5:43 for me, planned on 6 1/2 hours, secretly hoped for 6, but for a fat bloke in his 50’s that was fast.

Sorry to hear about the bloke on Leith Hill, seems to be one every year :cry:

I use big yellow as an archive store, their compulsory insurance added about 50% to the quoted price. But they are local and convenient so I put up with it.

On a slightly different note – there was someone who was doing some nice bike based ones – sliver plated chain links if I remember correctly.

Does anyone have a link?

thanks

Thanks

Have you used it, is it any good?

I was on a long drive on Sunday afternoon, Five Live sports extra had live coverage of the tour de france, two blokes watching a blurred TV screen covered in rain trying to tell radio listeners what was going on when they clearly knew and understood nothing – it was so bad it was impossible to turn it off.

On normal radio Jeremy Vine is clearly and without doubt the worst – him and Melvyn Bragg on In our time.

I might be interested at the right price.

Does it have a web browser on it?

Back in the day I cut down the fork column on a pair of Manitou Forks – too short, so had a brand new ornamental pair of forks. Took ages to save up for a new pair.

Measure Twice Cut Once !!

Rather than a local solicitor I would opt for a licensed conveyancer – they will be cheaper, and because it is all that they do quicker and more knowledgeable.

Brad Geddes – Advanced Google Adwords. There is an awful lot to get your head around, but if you can do it – it works.

Mine is in the 40’s – I am 50 years old ‘big build’ but quite active. Went to the docs to be told you are either very fit or very ill a disease called Brughada Syndrome (sp?) was mentioned. A quick google suggested that this is associated with outwardly fit people dropping down dead so it was quite a worry.

My doctor was concerned enough to refer me to Papworth hospital who did a load of tests and came to the conclusion that my low resting heart rate was one of those things and nothing to worry about.

They set my mind at rest so it was worth checking out.

I am a little late to this, but would just say that the Joint Account thing is a bit of a red herring, if a bank becomes aware that one party to a joint account has lost capacity then the British Bankers Association guidance is to restrict access to the account and the functionality of the account for all parties.

https://www.bba.org.uk/publication/leaflets/you-and-your-joint-account/

This means that a Lasting Power of Attorney is still essential.

I thought I wanted a Tripster and then I found I really wanted a Sabbath September AR1.

It is fantastic.

Tinned spaghetti Bolognese (Heinz) and cheddar cheese for main course. Banana and dark chocolate for pudding. If you are careful you can do both at the same time side by side.

Shimano it is then.

Find a local auction house, and invite them round to value the contents. They will be used to doing this type of thing and will identify what is saleable and what is not.

Anything that the auction house won’t/ can’t take can be donated or scrapped and the charity should be happy that you have made your best efforts for the estate.

As an executor appointed under a Will you have a legal responsibility to maximise the estate for the beneficiaries, if you don’t you could be held liable personally. Estates left to charity are always a bit of a nightmare as they want to know the ins and outs of everything without doing any of the work. You can renounce your appointment and leave the charity to get on with it as beneficiaries (most charities will have a legacy department who can do this for them).

Hope That Helps

I got a pair for Christmas. They really do intensify the aroma. Will see much use in the future.

When I worked for TSB many years ago I once was put on hold to an internal call centre, I had a very angry customer staring at me across the desk, after 2 1/2 hours (customer said he would wait all week if that’s what it took to get an answer) someone claiming to be a cleaner picked up the phone and said everyone in the department had gone home for the day.

Customer and all of his family closed their accounts the next day.

Another vote for windows stuff. For business use Windows Phone/ Surface/ Desktop PC/ Exchange works really well for me.

I don’t play games or need loads of apps the only thing that has cause me an issue is the lack of dropbox for my windows phone.

My brother snogged 80’s one hit wonder Princess in a night club, and my son sold Martin ‘Wolfie’ Adams a bike.

Strictly Come Dancing – and SCD It takes two!

When you are dealing with gifts or loans between family members the absolute rule is to document it.

If your father were to pass away and you claimed that there was an outstanding loan without any documentation then HMRC could well be suspicious of this and minded to ignore the debt in any Inheritance Tax calculations, however if you were able to produce a loan agreement and evidence of the transfer of funds (bank statement) then they will allow the deduction from the estate.

Similarly any repayments your father makes will be treated as such but without the documentation could be treated as potentially exempt transfers from his estate and therefore subject to the 7 year rule.

All of this assumes that his estate is likely to be above the inheritance tax threshold, if not then it is a mute point as no tax would be due in any case.

There is no set amount that a Bank is obliged to report to the authorities, however they are obliged to report any suspicions to the serious and organised crime agency via a Suspicious Activity Report so you should be OK on that score.

If you want more advice or a professionally drawn up loan agreement then my e-mail is in my profile.

Hope that helps
Nick.

Guys, thanks for your feedback – just had this from Paul –

Paypal is now on there. Have added the Favicon. Have updated the DSR info with return postage details…though it is 14 days cooling off period now, regs changed in June from 7 days to 14. Am re-naming some of the products to make them more easily identifiable for those who know and like the codes. Have added phone number. The story of the name will be a blog post at some point in the near future and the gift sets idea is in the pipeline. Got to walk before I can run etc
Thanks for the feedback though, much appreciated. Happy for you to let the chaps know that I’ve acted on it. I can’t comment unless registered.
And thank them for their feedback too…very kind of them to take the time to have a butchers for me.
and yes……have had my first order.

He is doing beard oils and stuff too.

[*]I have five or six of these. http://www.perimeterbicycling.com/poster-gallery/ got them from interbike about ten years ago. They are the best cycling posters I have come across.

A bean to cup coffee machine

She uses Endomondo already for her cycling and spinning classes. She is more interested in quality of sleep, and the level of exercise that she can build into her daily routine. Endomondo really drains the battery on her phone too.

The Bangles were a fit band but the Go-Go’s were fitter.

If it is relevant, she has an I phone and I pad, so the app would need to run on apple devices.

Terry Wright Cycles in market deeping. One of the best shops in the country never mind cambs. Ask for Ben he will see you right.

My wife flew back from Spain with them last night. Hand luggage only 40 euros all in. Just booked to fly back on th 12th (47.99). Just treat it like a bus, not that pleasant but does the job.

It was poor on ITV4 – but if you watched it Live on Eurosport it was abysmal with embarrassing thrown in every time they cut to Greg Lemond and his oppo.

They managed to miss or cut off quite a few of the teams presented.

For the first time in my 50 years on the planet I struggled to get to sleep last night because of a TV progamme. It’s excellent

Another vote for the Hawksmore from me.

Mine’s the top tube of a team Sky Pinarello with the ‘ride the line poem’ don’t know how to post pics.

http://img.skysports.com/12/03/Others/596058.jpg

Boots do a Soltan Spray for scalp and thinning hair – that works for me. I still get a helmet line tan though so I might try the buff this year.

With the financial ombudsman you always get two bites of the cherry, adjudication via an adjudicator and then an appeal to an ombudsman. If you go on to accept the ombudsman’s decision you (and the other party) are legally bound by it and have no further referral rights. If you do not agree then you retain the right to pursue the company you are in dispute with via the courts.

Given that it was a breach of Data Protection I am not entirely sure what redress the ombudsman could offer as their remit when I have dealt with them previously is to deal with financial losses.

When I was on my brother’s stag weekend, one of the stag’s with a reputation for being a Greedy B****** bet the rest of the group he could eat one of everything off the menu*. If he did we paid for the food and his beer for the rest of the day.

He did it and we paid dearly!!

*One Large Fries and 20 McNuggets (rather than S,M,L fries and 6, 9 & 20 nuggets)

6 years is an important figure, because the recovery of debts is statute barred if the loan was made over 6 years ago and the lender has made no attempt to recover.

This factsheet might help. http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

Of course for it to be enforceable in the first place he would have to prove to a court that it was always intended as a loan and not a gift, his actions in gifting a similar amount to your brother at a similar time would help your case if it ever got that far.

The problem with many (probably the majority) family transactions is that they are not properly documented and as a consequence it is almost impossible to prove either way.

Sadly I think you will need to engage a solicitor to rebut the claim on your behalf. It will cost a few quid but will hopefully make the problem go away.

I am in on the ballot and in with GOSH – will take the ballot place and still raise the sponsor money anyway. It means GOSH have a spare charity place now.