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  1. Skeptic

    What's the best move for a car in this 'market'?

    Real food for thought in this thread folks. Genuinely very grateful! Would the ‘engine’ light come on with any of the potential causes above?!
  2. Skeptic

    What's the best move for a car in this 'market'?

    All, My 2012 Focus Titanium (102k miles) has today had a problem. I think it's the gears - the car has a strange grinding noise when accelerating, it is hard to get it in to gear, and it feels as though it's going to stall when idle. I've not yet contacted a garage, so this might be premature...
  3. Skeptic

    20 years - a stroll down memory lane

    I (as in me [myself {the entity that goes by “me”}]) like this thread (on OcUK [a computer forum {on the internet}]).
  4. Skeptic

    Any electricians who could advise?

    Solved. Thanks for thoughts, found the answer. £10 to MSF! Hoping there’s a competent electrician who can help with this. Will make a donation to a charity of choice - not trying to get something for nothing here! Room has one dimmer switch. Took down the ceiling rose and the wiring was a...
  5. Skeptic

    Stock market tracker funds

    Ever wonder that the conventional wisdom about index funds was only true ‘pre’ the droves of current retail customers? Every forum/Twitter thread/Reddit page just says the same thing now, as though it’s infallible. To me it warrants a slightly more sceptical stance - has there ever been a time...
  6. Skeptic

    Why do we run, is it good for you?

    Sorry to say, if your legs and insides are burning after running a couple of miles, you might be unfit and/or doing it wrong. Most running should be conversation pace. I run because it’s easy, free, good to escape, good for relaxation, good to listen to a book or podcast, has an active and...
  7. Skeptic

    Pokemon card value?

    Just piggybacking here: I have a stalker coin, any idea how much that would be worth? Thanks. Edit: only 100 made so I'm expecting lots.
  8. Skeptic

    Images of items I have purchased (except trainers)

    I've followed the espresso thread for many years - and have a pretty decent pour over setup. What would you say was a better setup for espresso based drinks? I've been eyeing the sage stuff for a while... For the same or similar price!
  9. Skeptic

    Trading the stockmarket (NO Referrals)

    Thank god I kept at least one share - thank you GDWN :o
  10. Skeptic

    Trading the stockmarket (NO Referrals)

    God fricking damnit Greggs!!!
  11. Skeptic

    James Randi has died

    I saw James Randi at a grocery store in Los Angeles a few days ago. I told him how cool it was to meet him in person, but I didn’t want to be a douche and bother him and ask him for photos or anything. He said, “Oh, like you’re doing now?” I was taken aback, and all I could say was “Huh?” but he...
  12. Skeptic

    Women at this time of the year

    Bingo big dog x
  13. Skeptic

    Women at this time of the year

    Personal feelings on a pc forum on a Saturday after a few sherbets? Check. Using outdated and offensive terms like 'mental'? Check. Realising you are a clown for moaning about the missus without being a grown up and communicating coherently? Check.
  14. Skeptic

    House prices rose 7.3% this year, average now almost £250k

    Sutton Coldfield and Harborne would beg to differ!
  15. Skeptic

    TSB - Interest Rates on Plus Account now at 0%

    There is major downside risk with an S&S ISA, even with Life Strat 80/20. I’m not saying it wont come good, but it might not. Has passive investing survived a previous pandemic such as the current one? I do agree that over a long enough time frame the markets go up, but it might be 5 years...
  16. Skeptic

    Is it a really bad idea to buy a house right now?

    I agree - but this is one of the reasons that I disagree with trying to predict macro trends to make micro decisions. One of the posts in this thread said "absolute worst time to buy", and while that might be true in some locations, or for some particular strata of the market, it is by no means...
  17. Skeptic

    Is it a really bad idea to buy a house right now?

    Ha, yeah you are right, it was just a list of things which came to mind, and your thoughts are of course true too. I just feel that you can mind-**** yourself into never making big decisions ‘just in case’, and concentrating on the macro picture is often a net-negative. Buy a lovely house, in...
  18. Skeptic

    Is it a really bad idea to buy a house right now?

    I should say, for context. I bought a house in 2015 for £209k, sold it during lockdown for £290k. I'm just about to complete on a £500k property, so you might say I'm in a similar position to you. 5 years ago I fixed at 5% as I was sure that things were going to get worse. What a mistake that...
  19. Skeptic

    Is it a really bad idea to buy a house right now?

    Your calculations are broadly fine, but what happens over the next 1800 days remains to be seen. What if you break up and are a forced seller in a down market? What if they decide to adopt universal basic income and everybody gets money meaning the housing market booms? What if they put a...
  20. Skeptic

    Is it a really bad idea to buy a house right now?

    For every seller there is a buyer who must (for whatever reason) hold a counter view. With respect - you might be correct, but you might be utterly, embarrassingly wrong. Making hyperbolic statements like 'literally the worst time to be buying' and 'all buyers are desperate' makes you look...
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