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TomR

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Everything posted by TomR

  1. TomR

    Car Damage

    Might be easier with a machine, so unless you want to buy one then still body shop/detailer territory, but will be cheaper than painting.
  2. TomR

    Car Damage

    Get the t-cut out!
  3. Is that all young girls are worried about? If that's all you base your relationships on them i'm surprised you actually care and that it's not just a jealous 'he think shes hotter than me' reaction.
  4. Why would nailing the new one be any better than the current one? It seems a bit pointless other than to brag about 'nailing this hot chick' to your mates, which most of them will think you're a willy for cheating.
  5. It's well worth it IMO, obviously it's a tossup between having the money spare that you can risk, and making the most of the moment as most things are going up at the moment, In a few years it'll probably still be moving up although maybe not as quickly as it is at the moment, but will obviously be safer. Money doesn't need to be tied up either, you can get it back as quickly as you put it in, I kinda saw it as a replacement for my savings account and i've had some pretty good short term returns too. Put a token £250 on RBS and that's worth about £830 today, which over 3 or 4 months is a lot better than Nationwide savings account interest! Definitely don't give up JT, things won't always be moving upwards or in your favour, the key is doing the right thing - which you did. If that were me that'd fill me with confidence knowing i've done it right and i'd carry on. As a lot of people say, Stock trading is just a way of transferring money from the impatient to the patient.
  6. There's actually some pretty sweet shirts on that site!
  7. It's a lot easier than people would think as long as you pay attention or are in it for the long term, it's nowhere enar as daunting a people, and certainly me originally think. Plus you can offset your losses against your profits at the end of the year for tax purposes too so it's not totally lose:lose.
  8. Yeah you're pretty might right there. Lloyds are very good, the only thing that kicked them in the nads was HBOS. Apparently before the current fiasco Lloyds were planning on buying out the governments stake, obviously now thats far from possible but they were nearly in a very good position. Pretty good dividend payouts in the past and share price of just over £10 too.
  9. He's done the right thing though, my boss bought at a similar price, then panicked and sold at about 50p! If Lloy followd Barc's lead you'll be laughing!
  10. It's as close a description you can get, you're basically betting on something that you can research and calculate, not guess, like somebody winning something or dying.
  11. How does making over 10 grand in 5 months sound? Old people or not, I ain't gonna quibble with that People always want to make money for nothing, this is pretty much the best way (although you can lose it just as fast!)
  12. Can't find the actual link but this has some info and link to different brokers are at the bottom. Alernatively googling 'choosing a stock broker' will throw up loads of useful info. There's some good stuff online which i'd reccoment reading first, LSE and III forums are ok for info, and www.shareprice.co.uk is worth signing up to for live prices (most provide prices with a 15 min delay).
  13. Correct, I use Selftrade, Barclays is also popular. I did have a link to a comparison of the most popular ones as they charge different fees. Selftrade just charge £12.50 per trade, no monthly fees or inactivity fees, barclays I think charge monthly too. Not sure about III etc. I'll try find the link for you. If you don't already have an ISA, trade with a Shares ISA too as i've said above.
  14. Ah right, it'll depend on who you're ISA is with as to whether you can trade stock/how easy it is. I never got them too, I was always under the impression that you could only trade in certain types of stock, government bonds and weird shit so I kind of ignored them. Turns out you can trade up to £7200 in ANY stock, completely free of capital gains tax! Unfortunately I found out after the new tax year started and my investment was worth over 7k so kinda missed the opportunity to get everything in there. I trade with selftrade and they have a Shares ISA, basically the same as the normal trading account but you do it within an ISA, might be worth looking into if you want to save a few quid from the tax man.
  15. Good to see i'm not the only one trying to take advantage of the recession. I'm in Taylor Wimpey, 31,000 @ an average of 10p (6p, 9.6p, 27p, 41p prices at various points) and RBS, 1500 @ 14.5p. The only bad bit is not getting paid quick enough to top everything up and delve into new opportunities. I bailed from LLoy to plunge more into TW and missed Barclays at 47p (Now 279! ) again because of the amount I was putting into TW. In hindisght I should have binned RBS for BARC and kept my holding in Lloy. If you're breaking even i'd reccomend looking at TW. wether you move it all over or slice it in half, but obviously DYOR on it. Out on infterest did you do it in an ISA? (Sorry if it's been said, not read everything).
  16. Well done mate, think my mate got 4:38 (on crutches!) and his bro just under 5 hours. Certainly don't envy anybody running in todays heat, my 4X race was bad enough so sod 26 non-stop miles of running!
  17. Them white Pashleys were my dream frame back in the day, looks brilliant! What happened to Pashley TV series anyway?
  18. That looks like a bloody fun bike!
  19. Looks pretty smart that, loving the black wheels. I've got a silver one but I rarely ride it as it seems like such a bitch to do anything but hop on!
  20. I'm afraid all my spare money will be going on my two mates who are doing it (one of them on crutches!!) but good luck anyway!
  21. TomR

    Jobs.

    I strolled into a Civil Engineering CAD job, which if you like anything technical and like fiddling with computers and design software you'd probably quite enjoy. It's mostly common sense, basic maths and basic physics (ie gravity). Didn't have any relevant quali's and only average GCSE's. I'd really very strongly reccomend getting a job on the lower rungs of the ladder before commiting to any kind of course, just to get a taster of it and seeing if it's worthwhile. As much as I like cars, engineering and getting mucky taking things apart, i really wouldn't want to do it for a job, not to mention it's a shrinking industry and there's limited cash in it. Can also get similar jobs in town planning, architecture, interior design, landscape architecture. Once you're in the door it's a pretty big world, and a lot of the skills are transferrable.
  22. I'll chip in another quid if you try and bugger her in the car park.
  23. Get the train down to Paris?
  24. NFG - 47 TheSet - Little One (pretty damn good tune actually) And coming up next is the new This Is A Standoff album.
  25. TomR

    Flared Headtube

    Chris King/Nukeproof route is the safest IMO but i'd still be telling him to get saving. Did he buy it with a flared headtube?
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