And what does a car broker do, pray, for their piece of flesh?

There used to be a great boozer in Lower Marsh. I believe it has now changed it’s name to “Camel and Artichoke”. Sounds dead poncey.

http://www.camelandartichoke.com/

Scotch bonnets and guiness.

Three raw eggs with the freshly squeezed juice of three oranges. Eggs need to be properly blitzed to get rid of the stringy snot.

If you want to be cautious no more than £75k in any one bank. Do not be duped into ISAs or other savings products. Look at 6-9 month term deposits (note you cannot withdraw early without penalty).

Short term,up to 6 months or so, these protected limits are increased significantly, recognising that ornery folk will occasionally have all their dosh in one account.

http://www.fscs.org.uk/news/2015/july/new-protection-from-today-for-temporary-high-balances/

As Jamba says, ignore cash ISAs. Their rates are pitiful.

Santander 123 £60k (one a/c each and a joint) at3%, Lloyds club £5k each at 4%. Other higher interest a/cs are available but for pissy little amounts. Al Rayan bank has some of the best interest rates available, 1.5% on a 120 day notice a/c.
As said though, premium bonds are worth a punt and NS&I accounts are the safest you can get bar none!
You can pull your money out of PBs and NS&I a/cs instantly; instant meaning a couple of days…

I never get understand why Builders dont ask for a deposit. They may have accounts but if the Client is a poor payer, then the Builder is going to be out of pocket. I think a deposit is reasonable, but not 50%.

You get a feel for people. I was a joiner for 30 years, mainly for private clients. In that time I only had two non payers, funnily enough both named Watson, but unrelated.
If I didn’t like someone, or didn’t trust them, I didn’t work for them.
If I misjudged them and they turned out to be slow payers, then I didn’t work for them again.

No.
I might have asked for a small advance if special order, non returnable materials were being used, but otherwise I wouldn’t ask for anything until a significant portion of the project was completed. 50% up front is taking the piss, and would indicate that cash flow might be an issue, to the extent where they’re expecting full payment before the build is completed.
Get a different builder; they’ve blown it!

with Philippa?

If you’re starting from scratch then “The Naked Trader” by Robbie Burns is a good place to start learning about buying and selling shares. It has some basic strategy but also deals with the mechanics of investing, where to hold your investments and other handy hints.

http://www.landlordzone.co.uk/forums/

http://www.arbtech.co.uk/ did a survey for a neighbour near guildford.

Once I have it in my clutches…

Probably been worth checking before you bought it…

Haven’t bought it yet…

Cheesus wept…

Forester XT.
I bought mine because I tried, in my Rover Vitesse, to keep up with one over the South Downs on a wet and drafty day. I failed, but the Labrador in the Subaru’s boot had the cleanest balls in Sussex.

The restaurant is the sticking point.

And how much do you think that is knocking off the price?

Reduce the price by £40k and you might get two investors having a fight over it, but I doubt it as they all spent their pocket money in March.
It’s Leatherhead, not Oxshott…

The agents details are somewhat outdated. I last saw details like this in 1990.

Wanna get ahead, get a hat!

The power of sugar!

Cut the bamboo high so he can’t kebab himself.
He’s done his tadpole deed. Just hoping he doesn’t get eaten by the missus.

Masterbati in 4.
My hand, boys…

.if there was a drug that made you feel like that I’d buy a **** bucket of it.

I was rootling around a wheel barrow full when this happened; so were the shed…

Flogging’s too good for me…

http://www.ebay.co.uk/itm/Fantic-Chopper-1973-/152165141635?hash=item236dbfcc83:g:TmkAAOSwmtJXXjD7

I’d skip the Hadleys if I were you. I tried to buy a set from NWMBC a couple of years ago but they weren’t in a great hurry to get them in the post. I can’t imagine they’d be in a great hurry to post out spares either, and they are, I believe, the only place in Europe that stocks them…
DTs on all my bikes. Fit and forget.
Ran Hope on my only bike for 15 years. Never needed to touch them.

We had concrete 6′ posts out down on soil. Was £150.

This, we used cosmetically rejected concrete fence posts @£2 a time for a shed base.
Levelled up with broken tiles, jobs a goodun for less than £20. More for your long one though…

Leave it in your bank. You could lose a sizeable chunk of your deposit.

The Missus initially lost her licence as a result of having seizures every couple of months for about 15 years. Once she was fit free for 2 years she could drive again and did so for 10 years.
A couple of years ago she had a massive triple fit out of the blue, so lost her licence again. As it was an isolated seizure it was thought she would get it back after 6 months, but her neurologist was playing it cautious as knowledge of this stage of her condition was extremely slight.

We paid £110k for it, and the best sale price l can get is currently £95k. Ok so the mortgage paid by the tenant has reduced the capital a bit, but property hasnt gone up round here. We bought just before the financial markets collapsed in 2007. Bad timing

I’m confused; in 9 years you will have repaid a fair chunk of the capital, surely?

Interest is approx £350 a month. Rental income is £500pcm. I’d have to pay out an additional £1500 a year to cover the interest.

Que?

Presume the star ratchet upgrade on the DTs is essential?

Not at all. I’ve had a singlespeed DT240 hub for many years. Never felt I was missing anything by having less ratchet teeth.
I had a CK SS hub for a while on another bike. The difference was very noticeable but the advantage slight.

For the first eight years of his life my Fell Terrier caught absolutely nothing, nor had any desire to do so. Then last year we had a Rat infestation and he caught a good few dozen, mainly by lying dead still for hours on end. They’d run past him and Whumpf! Deaded. He felt guilty about it so buried them in the flower beds.
My Jack Russell would dig them up and ponce around trying to take the glory. Sandy and stiff, it was obvious. I think she felt cheated as her whole life is devoted to death and destruction.

but a cat isn’t like a pedigree dog is it ? Not really a companion ?

woof…
I mean oof…

I’ve had 4 or 5 stents. They worked for a while but I eventually needed a bypass.

They’re worth a go though; in and out the same day.
This may or may not be you the next day…

Tiny little roast spuds, Maris Piper, cut into 2.54mm chunks, parboiled until they’re nearly falling apart, then slow roast in walnut oil at 150C for an hour and a half or until golden brown
Meanwhile…
Boil up some Puy lentils.
Slice up three peppers, red, yellow and green and fry with onions and garlic. Add the Puy lentils, a tin of tommies, or fresh, and two teaspoons of Pimenton, or other sweet smokey Paprika, and oregano to taste. When reduced to texture of porridge, remove heat, add chickpeas and allow to stand for ten mins.
Serve in bowls with roast spuds on top and sprinkled with roughly chopped Coriander.
The veg should be ready and waiting for the spuds, not the spuds waiting for the veg.
You could add some slices of Chorizo if you’re hungry…

We are not talking about combing we are talking about “stripping”

I was talking about regular combing as an alternative to stripping, yet you seemed to be accusing me of being cruel so as to gain the whole “terrier experience”.

You may choose to ignore your dogs discomfort to tally enagage with the whole terrier ownership thing but in reality the vast majority of terriers are pets, why put them trough the pain of this other than to satisfy you.

There’s no pain involved with a regular comb.
I still have my fingers as proof.

At our old house we regularly had a stunt pilot practicing right above us. It was interesting for a while but became a pain in the arse. Someone told me the pilot was an 86year old grandma and it became a worrying pain in the arse…

You have to ask?

One reason the City won’t be going German…

I have a Fell Terrier (a Lakeland variety) , and find a good comb with a fine comb, forward and back, a couple of times a week does the trick. He loves it, especially in the summer when his coat gets full of seeds.
Don’t clip ’em whatever you do. It looks orrible.

Fry a bulb of garlic, each clove thinly sliced, and a couple of chilis, again thinly sliced in plety of oil.
Just as the slices are browning off remove them from the oil. Fry your courgettes, halved lengthways , in the oil until golden brown . Remove and sprinkle with the garlic and chili slices together with chopped mint.

Enjoy…