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IFA here. To answer the OP, if somebody is just sticking you in a managed fund and slapping an ongoing charge on it, that's not proper financial planning and isn't worth the fee. There are many who charge 3% on every new contribution, just for telling you to fill your ISA allowance.. come on. As...

Easy to see why White is in, given if he progresses as expected he'll likely be a mainstay for the squad. Good exposure to train with England even if he's unlikely to make the cut. Ditto Godfrey. Coady and Mings on the other hand... can only assume they are in because Maguire is expected to be...

He must be so angry knowing that right now he is absolutely clear of every other centre back that gets picked and no matter the level of performance he puts in he’s obviously been written off. Exactly what England need, none of the other centre backs picked even play in Southgate’s favoured 3...

???

Genuinely absolutely baffling he’s anywhere near the England team. 6 or 7 centre backs comfortably better than him.

13:20 Quilixios 13:55 Captain Kangaroo 14:30 Torygraph 15:05 A Plus Tard 15:40 It Came To Pass 16:15 Elimay 16:50 Gentleman De Mee

13:20 Envoi Allen 13:55 The Bosses Oscar 14:30 Melon 15:05 The Storyteller 15:40 Farclas 16:15 Hook Up 16:50 Bob Mahler

1 Gaillard Du Mesnil 2 Monkfish 3 Monte Cristo 4 Nube Negra 5 Kingswell Theatre 6 Duc De Genievres 7 Kilcruit

13.20 Metier 13.55 Shishkin 14.30 Nietzsche 15.05 Goshen 15.40 Concertista 16.15 Homme Public 16.50 Galvin

I lived overlooking the junction of Cavendish and Poynders Road where she was last seen for 2 years, up until a couple of months ago. Unsettling as never felt remotely unsafe round there. It’s a well lit and busy area.

Test

Tyrone Mings - how is this absolute chancer anywhere near the England squad? Is it solely because he has a bit of pace and is left footed? Regularly out of position and his raison d'être seemed to be sweeping across to hoof it out for a throw at every opportunity, regardless of how much time and...

Gross shouldn't be on shooting duty on the free kicks. He goes for power on keeper's side every single time. The one he had in the first half was prime position for Mac Allister to whip over the wall.

Boggle eyed turf merchant?

Yep. I used to do this at Uni back in the days of the Bet365 bet £200 get £200 sign up offer. Would pay people who don't have accounts (usually girls) £20 to open an account for me and then do the rest. From memory it was normally about £120 guaranteed profit for me per account. Not astronomical...

Agreed reads well. Perhaps a bit overwritten in in places and a few silly errors, but can forgive that minor indulgence given the level of effort and research that's clearly gone into the piece. Imagine it's entirely self-edited as well. Those saying it's crap probably need to brush up on their...

Polar Bear is a spent force, gone massively backwards over the past decade. Case in point any recent news articles, failing to keep himself in shape- skinny AF. Hardest creature in the world can't cope cos it's 2 degrees warmer? Should be renamed the ginger bear.

Badger should stroll this. DYOR.

Spot on from Potter after all

Stunned at that. Leeds have struggled when teams have hit them fast in transition, so we’ve picked the slowest team of the season? If the game ends up being over before the inevitable changes are made then big questions to be answered...