Presumably the old spaniel was top dog and the JR knew it. Now she’s old and weak the JR wants that position. THey’ll soon work it out and peace will be restored.

I’m confused…
Your dog started attacking their older dog?
Their JR started attacking your dog?

So the JR gets the push…

Jack Russells are very loyal and protective of their “family”, which now includes an infant. Has it ever shown any aggression to the baby?

It would seem the problem is your dog, not theirs…

Vision Express are expensive compared to others plus as footflaps says the express bit is no longer relevant. Last lot of glasses I had from them took 5 weeks for the usual ones and 7 weeks for sunglasses.

My specs took three weeks at Vision Express. The local independent I used last year took 3 days…

Lesson learned!

you can’t even see the nearest neighbour yet not so long ago in he wandered with two cat fangs embedded in his cheek and jaw and a week later lost one of his own.

POSTED 2 MINUTES AGO # REPORT-POST
Proper cats! Not like these Norwegian Blues…

Buzzards are big buggers but they’re bloody useless at take off and landing.
I doubt very much they’d be able to catch a cat even if stationary. The cat would hear it coming from miles away. As for take off; I’ve seen one struggle with a dead squirrel…

Want that one!

Well is is actually a 1980s house with plasterboard ceilings

Even more reason to spread the load…

Tidal flow is the future. the scottish government does not quite get the green thing and don’t have any significant money to invest. No way weatminster will invest. A real shame as we have some good designs ready to go and the infrastructure in place for distribution.

Meygen, Europe’s largest tidal flow scheme, in the Pentland Firth is already up and running at a reduced initial capacity.
http://www.meygen.com/

It’s quite useful to judge their lifestyle, ie: buying from a person with a pristine house, which other pristine cars is a good sign that they look after stuff.

+1,
and do you like the seller?
Nice people sell nice cars!

What’s important is that they share the same morals, values and destination with you. Vote for that party.

Mine are shared roughly 1/3 each by Labour, Tories and Greens.
Who should I vote for o wise one?

Not Town and County. 5 years old with 12k miles. Will be fully serviced inc all filters as part of purchase.

Probably its first service.
Any stamps in the book?

Not forgetting Colcannon…

So do you have your refund, or are you still waiting….?

Abbyssinian Tripehound?

How on earth do they manage in all those other countries where no party ever has a majority in government? Supplementary point: is it right that a party has a majority in parliament and so can do whatever they like on 43% of the vote?

Like Italy? 11 governments in 13 years, or Belgium with no government for 18 months?
https://www.washingtonpost.com/news/answer-sheet/wp/2013/10/01/589-days-with-no-elected-government-what-happened-in-belgium/?utm_term=.7741f855d570

Nope, but I’d have thought that usually it would be best practice to put on the same rated tyres that were on previously.

So if they were Z, or Q?
Why not just phone Ford and find out?

I’ve just had some new boots fitted to my 2004 Ford Focus 1.8 … …the ones that were taken off were V-rated.

I doubt these are the original tyres…

Felco No2. £48.99
http://www.garden4less.co.uk/felco-2-secateurs-original.asp?partner=fr&gclid=CjwKEAjwja_JBRD8idHpxaz0t3wSJAB4rXW502Pn8DqrODHe12_2jq2Qz3H_UwVXIFuXkzFHxtF16xoCviXw_wcB

Do the 5 and 10 yr deals have redemption penalties? Are you likely to want to move? Are they portable? How much more are they than the 2 yr?
If I was staying put I’d be inclined to fix for as long as possible.

Did he talk you through the pro’s and con’s of a joint will? I bet you could just as easily find a lawyer who thinks they are a bad idea.

Woould you find one that thinks a joint will a good idea?

OP, as said above, if you’re only putting your life insurance/assurance in trust, the provider will do it for free. You just need to sign the form. Your life insurance will then lie outside your estate, and not be subject to Inheritance tax.
Is this will writing chappie a solicitor, or a charlatan?

I was sent to boarding school at seven. I hated it. Far too young, and lasted a term.
Went again when I was thirteen and loved it! Probably because it was mixed sex. Friends who went to single sex public schools emerged warped and bitter, but with the right connections…

Had this visitor in my garden a couple of weekends ago. We get them every year, but he seems to be about a month earlier than normal…

You need to report him to these people. They may bring him a lady beetle…

https://ptes.org/campaigns/stag-beetles/

Our springer (bitch) barks like a loon when someone comes to the door, and also has a habit of taking against anyone or any dog we meet, unless very closely controlled. I’ve heard there’s a tendency for springers to do this. Maybe it’s just confirmation bias.

We also have a lab, who just wants to make friends with everyone/thing he meets.

So I would be a bit wary of a springer.

We meet plenty of both out on walks. I’ve never met an aggressive springer, but plenty of aggressive labradors. Most are friendly, but a surprising number aren’t…

Standing up? Sitting down? Pedalling? Not pedalling…

Because common sense and looking where you are going will really help if your house is burgled or burned down, or you are ill on holiday.
And if you die, I’m sure common sense will pay off your mortgage too.

You’re really scratching for reasons to be insured…

nealglover – Member
If you really believe that, I presume you never buy travel insurance, home insurance or any other insurance that isn’t a legal requirement ?

No, Never. A bit of common sense and a tendency to look where I’m going removes the need.

Despite 2015 being the highest turnout since 97 it still meant 33.9% of people did not express an opinion

And they’re the ones that grumble the most.

I used to have a choice of votes. The constituency boundary ran through my dining room. I could only vote once but could decide in which constituency to vote, Jeremy Hunts, or another tory stronghold.

We moved house last year and had a mammoth clear out. All my tools and “might be useful” timber went to a mate who is doing up his house, surplus furniture and stuff to auction or Ebay, and a couple of dozen trips to the dump.
We did bring some plants and seeds from the old garden, and were going to bring the hedgehogs, but they were hiding.

It feels great, getting rid of all the crap from modern life!

That would be supply and demand, it doesn’t address a lack of cash in the market.
It’s not the nailed on certainty it was, the people saying that the most seem to have the most to loose from it

Here on Surrey/Hants/Sussex borders there is a dearth of properties coming to the market. Those that do are optimistically priced and stay unsold. There is an increase in ex BTL stuff being sold by disillusioned “landlords” even before the new legislation starts to bite. When it does, and if there’s a rise in the interest rate, that trickle will become a stampede. Until then, buyers seem to be sitting pat.

My sister has offered on 4 houses in Hampshire (Salisbury/Winchester/Southampton area) and 3 of them have sold above the asking price. She is a cash buyer.

Did she get the asking price for the barns in Devon?

If prices had risen would you offer to pay more?

Probably not, but someone might, or the vendor may ask for more…

Why not. You can always ask if you think the house isn’t worth it. The vendors can either say yes or put the house back on the market. Nowt wrong with asking asap, or you could be a complete **** and ask on the day of exchange…

Where in the country are you? Housing markets differ nationally. There’s sure to be someone on here with local knowledge.

TBH I’d prefer to get a man in but am struggling to get recommendations from pals.

Use the one the shop recommends.

7. ‘Ever since they started to offer free coffee in here it has been like a bloody soup kitchen.’

Very close to the bone. One of the reasons I don’t shop there anymore. That, and the FT being excluded from their free paper offer…

I only ever go in there for Cavolo Nero.

“plenty of ISA millionaires”? 20 years of about 10k subscription = 200k over a period when the ftse has been up and down

More than a few…
Of twenty years,there have been seventeen years of gains? but Joe public only hears about the losers. Houses, though, are always winners!
The rest of the world has changed a bit…

Why would you not isa up income stocks, a higher rate taxpayer pays 32% on divis above the nil rate

As the Captain says you need a substantial holding to pay tax on divis. I’m retired, earning nowt, so my divi allowance is substantially more than i can ever need. CGT is a different matter. It only takes one “lucky” share to use up a good whack of the cgt allowance . THat’s where Bed and Breakfast/ISA comes in

I follow lord lee of trafford, the first isa millionaire.

The Treatt queen?

Even now you’d need about 70k invested to reach the (newly reduced) 2k dividend exemption, and the actual tax payable on say 150k is only a pittance (3% yield = 4500, 2000 exemption and 10% on the rest is 250 quid isn’t it?). Fact is, it’s not hard to avoid paying significant tax on investments of this sort of size, and it would take decades to shelter anything much larger.

Regarding dividends , then yes, it doesn’t make sense to keep income shares in an ISA, but growth stocks are a different matter. It might not make sense to use an ISA in the early years but after 2, 5, 10, … years it suddenly makes a lot of sense.
UK small caps have put on about 20% since Christmas. Euro small caps look to be taking up the baton…

Picolax cut with sherbet?