Yeah, down from about 1200kg to just over 900kg. Different front suspension and subframe. Different rear axle and suspension. Racing fuel cell. Smaller and lighter batteries. Light weight spoked wheels. Aluminium bonnet, wings and tailgate. It all adds up.

Fun!

iWeb are cheap. £25 joining fee for everything except SIPPS and then no more custody fees for shares or funds. £5 dealing fee per trade. They’ve improved their website and the research ain’t bad. You can still use HL or other sites for your research if needed…
HL costs nothing to join though their trades are expensive as are some of their custody fees.

The whole car is about 300kg lighter than original too.

😯

How? A 25% ish weight reduction from 1100kg to 800kg?

Beers found, drunk.
Heavy legs falter
On last climb…

Pics?

Bland Eurobox, Anyone?
http://www.bonhams.com/auctions/24118/#/aa0=6&MR0_length=10&w0=list&aj0=lot_number_asc&m0=0

Just back from a cycle with an old mate. Half way round we chanced upon a small brewery in a farmyard. We stopped for a quick half, yet only had a tenner and no change.
“No problem, just drop the money in next time you’re passing!”
which will doubtless be quite soon…

suburbanreuben’s pic:

Thanks Jamie! Picasa were playing silly buggers. I’m now a little worried you may have access to my private collection….

Chuffing ek, the Alfa Winz… (looks like a Junior anyway)

Beautiful.
Thanks! It is a 1600 GT Junior. Needs another 50 hp to make it properly quick, which it will be getting next winter, keeping the original engine. Still enormous fun on Sussex’s deserted roads. The A272 is a peach!

Those two car loads will end up being passengers claiming your wife drove into the back of them….

Next time you see them they’ll all be wearing neck braces.

IANAL but I was under the impression that if there is no will then the kids are first in line to inherit, unless of course your dad had transferred his house and assets into the witches name or joint ownership.

I think it’s definitely worth seeing a lawyer, if you can find a specialist in the field who gives a free initial consultation.
You’ll get some good advice over on moneysavingexpert.com , wills, probate etc section.

Worth doing in respect of different funds, but as I understand it, not fund supermarkets, eg, HL. If they were to go down, you still own the funds. I’ve put everything through one, to benefit from reduced fees.

Yes, you still own the funds, shares , whatever, but retrieving your capital may take a while…
Splitting your investments between providers will only cost you a few quid more pa. and increase the likelihood you can access at least some of you dough should the shit hit the fan, cyber attack or whatever. (If you have everything in HL, then removing half will probably save you money. )

Slight thread hijack: I’ve got my investments with a fund manager. Problem I have is their web site is utterly confusing and they don’t have a chart that shows the value of my investments since they started.

Charles Stanley offer a “fantasy portfolio” facility, for non customers too, I believe, which will show a chart of your investments’ performance. Default timescale is 5 years but you can alter the timescale to the day.
Most platform providers will show a percentage gain since purchase..
“Fund Managers” may be deliberately obfuscating…

Its just easier if credit card is same as bank.

Not necessarily. A few years back Co-op’s systems went down the day before the missus’s birthday….
An alternative source of funds would have spared more than a little grief.

Handelsbanken.
A swedish bank that has a few hundred branches in this country. It’s run the old fashioned way; if you want a loan you polish your shoes and go and see the manager…

A few months ago I’d have recommended the Co-op but it’s website is shite, and the sharks are circling. It’s unlikely to keep it’s ethics intact.
Credit Card – Aqua. 0.5% cahsback on purchases. I have an idea Tesco may be higher , but in vouchers.

I know everything should be covered by the FSA etc, but I’d rather be safe than sorry…

Even covered by the FSA or whoever, any compensation isn’t going to be instant. I seem to remember it took about 6 months when the Icelandic banks went tits up.

I’d be genuinely surpised if by the time we retire, the state pension isn’t 100% means tested ie if you have any private provision, you get nought….

I’d be surprised if it is. The grey vote is only ever going to get more powerful.

unless we have a couple of cold snaps…

Obviously it ramps up quickly with age.

Does it? It’s not flat rate for the life of the policy?

What socks are you wearing? How are your nails trimmed?

If you go down the diy route its not worth buying less than say 2k, dealing costs are 10 gbp and stamp duty is 0.5%. So as above my 100 rdsb cost me 2k, 12.5 dealing fee 10 gbp stamp duty, thats the first 24p of any increase lost in fees.

I wouldn’t agree. Whilst you will lose a greater proportion of your initial investments in dealing charges, and yet more in the spread, if you can only buy a few hundred quid’s worth, and you prefer to buy individual shares , then do it! We all have had to start somewhere!

To the OP, check up on last weekend’s editions of the Telegraph and Sunday Times, and probably each weekend until the new tax year. They always run ISA investment guides and have a few solid tips for Funds and Trusts . Get a months subscription to Motley Fool or Investors Chronicle, usually free as a taster, and see what they are advising.
It really isn’t worth keeping cash in an ISA, as you will get better interest rates outside an ISA. Equities will appreciate quite nicely thanks, and you will soon begin to appreciate holding them within an ISA. Resist the urge to meddle, even if you see 20% wiped off their value the day after you buy them. You’ll get it back! Keep some cash in case of emergencies.

iWeb charge £25 joining fee and £5 per trade, with no other holding costs. They have improved their website and the research aint bad.

His mum will either put him on the naughty step for bad manners, or write a strongly worded letter of complaint to Robot Wars.

He’s not too big to be put across her knee, either!

And no pudding!

Get on the waiting list sharpish. My daughter wasn’t allocated our school of choice but we went on the list and she was allocated a place during the summer holidays, when parents have to either accept or decline an offer, despite our being ten miles away and other good schools being nearer.
It’s a bit of a merry go round…

The FT.

This has been a week now and several follow ups have achieved nothing.

Just a week..?

You can’t wear a topper on the circle line.
Hammersmith and City line though…

A chap near me uses a Bob Yak with a fabric cage instead of a baggage, er, bag.
It seems to work well. Dog runs free across the commons, but, at a whistle , jumps in for the road sections, hanging his head out to let his ears flap around in the breeze. (Little cockerpoo).

2.Sis in law number one.

Oh Yes?

Allow any car plenty of space. You only get doored once…

Avoid anything with wheat in it.

Lily’s kitchen is popular with my two.

Oh shit, you’re too old…

Honda Jazz. They do a quick one now…

I’d get the mortgage sorted first and only then think about shifting bank accounts

Seabreacher X

Want!

Saying that, there’s a big difference in fit and finish between a WRX, Forester and a Legacy. And none of them are tail happy “fun” cars.

I dunno; a 22mm rear arb on a Forester makes it pretty tail happy. 20mm will make it pretty damn neutral. The Foz definitely has a more hard wearing interior than a leggy. I had mine ten years, toting dogs, logs and sprogs. Cleaned it up before selling, at fourteen yrs old, and it looked good as new!

Hl transferred a small paper shareholding ( c £2k) to my trading account for free. Phone your platform provider and ask.

I won’t be paying him, he loves to talk money and investment strategies on any night out

Buy BEER

but for long term investing then have a look at which companies give a good dividend return.

Careful with that plan. There may be good reasons why their yield is high. Look instead at companies with good dividend growth.

Oh, and a Forester is the only car I’ve had where my Jack Russell can look out of the back window without needing a ladder.

So your ‘need for speed’ will only really be fed by the odd blast up the motorway slip road or shooting off from the lights or something like that.

or a nice twisty B/unclassified road coated in mud and shite…

It’s longer. The Forester is taller.

But the Forester is longer than a Berlingo. I think the Forester has near ideal proportions for a load space, though the rear struts are a little intrusive. Rear seats fold in 5 seconds to give a perfectly flat load space. The front seats are more comfortable than anything you will ever have sat in, oh, and my S turbo was cheaper to insure (and run, as I found out) than the Berlingo that followed.
Bugger it! I’m going to sell the Outback and get another Foz!

I’ll back them up. My wife is also a teacher and through her union gets Wesleyan financial advice for free and over the years its been invaluable.

Their advice is top notch and the advisor we had became a friend really. We’ve got money invested in their ISAs which give a LOAD better return than any ISA available on the high street as well.

I think you might want to check that…

As above, use one of the online platforms (HL are very good but it bit more pricey than some) iWeb have just improved their site and make a £25 a/c opening charge, and then only £5 per trade.
Read the weekend money pages, and you’ll soon get a grasp of the lingo. Read the FT. It doesn’t talk the bollox you usually read regarding investing. John Authers and Merryn Somerset Webb are particularly worth listening to.
Work out what your risk tolerance is by making some small initial investments. Getting started is the worst bit. Having 10% wiped off you portfolio (AS will surely happen at some point) before you’ve made any significant gains will really test your nerve. When you’re already well ahead it’s tiresome rather than catastrophic.
Resist the urge to meddle. Buy and hold!