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Only 50%? As I near retirement my ratio of personal to business 'work' in my (very remote - thank goodness for IP phones!) work from home is nearing 90/10 No feelings of guilt whatsoever ... after 35 years+ I'm in massive credit :)

Ah OK ... that's why I said it wasn't Wi Fi calling as I agree it's pants ... they've obviously gone for the cheap solution then :(

I got Home Signal when I moved to Seaford early 2015 ... link is here http://support.three.co.uk/SRVS/CGI-BIN/WEBISAPI.DLL?Command=New,Kb=Mobile,Ts=Mobile,T=Article,varset_cat=signal,varset_subcat=3804,Case=obj(12975)

Similarly, we had no reception at home but 3 do a thing called 'Home Signal' which plugs into the router and provides a perfect signal all over house. It is not Wi Fi calling and I assume all service providers do something similar. Might be worth checking with yours

He's twice the man he used to be :)

You can't sneak Hemed in twice

Agree, just as long as he doesn't lash out at Bennett, bainesesque style. It will be physical so he's going to need his head properly screwed on

He's someone that whenever I see him play (rarely, admittedly) always seems to pull the strings and make a real impact. I often wonder what he's still doing at Wigan and I suspect a few lower half Prem clubs might be looking at him

Ryan Harley?

Ars for 4th, and Stains instead of Fulham

I'm with b.w.2 (Ben's second wife?) on this

Hudd's and Fulham are often the reference points as are City and L'Pool but it feels like the argument is more of a battering ram approach to the debate Hudd's just don't have any quality in their squad and I'm not sure whatever approach they took would yield results. City and L'pool and others...

Good post. I'm not sure it really matters what he meant, once the herd gets going he's dead meat

I guess you missed the bit where I was genuinely trying to offer some helpful suggestions. I assumed they probably do need both but I don't know and pretty sure any response he might make won't be ignorant either

Tough stuff to read. I'm no expert but aren't there co-ownership schemes that might help? HSBC offer 95% mortgages too but maybe the payments are out of reach.If you were to buy a property equivalent in value to where you're living now perhaps that might be affordable Could you beg, borrow or...

I project forward all my expenses at 5% p.a and then in the upcoming year I am more precise about costs so the 5% forward will change (generally down) I assume any savings (that I don't drawdown) grow at 0% (most of it in equities). It's a conservative approach (I hope) and at least it shows...

Warming up maybe, being saved for Barnet in FAC

No expectation from today so not going to pub and will be watching on stream. Fully expect I will be watching Jeff Stelling by 4.00 but you never know

daveyboy40 did all my doors and did a brilliant job and I have no hesitation in recommending. He's in Chichester but came over to Seaford so assume BN1 is in his range. Might be worth a PM.

Just keep hoovering up points as best we can and hope the bottom three are cut adrift as quickly as possible. It would be nice to go into the New Year feeling that we are 'relatively' safe.