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We keep a few grand in ISAs as an emergency fund instant access if we need it,  the rest is all in premium bonds had them since 2021 and no word of a lie we've won a few quid every month since we've had them,  don't know anything about stocks & shares and certainly at this stage in our lives don't see the point.

You don't need to know anything about stocks and shares, Mick. You just hand over your dosh to a fund manager and they invest it for you, according to chosen risk level. Then they take a cut every year now matter how the fund performs. 

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That would mean putting trust in somebody with our cash , what could possibly go wrong ?

That's what we thought about 30 yrs ago ..... the name of the advisor should have been a clue .... he was called Grantham Fidler!

Grantham? Was he from Lincolnsausageshire? Could have been a young Opti, always wondered about him.

I thought Lord Opti was always young.  Like Peter Pan! 

Or is that Pinocchio?                                     

We keep a few grand in ISAs as an emergency fund instant access if we need it,  the rest is all in premium bonds had them since 2021 and no word of a lie we've won a few quid every month since we've had them,  don't know anything about stocks & shares and certainly at this stage in our lives don't see the point.

You don't need to know anything about stocks and shares, Mick. You just hand over your dosh to a fund manager and they invest it for you, according to chosen risk level. Then they take a cut every year now matter how the fund performs. 

. 

That would mean putting trust in somebody with our cash , what could possibly go wrong ?

That's what we thought about 30 yrs ago ..... the name of the advisor should have been a clue .... he was called Grantham Fidler!

Grantham? Was he from Lincolnsausageshire? Could have been a young Opti, always wondered about him.

We keep a few grand in ISAs as an emergency fund instant access if we need it,  the rest is all in premium bonds had them since 2021 and no word of a lie we've won a few quid every month since we've had them,  don't know anything about stocks & shares and certainly at this stage in our lives don't see the point.

You don't need to know anything about stocks and shares, Mick. You just hand over your dosh to a fund manager and they invest it for you, according to chosen risk level. Then they take a cut every year now matter how the fund performs. 

. 

That would mean putting trust in somebody with our cash , what could possibly go wrong ?

That's what we thought about 30 yrs ago ..... the name of the advisor should have been a clue .... he was called Grantham Fidler!

Think of the poor unmarried mothers with half a dozen kids or more, each one with a different father.

Got to be looked after by the state.

Just seen a couple on telly who had quintuplets. How would that work? Only the first two born would get child benefits?

Think of the poor unmarried mothers with half a dozen kids or more, each one with a different father.

Got to be looked after by the state.

I can think of a few of them, all from the same family & have never worked a day in their life .... 

We keep a few grand in ISAs as an emergency fund instant access if we need it,  the rest is all in premium bonds had them since 2021 and no word of a lie we've won a few quid every month since we've had them,  don't know anything about stocks & shares and certainly at this stage in our lives don't see the point.

You don't need to know anything about stocks and shares, Mick. You just hand over your dosh to a fund manager and they invest it for you, according to chosen risk level. Then they take a cut every year now matter how the fund performs. 

. 

That would mean putting trust in somebody with our cash , what could possibly go wrong ?

Effing freezer packed up overnight - contents ruined.

Ours is covered on the home insurance, but with an excess of £250 I'd have to have an awful lot of food in there to make it pay

...or be a fat bastard who can eat 24/7 without pausing for breath.

Effing freezer packed up overnight - contents ruined.

Ours is covered on the home insurance, but with an excess of £250 I'd have to have an awful lot of food in there to make it pay

£500 excess, so no chance of a claim.

Effing freezer packed up overnight - contents ruined.

Ours is covered on the home insurance, but with an excess of £250 I'd have to have an awful lot of food in there to make it pay

Think of the poor unmarried mothers with half a dozen kids or more, each one with a different father.

Got to be looked after by the state.

As they love to say on trashy American TV........"you're my sister from another mister"