose not to own a property to rent out as far too much effort involved and I have a decent chunk of capital in my own house, so yes I’ve put my money on the stock market and done well enough over the last 20 years. A bit wary of how things will go now but I’ve stuck with it through the bad times unlike some who get scared off then miss out on the recovery – such as the last 12 months when FTSE went up 27.5%.

LOL 1% a month in a bank, those kinds of banks are for the clueless.

I assume you aren’t thinking straight.

You can invest with pretty low risk and make 5 percent average yearly returns. Top investment managers will net you 15 percent average yearly returns

Only if you manage to pick the best ones each year, no-one can sustain that – where are you putting you’re money now so I can check on your progress. 2016 was very good of course due to the fall in the pound – anyone who doesn’t hold equity investments really missed out there.

interest only mortgage makes sense if it is far cheaper than renting and you are investing the extra elsewhere for greater return

That’s what I did and borrowed as much as I could starting from 1996 which seemed to me to be a good time to buy as were starting to recover from the nightmare of the late 80s/early 90s. Worked out rather well for me, I took risks but mitigated to a degree by having lodgers.

Er……This is Spinal Tap…..end of!!

Yeah but Best in Show, A Mighty Wind….

He made a mistake then attempted to make up for it.

How many others can say the same?

Where you putting it?

Having read the whole story he seems like a decent chap that made a mistake – goaded into it/drunk?

I wanted to connect my TV to my Hi-Fi so put a cable in the headphone socket linking to my amp – I use Naim so needed to buy an appropriate cable but all good.

Yep loved my trips to London to visit those vast HMV, Virgin and Tower Records shops. Virgin had a CD making machine in the basement back in those days.

The survey on the house I bought in London said that the loft room shouldn’t be used as a bedroom but it had been fine up until then and carried on being fine for the 8 years I used it. When I sold it there was no problem. Didn’t occur to me to discuss it with insurers though.

How long’s it been in? When mine was fitted my bill shot up, turned out there was a leak outside but no evidence. They said they’re supposed to check for leaks when fitting but subcontracted out and not done. My bill was reset and my insurance company paid for the external pipe to be replaced.

If only they’d let her have that Simpsons money she wouldn’t have to work now.

Princess Beatrice wasn’t impressed with him.

True but, some might be surprised to hear, in a case where the defendant has admitted guilt to the lawyer then the lawyer cannot act in their defence.

that is interesting. Im guessing there must be a reason behind that but what is it?[/quote]

Well a lawyer can’t lie in court – that’s perjury. They say they’ve been ‘professionally embarrassed’ and leave the case.

He’s not there to decide if she’s guilty or not, he’s there to do all he can to defend her

True but, some might be surprised to hear, in a case where the defendant has admitted guilt to the lawyer then the lawyer cannot act in their defence.

both threats

I put a few months Gold gym membership onto expenses when working in the US. Oh and hiring a Tuxedo for a trip to Atlantic City, getting there in a stretched limo. In the good old days that was….

Guilty

http://www.bbc.co.uk/news/uk-england-london-38824924