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daveindales

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Posts posted by daveindales

  1. 8 minutes ago, Paul in the woods said:

    Isn't juglone only toxic to plants? It appears to be used in food and cosmetics, so I would have thought you've be more at risk from normal woodsmoke.

     

    You may be at risk from irate wood turners though if you burn any decent bits. ;)

    Apparently,its very toxic to horses

  2. I have the chance to buy a used avant 420 loader. Its a 2013 model. Done 2000 hours, and is a bit rough looking, with a couple of cracked panels. Has anyone a rough price for what its worth and what to look for as far as wear and tear? It comes with no attachments.

     

  3. 4 hours ago, Paul in the woods said:

    I think the amount of time you have free to manage it might be more of an issue with a small amount.

     

    Cost wise, using the iWeb company mentioned earlier, if you opened and Stocks and Shares ISA it would cost you £25 to open an account and then £5 when you bought a fund assuming there's no initial commission. If you put in £3000 and the annual charge of the fund/s you invest in is 1% then you'll be paying about £90 a year which will rise or fall depending on the growth.

     

    Carefully choosing your provider and funds will take time though, so I think it is only worth doing if you intend to invest a fair bit or over time.

    If your just dealing in shares, £5 a trade is great. I use it all the time. With regard to funds, you can set up a monthly direct debit. I'm not sure, but I think the minimum might be around £25 a month. 

     

    Im late 40's now. If I was early 20's, then funds and dividend paying shares over the long term would be my preferred choice.

  4. 1 hour ago, Paul in the woods said:

    There are charges for stocks and share ISAs as well which can be more than a pension. A stakeholder pension will have annual charges cappeId at 1.5% of the fund value, and providers will often offer lower fees of around 1%. A stocks and share ISA may have an initial fee, around 5%, and an annual fee of around 1.5%. If you carefully shop around there are platforms that will rebate the initial fee and some of the AMC.

     

    Put simply the fees can be very similar between pensions and stocks and share ISAs.

    I could be wrong, but I don't think I pay any charges, apart from a £5 dealing fee. With iweb.

    • Like 1
  5.  Your always going to get loads of different answers when you ask a question like this. A lot depends on the level of risk you want with any savings.

     

     

    a cash isa is safe, but pays rubbish interest rates.

     

    a stocks and shares isa is riskier and you may lose money. Stock markets are at all time highs at the moment, and many predict a correction happening.

     

    if you start a personal pension, you can manage that yourself if you feel competent. This is called a SIPP. I do this and invest in funds mostly.

     

    Perhaps the safest way to invest in shares and funds is to drip feed your money each month. 

     

    Or you could just put it in the bank, and use it when needed. Deciding on your level of risk is the first thing to do. Once you answer this, your half way there. Hope this helps.

     

     

     

     

     

     

     

  6. I know its an old thread, but i'm working on a road bend shortly. Traffic lights job (40mph legal limit). does anyone else take into account chainsaw chain oil getting on the road whilst cutting or am I still a bit OCD? bikers uphere are a bit wild

  7. I'm left handed, and have always started all saws, strimmers  etc with my left hand. If two of us are chipping, I always stand on the right hand side and chuck the branches in , mainly with my left hand. 

     

    Funny thing  this hand thing. If playing cricket, I would bowl left handed, and bat right handed. I play golf right handed, but play snooker, and darts left handed. Perhaps, that's why I'm no good at any of them!!!

  8. This is my first post on the new site. Got to say, I preferred the old style site. Seemed a lot simpler to use. This seems a bit more cluttered and complicated to navigate. Maybe it's me not taking enough time to work things out?

     

    However, I know it cost a few thousand, and I know Steve must have done it for the better. So,I'll persevere.

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