Is it definitely the bulb itself, not aim or function?

Are you sure you put them in square? I’ve put them in wonky before; I’m sure a lot of people have. They’re not idiot proof…

I could’ve sworn that last time I changed a headlight bulb (some time around the end of the last Ice Age) that they were keyed so you couldn’t do that. Has the design changed or am I misremembering?

POSTED 11 MINUTES AGO # REPORT-POST
Access to the back of the light has often worsened, so one often has to fit the bulb by feel.

My point is that if you look at your statement and see a 15% rise in the last few months, that’s not your brilliant advisor / fund, it’s just an artefact of the devaluation.

That’s clearer. Though it could be argued that foreign funds are being held as a specific play on the squid.

Also worth doing you analysis in $ as post Brexit the £ has devalued 15% which makes overseas funds look 15% better, when in actual fact your purchasing power hasn’t really changed….

How did you work that out?

I haven’t been there for 40 years. Time to re visit I think…

My main reassurance was that the additional instalments will be on exactly the same terms as my original plan, which is currently worth £57k after 80 monthly payments of £500. I am not sure if my calculations are correct, but I make that an average return of 9% p.a., which seems ok to me.

Does this take account of your tax “refund” and employers contribution?

Finally, he explained the charges were an annual charge at 0.25% for the pot value, plus 3% of each contribution as paid, equating to around 1.6% p.a. over the life of the plan.

With HL, etc each new investment will cost you about £10, or less if a regular payment. It mounts up…

Ok, but a question: as a Director of a Limited business I can get the business to ‘invest’ money straight into my private pension (saving tax, NI, corp tax etc), but wouldn’t money into an ISA have to go in from my net?

Yes, but you can’t access your pension until you’re 55. You can call on your ISA at any time should you need to, totally tax free.
The govt is unlikely to monkey about with ISAs, but they seem to move the Pension goalposts willy nilly.
As usual, diversity is the key.

A 50% ish return over 5 years taking their advice. Yet if you had invested directly in St James Place shares 10 years ago you would roughly have tripled your money.
They’re doing alright.

average growth over 10 years of 5% pa

I’d be pretty disappointed with that, but I’d be even more disappointed with nowt over the last year. We had the Chinese wobble this time last year, but since Christmas it’s been pretty damn good!

I think I might just have to start paying up front for some of that advice.

Maybe. There is a growing trend towards IFAs making a one off charge for advice, rather than an ongoing percentage.
The next stage might be to see whether your Wealth Manager’s selections have been doing the business, and look like they may continue to do so. They’re not necessarily the same thing!

Car is still more or less the same as when I got it inside.

Inside what?

I got some cheapish artificial grass when our local B&Q was shutting down, there was enough on the roll for all the footwells and the boot of our V70!

Now there’s an idea! 😀

They’re one of the more expensive wealth managers, to be polite…

If you want some top class opinions, of which one, unlike here, might be right, go to

http://forums.moneysavingexpert.com/forumdisplay.php?f=17

No, he didn’t mention exit fees at all.

They may not be payable…
If you go to https://www.charles-stanley-direct.co.uk/Our_Services/ f’rinstance you can check your funds’ charges if, as they probably are, dealt with by CS.

If you search for your fund in the “search” box you may end up with a screen like this:

https://www.charles-stanley-direct.co.uk/ViewFund?Sedol=0601492&Isin=GB0006014921&PreviousSearchResults=%2FInvestmentSearch%2FSearch%3FSearchText%3Dbaillie%2520gifford%2520japanese%2520smaller%2520companies

Click on the “Documents” tab and you will see a “Key Investor Information Document” box.
Click it and read the charges for that fund.
These are in addition to your wealth manager’s fees. Some have entrance charges, some have exit charges, and some have performance fees, but they all have an annual ongoing fee. The big brokers can cut a deal with the fund managers, removing most of these. Investing can get expensive with the wrong manager. It’s not St James is it?

Take her up the Thames.

Check out AJ Bell YouInvest too. Other people will have further advice. Typical charges for a SIPP are 0.25% – 0.45% pa plus the fund charges. Due to buying in bulk they can usually eliminate entry and exit charges (Often 5%) sometimes paid by retail investors.
Did your advisor mention these?

If your dog catches a grass snake you might wish it was an adder. Grass snakes’ defence mechanism is to release the most ‘orrible niff known to man. My Jack Russell loves it and will spend a while rolling on the snake before she kills it.
It takes a few days to wash out.

And how much is the ongoing charge after the 1st 5 years?
If you know where you want to put the money (though just one fund is daft!), can you not do it with Hargeaves Lansdowne, Charles Stanley , etc?

There but for the Grace of God go I…

Bikes and kids don’t half wreck a car!

Add dogs into the mix…
My two did more damage to a mercedes E300 in one month than they did to my Forester in ten years!

I buy 8-10 year old prestige cars fitted with engines that use above average fuel from private sellers and only buy cars that are pristine from people who’s home is also pristine – ie: people who don’t penny pinch. I was taught to buy the seller over the car.

+1 !
Nice people sell nice cars.
Every few years I buy a 10 year old Subaru for a couple of thousand pahnds, cash. Thirsty, but I’ve had to pay bugger all for repairs, virtually zero depreciation, Very comfortable, highly practical, etc, etc…

A pious? They’re for self regarding do-gooders.
Get one of these instead:
http://www.autotrader.co.uk/classified/advert/201607206009261?search-target=usedcars&make=honda&model=cr-z&price-from=500&searchcontext=default&radius=1500&page=1&sort=locasc&postcode=gu72ra&onesearchad=new%2Cnearlynew%2Cused&logcode=p&adPos=9

Spotted a rat on our patio this morning. As we have two cats…

You need to remind them of their purpose in life…

Those car door/boot protectors that were supposed to look like the fingers of someone trapped in the car

They had a brief hayday. How the F… did you remember them? Trap your own fingers in the door and everyone took the piss?

Its the pair on the rocker link where the shock connects to it that are worn.

Aren’t they bushes?

can’t be, he’s not on trail

yet,
and Bruce for one

Pike RC is another one along with early Pikes that are mysteriously advertised for the same or abit more than they were widely available for not too long back.

1 1/8″ steerers? No surprise the price is going up. The supply is going down.

Denis the angry man… 😯

Good spot, Epic!

Come the winter I practically live in my Showers pass skyline trousers, not exactly totally waterproof but they breathe really well so it’s a trade off that works for me

These work for me too. Great trousers with waterproof ankles/calf,and front of thighs/crotch. They’re warm but not too warm. Mudguard still recommended though.

Always Riding stock them in the UK, amongst others.

The dished ring/spider is for the RS8 – the RS7 is flat iirc.

That dished ring is the reason I never used the HT2 middleburn stuff. Expensive to replace and gopping!

OP, shell out for a spider and use Surly rings. They last forever!

Why not bus it? A better choice of small places to go, and locals to talk to, not people too busy to talk as they’re going somewhere to do “important” stuff.
Your back might not thank you though…

I agree. All those things that “might come in handy…”
Bin ’em, or Charity shop them. It’s cathartic!
If you want to Ebay them, start low, and start 6 months in advance, otherwise it’s just hassle you don’t really need.

I’m with onzadog, I do the lot.

Same here, and use some decent bearings!

Bay windows?
Means sash windows?
Any decent chippie will have them in and out within the hour. It’ll take you longer to faff around and argue where you want it.
Double glazing may also be as quick.

Just leave them under the flowerpot by the back door.

If you’re suggesting £1550 pcm for a half million pound property, that doesn’t sound right to me or it’s not a great rental location.

That is about the going rate in Surrey (3-3.5% yield). I’m not sure where the OP is.

I’m not sure I’d want to live next door to my landlord.

Off the top of me head she’d be paying about a grand a month in interest and getting £1500 ish rent .
Seems like a goer if it’s in a high growth area.
What trainline is it on?
When interest rates go up you could be clobbered though…

My question is do they have a right to see accounts etc just to check nothing underhand is going on ?

No!

ASk on http://forums.moneysavingexpert.com/forumdisplay.php?f=217

You’ll get the same number of answers as on here, but at least one of them will be right.
Keep Pedaling…