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Because you’re shit at putting up shelves. What would you have done if she accepted your offer? Ring your dad?”

Ooofff harsh, hope your new gaff has a shed to sulk in.

Conversely - what brand/make of shorts has the pad in a most arserly direction?

I've got some endura shorts and 3/4 length tights, fit right and have lasted 15+ years.
Probably something to do with the designers noticing their arses were around the back.

Wore my winter cycling tights for the first time yesterday, nice and toasty, mostly well made but the damn waffle/nappy insert really is too small or badly positioned, feels like your arse is hanging out the back. Would have been great without it, not sure it's worth trying to unpick it.
The merino base layer top has been good, even wore it in the sea a couple of weeks ago, it's genuinely warm when wet much better than polyester. A bit mean on the arm length but would buy another.

Always worth distressing yourself with;

from mrmoneymustache

^^ Good move Luci.

It was well observed and written, but I think it could only be part of bigger piece pulling out the issues.

As it was it could have been deeply humiliating to the entirely blameless person stuck in the middle of it, should they ever have read it.

Still, made me think and if I'm honest feel pretty uncomfortable in my shoes. The underlying issues run pretty deep.

Annnnd....I'm off to the memes thread to look at pictures of cats for a while.

Nice one Luci, also read Squirrel ripper while I was there. FFS there's some dark dark freaks loose in the Yellow pages.

Serious post.

I never understand why people buy bin bags, or fire place lighters. Try as I may to avoid it. My house is constantly full of carrier bags, and waste paper.

Serious reply
Carrier bags leak all down the hall on the way to the front door. (Spare carrier bags go the local primary school to carry art and wet pants home)

Waste paper e.g. junk mail sometimes either flash burns or smoulders sullenly, either way you have to clean the whole mess out and start again. Fire lighters cost about 5p and always do the job.

All stocked by my local corner shop along with 50 types of rolling papers. Come the zombie apocalypse thats where I'm barricading myself in.

Try the previous incarnation: AKG K450
...

Saw this, got some today - they are very good. Thanks.

To the thoughtless prick in a ninja balaclava using the pavement to ride down Chancery lane this lunchtime, you don't know how much self control it took not to clout you one as I dodged out your way. WAC.

Desperation purchase from the Aldi around the corner, I expected it to taste like burnt sawdust off a butchers floor... I'm shocked, it's pretty good, smooth and quite mild sort of taste I associate with African coffee.

It has got a best before date of May 2013 so maybe I was just lucky and caught it at a sweet spot.

^^ Fair point about sales position, I think what makes it a little different is the complexity,fragility and opacity of the underlying products.

I'm unconvinced that a suspect risk assessment questionnaire 'facilitates appropriate investment' because I think the underlying assumptions have proved to be without foundation. I don't think advisors thinking has changed as a result of 2008.

The article I cited was the only one I could think of that was a reasonably neutral short record of the issues surrounding many of the products even a good advisor can offer you.
If you extend the basic premise with an advisor's fee on top (~ 1% per annum) and more futile fund churn to justify the fee, then what you have is a really strong case to get down to the library while you can.

^Hmm didn't think they were contentious points.

It's in the advisors interest to maximise his income, it's in your interest to minimise it, clear conflict of interest.
"[Fees] are so high that the industry is actually destroying value for the UK investor at least as fast as the stock market can create it... And the highest cost of all are personnel costs, wages and bonuses."
http://www.guardian.co.uk/business/2011/dec/17/treasury-warned-over-traders-fees

Secondly if your advisor led investments tank, does he feel the pain ? Does he tote up the days / weeks / years of salary that have just vaporised ? Can he respect your money like you do? No, clearly not because it's not his f*cking risk.

I'm looking for someone who knows a lot more about investments and pensions than I do because it's their job. Someone who would be able to advise me on the best route to take with regard to said investments and pensions.

What you're asking for doesn't exist, you're looking to trust people that can't be trusted.
The biggest favor you can do yourself is to read around until you understand what is being offered to you at what cost (yes it's tedious crap).
4 bits of commonsense that I wish I'd had;

• Your interests are different to any advisor's interests
  
• No one will treat your money with the same respect you will
  
• Don't invest in anything you don't understand completely
  
• Keep any investment under your sole control
  

^ (pauses with credit card in hand) How so ? I'm picking up they might be a bit of a faff to fit, but on the face of it they do fit (in Yorkshire at least)

Youtube: How to fit Pluses on a brompton

If you are serious about not getting punctures on a Brompton there's not a huge amount of choice other than the Marathon Plus, I don't think.

Thanks, I'm liking the Moses on a bike idea, but a little apprehensive of the weight. Found a discussion on Flickr that also comes out in favor of the Marathon's. Someone mentions sidewall blow out on the brompton kevlar's which is where mine is heading, I think.
http://www.flickr.com/groups/bromptonfolders/discuss/72157605837055681/

My brompton kevlar tyre had a bit of a hump on it that's showing signs of failure after 2 years.
Haven't had a puncture in that time, but the hump makes me want to consider alternatives.

Anybody have any experience with other brompton sized puncture resistant tyres ? (Have UTFS).

Remember the smell of this on a Christmas morning, thick oily plastic stuck right in the back of the throat.

Seem to remember the game sounds turned up on a bauhaus b side a few years later.

Begging for one of these

Reading this

I think you adapt to the twitchiness of the small wheels quite quickly, but I mean that in the sense of riding appropriately, as well as the physical/balance aspect...

This is true, however I've found that what on a road bike are annoyances (for example unnoticed pothole or sudden large puncture), turn into laying in the road incidents on a brompton.

On the flip side when you swap back to your road bike your newly enhanced balance and defensive riding skills make you feel like you're running on rails.

I'm 6ft and good with pies. Height wise std seat post is fine.

With my weight the standard rubber block pseudo suspension gets a bit bouncy at high cadence, easily fixed with stiffer rubber (think its standard now) or just going slower (my solution).

I've a 2 speed, which is fine for commuting in London, only spun out a few times along by Blackfriars underpass which is an exceptionally fast road.

Small wheels does mean instability, but if you want it to fold small and go fast you are going to be sliding along the road on your face at some point.

Turn your back for 5 minutes to have some kids and a quiet life, what happens? Some slimy turds decide to turn the clock back to the 80's.
I'm off into the attic to dig out my Billy Brag LPs, that'll learn them.

^ Nice retro pavemaster look, pretty sure they used to fold as well.
http://raleighgrifter.aceboard.com/229420-9931-17787-0-PAVEMASTER.htm

@ Graeme_ I just saw the last 10 years of my working life flash before me... I feel dirty.

The good news is that a whole generation of educated middle class people are being politisised. The long term implications of this will last for decades. The Liberal Party is dead. The tories are dying.

I only hope this is the case, however given that this is the generation that failed to be politicised in the 80's, I'm not quite as hopeful as I could be.

I hated the 80's but I managed to escape into further education with all fees paid and a maintenance grant.

Can't help but feel that the many in my position have just pulled the rope up after them.

Deeply disappointing.