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I also think (not connected really with RTB but a particular hate of mine) that these programmes on TV about buying to let are wrong. People with money are preventing people with much less money from getting on the ladder by snapping up properties at auction to renovate and sell on or let.

@don Ok. So if you are private sector and want to retire, you have worked hard, been prudent and not wasted money, but not been able to afford to contribute into a pension since being 18/21, were would you invest your money so that your capital is protected and you have a return to live on.

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Are your brother and sister getting anything from your father?
If not, once transferred to you, could you split the ownership and running costs 3 ways? Look at it as a future family investment property which you could eventually either rent out commercially or sell.

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Hopefully there will be some improvement when the £100m per week (at least!) – the Brexit dividend – is added to NHS spending. I’m stunned by reports that Theresa May “slapped Boris Johnson down” for his requests for this extra spending.

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I spent about a hour in total (if that) and got a nice sum back. I didn’t have any paperwork as my loans were years old. I asked my bank for a printout of all the products I’d taken out with them and took it from there. I filled out the form and spoke to the helpline for about 30/40 mins and that was it. Don’t give someone else your money!

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In my 50s , cleanse & moisturise. Use a tinted sun cream usually le Roche posay. Have not used soap on face since a child and keep away from parabens. Faith in nature is a favourite and also hot cloth with Liz Earle . Hope this helps 🙂

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I live on my own, and I don’t enjoy housework, although I love cooking, so I took on a cleaner about 4 years ago who comes once a week. She cleans and dusts throughout my 2 floor, 2 bedroom, 2 bathroom flat. She cleans the bathroom fittings (bath, shower, wasbasins and toilets, and hoovers the carpets and washes the bathroom and kitchen floors. She cleans the kitchen work surfaces, hob and splash backs. My desk and other flat surfaces in my study, and dusts my numerous book shelves. In all it takes her about 2 hours once a week, for which I pay her £20.

Hope that helps?

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Terry’s chocolate orange are now owned by Mondelez. Not had a choccy orange since they moved production from York to Poland.

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@luke Are you overlooking the fact that many people drive because they enjoy the experience?

Will AI and VR replace the rest of life’s pleasures???

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@luke I keep hearing everyone saying this, but I just can’t see it working anytime soon. I keep a load of stuff in my car all the time, so how do you get around the need to have personal belongings being left in the car when these smart cars are supposedly going to drive us around therefore making car ownership a thing of the past.

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Earplugs

Your own facecloth, fluffy towel

Your own bottle of lactulose in case they are tardy about dishing it out

carrier bags for putting soiled/dirty laundry in to take home

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@peter your probably right about Blair & Brown…But i’m sure the tory’s could subsidise it the same as the SNP have in scotland.

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just another tory tax on the sick…..it’s free in scotland btw 😉