Going down the road of doing it myself does sound interesting if not a little intimidating.

It needn’t be, and you’ll save a fortune in fees. This goes for pensions (SIPPs) too.
The weekend edition of the FT will give you an idea of what’s happening. The Times and Telegraph weekend money sections also have have some good advice, as does http://monevator.com/category/investing/

Later model? Different version? Not a turbo though. A turbo would have another 100hp or so.

Never been clear to me that an ISA is really worth bothering with. The annual charge is likely larger than the tax saving for most people, isn’t it?

Not at all. The annual charge I pay on my Stocks and shares ISA is £45. It saves me far more than that each year and will save me progressively more each year until I die.

A Sandy Denny live album. She was pissed and inaudible. The only truly audible sound she made was falling off her stool.
Titter they did not. I think most of the audience had left already.

You should average about 30mpg, maybe less if in traffic a lot.
If it hasn’t been done already the rear driver’s side wheel bearing will need replacing at some point; I’ve had five Subes and they’ve all needed it, but nowt else!
On the twin tail pipe models check the rear Y piece thoroughly, and the front of the rear silencers. You’re looking at 3-400 EACH for these three items, though cheap copies are available.
Timing belt is 45k , but check the tensioner and (maybe) the idlers have been done. Budget £3-400 for these at a dealer.
Other than that, it’ll be good for a few hundred thousand miles, with no drama.
They are really comfy cars, with the best front seats I’ve ever had. The rear seats fold perfectly flat in 10 seconds. The radio will be shite!
Great cars!

Does it need bleeding?
Full of sludge? It’ll be below the level of the other radiators and maybe even the pipes…

Depends on the owner…

He’s about to do that lizard thing with his hands…

I might be tempted to go for a middle ground decent wooden shed. The log cabin style can be bought for not much more than the cost of the wood, go up quick and can look pretty good and solid.

+1, A timber office doesn’t have to be flimsy and will take less insulating to be warmer than a brick shed.
Probably look better too…

Trust him. He’s done this dozens of times.
Whereas you are a mind changer. Changes of mind cost money!

Decided against fitting winter specifics and just fitted Nokian Weatherproof instead. Haven’t been disappointed, wet grip is awesome. I got mine from Tyreleader/Reifen.

I fitted these Nokians to my cars last autumn, having run dedicated winter tyres the previous few winters. They are substantially better than winters in cold wet weather (ie most of our winter weather, wet, greasy), and not noticeably different in summer. I haven’t had the chance to try them in snow but given Nokian is a Finnish Co their idea of winter/all season is a bit different to ours.
They are a similar concept to the Michelin Cross Climate but are biased towards winter performance while the Michelins are biased towards summer use.

Flat 6 for the win!

http://www.tyres-pneus-online.co.uk/?partnerDomain=adwords.google.co.uk_pneus_online&xtor=SEC-24-GOO-%5BPneus_Online%5D–S-%5Bpneus-online%5D&xts=223987&gclid=CjwKEAjwmf6-BRDi9fSN7Ijt1wUSJAASawcjDTCGZEdZE4gFcNMzbZRzPu480EG6GKxEqRL9gBeqzRoCMOPw_wcB

They’re a similar deal to Mytyres. 2-3 day delivery to you or your fitter.

Yes OP one of the things UK retirees in Spain said during the EU Referendum, they didn’t want to lose access to Spanish healthcare as it was better than the NHS.

Before they voted leave?

I think he’s on holiday…

Go and see the Sea Otters in Carmel.
Cutest critters ever!

Go for it. You’re clearly unhappy with your present situation. Is the new manager responsible for dumping all the extra responsibility/hassle/grief your way?

Are they going to lighten up to mum’s colour, or has she been got at by a Border Terrier?

Absolutely no doubt over my working lifetime property (even without leverage) has massively outperformed pension investments

You’ve got the wrong investments then fella!

Nissan Note?
An old dear I knew loved hers. Room for walker and Golden Retriever. It appeared to be totally devoid of any fun factor though, and maybe bigger than your mum needs.

@suburban in practice very limited imo. Pensions are fundamentally based on buying annuities.

Up until recently that has been the only option. Hence the Pension v Property dilemma.
Times they are a changing; get with the programme grandad!

Also the most significant issue with a pension is your pot buys you a pension with no value at the end, zero.

That’s not strictly true though. You are assuming the pension pot buys an annuity. There are other possibilities…

i.e. you could of contributed hundreds of thousands of pounds and your kids see nothing?

Yes, if you’re silly enough to put it all in an annuity.

Fortunately flooding is pretty well controlled. The Wey Navigation is regularly dredged and the swamps upstream around Elstead make a pretty big holding reservoir.

just finished a six week job at the Oktoberfest getting one of the tents set up.

6 weeks to put up a tent?
D’you want a beer before you start?

Fiat Panda 4×4. Much better off road than it is on road!

and the time before that was in 1967/8

Vanadium Redox Flow…

Do you like early starts, every day?

The Hautboy.

http://www.closedpubs.co.uk/surrey/ockham_hautboyinn.html

I’d be wanting to have a look at the accounts/books as well. You need to know how viable the business is.

I’d be doing this first, before even thinking about the lease.

I’m 28, I’ve seen a number of market crashes now

You’ve seen one, two maybe if you were paying attention from your pram.

Still don’t like the idea of not having access to the cash before I’m 55,

Me neither, so open an S&S ISA and put some money in there to tide you over between your retirement and age 55 or for long term rainy day money. (Also keep some rainy day money in cash!)

No, there’s no need to fear them, but side effects do exist and they’re certainly no fun.
I had muscle pain and joint stiffness on Simvastatin and Rosuvastatin, but could tolerate a low dosage of Atorvastatin.
If you get aches, just ask your GP to change. Most are far more aware than they were 10 years ago.

No, there’s no need to fear them, but side effects do exist and they’re certainly no fun.
I had muscle pain and joint stiffness on Simvastatin and Rosuvastatin, but could tolerate a low dosage of Atorvastatin.
If you get aches, just ask your GP to change. Most are far more aware than they were 10 years ago.

That’s the fella!

Has this ever actually happened to a pension investment? Even if the company managing the investment goes bust you’d still own the investments themselves.

Yes it has, to a very big Pensions Co, a few years back. Can’t remember the name though…

I’d read that it was something like 90 percent of all pension funds, that they are something like 400 odd Billion in the red.
What do you mean by a pension fund being in the red?

Yeah, you’re not wrong. There was an article in the FT yesterday about several Blue Chip companies with between 20-50% pension pot shortfalls, which they have little intention of addressing, preferring to keep the dividend at unsustainable levels.
Maybe it’s in other papers too, as you won’t get nowt if you dont’t subscribe to the FT…
http://www.ft.com/cms/s/0/a0cf5e4a-7980-11e6-a0c6-39e2633162d5.html#axzz4KJ7reEmB

This is interesting too..
http://www.bbc.co.uk/programmes/b054qct9

Insert a smiley. 😯

Sounds like he needs to prioritise buying a house with a bigger driveway.
He’d probably have more room inside so he’d be able to hang his suits in a wardrobe and not the back window…

For what it’s worth, we’re next to a wood and the back garden drains very badly, to the extent that the area that doesn’t get any sun is only ever dry during mid-summer and actually had marsh grass growing in it over spring.

Is it on clay?

Subaru Leggy spec B

Save yourself a few quid too.