stevie_b

Amalfi coast road? That's pretty spectacular.

IMost of those things are easily overcome though. Scotland could form its own armed forces in time. Paying to set up a military infrastructure (equipment, staff, HQs etc) from scratch would be very costly but could be done bit by bit. An independent Scotland could probably lay claim to some of the UK's armed forces infrastructure seeing as Scottish taxes have helped fund it. The NHS could probably be split into an SHS and an EWHS without too much pain (?). Passports could be replaced in tranches, with the existing UK ones being honoured for the next 1-2 years. Questions of what to do about the currency are more tricky. Would Scotland keep the Pound? The currency would need serious thought though.

I'm surprised. I would have thought almsot all Scots would vote Yes.

A lot more detail needs to be worked out before anyone can make an informed decision IMO. People can say where idealistically they'd like Scotland to be independent, but they should also consider whether it is practical and feasible for Scotland to go it alone. I think maxi devolution is a stepping stone to eventual and inevitable independence. I do feel for the Scots and the Welsh sometimes that UK government is so London-centric.

Are they both genuine Toyota parts? I've had water pumps from autofactors that don't use all the bolt holes, which didn't inspire confidence.

I would go with Havard's suggestion. Classic insurance really is dirt cheap: the only downside is that it doesn't accrue NCD, but if you only have one set anyway then you don't lose anything.

In case anyone on here or their other halves are collectors of Swarovski things, I'm selling a few.... http://www.ebay.co.uk/itm/130647031818 http://www.ebay.co.uk/itm/130647034618 http://www.ebay.co.uk/itm/130647055686 All would make lovely Valentine's gifts. The third one is nearly half price and all are in as-new condition.

For sale, an electric greenhouse heater that's built to withstand humid environments such as orchid houses. Looking for £150, cost £300 new and has only had a year or two's use. http://www.ebay.co.uk/itm/130647094734

As Soop Dogg said.

Hello stranger!

I wasn't a fan of her music, her lifestyle or her attitude, but it's still a shame.

How about a new pair of marigolds for the lady?

To properly eliminate it, try starting the engine (or putting the ignition to position 2) and moving the temperature dial through its entire range. Does the rod move? It should. The thermostat stciking open is a good suggestion too. Does the coolant temperature needle behave normally when driving the car, or is it stuck at the cold end?

See here for the flap info: http://www.mkivsupra.net/vbb/showthread.php?49871-Heater-Maximum-Output-Temperature-Too-Low

Part of the dash comes out, but not all. Just the central bit IIRC. SteveC hada similar problem and found the solution, he made a good post about it a few years ago with photos.

Did this fault develop suddenly? i.e. was the heater nice and warm, say, last week? If it is sudden then the most likely suspect is the flap that controls whether hot air flows into the cabin's air ducts or not. If it didn't develop suddenly, then it could be an old/tired heater matrix (flushing through *might* help), or possibly an airlock in the matrix.

He probably doesn't collect them as an investment he ever intends to sell, but the prices of top-end rare classics seems to be holding up well: http://www.carsforstars.net/news/classic-ferrari-sells-for-a-record-breaking-20-2-million/1554/ That's a return of 29% over 3.5 years. Any asset class would be pleased with that at the moment.

9 Ferraris!

I don't have a camera at work where it currently is (I can't get images off of my phone due to it not having an SD card inside), but I found this photo: http://www.mymemory.co.uk/LG-Chargers/LG/LG-STA-P51US-Mains-Charger

Thanks for the heads-up: always useful to know what companies are generally competitive.

Is that what Karolina says to you?

Abz: I see your point but if someone claims back PPI payments even when it wasn't mis-sold, it's still obtaining money by deception isn't it? I don't doubt that in your case it was mis-sold, so just to be clear I'm not referring to your case. Making a false declaration on the PPI form to claim money back for insurance that hindsight has revealed you didn't use, is still fraudulent surely? The PPI fiasco is a one-off thing (from now on, if you actually want PPI, companies will probably insist on 5 independent witnesses being present along with a doctor's report confirming you are of sane mind), whereas inflated whiplash claims will be ongoing with no obvious end to the scam in sight.

Ben, which ones actually worked?

Absolutely, being told PPI was compulsory is clear grounds for mis-selling. It's one of the main things the loan companies are being pulled up; it's one of the tricks they used to sell more PPI because it was so profitable. It's like trying to buy a TV, and being told you can't have it unless you buy the extended warranty (which incidentally are under scrutiny at the moment, although money-grabbers needn't get excited because I doubt there'll be a PPI-style claims frenzy).

Good post by ozz: pretty much what I was thinking. I'm certain there's a significant minority out there who see PPI as a free bonus payment without having a genuine grievance. What would I do if I were in that position? Who knows. Do you have to declare on the form(s) that you weren't aware of the PPI and/or weren't informed that it was an optional, no-strings part of the loan? Even if you do, it's nigh-on impossible to prove that the PPI was sold fairly. With the regulator lending its weight to the consumers, the loan companies don't stand a chance of defending themselves against spurious claims. PPI salesmen are guilty until proven innocent. I think inflated whipcash claims cross a line (i.e. insurance fraud) that many people, thankfully, are unwilling to cross.