Papa Manual

It all depends on how much you want to invest and how much risk you'd like to take. Generally speaking the higher the risk then the higher potential return. There are a few low risk investments kicking about with reasonable returns mind; I'd check out the one year fixed interest bond from HSBC. It's worth taking into account that a 'headline rate' is what the overall bond is likely to increase by and not a guarentee of what you'll get back individually. Normal savings accounts, current accounts etc aren't doing especially well at the moment as the Bank of England still have interest rates fixed really low because of worries about inflation and the recovery of the economy in general. Stocks and shares tend to be the riskiest investments going and are only worth going near if you're willing to put a good deal of research into companies you're potentially thinking about. I've made £250 in a day and then lost £300 on the same investment the day after that. Not cool! I learned by that mistake to do my research. If you're interested in stamps, collectables and stuff like that, check out Stanley Gibbons. Whilst you're not going to become a millionaire overnight, they boast impressive returns and most of the investments are dead safe (pretty interesting too) and are very unlikely to go down in value. One thing that f**ks me off premium bonds. Loads of people rave about them and think they're a great deal just because Alan Sugar was on the adverts. You'll get more back in a decent savings account than you will from premium bonds; it's the psychological aspect of winning tax free 'prizes' and the potential to win a million in one go that draws people in I don't know a single person who has made any decent money with 'em. Anyway, yeah, I can ramble forever about this sort of stuff so let us know how much cash you've got and how risky you want to go.

Horrible song but the riding was good. You seem to get noticeably better with every video.

f**ked up a pretty speedy pop manual in Mansfield when I was 16; my back awkwardly took the brunt of the immediate halt and then the ensuing landing on the edge of a concrete ledge. It's not been quite the same since. It's nothing to moan that much about as it only really hurts after riding a lot and that doesn't seem to happen much lately.

There is a lot of legal dick size comparison. It's good for shits and giggles as they are great examples of exactly what I want to avoid becoming. That's kind of my thinking to be honest.

Certainly wouldn't be using Trials-Forum to decide the future of my relationship! I was just kind of curious how the answers would differ from a load of (mostly middle aged) lawyers to younger members of society.

Saw this polled on another forum and I wondered what you lot thought. It seems the majority of lawyers have cheated and would stay with their partners if cheated on!

Law student and barman most of the year and during Easter and the summer I'm an investment officer at a Swiss asset manager (which I used to do full time). The variety keeps me on my toes although the bar work is really starting to f**k me up as I like beer too much.

If you accept immorality as behavior deviating from widely accepted principles of what is right and what is wrong then it's a difficult argument to put across. Where insurance doesn't factor into the equation then the claims awarded to the claimant by the court are generally a lot less to save individual hardship on the part of the defendant. It is accepted in the legal and political arena that this is the purpose of insurance, and judging by the number of people who claim it's fairly widely accepted by a good number of the public too! I don't think those who are being sued are particularly bothered either as it's not coming directly out of their pockets and any premium increase isn't going to be substantial unless you're a young driver. To some extent I'm playing devils advocate as I personally think that claiming for loads of shit all the time is just turning the UK into a litigation culture in the same way that America is. However, conversely, you're all paying ridiculous insurance premiums so, when something goes wrong (or does so in the eyes of the law), why shouldn't you make a bit of it back? If every 'moral' person in the country doesn't claim when they have the opportunity, you'll still have ten 'morally bankrupt' people that do. As access to justice becomes easier and (arguably) cheaper then there's no way of reversing this trend without massive reform of the civil justice system and that'll certainly never happen under a Conservative led coalition.

It's definitely worth looking at pursuing, however don't use one of the shitty companies advertised on the TV, like Claims Direct, as they tend to treat you like a piece of meat. If you look about on Google you'll probably find some good sites that will have reviews of local solicitors. All law firms are, in the end, basically just interested in how much money they can make out of you, but there's a big difference between a reputable high street firm and the scumbag firms that work like litigation conveyor-belts. How serious was the crash? Did any of your friends actions contribute to the seriousness of it? If you were a right f**ker you could more than likely screw a bit more out of them by going to a psychiatrist and playing the post-traumatic stress disorder card. It's not very hard to do if you find the right shrink. I'm not advocating this as, in my opinion, it's pretty evil; just stating the facts. Insurance doesn't really come into it from your side of things. If the other party isn't insured then they'd be liable for criminal prosecution, which is brought by the crown rather than individuals. The action you'd be bringing against them would be civil, which is completely separate. Also, there's very little chance that it'd go to court. 97% of civil claims are settled out of court using alternative means due to costs and stuff. If you've got any questions before you go to a solicitors then give me a shout. I've just done a metric tonne of essay and exam work on this exact area of law .

Nice riding .

I have no idea whether they're still in production but Easton EA70 bars always seemed to do the trick. Think they used to go for about £40.

Just turn up and see what happens. You did it last year with virtually no money, it'll be fine. I haven't ridden my trials bike since November so this will be interesting!

If you're still looking for someone I'll jump in with you. That's if we can't sort the bus...

Specialized Evil Twin.

It's so sad that something like this could happen to such a nice bloke. Rest in Peace Gav.

Hey Phil, good to see you're still at it. You're getting good man!

Jesussssss. Nick f**king Berry urgh! I'm loving the 'ultimate 100 really bad songs' on the top right. I feel old....

That's pretty steep. Take it you're at Frenchay? It's a little out of the way, and for the added expense...

They used to get stuff to me in the Channel Islands within a couple of days.

Nice little video mate.

Haha, niiiice. They were ok. Riding was pretty good I suppose. Lycra at a skatepark though....

Nice video Chris. You've come on a long way even from the summer. Starting to go pretty big!

Nice little video mate, you've got some skills. Liked the loop-out too .