What about just SW of Bewerley? The path starting at the FB above middle tongue below:

Ask the estate agents advice about what it’d be worth with a new roof (I’d guess more or less the same).

That would be true if the existing roof was merely nearing the end of its lifespan and needing work soon. In this case the value of the house is compromised by this as many people wouldn’t touch it or can’t borrow against it.

+1 for try different lenses. I haven’t found a daily lens that I get on with. I use a silicone hydrogel monthly disposable, they are quite different to dailies – thicker, easier to handle, don’t dry out, way more comfortable for me.

Like what? I don’t want lethal traps and poison is out of teh question…

If you actually had a rodent problem – rats not mice, then I guess you would change your tune pretty quick. You need them gone as fast as possible, they cause a lot of damage. We had rats in the house last year and the council sent a pest controller, the only option they gave was poison.

I use a blow torch. Quick blast to warm the flue if needed then light the kindling.

List of defects on mine that with the benefit of hindsight could have been picked up:

More rotten sash windows than I thought.

Inaccurate information about layout of drains in relation to neighbour – would consider a drain survey in future depending on house age and/or location.

Small cracks in render – actually let in quite a bit of water over time. Surprising amount of damage revealed when you remove failed render.

Naively we didn’t check the owner of a nearby retaining wall that has now collapsed. It is ownerless…

Bathroom extractor fans that aren’t actually connected to a vent, hard to check.

Didn’t go anywhere cos Caveat Emptor lolz

That happened to me as a buyer, it was absolutely hilarious I can tell you.

SKS Al on an adv 8.9 here. As others have said the stock stays aren’t long enough for mid fork mount, I had to buy extended stays. The square profile isn’t ideal with the fork but I did manage to fit 40mm tyres in there. I would look at something else if I was buying again for this bike.

I should add that the Scottish Widows pension was a private pension sold to teachers as an add on to their workplace pensions. They had an IFA come in during a staff meeting to do a sales pitch and loads of them signed up. I was not really in the pension mindset at the time so thought nothing of it. In hindsight she could have done much better without the IFA flogging a high fees product. One of the many reasons I will never touch an IFA with a barge pole now.

If that lot get taken out by a log pile collapse then Harry is next in line to the throne. Makes you think…

My wife has a SW pension, it is has been very poor value IMO. Far too much moved to cash and bonds as she got older which left her overexposed to the bond crash. And very high fees to further suck the life out of it – charging 1% management fee on the lot, including the cash element!

Nintendo games tend to hold their price well. If you buy physical copies they can be sold on later for a good amount. Obviously downloads are more convenient, but you pay for that convenience.

There is a new switch on the horizon, there could be some good deals about on the original in the coming months.

Not just onshore that was blocked in the South by the tories:

https://www.bbc.com/news/uk-england-34188026

The NIMBY lobbying against this one was off the chart given that it would have been visible by the Poole harbour yachting set.

Its also often ruined by the use of cooking margarine rather than butter

+1

Baker near me has a great reputation but I find it totally mediocre – all the sweet stuff is ruined by the use of margarine.

Think. You get laid off from work/end up on long term sick and head off to the job centre.

It is a fair point, but many would consider the risk of that happening in a 4 year period to be small.

There is a downside to putting money in trust too, if I had received a lump sum at 18 I would have wasted it.

Thanks all. Yes, I have been in touch with the school and they will be providing support to fill in this section of the UCAS form.

How are you managing that? Any tips very much appreciated*

She isn’t a hide in the room type… Big hugs, got her to walk the dog, encouraged her to go to work even though she didn’t want to talk to anybody. We are all different though, that wouldn’t have worked with our other 2. Good luck!

Are you sure your 14 year old doesn’t have a CTF? A quick google suggests they stopped on 2nd Jan 2011. Or did you actually have to do something, I can’t quite remember with my kids.

Unless you have maxed your own ISA allowance why not just save it in your own name and give them the money when they hit 18.

Thanks for the replies.

Yes, we are making sure she keeps it in perspective.

If she is looking for this year then do it asap.

She is doing some advanced highers and a couple more highers this year, so she would be looking at courses starting autumn 2025. But she would have liked to applied this year really.

In my workplace pension I have some invested in the bog standard ‘managed’ diversified growth fund – fee 0.35% and some in an international tracker – fee 0.08%. They are actually very similar in performance, struggling to see the point of the managed one at present.

Are they tanwalls? I had some OEM schwalbe TR tanwalls that leaked through the sidewalls, you could see the sealant oozing out. Eventually the pressure loss slowed down but they were never great at holding pressure. Replaced them with the same tyre but tougher grade, no problem now.

Portugal was the cheapest and fastest way to an EU passport. There are also some really nice places to live if you steer clear of the major cities and southern beaches

Did you read the link you posted?

2024 Update: Portugal’s Golden Visa Program went through serious changes in October 2023. The changes have no retroactive effect on existing applications. However, the program ceases to accept real estate purchases and real estate related funds as qualifying investment options.

Pensions are tax deferred not avoided. Pay in with tax relief now and, depending on your pension, pay out and pay tax later.

There will be lots of people with small pensions that don’t take out more than the personal allowance. Easy to see a situation where you take less than 12k/year for a few years waiting for the state pension to kick in.

The problem with a lot of the information is that it is aimed at larger vessels navigating deeper channels.

This is a good book:

https://www.wob.com/en-gb/books/franco-ferrero/sea-kayak-navigation/9781906095031

The wallet is significantly more secure than having your bank card stolen.

Wallet is heavily encrypted and behind FaceID (a LOT more secure than a 4 digit bank card pin). Your physical card being nicked from your pocket or the back of your phone can be tapped away, instantly…

It is more than just encryption. The actual card details aren’t added to your phone at all. It uses a token that is unique to the device. The token is passed to Visa/Mastercard who look up your actual card details and pass them to your bank.

Much more secure than your plastic card.

In interesting recent example of this motornormativty was that Range Rover ploughing into a school in Wimbledon. Clearly a terrible accident but the reporting barely mentioned whether it is normal to have a 2.5 ton vehicle in a densely populated urban area.

And also fairly predictable that a vehicle might roll down that hill. It was a new building, why no planning requiring a raised kerb or earth bank to deflect a vehicle?

There are some utter scumbags about aren’t there. Sold a petrol strimmer when I moved house to a place where I had no need for it, just needed it gone. Chucked in a helmet with face guard and ear defenders. After he handed over the cash he was waving the helmet in my face saying ‘you are an idiot you could have sold this separately for £20’ . I was speechless.

That is grim reading. I got a load of vape awareness stuff from my daughter’s high school, I thought they were overreacting tbh. But those are worryingly high percentages to be full of shite.

I’m assuming it is to stop the kids finding the sex toys.

I’d be on beer and pizza for a month.

Is that the Wayne Rooney diet plan?

Stop bleating on will ewe.

It is basically slightly fermented grass, pretty benign really. Probably quite good for you, my dogs think so.

Two people I used to work with in an IT office job went directly into trainee driver jobs. They were both delighted with the change. That was over 10 years ago though.

To add, on the East coast we had a wet early spring but it hasn’t been that wet a summer and as normal there are next to no midges.

Scotland is pretty big. This is like asking ‘is it raining in England’, Cumbria or Kent?

Your vapour barrier is full of 10mm camera holes, I’m not buying this house.

Am I alone though thinking that it’s a bit odd that this blokes partner didn’t know his passcode, he didn’t have biometrics set up or have her as legacy contact? Apple make this stuff so easy its almost harder to not do it.

I don’t think it is odd. Apple biometrics (Face ID?) probably won’t work. I don’t really have any need access my wife’s phone or vice versa. It isn’t easier to set up a legacy contact than not, doing something rather than nothing is always going to result in people not doing it.

Boardman adv 9.0 on a flash sale at the moment for £1280

https://www.halfords.com/bikes/gravel-bikes/boardman-adv-9.0-road-mens-bike—s-m-l-xl-frames-749198.html

And 8.9 for £864

https://www.halfords.com/bikes/adventure-bikes/boardman-adv-8.9-mens-adventure-bike-2021—s-m-l-xl-frames-389606.html

Interesting comments from both Pogacar

“I know the downhill but I was a little bit surprised to see wet road in the first few corners, so it was a bit scary.”

and Evenepoel

“Then I launched into the descent and I took a little too much risk, I almost paid for it. I slipped two or three times on slightly wet sections, so I lost a little confidence.”

For a sport trying to improve safety it seems a bit crap they weren’t warned.

they are annoying but hardly killers

survivor bias