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Added: LFGSS Skinsuit Medium. Worn Once for a hillclimb. Perfect for Hillclimb season. £50 SOLD

Rapha Skinsuit Proteam Aerosuit. Medium. Worn a handful of times and always washed straight away. £50 £40

Added: Handbuild Harry Rowland Ambrosio Nemesis Tubular Wheels Shimano 11 Speed. Veloflex Tubs Attached. £125

Super smooth wheels which have only done dry mainly race miles (Never crashed). Can take better photos if there’s interest. Veloflex Roubaix tyres. One has a slow puncture, both need re-glueing. I can also throw in some new Vittoria Tubs (Unused).

SOLD

Still Available:
Rollers for sale like the link below for Pickup from Richmond, London or can deliver to central possibly. Hardly used. Useful for race warmups but not I'm racing these days. I'll take some photos if there is interest. Seem to be around £135 new online.

£75 reduced
£70

https://www.kurtkinetic.com/trainers-products/kinetic-z-rollers

Added: Handbuild Harry Rowland Ambrosio Nemesis Tubular Wheels Shimano 11 Speed. Veloflex Tubs Attached. £125

Super smooth wheels which have only done dry mainly race miles (Never crashed). Can take better photos if there’s interest. Veloflex Roubaix tyres. One has a slow puncture, both need re-glueing. I can also throw in some new Vittoria Tubs (Unused).

It’s probably worth getting down to below 40pc loan to value because the mortgage rates tend to be lower.

There can be situations where the deposit rate is higher than the mortgage rate. Eg currently Hsbc is 1.79pc mortgage, atom is 2.3pc 2 year fixed deposit. So pretty much risk free gains to be had. Borrowing money to speculate on the stock market is effectively what most people do with pension contributions but it depends how stressful it would be and whether you can hold your nerve when the next market crash happens.

Sickening and shocking but given the driving standards not surprising.

Is it not as simply as speaking to the DVLA registered owner of the vehicle and see if they match the driver or explain who was driving? Or am I missing something.

The rules around IR35 are so vague and open to interpretation I don’t think there is such thing as a definitive answer. HMRC has recently been defeated in the courts and told it is interpreting its own rules incorrectly.

In effect it’s whether you are in reality an employee (Employment rights, wage the same, working practice the same, etc) or a dispensable resource used on an ad hoc basis by your client/s. If you don’t have the benefits of being an employee why would you go inside IR35.

Watched the David Attenborough documentary last night, and what struck me is that we each need to be responsible for our own carbon output and how we can individually reduce it. One idea for how I can help is trying to get more people onto renewable energy so below is the referral link for bulb, which you might have seen, or already be on. But a slight twist I’ll also give you my referral bonus, so you’ll get £100 as well as cheaper and renewalable energy

https://bulb.co.uk/refer/davidm3082

Looks stunning and nice work with the snaps. I’ve got the same frame but haven’t ridden it as much as I should

If you’ve got costs in Eur the best way to pay is through a Curve Card (which gives you the MasterCard daily rate without commission) and link it to a Tandem credit card so you get cashback

I wouldn’t leave money in there that would have a big impact if you lost it.

Your money is not protected in Revolut.

They are not covered by the Uk gov guarantee up to 85k due to not having a Uk banking licence. Saying they keep it with a tier 1 institution is like anyone else saying they keep the money you’ve lent them in a bank.

They claim to have a European banking licence but due to the legal complications this does not actually mean much.

I still use it to transfer cash but try to get in and out as quick as possible. Storing cash in Revolut is a risky strategy.

Are you still looking for an original fork?

Anyone got a Canon EF-S 24mm f/2.8 STM they're looking to sell?

I’d say take them back....if they don’t smell good can’t see them tasting good

One option would be to move the exchange date to March or to closer to March say Mid Feb. It's not unusual to have some kind of delay between agreeing an offer and exchange date and then a further gap to the completion date. Buildings Insurance is the key thing I know of you need to start from the date of exchange. I'm guessing you will have surveys that will need to be completed or further checks you might want to do (perhaps you have already done these).

If you want to negotiate further you can always do this until the date of exchange. But ultimately if you are happy with the price you are paying and they are happy with the price they are selling it may be best not to upset this balance.

Exchanging contracts early has the advantage that you are sealing the deal (assuming you are happy with it). Exchanging contracts later means that there is a risk that the seller pulls out. Normally mortgage offers are valid for a certain period of time (months) so as long as you are within that time it shouldn't be a problem.

Just realised I was replying to a post a few pages back @hovis so not sure if this still relevant!

Thanks for highlighting have given this a response. I think a key element is getting rid of the cycle lane which causes more damage that it helps and then enforce a strict 20mph limit.

Entrecote is good value and very enjoyable experience...and I haven't been for a while but this was the best I found.....

https://www.elgauchorestaurant.com/menus

From what I know the best way to learn to become a barista is to get a job in a coffee shop. There is a lot of demand for Baristas at the moment especially in London coffee jobs board posts them on Insta and they have a website as well.

I have met quite a few Baristas who started out in Costa or a friends place and built up from there. It takes time and practice to get the milk based drinks up to professional standard under pressure.

Also generally baristas will very happily chat about coffee if things aren't super busy so worth having a chat in your local shop about what it involves.

Love that last one, amazing colours

General consensus is not to tamp. Theres a good video on you tube by James Hoffman that I'm working off at the moment

Rubbing is far more annoying than excess splatter. In my experience theres always a bit of splatter.

This year I've gone for Raceguard XL and then added flaps onto the ends. Pretty happy with them so far and you can easily adjust how close or far away they are.

Thinking of getting into film.......

Anyone got a camera they're looking to sell? (Sorry if this is supposed to be in a different thread) Or recommendations?

Criteria:

Aiming for a more classical look as also want to use it as a prop
Easy to use to ease into film
35mm Lens
Budget around the £30 mark

Ah nice, the electricity adds an extra dimension to it. Thought it might have been America....

Another winner! Where was this?

Wow amazing stuff......love the first one with the reflection