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by Lowbankclaret
Mon Jan 25, 2021 12:49 am
Forum: The Bee Hole End
Topic: Lance
Replies: 8
Views: 319

Re: Lance

HunterST_BFC wrote:
Mon Jan 25, 2021 12:23 am
It is not the full story.

Better made accounts out there to watch.
Which ones??

Think I have read most of them. But always ready to read more.
by Lowbankclaret
Sun Jan 24, 2021 11:59 pm
Forum: The Bee Hole End
Topic: Lance
Replies: 8
Views: 319

Re: Lance

He may have been a great athlete, but we'll never know. Sorry Huw !!! Well he was, if you read what he did as a I young bloke completing triathlons at 15 and beating pro adults . Teammates who were at the top of their profession and doing the same drugs on the same team could not keep up with him.
by Lowbankclaret
Sun Jan 24, 2021 11:51 pm
Forum: The Bee Hole End
Topic: Lance
Replies: 8
Views: 319

Re: Lance

Good programme that details his early life, follows just about everything I have read in the past. Detailing all the drugs he took and when, that more detail than I have read before. Think it’s probably more detailed than before, I just wonder if it will tell the effects of EPO had on the riders tha...
by Lowbankclaret
Sun Jan 24, 2021 10:30 pm
Forum: The Bee Hole End
Topic: Lance
Replies: 8
Views: 319

Lance

A new programme on BBC 2.

Been debated on here before, but he was a great athlete.
by Lowbankclaret
Thu Jan 21, 2021 10:04 pm
Forum: The Bee Hole End
Topic: Barnes
Replies: 73
Views: 3223

Re: Barnes

Wellsy1882 wrote:
Thu Jan 21, 2021 10:00 pm
Hes had 1 good game all season
Dont get too far ahead
Yep drag them down to n a good night.
Are you really a claret?
by Lowbankclaret
Thu Jan 21, 2021 9:56 pm
Forum: The Bee Hole End
Topic: Barnes
Replies: 73
Views: 3223

Barnes

For all those who wanted to drop him F U A
by Lowbankclaret
Thu Jan 21, 2021 11:53 am
Forum: The Bee Hole End
Topic: 12 years ago
Replies: 55
Views: 2308

Re: 12 years ago

It was a great night and a very memorable game. I was so convinced we would get to the play off final at Wembley that season after walking off that night. I rang intack the next day and booked a mini bus for play off final day. Lots of people thought I was mad on our street, they were all thankful w...
by Lowbankclaret
Tue Jan 19, 2021 2:10 pm
Forum: The Bee Hole End
Topic: The Serpent
Replies: 30
Views: 1824

Re: The Serpent

Yes I've been following this every week, it is certainly well produced, and by and large the acting is decent, Jenna Coleman in particular is an enigma, one minute I find myself feeling sympathy for her character, then the next minute I think what the hell are you doing luring potential victims bac...
by Lowbankclaret
Tue Jan 19, 2021 2:06 pm
Forum: The Bee Hole End
Topic: The Serpent
Replies: 30
Views: 1824

Re: The Serpent

She was good in it, though there was a point during watching the Serpent that it looked as though she’d developed a five o’clock shadow on the top lip! From that point on, I could do nothing but look at her moustache. Unbelievable that someone could get away with so much, for so long and that autho...
by Lowbankclaret
Mon Jan 18, 2021 12:12 pm
Forum: The Bee Hole End
Topic: Steve Cotterill
Replies: 46
Views: 3444

Re: Steve Cotterill

Having had it for three weeks and feeling my lungs to be shrinking on a daily basis, it was such a relief a week ago that things took a turn for the better for me. I never experienced physical pain but in the back of my mind, I was starting to panic a little, that I could get myself into a bit of a...
by Lowbankclaret
Sat Jan 16, 2021 6:34 pm
Forum: The Bee Hole End
Topic: Whisky Investment
Replies: 9
Views: 825

Re: Whisky Investment

Vegas Claret wrote:
Sat Jan 16, 2021 5:11 pm
as much as he can as quickly as possible :D
In that case, National Lottery or the bookies.
by Lowbankclaret
Sat Jan 16, 2021 5:08 pm
Forum: The Bee Hole End
Topic: Whisky Investment
Replies: 9
Views: 825

Re: Whisky Investment

MRG wrote:
Sat Jan 16, 2021 1:14 pm
Do any of you own any Whisky casks? I’ve just been reading an article suggesting great returns on purchasing shares in barrelled whiskys
What return are you looking to get and over how long?
by Lowbankclaret
Tue Jan 12, 2021 9:43 pm
Forum: The Bee Hole End
Topic: Burnley v Manchester United - Match Thread
Replies: 594
Views: 8140

Re: VAR comes good

RalphCoatesComb wrote:
Tue Jan 12, 2021 9:18 pm
Maguire pushed Pieters before heading the ball. Foul. No goal. Good result
Could post 100 clips of Burnley’s given just like that.
by Lowbankclaret
Tue Jan 12, 2021 9:14 pm
Forum: The Bee Hole End
Topic: Burnley v Manchester United - Match Thread
Replies: 594
Views: 8140

Re: VAR comes good

Shaw was a yellow no more.

Goal ruled out was wrong in my opinion.
by Lowbankclaret
Tue Jan 12, 2021 8:58 pm
Forum: The Bee Hole End
Topic: Burnley v Manchester United - Match Thread
Replies: 594
Views: 8140

Re: Burnley v Manchester United - Match Thread

box_of_frogs wrote:
Tue Jan 12, 2021 8:56 pm
Wasn’t VAR, I thought the ref gave it and VAR agreed?
Still wrong, good goal. We would be fuming if Barnes scored that.
by Lowbankclaret
Tue Jan 12, 2021 8:54 pm
Forum: The Bee Hole End
Topic: Burnley v Manchester United - Match Thread
Replies: 594
Views: 8140

Re: Burnley v Manchester United - Match Thread

And then VAR gets it wrong.
Good goal for me.
by Lowbankclaret
Tue Jan 12, 2021 8:51 pm
Forum: The Bee Hole End
Topic: Burnley v Manchester United - Match Thread
Replies: 594
Views: 8140

Re: Burnley v Manchester United - Match Thread

Shock news.
VAR gets a decision right.

Not a red for Shaw but yellow correct.
by Lowbankclaret
Tue Jan 12, 2021 7:50 pm
Forum: The Bee Hole End
Topic: Interesting addition to the West Ham board of directors
Replies: 4
Views: 877

Interesting addition to the West Ham board of directors

West Ham appoint an ex-PORN STAR to their board

Think the players will be kept happy, she must have the correct contacts.
by Lowbankclaret
Tue Jan 12, 2021 11:36 am
Forum: The Bee Hole End
Topic: Happy Birthday CT
Replies: 79
Views: 1683

Re: Happy Birthday CT

Happy Birthday Tony.
by Lowbankclaret
Mon Jan 11, 2021 10:24 pm
Forum: The Bee Hole End
Topic: FAO Tradesmen.
Replies: 28
Views: 1341

Re: FAO Tradesmen.

tim_noone wrote:
Mon Jan 11, 2021 8:47 pm
No wonder Singapore is looking to get the work out there... :D
Think the strike action has put a big spanner in that.

Just so you know parts made in Singapore are more expensive than the UK.
by Lowbankclaret
Mon Jan 11, 2021 7:45 pm
Forum: The Bee Hole End
Topic: FAO Tradesmen.
Replies: 28
Views: 1341

Re: FAO Tradesmen.

As most people know I worked for RR. I looked after a part that cost us £560 to buy from the supplier. British Airways had an emergency request for parts , we charged them £12,680 each for 22 parts. When BA challenged the price I was asked to attend a meeting to come up with a justification, I told ...
by Lowbankclaret
Sun Jan 10, 2021 3:02 pm
Forum: The Bee Hole End
Topic: predictions for the decade ahead.
Replies: 59
Views: 2445

Re: predictions for the decade ahead.

Cars running of hydrogen are the future, not electric, not sure this will happen in the next decade tho Another very large issue, is this . A friend of mine just bought an electric car, they came to install the 7.5 Kw charger you need and did a survey of his estate, built 20 years ago here in Burnl...
by Lowbankclaret
Sun Jan 10, 2021 2:57 pm
Forum: The Bee Hole End
Topic: Today's Football 10-1-21
Replies: 136
Views: 2509

Re: Today's Football 10-1-21

Crawley first scorer was released by Spurs , had a car crash in 2017. Showed why he was a junior at Spurs. His first senior league goal. If he plays like that more often he will soon be playing in a higher league.

Now 3-0.
by Lowbankclaret
Thu Jan 07, 2021 5:34 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Any questions???
by Lowbankclaret
Thu Jan 07, 2021 4:46 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

A friend of mine who started investing 18 months ago decided on using Vanguard.

He bought S & P 500, FTSE250 trackers and some Gov bonds.

He saw a 16% return in the first 12 months and is around 20% after 18 months. You can see the charts bear that out.
by Lowbankclaret
Thu Jan 07, 2021 4:42 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

The S & P500 example is below, very low cost (passive) index tracker.
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by Lowbankclaret
Thu Jan 07, 2021 4:39 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Most providers do this type of managed fund , this example is retirement in 2030.
Charges are slightly higher as it’s managed.
6DBC7CFD-AF5F-4539-A73A-C570F09D0F2A.png
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by Lowbankclaret
Thu Jan 07, 2021 4:33 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

1.52 2. I believe so yes. Thanks for the help so far. There was huge focus in the webinar on the tax end NI efficiency of the scheme with very little information on where your money would be invested and the sort of returns that have been achieved previously. Hence me asking the question on here as...
by Lowbankclaret
Thu Jan 07, 2021 12:34 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Quick two questions. 1, how old are you?
Sorry to ask this but do you understand compound interest?

Off for a blood test so will not be around for a couple of hours. Will answer any questions later.
by Lowbankclaret
Thu Jan 07, 2021 12:26 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Ok, so I have had a good google around and AVC wise are very good at hiding where your money is going to go, probably until your enrolled. Having looked at several council AVC joining documents I can only see Prudential mentioned as an available platform. The AVC site says using companies like Prude...
by Lowbankclaret
Thu Jan 07, 2021 10:16 am
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Herts Clarets wrote:
Thu Jan 07, 2021 10:00 am
AVC Wise, which leads into Prudential and Standard Life policies i think
I know the Pru platform fairly well, that’s where my drawdown pension is.
SL I know a little about as the missus has a small private pension and my Mums money is on that platform.

I will have a look.
by Lowbankclaret
Thu Jan 07, 2021 10:13 am
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

One thing you need to consider about AVCs is that they are very keen to sell them to you because of the tax relief, however when you draw your pension you have to pay tax on your income derived from the sum that you have saved. I am not sure how your AVC is set up but the one I had they chiselled o...
by Lowbankclaret
Thu Jan 07, 2021 9:40 am
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Herts Clarets wrote:
Thu Jan 07, 2021 8:05 am
The focus was on taking retirement early, the reduction in the LGPS by doing so and the SCAVC filling that gap.
What’s the name of the company they are pushing, I can have a look at it if you want?
by Lowbankclaret
Wed Jan 06, 2021 11:06 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Two graphs as examples FTSE250 and S & P500, over a fairly long term. If you are 20-25 years away from retirement a great option.

First one is S & P 500.
583E1D1B-20A1-4BBB-A0C0-8C82FE496A70.png
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by Lowbankclaret
Wed Jan 06, 2021 10:54 pm
Forum: The Bee Hole End
Topic: Finance question
Replies: 26
Views: 1431

Re: Finance question

Just to add to what people have said. Yes the initial tax relief is very good. Yes you can get your tax relief if you set up a private AVC or a SIPP. But no NI as has been said. There are several platforms you can do that with. There are two types of platforms, old style insurance companies who have...
by Lowbankclaret
Wed Jan 06, 2021 5:36 pm
Forum: The Bee Hole End
Topic: has anyone stopped drinking completely?
Replies: 130
Views: 9393

Re: has anyone stopped drinking completely?

I'm in a much better place these days. I didn't manage to stop completely but i can now enjoy 1 or 2 and be happy with that. My daughter that has been born since has added a whole new dimension to my life. Well done you. I sat watching TV between Xmas and New Year, think it’s was on the news how th...
by Lowbankclaret
Tue Jan 05, 2021 4:52 pm
Forum: The Bee Hole End
Topic: Ten week ban for Trippier
Replies: 56
Views: 4048

Re: Ten week ban for Trippier

REVEALED: Trippier's WhatsApp messages that led to his 10-week ban

Hope that link works.
Shows details of his messages, one friend put two £22 bets on and one £300 bet.

Seems extreme a ten week ban. The way it reads the deal wasn’t quite over the line and could still have broken down.
by Lowbankclaret
Tue Jan 05, 2021 11:08 am
Forum: The Bee Hole End
Topic: New board, new approach - better communication!
Replies: 121
Views: 4969

Re: New board, new approach - better communication!

As I mentioned earlier in the thread. Americans are very customer focused and expect good customer service. If they get lots of complaints about the ticket office for example, the ticket office can expect a lot of retraining, they will not accept lots of continued complaints. It’s not how they roll ...
by Lowbankclaret
Mon Jan 04, 2021 8:16 pm
Forum: The Bee Hole End
Topic: Football off? - Edit apparently still on.
Replies: 42
Views: 1739

Re: Football off?

Lots of footballers breaking the rules, no point in stopping them playing.
The rules don’t apply to footballers obviously.
by Lowbankclaret
Sun Jan 03, 2021 3:04 pm
Forum: The Bee Hole End
Topic: Pace interview
Replies: 316
Views: 13485

Re: Pace interview

The one thing Americans are normally good at is customer relations, visited America several times and the customer service was always better than anywhere else I have been.
So I would expect communications to be good.
by Lowbankclaret
Sun Jan 03, 2021 12:51 pm
Forum: The Bee Hole End
Topic: The Masked Singer
Replies: 25
Views: 1771

Re: The Masked Singer

FactualFrank wrote:
Sun Jan 03, 2021 11:09 am
I reckon one of them is Simon King from the Hairy Bikers - and what a voice he has if it is him.
My missus said that to, Vi King. Normally calls himself Si King. Plus they did a show where they did sing a bit.
The one I think I got was Lenny Henry.
Missus says first one was Gabrielle .
by Lowbankclaret
Sun Jan 03, 2021 9:11 am
Forum: The Bee Hole End
Topic: Pace interview
Replies: 316
Views: 13485

Re: Alan Pace Interview: Mail online

Well at least I get the impression they know what they have bought into. Sounds like more of the same but with debtor service. Not that I am going to complain about more of the same. Having spend most of my working life working with data, it has its place but I have seen people go in the complete wr...
by Lowbankclaret
Sat Jan 02, 2021 9:29 pm
Forum: The Bee Hole End
Topic: The Masked Singer
Replies: 25
Views: 1771

Re: The Masked Singer

Lenny Henry on the masked singer!!
by Lowbankclaret
Sat Jan 02, 2021 6:12 pm
Forum: The Bee Hole End
Topic: Takeover financing
Replies: 41
Views: 3106

Re: Takeover financing

Kieran Maguire, on his price of football twitter account, has just posted this. Not being a financier I don’t know if it is bad news or not. Somebody on here will. He headlined it, “ Burnley set up lending arrangement from MSD Holdings, who have previously lent to Derby and Southampton.” 066BF323-5...
by Lowbankclaret
Sat Jan 02, 2021 2:34 pm
Forum: The Bee Hole End
Topic: Takeover financing
Replies: 41
Views: 3106

Re: Takeover financing

It was the Telegraph yesterday that reported that MG would make £85million (over time). He has made some serious money...but £85million? I'm wondering if ALK borrowed the money is it now the club debt or ALK? How much did they borrow? How and when does it have to paid back? Who services the loan? H...
by Lowbankclaret
Sat Jan 02, 2021 2:21 pm
Forum: The Bee Hole End
Topic: Snowing
Replies: 57
Views: 5938

Re: Snowing

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by Lowbankclaret
Fri Jan 01, 2021 10:41 pm
Forum: The Bee Hole End
Topic: Takeover financing
Replies: 41
Views: 3106

Re: Takeover financing

taio wrote:
Fri Jan 01, 2021 10:16 pm
You're mistaken if you think the consensus is as you describe.
So what’s your opinion???
by Lowbankclaret
Fri Jan 01, 2021 10:11 pm
Forum: The Bee Hole End
Topic: Takeover financing
Replies: 41
Views: 3106

Re: Takeover financing

Apparently the consensus of opinion is .

These guys have rocked up , bought Burnley with their own money. They are going to invest millions and not want a return for years.

Burnley just found the unicorn.
by Lowbankclaret
Fri Jan 01, 2021 4:49 pm
Forum: The Bee Hole End
Topic: What about the smaller shareholders?
Replies: 50
Views: 3021

Re: What about the smaller shareholders?

Paul Waine and Tony

Thankyou , yes £1,600 it is.