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@drøn fantastic shout - still spendy but lots of nice stuff there - day trip to paris might be in my future

@aggi thanks but far too small for me

Not loving Trickers formal boots. I do have a pair of their country brogue boots though and they are very nice too

TBH I would really like a less spendy version of Cheaney Brisworth. Can only find Meermin and Loake that do comparable

@pdlouche interesting analysis of the shoe itself - I hadn't considered it that way.

Looking for other brands to try outside of the established loake/cheaney/church etc brands. have been toying with the idea of Meermin but thier boot selection isn't the best.

Lovely choice, I have a 1981 gazelle that is my winter trainer and don't regret it at all.

Don't respray it, looks in perfectly fine condition.

@TM
You definitely could pop an Alfine hub in, dead easy with the eccentric bottom bracket. Not the way I want to go though - this is just the start of a clear out and refresh of the bike stable....

You have seperate pm on the wheels

time for some new formal shoes for work - has anyone tried Sons of London?

If I hadn't just treated myself to a new iPad Pro last month, I definitely would have made the deal.

Stuart

Having spent entirely too long browsing through the pages of FBNPNA and associated builds I ended up buying a Pinnacle Arkose single speed in what can only be described as their splatter paint camouflage scheme.

The first thing I did was get rid of the chain set it was supplied with - some MTB chainset made out of pig iron and replaced it with a nice Campag centaur chain set and matching TA Specialities Chainring. Then some much nicer wheels from Just Riding Along and a tubus rack. Wired it for dynamo lighting and happily commuted on it for three months before I moved offices and the bike became completely impractical. 12 months later It needs to go as I never ride it.

The Bike
2015 Pinnacle Arkose single speed XL frameset geometry here
170mm Campag centaur chainset with Ta Specialities Vento chainring 45T
Finishing Kit all OEM

The full fat option
The bike as immediately above plus
Just Riding Along built wheels (Pacenti SL25 rims, Exposure dynamo front hub, Hope trials rear hub, sapim d-light spokes)
Clement Strada LGG 28c tyres
Mud guards
Tubus fly rack
B&M EYC front light

GBP 650 takes it - pick up only from SW9

KISS option
The bike as immediately above plus
the OEM pinnacle wheels (Alex rims on no-name hubs)
WTB Nano tyres
All options removed

GBP 300 takes it - pick up only from SW9

Up for sale, as I now have a Surface pro, is this rather nice Dell laptop. This was their top of the range touch screen ultrabook 18 months-2 years ago and remains an awesome bit of kit* Key specs as follows

Brand Dell
Item Weight 1.3 Kg
Series 9343
Screen Size 13.3 inches
Screen Resolution 3200 x 1800 pixels
Processor Type Core i7
Processor Speed 2.4 GHz
RAM Size 8 GB
SSD 256 GB

Originally bought to use for business travel and has probably only done 10 trips, when not travelling it has not been in use. As such the battery is still in excellent condition. It has been upgraded to windows 10 and blanked of data.

There is some wear and tear in terms of scuffs/rubbing on the reverse of the screen as shown in the attached photos.

I am looking for GBP 450.

Pick up in EC3 or SW9 preferred but willing to post to UK addresses only and P&P will be GBP 15 for special delivery.

Cash preferred, if payment is by paypal, buyer pays paypal fees.

• I know some people have horrible experiences with Dell laptops. My experience has been universally good across 4 models.
  

I am not an IFA but given your are saving for a mortgage deposit, I would have thought your time horizon is far too short to invest.

your money, your choice though

I am a huge fan of the surface pro for handwritten notes. I have one with a heavily cracked screen but still fully functional that I could let you have a play with if you are London based.

Looks really good, always suspected there was a quality frame under the layers of fairly agricultural paint it had before. Looking forward to seeing the paint job.

oh and dibs when it next comes up for sale :)

@Chalfie http://www.cityforex.co.uk/ have consistently good rates and do a lot of volume

All US citizens are required to pay tax to the US treasury, even if they are not resident in the USA. FATCA is a grotesque and over reaching piece of legislation that is supposed to stop US citizens hiding acorns overseas....

Now the penalties to a bank for not compiling with FATCA are obscene and if its a choice of losing your business or being non compliant under FATCA - they will drop you like a stone.

I suspect the reason they think you might be a reportable person is because they don't know your citizenship - if they knew they could allocate you to one of the buckets -reportable or non-reportable but in the absence of any information you are just a regulatory risk to the bank.

http://www.dentonscatering.com/

Thanks - confirming my personal views, 1 speed or three speed. Not at all convinced by the kludged up derailleur set up on the 2 and 6 speed.

Considering a Brompton. What does everyone think of the various hub options in terms of durability?

It's scaremongering of the highest order. Using notional values to assess derivative exposure is infantile

British
Insurance
Brokers
Association

BIBA

They probably won't sell @andy_k insurance

Raggedy arsed effort from the septics.

Power over precision, just like their cars

Best of luck, you seem to have a plan.

My only other advice is to read the terms of the ETF closely. There have been a number of cases where the performance implied by the name of the ETF does not match the performance of the underlying derivative contract

ETFs are a different kettle of fish - although you are buying a single name stock, the performance of that stock is linked to a basket of underlying securities so you get the diversification you would not have by just buying the two stocks you mentioned - which is a good thing.

Good luck whatever you do; try and find a way to manage the risk that works for you

how would you feel about losing 50% of you money - not saying it will happen but its a risk if you put all of your money in 2 individual stocks.

If you are looking at the stock market 4 thoughts
1: decide on your asset allocation model - you can find these for free by going onto the website of IFAs and playing with their models - broadly tell them how risk tolerant you are and they will suggest a portfolio. Do it on a couple of different websites to get an idea
2: the only thing you can control are the ongoing costs of your investments, which negatively impact your overal return. For small investors - say less than GBP 10,000 - I cannot see the reason for having actively managed investments.
3: Understand pound cost averaging and how it works for you.
4: You cannot time the market - if you could you would already be in front of a blomberg terminal, trading.

One of my favourite resources for this kind of discussion is http://thereformedbroker.com/

Forks look very much like the pittsburg steelers logo. Can't place the bird though

Is your client a septic?

Have you got any sets of columbus max decals in there?