Let it be known that you are going to the police, but will give a 1week no questions asked amnesty.

Anyone here dabble in NASDAQ stocks?

Only contained in funds.
Interestingly, I hold two tech funds, Polar Capital Global Tech , which has gained 117% over 3 years , and Henderson Global Tech which has gained 99% over the same period. A Nasdaq tracker, iShares Global tech, IXN, has gained just 55% over the same period. This is heavily weighted towards the FANGS, while the polar Capital has a max holding of just 4% in Facebook and 3% in the other usual suspects.
Not meant to be a top trumps game, just random fund holdings against a random tracker…

Means nothing.

Means everything! Condition is cosmetic… I bought my Outback 2 years ago for £2.5k witth every panel dented , but it had ten years of the same original owner, and FSH and it drives like new. I replaced the exhaust , but other than that, nowt.
The same purchase priorities have seen me right for nearly 40 years of trouble free motoring, mostly in cars that have been cosmetically challenged, and dare I say it, French.
£4k would get you a good Subaru. Thirsty, yes, but If looked after you’ll spend nowt on repairs.

Is this Kommittee in addition to the management company?

But all this is irrelevant. Everyone knows the finest rendition of carbs, dead pig and rancid cow milk in the world is Tartiflette.

Who says it’s a £100000 flat? Obviously not the estate agent.

They may have done, but changed their mind…

How long has it been on the market?

Trackers, er, track their target index by holding shares in the index in proportion to their value in the index.
No they don’t.
Educate us (me) then (I realise there’s scope for nit-picking in my explanation)

In proportion to their market capitalisation….

Interestingly, there was an article in the FT, which I can’t find, a few years ago which found that unweighted passive funds (eg FT 100, each co has 1% weighting), had the highest long term gains, just beating a monkey with a pin…

If you want the two cents of someone else new to all this I’d say get on with it. Long term they will go up. You just need to ride out the dips. If you want to hedge your bets a bit then put the money in bit by bit, say once a month. It is my understanding that is the best long term (obviously you may get lucky, or unlucky with a lump sum but this averages things out)

+1 !

The best time to plant a cherry tree was 20 years ago. The second best time is now!

Just so we’re clear, I see this as an interesting debate, I’m not being all internet know-all, I promise. FWIW I work for a wealth management firm, trackers are not very popular around here, the firewall alerts are probably glowing red-hot as I post this stuff

😆

I can imagine…
You’ll be pleased then that some investors still value active funds,
but not so pleased with the belief that “wealth” managers are spawn of the devil. 😉

And at the times the markets fall significantly, pretty much everything falls, including the ‘expertly-managed’ funds. Unless, of course, you’ve been lucky enough, or had the ‘expertise’, to pick one of the few that may buck the trend.

Exactly, Some funds will fall more than most , but just as a good manager can regularly beat the market going up, some can beat the market going down. Luck does have a part to play, but undoubtedly so does skill. Just like Backgammon, or Poker, or other “gambling”.

Undoubtedly. But how do you know which ones they are (or more accurately, will be, as it’s future performance that you’re after)?

Generally speaking, good stock pickers will continue to be good stock pickers.
Trackers are great when the market is on the up, but when it stalls, or falls…
What then? We are yet to find out!
They are great for lazy IFAs though, who presumanly pocket the difference in fees themselves…

I’m very glad I’ve been in legg Mason Japan, frinstance, rather than a Japan tracker

That sounds like a pretty high rate of return!

But achievable, in the past few years anyway…

https://www.trustnet.com/Investments/SectorPerf.aspx?univ=O&SP_sortedColumn=PerformanceCurPerf.P3m&SP_sortedDirection=DESC

is what you need!
Play around with this, clicking on column headers and your mind will be boggled…

But by investing in funds you’re buying someone’s expertise – and you will potentially earn much more than just randomly buying shares in x, y and z.

I’ll happily pay someone 1% if they’re making me a return of 30%.

+1
Over the years I have been paying into ISAs for me and the missus. I have been buying and selling , wheeling and dealing, spending hours seeking the next opportunity, winning and losing…
The missus’s portfolio I treated almost as an afterthought, choosing a selection of funds in Europe, Japan, China, India, Frontiers etc. These have remained untouched, save for topping them up every year, with only the odd addition. She’s comfortably outperforming me, and the markets.

If you do have a stellar year and rack up decent gains then you simply “realise” these by selling the shares and rebuying. This resets the capital gains calculation and is generally “cheaper” than paying the tax if the gains continue. FYI tax free capital gains allowances don’t carry over year to year.

Though to realise these gains you would need to Bed and Breakfast, leaving you out of the market for 30 days. With an ISA you could Bed & Isa the gains, keeping you in the market continuously.
An ISA may not make much sense in the first year or so but sometime in the future you will wish you’d opened an ISA from the start. HL charge 0.45% for shares held in an ISA, capped at £45 pa. iWeb charge nothing.

All free and full of useful info, I d listen to a few before you part with your cash

+1, though the best lessons are usually the ones learnt the hard way!

You can put max £20k into one.
You can only hold 1 per year

Confusing…

You can only put £20k into one this tax year, but over the years you can put as much in as the annual allowances, er, allow.
You can hold more than one per year, but you can only open one (S&S) ISA per year, though I believe you can also open a cash ISA , totalling up to the yearly max.

Hargreaves Lansdowne have an excellent site. They are a bit more expensive than most but their site is easily navigable, unlike some, and they have excellent research and dealing tools.

Goodyear excellence for that sort of money. I think mine, 215/55/17 were £85 a corner last year.

+1 for findinfg a new tyre shop

Laminate looks rank.

Agreed, and it sounds different…

They do last forever.

Op posts long thread, gets piss take answers then claims we don’t have a sense of humour and deletes original thread…

You were first attender. It’s up to you to secure the original post!

I had a client with a barn conversion. As it was a listed building they were required to fit solid oak boards. They went for 9″ width, over the underfloor heating…
It was like walking across a ploughed field, except where the fitter had put the odd nail through the heating, and then it was like walking across a poorly drained ploughed field.
I’d go for engineered myself, oiled , as scratches can be nearly hidden by a wipe over with an oily rag, creating a lustrous patina over time.

If you have dogs, laminate is more fun when the postman calls…

Sounds like next door doesn’t have a loft and you have a big loft then.

Bring on the Flying Freehold…

Ask for his number.
Phone him.

OR

He can change the listing to a Buy it now of the agreed price.

Unfortunately it’s fouling the chain when I use the 3rd largest sprocket too. Took it into the workshop at work and managed to improve the situation but still slightly bent….

As others have said, get down your LBS and get a new cassette. If you can’t get one in time, you still have a hatful of gears to use, including the all important big one.

When it folds over completely it will take out a few others and probably break the spider too.

😆

No way I’d be taking that any further than I was prepared to walk home…

It’s only one sprocket of ten or so…
Presumably the others are OK to use?

Made in different factories though, so depends on the local management and workers attitude.

And the buyers’ expectations.
PP has it!

Only 30 mins and on beach/dunes

Have you tried a thin smear of grease between the stem and bars?

Have you greased the crown race interface to the steerer?
You must have pretty good hearing to isolate the creaking to the forks. How do you know it isn’t the stem/steerer or stem/bars?
Have you checked the frame and fork for cracks?

have checked with Sky, PlusNet and BT – up to 17mb).

I was promised “up to 17Mb”. The reality is 2…

I’m fully aware of RBS’s situation thank you.

He still steered it down a shitpipe of a financial hellhole.

Unless you can prove otherwise, obvz is after all obvz.

I have no need to prove anything, and I can’t be arsed.
Anyone who gives a shit can get googling.
Keep the Faith!

Sir Philip Hampton joined RBS in 09′ as Chairman, so he helped steer RBS down the shitpipe of financial hell hole.

The damage had already long been done by the time he arrived at RBS

That’s a shame. Looks like the new partners have buggered aboy with the business model. My base layers are nearly 5 years old and still nigh on perfect.
I like stuff that lasts.

Although I’ve just spent £190 on 2 discounted icebreaker merino shirts in M&S (medium and small, not the shop). Might keep one or none.
They will be doing a pretty passable impression of a string vest before you get to Christmas. I have a couple of Icebreaker tops and can’t understand why they fall apart so quickly, while Finisterre stuff, frinstance, doesn’t.

Not forgetting that oil is a finite resource, which is still anticipated to run out around 2050?

By whom?

By Mary Fagan, Deputy City Editor12:00AM BST 25 Jun 2000
SHEIKH YAMANI, the former Saudi oil minister, has told The Telegraph that he expects a cataclysmic crash in the price of oil in the next five years.
In an unprecedented personal interview, Sheikh Yamani also predicts that, within a few decades, vast reserves of oil will lie unwanted and the “oil age” will come to an end.
In an interview with Gyles Brandreth, he says: “Thirty years from now there will be a huge amount of oil – and no buyers. Oil will be left in the ground. The Stone Age came to an end, not because we had a lack of stones, and the oil age will come to an end not because we have a lack of oil.”

Was it as funny as this one bikebouy?

God, no!

As a result of the feedback from that thread I stumped up and bought one.
They’re beautifully made, very warm and keep you dry in a light drizzle.
Mine is the lighter weight merino and is good for brisk walking down to freezing when combined with a merino vest. They’re not windproof though and above 5C are probably a bit warm. I’m a sweaty bugger, so too much merino isn’t a good idea, but despite being the go to top for cold dry days it’s never been cleaned and doesn’t niff!
I may get another…

A bit of old inner tube will work a treat…

I would expect a buyer to look up a size chart for the manufacturer to check fitting.

Would you? Manufacturers size charts change over time.
I would expect a buyer to ask for specific measurements with which to compare their existing clothes- pit-pit, pit cuff, collar-hem – that sort of stuff, if the seller hasn’t already included them.