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>> No. 7464 Anonymous
24th February 2019
Sunday 3:15 am
/£$€¥/7464 spacer
I've come to seek some very serious financial advice. I'm in my mid thirties but I've never borrowed a penny from an official institution. I'm not quite a pikey but I'm not that far removed if I'm being honest. I've grown up in a culture of working for cash and buying things for cash. Debt is a dirty word in my family and I've always lived within my means.

I've been quite frugal over the years and have managed to put together about 90k in savings. My employment history is sketchy at best and although I've been working since I left school, there are some serious gaps in the official records when it comes to my income.

For the past six months I've been self employed with about 80k a year coming in. All declared and above board.

I've always assumed that I couldn't get a mortgage and I'm still doubtful but I thought it might be worth asking some strangers whether I'm right.

My current overheads are pretty low and at a push I can save a good few grand a month after tax and rent etc. That means I could potentially have a lot more in the bank in the near future.

I desperately want to own a house and I know I could buy something tiny in a shit place with the money I have but I've recently been wondering what I could get if a bank would lend me a big chunk. I don't want anything fancy but it would be nice to have some space in a nice area.

As I said I know nothing about debt so my main questions are do I have any chance of getting a mortgage with only 6 months of official financial stability (and no credit history), and if so, how much would they lend me with 90ish as a deposit?


Message too long. Click here to view the full text.
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>> No. 7467 Anonymous
24th February 2019
Sunday 9:45 am
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>>7466
Seconded for r/ukpersonalfinance , there's some absolutely stellar advice given there on this sort of thing.
>> No. 7468 Anonymous
24th February 2019
Sunday 10:32 am
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>>7464
Okay - a mortgage broker will definitely help as they will have actual offers from lenders. I can recommend Charles Cameron.

There are three variables to a mortgage - how much you earn (£80k), how much deposit you have (£90k) and how affordable your monthly payments are going to be. On the downside, you're self-employed, which means you have to do a little bit more proving you can still earn that much in the future. Your £90k deposit is a very good upside though. You can generally borrow between 3x and 5x your earnings depending on how dependable they are and the lender/offer.

On the affordability side, the general rule of thumb is you should be spending no more than 28% of your monthly income after tax is paid, which for you is about 1200 quid per month. The last variable is how many years you are taking the mortgage for, this varies between 10 and 30 years. Based on all that I would think you could be getting a mortgage of about £250k which added to your deposit means you can buy a property of £300k-ish.

You should get a mortgage that allows you to overpay - if you're as good a saver as you say, this means that you can overpay it every month, which dramatically shortens the term. There are mortgages (offset mortgages) that also allow you to keep your savings and balance the mortgage against it - again, a broker will help here as they can get actual offers to talk about.

When you speak to a broker, and they talk to lenders, you'll have to do some extra work because of being self-employed and the fact that rules have tightened up around affordability recently, but you have a good deposit and that really helps.
>> No. 7875 Anonymous
25th May 2020
Monday 4:24 pm
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>>7466
>It might be worth getting a credit card and spending a bit each month, making sure it's paid off in full to avoid interest. It's an easy way to demonstrate that you manage money well. Having no evidence of debt management can be a negative thing, I suppose the logic is 'if we can't see you managing small debts, we're unsure about your personality with larger debts'.

Bumping this thread because I'm curious of how true it is. Like OP I've always avoided debt (student loan aside) and I've got more to show as a result because I've never paid interest and always had sizeable savings for anything that goes wrong. Plus I didn't want to be enslaved to debt in my youth.

It seems like something that would be more applicable to the American market but numerous older people told this to me growing up, that I should just buy things on credit and then pay them off because it's essential to home ownership. It would be satisfying to know that these people were idiots.
>> No. 7876 Anonymous
25th May 2020
Monday 4:38 pm
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>>7875

>It would be satisfying to know that these people were idiots.

Unfortunately not. The files held by credit reference agencies only include information on credit you've taken out. If you've always avoided debt, then lenders have very little information on your ability to reliably repay it. You might be very prudent, or you might have avoided debt because you're bad with money know that you'd get into trouble. Small, occasional borrowing that is reliably repaid proves that you can be trusted with a bigger loan. Your energy and phone bills do go on your credit file, but it's useful to have some other borrowing history to give lenders more information.

Besides that, if you're good at managing money you can substantially benefit by using rewards credit cards for your spending - you'll get cashback or vouchers for free, just for buying what you would normally buy.

https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/
>> No. 7877 Anonymous
2nd June 2020
Tuesday 1:57 am
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>>7467
Thirded. The basic info provided there is a really good for anyone starting to get serious about tackling their money situation. The same advice can be found elsewhere, but it's fairly clear and concise and makes for a good springboard to learn more. It's like a beginners work out guide, the hard part isn't to Do The Thing, it's to stick with it and some people just drew the short straw and cannot do it. That's a different topic, though.


>>7876
At risk of being seen as tedious, but:
> you'll get cashback or vouchers for free

Free in the same way the NHS is "free" at the point of use. The payment operators take a cut of every payment[1] you make and they offer those deals because it makes them money.

[1] They operate the infrastructure to support those payements, including anti-fraud etc., so they're not just "skimming off the top". In some ways it's a race to the bottom, however: vendors price in those premiums so either you make use of what you can get or you pay it anyway and don't.

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>> No. 12394 Anonymous
1st June 2020
Monday 11:18 pm
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Let's have a thread about artists and bands you thought would make it big but it never happened for them.


https://www.youtube.com/watch?v=LHZcj4txc7c

Protocol were dropped by Polydor in 2006 and split up not too long afterwards, with their debut album never released.

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>> No. 65554 Searchfag
29th May 2020
Friday 9:03 pm
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Is 2pac Shakur popular in Iran?
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>> No. 65555 Searchfag
29th May 2020
Friday 9:40 pm
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'it time to to fight back'
-That's Huey's Stand
>(a good day to you sir)
now Huey's banned
>> No. 65557 Searchfag
29th May 2020
Friday 10:07 pm
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>> No. 65559 YubYub
31st May 2020
Sunday 12:43 pm
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Lionel Ritchie is. They even use an acoustic guitar riff from his song "Hello" as part of their Shotwave Radio propaganda broadcasts. I'm not making this up. Tune in!

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>> No. 89773 Anonymous
24th May 2020
Sunday 2:30 pm
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Is the fuckwit gonna go or is he gonna cling on like a dingleberry?
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>> No. 89943 Anonymous
30th May 2020
Saturday 7:15 pm
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Did what a dad would do for his kid. It's absolutely nothing to do with his mastermind of Brexit and helping the Conservatives achieve the largest majority since Thatcher. Or was that Corbyn. Gonna be an overblown media frenzy made up bullshit backlash somewhere. And absolutely nothing to do with Mark Sedwill.

https://londonlovesbusiness.com/ian-blackford-mp-called-a-hypocrite-over-600-mile-trip-during-lockdown/
>> No. 89944 Anonymous
30th May 2020
Saturday 9:34 pm
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>>89942
Misery guts.
>> No. 89945 Anonymous
30th May 2020
Saturday 10:49 pm
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>>6158

Is this >>89942
>> No. 89946 Anonymous
31st May 2020
Sunday 9:49 am
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>>89943

How do you explain the trip to Barnard Castle, which coincidentally fell upon on his wife's birthday?

They knew they were in the wrong, his wife even wrote an article in the Spectator pretending to be isolating in London.

He broke the rules first time, by returning to work after feeling better rather than isolating for the correct amount of time.

Blackford is whataboutism.
>> No. 89947 Anonymous
31st May 2020
Sunday 9:57 am
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Man who reported second Dominic Cummings trip admits he 'made that up'

A man who claimed to have seen Dominic Cummings in Durham for a second time in April has admitted that he made it up, according to reports.

Tim Matthews said he altered figures on the popular Strava running app to make it look like he had seen Mr Cummings in Durham on April 19, after the PM's aide had returned to London from his first trip.

His claim was reported in the Guardian earlier this week. But he told the Mail on Sunday: "I made that up afterwards, a few days ago in fact. I modified it for a little bit of comedy value. I undid it later, I’m sorry. A bit of comedy value even if it was really inappropriate."


https://www.standard.co.uk/news/uk/dominic-cummings-second-trip-made-up-a4455501.html

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>> No. 4998 Anonymous
27th August 2013
Tuesday 12:41 am
/spo/4998 Wrestling thread
Here's your wrestling thread. I expect lots of YouTube videos of botches and Cena hating... I would also like more stories along the lines of how Orton shat in a handbag.

Pic is Dean Ambrose at czw getting sawed... Just like real wraslin' should.
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>> No. 8953 Anonymous
29th May 2020
Friday 7:39 pm
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>>8952

I normally respect rather than enjoy wrestling, but that was a beautiful bit of physical theatre.
>> No. 8954 Anonymous
30th May 2020
Saturday 1:42 am
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>>8952
Orange Cassidy makes no sense as a pro-wrestler as I understand it, his gimmick shouldn't work, but it does and kids love him. Guy is gonna be a star, because he has "it" whatever "it" is.
>> No. 8955 Anonymous
30th May 2020
Saturday 2:00 am
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>>5246
This post aged well.
>> No. 8956 Anonymous
30th May 2020
Saturday 10:47 pm
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>>8952

That video was adorable.
>> No. 8957 Anonymous
30th May 2020
Saturday 11:16 pm
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>>8956

True

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>> No. 6158 Anonymous
30th May 2020
Saturday 3:51 pm
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Let's say that all of your clothes were thrown out and you were given a budget of, say, up to £1,000 to get fully kitted out again. How do you spend it?
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>> No. 6171 Anonymous
30th May 2020
Saturday 8:45 pm
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Assuming I need a year-round wardrobe:

10 Uniqlo Oxford button-down long-sleeve slim fit shirts in white and light blue
One Uniqlo v-neck sweater in merino, one in lambswool
One Harris tweed or coarse worsted blazer, one corduroy blazer (sale or charity shop)
One pair of leather-soled brown half brogues, one pair of rubber-soled brown brogue boots (whatever Northampton brand is on sale or factory seconds, possibly charity shop find)
Two pairs of chinos, two pairs of cords, one pair of wool slacks (slim fit, whatever brand is on sale)
Cheapo ASOS Harrington jacket, wool pea coat from a charity shop
14 pairs of socks, boxer briefs and undershirts (light grey) from wherever is cheap, probably H&M
Fulton Ambassador umbrella
Some fat quarters of Tana Lawn fabric for handkerchiefs

I can sew, so I'd do my own alterations and add elbow patches to the sweaters and blazers. Yes, I am an extremely specific kind of twat.
>> No. 6172 Anonymous
30th May 2020
Saturday 9:18 pm
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>>6167
>Charles Wilson

What are these like? The pictures on Amazon suggest they're a bad shape and fit.
>> No. 6173 Anonymous
30th May 2020
Saturday 10:14 pm
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£25 to cover my bits and be decent. £50 on a helmet. The rest on a second hand YT Jeffsy. Fuck it, if it's that bad i'm sending it.
>> No. 6174 Anonymous
30th May 2020
Saturday 10:32 pm
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>>6172
Fits fine for me. Ultimately YMMV depending on body and whether you prefer v-necks.
>> No. 6175 Anonymous
30th May 2020
Saturday 10:38 pm
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>>6174
I prefer henley shirts, but I worry they'd look too much like a pyjama top.

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>> No. 8707 Anonymous
27th October 2014
Monday 6:03 pm
/beat/8707 Cover songs
The Pet Shop Boys' Always On My Mind has been voted the top cover version of all time in a BBC Music vote.

The song, written by John Christopher, Mark James and Wayne Carson, was first made famous by Brenda Lee and Elvis Presley in 1972.

Johnny Cash's cover of Nine Inch Nails' Hurt came in second place, followed by The Stranglers' version of Dionne Warwick's Walk On By. Jimi Hendrix's take on Bob Dylan's All Along The Watchtower came fourth. Jeff Buckley's cover of Leonard Cohen's classic Hallelujah completed the top five.


http://www.bbc.co.uk/news/entertainment-arts-29791820

Not keen on that version of Walk On By but I like the rest. I reckon I'd have to have a good think about my favourite covers and I'm sure I'd still forget some.
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>> No. 12360 Anonymous
28th April 2020
Tuesday 1:04 am
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>>12358
People made fun of me as a kid because I bit my lower lip when I drummed and I got self-consious and stopped, one of my biggest regrets, easily. This video confirms how far self-confidence can take you and it hurts.
>> No. 12361 Anonymous
28th April 2020
Tuesday 1:08 am
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>>12358

I listened to them when I was about 12 or 13, it has genuinely never occurred to me that they'd still be going. Next you'll tell me Papa Roach has a cult following in Latin America or something.

But yeah I think it's serious. I would suggest he's probably on summat though.
>> No. 12362 Anonymous
28th April 2020
Tuesday 2:48 am
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>>12361

>Papa Roach has a cult following in Latin America or something

They're still massive in Germany.


>> No. 12388 Anonymous
24th May 2020
Sunday 1:25 pm
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Probably the highlight of the last series of Black Mirror, which I realise is damning it with faint praise.


https://www.youtube.com/watch?v=UvLceBjnG3w
>> No. 12389 Anonymous
30th May 2020
Saturday 10:21 pm
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>>12288
They've now uploaded a non-live version.


https://www.youtube.com/watch?v=LcI8sfwxvIs

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>> No. 25111 Anonymous
27th May 2020
Wednesday 2:32 pm
/news/25111 Demo 2 launch
If the weather gods favour us, this will launch today at 9.33pm - carrying two humans to ISS.

If it launches and the weather is clear, we might also see them from the UK about 20 minutes in.
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>> No. 25185 Anonymous
30th May 2020
Saturday 5:27 pm
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>>25177
>> No. 25186 Anonymous
30th May 2020
Saturday 6:02 pm
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Right can I see this one in the sky and where do I look?
>> No. 25187 Anonymous
30th May 2020
Saturday 6:17 pm
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>>25186
Probably not. Too bright on the first pass at around 20:40, and it'll be very low on the horizon for the second pass at around 22:15. Look southwest from an elevated position in dark surroundings at the second pass for your best chance.
>> No. 25188 Anonymous
30th May 2020
Saturday 6:38 pm
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>>25187
Thank you - are they docking or are they just spinning round for a bit and coming back?
>> No. 25189 Anonymous
30th May 2020
Saturday 6:49 pm
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Sage because there's UFO's and Elon Musk doesn't do pan dimensional gravity/time manipulation engines.

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>> No. 29688 Anonymous
29th May 2020
Friday 1:59 am
/emo/29688 Red Dwarf - Psi-Moon
What would your psi-moon look like? What monsters lurk within your psyche? What demons born from neuroses would be made flesh?

Here's the script if you're unfamiliar with the episode: http://www.cervenytrpaslik.cz/scenare/EN-27-5_Terrorform.htm
Here's the episode: https://www.dailymotion.com/video/x6t4c1g
Here's an explanation of the concept: https://reddwarf.fandom.com/wiki/Psi-moon
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>> No. 29695 Anonymous
29th May 2020
Friday 5:40 pm
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>>29694
If you didn't like the first series then I don't think you'll like the rest of it I'm afraid. The humour remains much the same; torturously long similies, Lister is disgusting, etc.

In my opinion it's never been gut-bustingly funny, it's always been a little bit crap in a charming way, but if you're already turned off then forget it.
>> No. 29696 Anonymous
29th May 2020
Friday 5:41 pm
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>>29694

There's a massive shift in the whole show between series two and three. If you don't like it by the end of series three then you probably won't like any of it.
>> No. 29697 Anonymous
29th May 2020
Friday 8:13 pm
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>>29696
Yeah but the shift is from comedy towards sci-fi, so it doesn't help with the lad's initial problem of not finding it funny.
>> No. 29698 Anonymous
29th May 2020
Friday 8:31 pm
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>>29697

Interesting. I always felt that it moved from being sci-fi driven sitcom to being a sitcom with sci-fi elements. The humour definitely moves towards the crasser Goalpost head, novelty condom head, "deader than A-line flairs with pockets in the knees" etc etc. rather than the "two men lost in space" odd couple humour of the first two series.

I'd definitely say series 3 onwards is a lot more accessible and similar to mainstream comedies than the first two.
>> No. 29700 Anonymous
30th May 2020
Saturday 12:40 pm
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I feel as though it's pointless thinking about such things because it's essentially observing the observer. The result is always going to be biased even if you're a buddha(?).
Don't get me wrong, I'd love to understand myself - i just don't think you could do it by imagining your perfect horror. We're already living it in our responces to reality and overarching fear of death, and all that shit.

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>> No. 65552 Anonymous
28th May 2020
Thursday 9:05 pm
/iq/65552 FITE
I've had enough of you cunts. Fuck this lockdown, fuck this virus, fuck those dick splash masks everyone is wearing, I want a fight. Like in real life.

come at me bro
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>> No. 65553 Anonymous
28th May 2020
Thursday 10:23 pm
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Strip yourself naked, cover yourself in butter and cough at a policeman.
>> No. 65556 Searchfag
29th May 2020
Friday 9:57 pm
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Sorry about this lads, was in a fighting mood yesterday.

I actually love everyone.
>> No. 65558 YubYub
30th May 2020
Saturday 1:37 am
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>>65556
S'all right lad, it's pissin hot innit. We understand.

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>> No. 437263 Anonymous
28th May 2020
Thursday 3:28 pm
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I am very warm today.
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>> No. 437264 Anonymous
28th May 2020
Thursday 3:40 pm
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It's fine for me, live on the second floor on a road junction, plenty of air circulation. Have you considered spraying yourself with a mister?
>> No. 437265 Anonymous
28th May 2020
Thursday 3:47 pm
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>>437264
>Have you considered spraying yourself with a mister?

Aren't all the cottaging sites closed at the moment?
>> No. 437266 Anonymous
28th May 2020
Thursday 9:38 pm
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I've been lying under a tree all day.
>> No. 437267 Anonymous
28th May 2020
Thursday 11:59 pm
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We're nearly at the 10 year mark. Fishing and KFC outing anyone? Only 6 of us at once, mind.
>> No. 437268 Anonymous
29th May 2020
Friday 10:31 am
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>>437266
You shouldn’t tell porkies.

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>> No. 29674 Anonymous
19th May 2020
Tuesday 2:12 pm
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I am going to have a first (phone) appointment with Able Futures next week. Does anybody know anything about them? I am evaluating what I should and what I should NOT tell them, since they will be paid by my employer.
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>> No. 29677 Anonymous
19th May 2020
Tuesday 3:21 pm
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>>29675

A first interview for therapy sessions. They provide free therapy paid for by the gov’t if you are employed.
>> No. 29678 Anonymous
19th May 2020
Tuesday 5:02 pm
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The Able Futures service is funded by the DWP, not your employer. The service is completely confidential and you don't even have to tell your employer that you're using the service. They will only break that confidentiality if you disclose that you have committed or intend to commit a violent or sexual crime.

https://able-futures.co.uk/mental-health-support-for-individuals/
>> No. 29684 Anonymous
27th May 2020
Wednesday 6:22 pm
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>>29678

Alas, the Able Futures ended up being completely worthless. I have to save my penny and pay for a private therapist. Shame on me for assuming that there was such a thing as free mental healthcare. In picture, me.
>> No. 29685 Anonymous
27th May 2020
Wednesday 6:54 pm
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>>29684
I don't know what the provision is like in your area, but both myself and my partner got mental healthcare through the NHS through referral from a GP. Long wait times, but they offered an 8 week course of talking therapy which I guess could be helpful if your mental health issues aren't too bad.
>> No. 29686 Anonymous
27th May 2020
Wednesday 7:05 pm
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>>29685

I guess it depends on the area. When I tried they took about one year to call back. At that point I was going to move out of the area soon.

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>> No. 13323 Anonymous
24th May 2020
Sunday 8:40 pm
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How do I up my egg mayonnaise game? Current preference is:-

- Boiled eggs
- Mayonnaise (Heinz Seriously Good)
- Salt
- Pepper
- Cress
- Lightly toasted bread

I want to take it to the next level.
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>> No. 13331 Anonymous
26th May 2020
Tuesday 10:55 am
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>>13329
Polish 'majo' is way better than the shite over this side of Europe anyway. Get yourself some of the Winiary stuff in your world foods aisle. That said, it's probably because it comes with mustard already in it.
>> No. 13332 Anonymous
26th May 2020
Tuesday 11:17 am
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>>13331
I often find the world section has decent alternatives to well known brands but I wonder if the standards are there. GMOs, animal welfare, etc.
The logo looks suspiciously like Maggi's, but according to wikipedia they're unrelated.
>> No. 13333 Anonymous
26th May 2020
Tuesday 11:18 am
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>>13332
>> No. 13335 Anonymous
26th May 2020
Tuesday 11:55 am
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>>13332
>The logo looks suspiciously like Maggi's
Is your name Dominic Cummings?
>> No. 13336 Anonymous
26th May 2020
Tuesday 9:11 pm
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Japanese mayonnaise is really quite spectacular, Kewpie is the brand you'll most likey find over here.

It goes without saying that better eggs and bread will also help your sarnie along. The former perhaps not as important once smothered in mayo.

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>> No. 5148 Anonymous
27th January 2015
Tuesday 10:24 pm
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Do you own any artwork?

There's an original Rolf Harris painting on eBay for £2.20, which I'm considering bidding on while everyone else is put off BT him being a filthy noncecase.

Look at this on eBay:

http://pages.ebay.com/link/?nav=item.view&alt=web&id=111583864967
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>> No. 5593 Anonymous
26th May 2020
Tuesday 9:11 am
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>>5589

The price is right. Isn't like they are being delusional with their value.
>> No. 5594 Anonymous
26th May 2020
Tuesday 10:15 am
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>>5593
The elephant squirting a rainbow out of its trunk haunts me.
>> No. 5595 Anonymous
26th May 2020
Tuesday 11:00 am
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>>5594
The cow might be passable with larger brush strokes.
>> No. 5596 Anonymous
26th May 2020
Tuesday 6:48 pm
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>>5589
Some of these aren't half bad.

Probably because of covid this is the first time she's picked up a pen in years, she just needs to avoid the childish and cartoony animal pics, and focus on the landscapes and the more abstract stuff like the giraffe and cow in these ones: >>5594

The price for the better ones is fine as long as those frames are included.
Anyway at the end of the day art is worth what people will pay for it, I'd rather have one of these on display in my house than the tacky mass-produced prints they sell in shops like the Range for twice the price.
>> No. 5597 Anonymous
26th May 2020
Tuesday 8:53 pm
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Got a link? I wonder if she'd have a go drawing my fursona smashing Judy Hopps up the wrong 'un in the ZPD locker rooms.

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>> No. 65537 Auntiefucker
26th May 2020
Tuesday 4:32 am
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Lads. I'm not being funny here. Honestly right. Do you ever have a massive shit but then when you look down the turd as fucked off round the u-bend and you just feel cheated? You'll never know how big your brown beefy was.

Twice in a week this has happened and I'm fuming.
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>> No. 65538 Crabkiller
26th May 2020
Tuesday 9:09 am
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Sounds like you need to get a bucket to shit in.
>> No. 65539 Are Moaty
26th May 2020
Tuesday 11:06 am
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m8 what is wong with you? Shit in the shower like the rest of us.
>> No. 65540 R4GE
26th May 2020
Tuesday 4:42 pm
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You mean you don't put down a carefully layered support structure out of toilet paper before you unload?

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>> No. 65541 YubYub
26th May 2020
Tuesday 5:38 pm
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Rather that than turds too big to flush. I never shit at someone else's house for this reason.

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>> ID: 1aeb7c No. 15354 Anonymous
26th May 2020
Tuesday 11:31 am

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/nom/ seems to be the only board with this youtube embed option in the reply box. I'm not missing it elsewhere, just thought I'd mention it.
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>> ID: 27795d No. 15355 Anonymous
26th May 2020
Tuesday 12:05 pm

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I am, why can't it be embedded everywhere?
>> ID: 6c0fdd No. 15356 Anonymous
26th May 2020
Tuesday 12:49 pm

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You bastard, I clicked on the image to close the reply box I thought had popped up.

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>> No. 437242 Anonymous
25th May 2020
Monday 2:08 pm
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What's up with all the Mozzies lately? Normally they leave me alone but I've been bitten 4 times over the last week.

I find the best method is to leave a fan on. They're poor flyers and follow carbon dioxide so a strong fan going seems to keep them at bay. Greta-lad will soon find me though and give me a stern talking to.
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>> No. 437243 Anonymous
25th May 2020
Monday 2:20 pm
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>>437242
I think it's like the rats appearing everywhere - there must be some reason to do with lockdown that they are appearing.

Also, it must be flying ant day soon - the fucking bastards!
LADS WAR IS COMING
>> No. 437244 Anonymous
25th May 2020
Monday 3:27 pm
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Less disturbed grass that can hold standing water, less air pollution, more mosquitoes.

Fewer restaurants chucking out food, rats come looking for food near your house.

Just a theory anyway.
>> No. 437248 Anonymous
25th May 2020
Monday 8:49 pm
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>>437244 Around here, it rained an absurd amount over the winter, and barely froze. It then snapped into a continuous dry spell, so there's a fair amount of warm standing water, that hasn't been refilled / overtopped, ideal mozzie territory. The lack of frost may account for some of the extra rats. It's like bloody watership down here, baby bunnies everywhere, which I suspect is related to the warm winter not killing enough of them off. They're cute, but the fuckers eat everything.

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>> No. 8896 Anonymous
10th May 2020
Sunday 12:59 am
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I started cycling when the lockdown started and my fitness levels have reached a point where I now actually look forward to cycling every day, so I'm looking to upgrade my bike to something a bit faster.

I currently have a touring bike with flat handlebars that weighs about 16.5kg and I think I'd like something lighter and racier with drop handlebars. What can I get for around £300 or less on the used market? Are there any good places to look for bikes aside from ebay/gumtree/facebook?
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>> No. 8942 Anonymous
25th May 2020
Monday 5:05 pm
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>>8941

It looks like you've got an older type of handlebar stem called a quill stem. Accu will sell you a replacement bolt for a couple of quid if you can figure out what size you need, but a new stem will only set you back about £15.

https://www.accu.co.uk/en/159-cap-head-screws

https://www.sjscycles.co.uk/stems/humpert-cattube-1-inch-quill-stem-254mm-clamp-blacksilver-40mm-height-230mm/
>> No. 8943 Anonymous
25th May 2020
Monday 5:10 pm
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>>8941
I can't quite tell what sort of stem that is, can you post a pic from the side?

I think it's what's called a quill stem, it might be easier buying a whole new one than trying to get a new bolt.
Or alternatively you can get a convertor like below, then you would also need to get a new stem to go with it.
https://www.ebay.co.uk/itm/BLACK-STEM-CONVERTER-1-Forks-22-2m-QUILL-to-1-1-8-28-6mm-AHEAD-Bike-Bicycle/382585070775?hash=item5913d8e4b7:g:qIQAAOSwwghdVpSU
>> No. 8944 Anonymous
25th May 2020
Monday 5:10 pm
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>>8942

If you're on a tight budget, you can get a Chinesium stem for six quid on eBay.

https://www.ebay.co.uk/itm/80MM-HYBRID-TOWN-BIKE-BICYCLE-QUILL-STEM-1-BLACK-NEW-FREE-P-P/274286279050
>> No. 8945 Anonymous
25th May 2020
Monday 5:33 pm
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>>8944
Ordered this (the bike is barely worth anything), will let you know how I get on.

Cheers lads.
>> No. 8946 Anonymous
25th May 2020
Monday 6:09 pm
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>>8945

>Cheers lads.

Chads.

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>> ID: 3990e4 No. 15320 Anonymous
8th April 2020
Wednesday 6:02 pm

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When I click view on the >>news/23797 Corona virus thread it only shows up to post 23868 but otherwise if I click expand then it displays everything up to post 23895.

That said, if I check the >>shed/13515 silly sausage thread and click view then it shows the entire thread - so I think something has broke on the news board.

I am using Firefox 64bit v75 on Windows 10.
Same thing happens on whatever version of safari iPads are on these days.
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>> ID: 607023 No. 15349 Anonymous
25th May 2020
Monday 11:54 am

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>>15347
>BTW fuck webp it's entirely useless.

It's a pretty good alternative to animated gifs, which are a bizarre inefficient dinosaur of a format.
But for stills though, yes it's utterly pointless. There's an argument that they save a bit of space when compared to an equivalent quality .jpg, but it's spare change in an age where every other website is packed full of autoplay videos.
>> ID: e417e3 No. 15350 Anonymous
25th May 2020
Monday 12:18 pm

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>>15349

Up until now I had assumed it was just some sort of image format DRM that stops me being easily able to save images off Google to repost on imageboards.
>> ID: 607023 No. 15351 Anonymous
25th May 2020
Monday 4:04 pm

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>>15350

I'm not a computer magician but I think the only thing preventing them from working on Brian would be one line of code that contains the valid file types it will let you upload. Brian doesn't need to be able to decode the image itself, because that's done on our end in the browser, and that shouldn't be a problem for anyone who's updated their browser in the past 5-10 years.

Regarding DRM on images, one thing I've found that many websites do, either intentionally or otherwise, to stop people from being able to save images is to hide the image itself underneath a transparent layer so right clicking doesn't let you save the image. There is a workaround although it can be a bit of a pain in the backside, in Chrome, right click on the image and click "inspect", and using that function you can break the page down and find the url to the actual image.
>> ID: 607023 No. 15352 Anonymous
25th May 2020
Monday 5:20 pm

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>>15351

*I just thought, adding in a new file type could possibly bugger up the scaling for thumbnails maybe?
>> ID: ce5a5e No. 15353 Anonymous
25th May 2020
Monday 5:45 pm

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You can just delete the .webp bit, right? Is there another issue or am I posting on Mumsnet by mistake again?

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>> No. 89742 Anonymous
23rd May 2020
Saturday 7:27 am
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Is he going to fuck it up even more than Hillary?
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>> No. 89769 Anonymous
24th May 2020
Sunday 10:52 am
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>>89767
I knew someone would post this eventually.
>> No. 89770 Anonymous
24th May 2020
Sunday 11:00 am
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>>89763

Well... Not quite. They still have their Old Money types, and if you're not part of that OG Colonial Crackas club you'll never be in it, even if you're the President of the United States. This is a large part of the reason the US establishment has vilified Trump, he's not part of that old reptilian aristocracy, even if he's filthy fucking rich. There's a reason Tiger Woods was fair game for wholesale press slander, and it's the same reason premiership footballers and celebrities over here are. Filthy rich, but still working class.

Even so, money still makes enough of a difference to make almost any and all racially, sexually or gender based discrimination complaint utterly irrelevant. I'm reminded of the thing we have over here where West Ham fans chuck bananas at black players. I heard one of those players speaking at an interview and he said, with a degree of frankness the interviewers weren't expecting, that it's hard to let insults like that get under his skin when he earns more in a week than many of those people do in their lives.

Money changes the balance of power. If I'm a middle class white guy, and I called the black CEO of an oil company a monkey, the balance of power is squarely in his favour because he is so rich. Calling him a monkey is no longer punching down like it would be if I called a street youf from East London the same thing.

>>89766

That's what I already alluded to in mentioning the strong streak of traditional conservatism amongst US black and British Asian demographics. They certainly have their reasons- With black folks it's because they desire the most freedom possible and least inSURFerence from white men in government. In British Asians it's because they want the freedom to lock their women in cupboards or exploit the workers in their carpet emporium.

But the case is still pretty strong that being conservative when you're poor is in fact a sign you're thick.
>> No. 89771 Anonymous
24th May 2020
Sunday 11:34 am
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>>89770

>inSURFerence

Never change, .gs.
>> No. 89772 Anonymous
24th May 2020
Sunday 2:07 pm
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>>89771

I think Brian could do with learning about RegEx \bword\b boundaries, though.
>> No. 89841 Anonymous
25th May 2020
Monday 12:27 pm
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>>89762
>It's also possible to be very, very rich at the same time as being gay or black. Possibly even both.
Yes, and the Democratic party exists to represent the interests of very, very rich social liberals/minorities, while the Republican party exists to represent the interests of very, very rich social conservatives/WASPs.

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