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Not personally, but I remember it being mentioned when I was buying something from Mike's... eg.

https://www.mikesdivestore.com/pages/how-to-buy-a-prescription-mask

In that case it does sound incredibly insecure. So which bank?

They are capped at £375 as @frank9755 mentioned, so it actually gets cheaper as a percentage above 250K invested. But honestly their rates are very low in the first place.

I transferred a SIPP there from Hargreaves Lansdown who were charging 0.45% for doing basically nothing, and the fund management fees were higher too (so I didn't mind liquidating in that case).

Vanguard fees are low, but I think they'll only hold their own funds in either their ISA or SIPP wrappers, so it won't work for your shares. That also means that transferring your existing SIPP will basically mean selling everything and re-buying Vanguard funds (unless it's all in their funds already).

Their fees are 0.15% for running the account, and something usually around 0.2% management fees for the funds.

I've heard the same (plausible) rumour about the other FAANG companies doing similar. I guess if someone you really want to keep doesn't fancy coming in you can still make "case-by-case" exceptions.

Everything I can see online suggests you have to sell the shares and then use the proceeds to buy them back inside the SIPP wrapper. No idea why, maybe it's just so they can track contribution value unambiguously.

One question about the shares I didn't see mentioned: do they pay dividends? If you get a return that's higher than savings rates, it's worth something even if the value isn't going up.

Whichever tracker you can get with the lowest total fees, ideally. Global tracker to be well-hedged, UK if you have Union flag underpants, and S&P 500 if you expect US hegemony to continue and want a slice (that one's also a one-way FX bet though).

Yeah, those foxtails are a bastard. We check paws daily after going through this a couple of times.

Is the antenna screwed in?

Community Fibre and Hyperoptic can both just run the fibre to your house from the nearest telegraph pole, assuming you already have one for the Openreach VDSL.

No idea if either are useful for you, but they don't have to dig anything up (except perhaps to reach the pole in the first place)

One small Hockney print, one Japanese ink painting of a grumpy-looking frog, and a wobbly loo roll holder I keep meaning to fix.

Bad luck. They have a map showing they're "in" Ealing, but I guess actual coverage is street-by-street.

They were "in" Hammersmith & Fulham for a while before I was able to switch at the start of the year.

Literally no idea, I haven't even thought about DVRs since about 2009. Since then I just streamed and/or torrented everything.

Edit: apparently CF do have a TV package. No idea how it compares to anything else, as I'd never even thought to check.

Pity none of the cable alternatives are anywhere near west london.

Wait, what?
I'm in West London, paying Community Fibre £27 a month for 920Mbps symmetric FTTP with a 1ms ping.

Quick internet suggests depreciation of roughly

Equipment and computers — expense around 33% of the overall value a year, with a full write-off over 3 years.

which translates to £1,645 current value.

PCpartpicker reckons more than that for just the CPU+GPU+RAM, so I'd try for the depreciation angle.

So your argument is that it's not ok to offer an opinion on what constitutes praise/blame-worthy behaviour, unless one is entirely blameless oneself.

But you're suggesting snotty is not entitled to offer such an opinion, implying something they did is blame-worthy, which means you're doing exactly the thing you complained about.

As am I, because I'm pointing out your bad behaviour in implying snotty's bad behaviour disqualifies their opinion that watching bullfighting is bad behaviour. Which it obviously fucking is. Claiming that torturing animals for entertainment is not great isn't really that controversial.

When I looked, I could only find a story from 2020 that Shapps had insisted on extending the congestion charge zone to the same footprint as the original ULEZ.

They did also claim that it was Khan's idea in public while making it a requirement of TfL funding in private, so it's not implausible they'd try the same trick again.

Oh yeah, I didn't mean that putting the money in was a bad idea, just that worrying about timing it better is usually misguided (even if it's hard to avoid when you're looking at a sad graph instead of a happy one)

Timing the market is a mug's game (unless you're a professional discretionary trader in which case you have reams of analysis and you're anyway doing it with someone else's money).

The only general-purpose way to get a reasonable return that isn't luck, inside knowledge or very careful analysis is cost averaging, which just means buying in monthly or whatever so you have a good chance of buying close to wherever the bottom turns out to be.

it's like the antithesis of Asian cuisine

Except the sort of Cantonese that focuses on texture and is, in fact, as bland as anything, almost as if the phrase "Asian cuisine" were fatuously reductive.

Yep, the naked bacon is absolutely fine and I haven't noticed any symptoms of botulism so far.

Air dried hams should also be good and anything with a PDO from Southern Europe probably.

I think it's the nitrites & nitrates specifically that are the problem though, right? I thought sulphites were more of a problem in drinks.

Maybe they should just keep it frozen then.

The nitrite-free bacon is never lingering uneaten in my house long enough to have ever gone grey.

But actually they're more likely to use it as another argument for their stupid ban on end-to-end encryption.

If property prices fell to the level I actually think is reasonable in principle (ie, same multiple of median income as when my house was built in the early 1900s, adjusted for cost of funding and whatever else) - everyone would be wiped out.

The only situation where that happens are a complete demand collapse or somehow catching up on the last 40-odd years of building that didn't happen for various reasons.

Equities can take a beating - and at least some definitely will as firms crumble under the debt they were loaded up with when servicing it was cheaper - and most people won't really be affected until they come to retire.

Inflation will appear,rising slowly at first but ...

this obviously doesn't apply. I'm not criticising the author for failing to predict the effect of COVID-19, the stimulus packages it triggered, or the war in Ukraine or anything else, but ... inflation is not "rising slowly" and I don't know why you'd keep reading past that point. The prediction has visibly parted company with reality.

Once this does hit the central banks will be slow to react with the right response as they themselves will be shocked at the speed and scale.They will panic and print direct into the economy by passing money/debt to governments at 0.1% or zero coupons.

M2 spiked at the start of 2020 and again last September.
M4 growth was high during 2020 until mid 2021, but has fallen back.

It's far from obvious they're pumping lots of money into the economy. That could almost have applied to the quantitative easing, but that was already happening 4 or 5 years ago and is being unwound.