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Over the last 5 years the fund has had 15-20% in cash, 35-40% in bonds, and 40-45% in stocks. I definitely think those percentages are too conservative, and could do with a decent chunk more moving to stocks.
I'd question why, at the age of 34, you'd be recommended to have any in bonds (other than somewhat arbitrary portfolio diversification), let alone in cash.
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Finally got round to doing some remedial groundwork.
As the office is below ground level (to give me an extra 20cm height before hitting planning restrictions), I dug down and left a retained path around the outside.
Because I like to half arse things, though, I did not leave enough space between the retaining sleepers and the base of the office, meaning
- there was a lot of backsplash when it rained,
- there was probably not enough airflow, and
- I couldn't reach under to chase through any cables, which I need to provide ethernet to the office tidily.
So the weekend was spend digging in cramped spaces. Three lots of this sort of thing:


- there was a lot of backsplash when it rained,
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I love the app since starting to use it a few weeks ago.
I do have a dev request though.
I would like to have the ability to send a message to myself.
I do this so that I can upload images as attachments, then embed those images in posts inline elsewhere (which you can't do directly with attached files).
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This isn't strictly true.
The Companies Act 2006 section 172 covers the "Duty to promote the success of the company".
(Even in the US, it isn't true. There's a good Stackexchange answer on this that in have bookmarked somewhere.)
Making money is not mentioned.Part (d), however, describes a duty to consider " the impact of the company's operations on the community and the environment."
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https://www.seriouseats.com/scandinavian-street-food-danish-crispy-pork-cracklings-recipe
It's the cutting into strips before cooking that has done it for me. Also salting and drying in the frideg for a day or two.
This. The odds are set so that the bookmakers maximise their gains, irrespective of the actual outcome.