It's time to start digging up those Squirrelled Nuts!!!!

Sea_Shell

Audaxer said:

Sea_Shell said:

Our best performing ISA fund is down over 10% off it's high at the end of last year.   Buying opportunity?

We were going to put DH's TFLS into this fund (as we shouldn't need it for many years), but don't have the cash just yet, so are seriously considering transferring from our lower risk fund into this one, and then replacing the money when the TFLS comes in (c.£15,000)

Our "best"  fund is a Global Opportunities fund, and is 100% equities in (mostly) US, and having looked at the 3 months charts, very closely follows what the NASDAQ has been doing.  

Our "safer" fund is only down 1.55% for the same period.

Decisions, decisions?!?

It might work out well but sounds a bit risky if it takes you above your risk tolerance. I suppose it depends how you would feel or react if you transferred the money into the high risk fund and it then fell another 10% by the end of the month. 

We're going to split the transfer and do half now and the other half "later" depending on how the land lies.

That fund is our "fund of last resort" as far as needing to draw from goes.  So it may not get touched in 20+ years!! 

Hopefully in the long run, it'll outperform the others.

enthusiasticsaver

trevjl said:

We still have one of those old dial type. I set it and take to knob off to avoid the thermostat wars !!! Heating allowed on 1st November, if you're cold put something thicker on is my normal statement. hence my £63 a month bill, harsh man that I am   

Yes I would do that but we have one of the new digital displays so not able to take any knob off.  DH recently recovering from open heart surgery so that could account for him always feeling cold at the moment.  I bought him a throw to stick over his legs if sitting on the sofa in the evening and that is my classic go to response to him feeling cold.  I don't think 20 degrees is too low but he often turns it up to 22. 

bluenose1

enthusiasticsaver said:

trevjl said:

We still have one of those old dial type. I set it and take to knob off to avoid the thermostat wars !!! Heating allowed on 1st November, if you're cold put something thicker on is my normal statement. hence my £63 a month bill, harsh man that I am   

Yes I would do that but we have one of the new digital displays so not able to take any knob off.  DH recently recovering from open heart surgery so that could account for him always feeling cold at the moment.  I bought him a throw to stick over his legs if sitting on the sofa in the evening and that is my classic go to response to him feeling cold.  I don't think 20 degrees is too low but he often turns it up to 22. 

There would be WW3 here if I couldn’t adjust heating. 
Enthusiasticsaver - a heated throw is fantastic, definitely  saves me putting the heating on as much and very economical. Though I then get too comfy to move…..

Did my first Park Run in 4 months today after an ankle injury last year. Lovely sunny day and interesting to hear a few of the regulars discussing the merits of their new Nike Zoom Vaporfly Elite trainees that had helped them all shave a minute or two off their time. Same trainees as the guy who ran the marathon under 2 hours. Boys and their toys  

There again I am that slow it would have to improve my time by 20 minutes for me to be interested.

Sea_Shell

We have a couple of ordinary chenille blankets for TV watching...cosy.

pensionpawn

enthusiasticsaver said:

We had a new boiler a few years back and our gas usage has gone down.  Our electricity usage unfortunately has gone through the roof probably due to us having underfloor heating in our conservatory and kitchen which DH insists on keep putting the temp settings up and then I put them down again.  

UFH does significantly increase your electrical import however it's a must if you install stone flooring or do a garage conversion. Makes you wonder where all the electrical generation in the winter is coming from when the country bins ICE cars and gas boilers from 2030. My annual gas consumption is around 11k2 kWhrs with a 25 year old boiler supplying a 4 bed detached house. Retiring it for a new one before the Sep energy cap change which should bring my consumption down to around 6k kWhrs. With solar panels I hardly use any gas between April - Sep so will be looking for a gas tariff without a standing charge.

ex-pat_scot

bluenose1 said:

Did my first Park Run in 4 months today after an ankle injury last year. Lovely sunny day and interesting to hear a few of the regulars discussing the merits of their new Nike Zoom Vaporfly Elite trainees that had helped them all shave a minute or two off their time. Same trainees as the guy who ran the marathon under 2 hours. Boys and their toys  

There again I am that slow it would have to improve my time by 20 minutes for me to be interested.

I did the Brass Monkey half M today - lots were wearing those fancy racers.
The last one I did - Vitality London half almost 2 years ago on the cusp of lockdown - it seemed like everyone in my range (roughly 1.20 to 1.26 HM) had them.
Whilst people should be free to spend / waste their money as they see fit, they do seem a very expensive way to go.
Thankfully running is such a simple cheap activity that I'm not too surprised people go for them.

I'm of the age where I'm getting slower and slower. I'm only racing against myself. 

Sea_Shell

After running in ASICS for years, my current pair are own brand Decathlon and are super comfy and wearing really well.

I gave them a try as I could have always just used them as day to day trainers if I didn't get on with them.

So good, I ordered a second pair which are in the wardrobe for the summer, shiny and new!!

Ganga

enthusiasticsaver said:

trevjl said:

We still have one of those old dial type. I set it and take to knob off to avoid the thermostat wars !!! Heating allowed on 1st November, if you're cold put something thicker on is my normal statement. hence my £63 a month bill, harsh man that I am   

Yes I would do that but we have one of the new digital displays so not able to take any knob off.  DH recently recovering from open heart surgery so that could account for him always feeling cold at the moment.  I bought him a throw to stick over his legs if sitting on the sofa in the evening and that is my classic go to response to him feeling cold.  I don't think 20 degrees is too low but he often turns it up to 22. 

I do not know your financial situation BUT why be cold if you can afford to turn the heating up ,most people are of a certain age on this forum and do not have many years left so why scrimp on basics like heating ! might as well stop eating and still be able to brag about how much capital they have . 

ex-pat_scot

Sea_Shell said:

After running in ASICS for years, my current pair are own brand Decathlon and are super comfy and wearing really well.

I gave them a try as I could have always just used them as day to day trainers if I didn't get on with them.

So good, I ordered a second pair which are in the wardrobe for the summer, shiny and new!!

It is certainly MoneySaving to find a decent brand, then stock up at sales time!

I have many injury-free years of running in neutral Brooks trainers, so buy last year model shoes from places like start fitness etc.
Like you, I will test-buy a pair of new brand ones and see if I get on with them, before committing to the style / brand 

trevjl

Ganga said:

enthusiasticsaver said:

trevjl said:

We still have one of those old dial type. I set it and take to knob off to avoid the thermostat wars !!! Heating allowed on 1st November, if you're cold put something thicker on is my normal statement. hence my £63 a month bill, harsh man that I am   

Yes I would do that but we have one of the new digital displays so not able to take any knob off.  DH recently recovering from open heart surgery so that could account for him always feeling cold at the moment.  I bought him a throw to stick over his legs if sitting on the sofa in the evening and that is my classic go to response to him feeling cold.  I don't think 20 degrees is too low but he often turns it up to 22. 

I do not know your financial situation BUT why be cold if you can afford to turn the heating up ,most people are of a certain age on this forum and do not have many years left so why scrimp on basics like heating ! might as well stop eating and still be able to brag about how much capital they have . 

Nothing to do with finances TBH. I have difficulty getting through that if you turn the thermostat up to 35 the house will not heat up any quicker and if it were to achieve the impossible and reach 35 you would be moaning its too hot. !!!