Captain Fastbastard Mayhem

Flippin well done!

Excellent! Hope your skid-stopping us up to scratch.

Spot on

If it's on, it's on. I need to conquer the mighty Ass and earn the right to talk about it.... It will need wit, it will need training. It will need a kick-up-the-ass and a dedicated TEA-time ritual. Butt it shall be done.

It really is! Love it. Next on the list (when I start up again) is the Laphroaig. Sadly, there's only enough for one more dram.

At the moment I'm working my way through the last bit of alcohol in my place, being an ardbeg 10yo whisky. After that, nothing for a while but I am normally into the wine or tequila. El jimador as a baseline.

Le google, Mr Bee... or search on YouTube but. Here you go. https://youtu.be/JqJz_KNgXLw

Yah, I watched the YouTube vid that goes through his transformation. Bloody impressive

Ag, you know, at the end of the day all direct-linked brokers will tell you that their product is the best, beats everyone else hands down and will always be the cheapest / most comprehensive etc etc. The simple truth is that it depends. It depends on a lot of things. Which disability benefits are being used, which severe illness & income replacement products are being quoted and so on. The "integration trap" isn't nearly as bad as some non-discovery agents (like Liberty tied agents, momentum tied agents and other guys who are only licensed to advise on one particular brand) would have you believe, and the only time you'd be "trapped" in a policy is if you picked up some health problems along the way and couldn't apply for cover elsewhere. That's the same no matter where you go. I've got clients who have been on Blue status since the beginning of the policy (despite my best attempts to have them get to even silver) and they're still miles below the cost of what a comparative policy would be anywhere else. I've also got clients on the opposite side of the spectrum, for whom even being on Diamond status with zero health claims they were able to get a more cost-effective solution elsewhere, but those are rarer and it's very much a case of "it depends" Discovery's Severe Illness benefit IS one of if not the best on the market, as are PPS's Sickness & Permanent Incapacity benefits. Discovery's investment options, though.... no. Sometimes, there comes a client who fits the bill perfectly, but a very narrow set of criteria need to be fulfilled in order to get there, and in those cases they're excellent. But those are few and far between. Every life assurance company will deliver on what they promise. But sometimes there's a niggle in the client history (a diabetic not disclosing that, or someone not saying they had a malignant melanoma removed 3 years ago etc etc) and they need to do extra investigations into the client's history in order to see if the cover would have been granted had that info been disclosed upfront. Insofar as paying claims, though, I know that they all have to pay legit claims. That one recent Momentum case was an interesting one, but I think that the majority of horror stories against other providers has been created off rumour spread and intensified by tied agents of competitor companies, and people simply not knowing what they're covered for. Every person is different. You may not fit the Discovery brand, but it may be the best / most cost-effective solution once the analysis has been performed. The same goes for all teh other providers. And there are cases where a more expensive premium is actually advisable (as is the case with PPS's Sickness & Permanent Incapacity benefit, it's simply much better than anything else available, but only if you're a professional)

It really is a gorgeous part of the world, that.

BAH! Only kids' sizes.

Differences being we all know patch bought these to obfuscate his canine attributes...

Spot on, Gemmerbal, Eddie and Graham.

Well done! Seriously, that's excellent.

If you decide to wade into the cesspool that is Tinder, good luck! I've heard of a few success stories, but joh.

Jeeeez, that crazy radar. Wish somebody had told me how much it would be needed. ????

Why not both?????

Agreed to an extent, but it also depends on how deeply your levels of trust have been affected. Mine coincided with my dad's death, which fkd things up properly. ????

Lol. Indeed,I know exactly what you mean. At the same time, the only way you can tell if it's the right time is by jumping in, and hoping you don't snag a crazy. ????

I don't think there's a right answer for this... me, after 6 months-ish. Colleague of mine, 2 weeks. Depends entirely on you.

damnit! you caught me.... LOL.

Yeah, it was great. My little guy is super excited about a sequel!

February was good. Lost those kilos I put on in January, and was a bit harder on myself when it felt like I was slipping. Also got back on the bike last week, for the first time in a while. 99.8 this morning.

???????????? Ja. Completely correct.

Pinetown Old Main Road / M13 intersection...