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im afraid the ’almost everyone’ is so not true - my brother and one of flatmates at Uni took their own life about a year apart with no outward signs, no drugs, no taking to gp, believe me 30 years on I keep thinking did I miss something and could/should I have done more

We did option 3) a couple of years ago to create a home office. Cost us £12k in 2021 and it was one of the best things we’ve done as conservatory was a waste of space as too hot, too cold, too bright - now a brilliant extra room, with great views of the garden

Looking forward to watching our 2-2-6 formation - that will get one over the Hibs famous five of the 50s

None of us - there is no such thing as British football team and this should be binned as an idea now

Now I’ve hopefully got my finances sorted, I thought what the f am I going to with my time (Mrs D7 does not agree playing FM24 into the 23rd century as my sole hobby!). So I’ve made myself a bucket list of places to go, things to do, achievements to make and I’ve ended up with 175 items so far...

Mr amateur (so you need to do your own check) here but this is what I’ve picked up in my research: 1. Delaying state pension - you need to do your calcs of money in banking it vs increase in pension. A friend of mine did this and ended up putting his state pension into his SIPP getting the tax...

I think Martin Lewis said it is one of the best investments you can make

I was the same but decided my knowledgeable amateur (read much on finance, watched many YouTube articles but still felt I was ok) needed an upgrade to a professional. I had chats with 4 IFAs and chose the one that suited us. After great all round advice on what to do to maximise our...

Listened to a number of podcasts, which included undercover cops, a member of govt drug classification team, lawyers (both defence and prosecution) and all said the war on drugs is dead and that some form of legalisation is the only way forward. stopping organised crime is where the real police...

£0 this month

I don’t see the big issue. apart from the odd flash I don’t remember him doing anything outstanding last season. So he needs game time and a loan is good. It is an option to buy - if he is outstanding he’ll not be staying in the eredivisive so good player management means he’ll not want to...

Liverpool owners FSG pulled out of buying them a couple of weeks ago - I assume as debts were very high

Saw them on nothing shocking tour back in 1990, brilliant live - I remember Perry Farrell crowd surfing an a red pvc cat suit at the Venue in Edinburgh

Who’s to say St Pauli style (which so many of you appear experts in - where do you get time to watch 2nd division German football?) is how FH will even play in the EPL. I’m a massive WBG fan and I think it would be a huge mistake to get rid of, we will never be a top 6 club so this is the level...

As I’ve put on other chat on wbg , Man Utd have turned down £40m for Scott McTominay, so anything less than this means we’ve been done (only thing better by McT is that he does score goals)

If Man Utd have turned down £40m for Scott McTominay then wee Bilie is £50m+

The drivers insurance company - this happens on all incidents where you damage the infrastructure

If it was Scotland I would, i went in to the ballot for the Germany game at 500euros (x2)

I put a deco mesh network into my house - we got an extension and signal wasn’t good in the old garden, they work great

i have bought him every tine I play football manager - him on left and Rooney Bardeji (however you spell it) on right, so it’s a yes from me