Napoleon Dynamite

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About Napoleon Dynamite

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  1. https://www.manchestereveningnews.co.uk/news/greater-manchester-news/touching-teenage-girl-way-home-17061816 Kid needs help, not jailing or putting on the sex offenders register.
  2. Sub 8 min is still good. It's a milestone for a lot of people. Same here. Most do weights first cardio second if they do both on the same day, but I guess it could vary depending upon your priorities.
  3. I get DOMS if I do too much too soon. For example trying to get back to where I was after a break. Try dropping the weight and building up to it over a few sessions 70%, 80%, 90%. Think you'll find when you build back up and train regularly you won't get DOMS unless you've really pushed it hard.
  4. Maintaining a 1:47 split over 10 mins is amazingly good if you're just starting out. Don't be fooled by the display though, make sure it's showing the split for the entire distance not the last few strokes you blasted out before stopping. Don't think you'll really gain weight doing it, it's aerobic/anerobic. Legs may grow over the long term, back too and core will tighten up. I find it hard to balance cardio and lifting. One takes away from the other.
  5. I've considered similar. There's plenty of evidence out there to suggest investing in index funds is the way to go. It's where most of my assets are, but I have enough concern about that way of investing to think that supplementing it with a smaller contarian portfolio is a good idea. What was true for index funds in the past may not be true in the present/future given the asset bubble caused by the 10 years of low interest rates and money printing we've had. Like I said, I've watched this thread from the start and have seen most things come to fruition. So have decided (now I'm able) to act upon things and start building, albeit whilst putting more into a (fund based) DB pension.
  6. Is that hl? This one: https://www.hl.co.uk/investment-services/regular-investing I hadn't see that before. On the surface I would've passed, thinking it cost £25 a month, but upon closer inspection it's exactly what I need (if it's what I think it is). Say for example over a year I put £500 a month in, in 12 months time I'll have 12 shares and it will have only cost me £22.50. Is that right?
  7. Could you explain more? I'm interested, but don't fully understand. Yes, the 10 year fix is piece of mind. Can't remember the exact specifics but 5 year fix was 0.5% less, ~£60 a month difference in interest. So paying £3600 more for the first 5 years, and hoping to see a pay off in the latter 5 years. Rates have dropped since and there's a lot of talk of negative interest rates. Not looking too good in the short term, but this thread's all about the long term, so we'll see. A single company at £1200 is a fair percentage of my liquid/cash, but a fraction of a percent of total net worth (including managed DB pensions). So in one way (liquid) I'm not diversified , but looking at the whole picture I think I am. Other ideas on how to do thinks are welcome, I'm still working it out and starting off. Could maybe wait until I had £2400 and split it into 4 companies? But then fees become a higher percentage of overheads.
  8. Just wanted to say thanks for the thread. I've not commented much, or even invested off the back of it until recently, but I've followed from the start and tried to learn. My cashflow's got a bit better lately and I've got some fundamentals in place (10 year low rate fix on mortgage, cars paid off, emergency fund etc.) So I'm now in a place to start trickling money in and building. Plan is to save hundreds a month, then once I've got £1200 buy a share. Spray and pray into FTSE 350 shares with information taken from this thread. Two shares per sector. Holding them long term. Sound about right? iweb looks like the best bet for me for a dealing account. Will use an ISA to start with, then once I've built up a start using a LISA/SIPP for the Tax Relief. Actually had a few thousand in a SIPP in Vanguard Life Strategy that I wasn't paying much attention to. So sold that and I started with VOD and CNA last month, so far so good. SIPP is HL and I think the fees are terrible for a small amount, will sort that out in future. Will keep up to date with progress, assuming all goes to plan.
  9. EA's will often do that when they're trying to sell an overvalued house.
  10. I know I'm being manipulated, but this brought tears to my eyes. https://www.fox13memphis.com/top-stories/students-at-mlk-prep-help-classmate-that-s-been-bullied-at-school/984892152
  11. https://www.bbc.co.uk/news/uk-england-kent-49648596 Brexit's now causing migrants to cross the Channel. Always a good laugh when the So-Called BBC writes about "fake news" in it's articles too,
  12. Yep he's a lefty so not really one for dosbods. I find him very watchable though. I find it difficult to find things of an opposing point of view that's well articulated, but he does that.
  13. MMR's a curious one, all it's done is hold people back (in retrospect). The powers that be need to keep the credit taps on, but they don't want too much being sucked into the residential mortgage market. Also has the distorting effect that a couple could be £120K under for Student Debt by the time they're 21, without being audited for the means to pay it back. Yet an employed couple that didn't have that debt would be refused a £200K mortgage, even though the cost of the interest on the mortgage is lower. A big one for me is BoMaD, if that were to stop tomorrow, prices would plummnet. Not sure how long it will take to dry up though.
  14. Hope you're right. I've kind of given up hope on it really, it's almost wish fulfilment for me thinking that it will happen. I've always thought in lump sums, rather than monthly costs. With interest rates where they are even though £100K is lot of money, the £200 a month it takes to service the interest on the debt is negligible. With the way the last 10 years have gone I've held myself back thinking in terms of lump sums rather than monthly costs. Do you really see drops of over 20/30%? How about thinking in lump sum terms rather than monthly costs. At some point do we have to say there's been a paradigm shift and we're so far down this road thinking it will change is just too far fetched?
  15. I'm no expert, but I can't see it happening: Benefits system puts a floor under prices Dual income borrowing Powers that be will do everything they can to keep interest rates low If you get the inflation, wage rises will (probably) come too Foreign Purchasers My guess would be things dropping back to pre HTB levels in a crisis. Where things were in 2010-2013 ish, when people were reluctant to take on debt.