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  1. Ashby

    Premium bonds

    I’m into pb at the moment. It’s a nice incentive to save my spare cash, seeing my stake build up. About to break the 5 figure milestone It’s so great when you win. Ok, it’s just 25 quid but hey, I’m a winner! Really puts me in a great mood for the day. I’ve hit that sweet spot where the returns match cash isa. no prize this month though, boo. Two things bother me though. Looking at the big prize winners list on the website, most winners hold the max 50k. But I would have thought most holders would just have hundred to a few k, and very few hold the 50k max, so it seems counter intuitive that most winners hold the max. Almost as if it is weighted to your holding size. Well, maybe I’m wrong and most holders do have 50k More unusual is that it lists “bond value” as a column heading. Now each bond is £1 so this makes no sense. I assume it means the amount spent when that bond was bought. But this is as relavent as the persons hair colour. Why list it? And it’s strange that the winners all have big bond values, not a few hundred quid that you would have if you bought regularly. Well it’s playing on my mind as I bought a 3k chunk then a few hundred quid every month. After my holding reached about 6k prizes started rolling in but it was always from the 3k chunk. No other bonds have won. Almost as if they want big one off payments. well, let’s see what next month brings
  2. Ashby

    The great crash sweepstake

    I think very soon. Maybe November to January. It’s tricky because all I see is that anyone working for business are having a tough miserable time permanently stressed about redundancies and anyone working for the state or state supported companies are milking it in, happy as Larry. What’s worse are that these are the people who never suffered in 2009. They have no clue. I think that whilst everyone is distracted by US fisa release/midterms and brexit arguments and whatnot, a small but significant incident or scandal will happen at one of out Micky mouse universities, perhaps a safeguarding or money issue. It will cause some department closure/even the uni and government will bring in new rules fast. This will cause massive widespread panic amongst the international students causing a domino effect of other unis closing, hitting the famous ones. Mass panic amongst international investors, btl, uni workers etc, leading to them not spending vast amounts of cash in the big London shops. This causes boe to meet and fiddle figures making things worse. Over the corridor in the boe, nationwide and builders are pleading for bailout. Word leaks out. Stocks fall. People don’t withdraw cash but get straight on phone to pension companies saying, sell all my shares. Don’t care just sell. massive pension fund fire sales. Then it’s brexit day
  3. Ashby

    Oh la la! Sacre bleu! Zut alors!

    Well she certainly had a thing for nazi officers. my first though was that there are eu regulations banning lots of perfume ingredients, so they had to spend lots reformulating their products, and not for the better. Perhaps moving here after brexit they can sidestep this.
  4. Love these stories! I never have much luck though with yrs but always go for the cheese if I can. I find it lasts ages after the use by date. Same with the milk in the plastic bottles. Goes for a good 10 days after date before it starts to sour. Had an awesome summer buying clothes though, on eBay from discount sellers, you know those that sell new clothes from John Lewis, m&s etc with the labels cut so you can’t return. Guess it’s all old season stock. So, It was the peak of summer, 35C early August. I got three wool jackets £20 reduced from 200, wool coat 200 from 800 and a leather and a suede jacket each 150 reduced from 1850. Unbelievable! Best I’ve ever done. It’s risky as you need to know you’re size. Often they get narky with returns. Bet they thought who’s this muppet buying thick wool coat in stifling 35C heat. Well who’s laughing now
  5. Ashby

    Everyday Feminism - lunatic SJWness

    Love wooden tennis rackets. Do they still make them?
  6. Ashby

    Short termism

    Yes exactly this. The other issue imo is that company recruiters need to get off their backsides and go into local schools, colleges and universities and tell them exactly what “skills” they require. The schools can then work with them to develop these skills in and out of lessons. No cost to company and the teachers will be very grateful for some focussed current industry feedback to work with rather than the useless union/MSM/ofsted guff. And of course then a good crop of local young and energetic workers to recruit from every year that you had a hand in training. But of course British youths are idle and lazy and gobby apparently so they won’t put themselves out.
  7. Ashby

    You won't be able to unsee this

    Unbelievable! And I had to pay for recent surgery I had because the nhs didn’t offer it anymore. It was a vanity op apparently even though I was in pain. I'm assuming this is being done on the nhs?? I bet if you gave them the money instead I doubt they’d spend it on this surgery. And that poor wretch of a child.
  8. I use Goldmoney for physical. will have to look into aj Bell. Not offered with HL but they have some other mining funds.
  9. Latest COTs out today. Incredible! Commercials now 15k net long silver and also long gold.
  10. Ashby

    Jumpers for goalposts

    Having a big bonfire with dad in the garden, poking at it with garden canes/sticks. In the scouts, we built a bridge and rope swing. We built our own shelter in the woods and slept in it. Tracking and wide games. Going out shovelling coal about and stacking wood in the freezing cold, looking back at the warm house with envy seeing my sisters helping mum baking in the kitchen. When I tried to come back in I got a clip round the ear and told “there’s no place for a man about the house” as I trudged back out . Always stuck with me that. Hard life! I’m sure money was easier back then. Just cash and cheques. None of this fancy complicated banking. getting £1 for paper round
  11. Ashby

    The Big Short Thread

    I want to add some to this. My “bitter shares of regret” as I never bought. Christian Dior (CDI Paris) - exploded after July 2016. Come on, that can’t be due to just the sale of that awful sauvage perfume can it? and ted baker. Just a trendy for the moment brand. cant seem to put up the charts here.
  12. Ashby

    Just give us your f***ing money.

    The other issue to realise is that the government now allows colleges/FE to award degrees. I think it’s still developing but I think this is a massive game changer for the post 92 unis. So you could just go learn plumbing, car mechanics, and finish or stay on for a bit and get your BEng degree, or hairdressing BA whatever. No need for doing some pointless degree and taking on massive debt. can’t find many links. Something like this:
  13. Ashby

    Ever called 999?

    That’s exactly what happened to me. I pushed them away just as the money was coming out. No idea what happened, all so fast. Think it went back into the machine. Went to police station to report it. The bank refunded my account a few days later. Only rung 999 once when there was a bin on fire.
  14. Hello everyone I signed up and hope to post here. I enjoyed reading on the other site but never managed to post. It’s a horrible place now with all those ads! I very much agree with the premise of this thread that we are going into debt bust then reflation cycle driven by massive qe. Although it sounds like hard times are coming, in fact it’s a beautiful ray of hope in what feels like really dark days. Not just dark but pitch black. Particularly the thought that house prices are going down violently, and (most importantly) are going to stay down. I very much enjoyed reading other people’s experience of jobs and job applications a few months back. I have experienced exactly the same difficulties. I thought it was just me! Unbelievable how hard it is to get a career job outside sme. And the anxiety at work too! I really feel that the excesses back in 2006 have become the norm today. I wonder if they are just a symptom of the current deflation cycle though. I’m thinking particularly the way everyone just assumes house prices are excessively high (they are the straight jacket on this country), and those really arrogant business managers. I still can’t believe carrillion managers. It was like something out of a dickens book. They run off with the money in a cloud of corruption covered by their use of migrant workers and liberalist ideology, and then just fritter their money away on houses and reputation managers. Unbelievable, one called himself a Christian capitalist as, in his great majesty and wisdom, through great pains, gave a few quid to a fun run. Well, sola fide I suppose Not sure what I can add to this thread, but perhaps my reflections of the last crash. I remember the gold and silver price fell but the coin price did not fall much, if at all, because of supply issues. It all got really tight. I remember you could only buy at those prices the paper etf’s which everyone was sceptical of as they were backed by aig, recently deceased and resurrected. Goldmoney allowed a sale of mine through but had freeze on buying due to supply issues. So I recommend just buying now as you might not be able to buy in a crash if the markets get tight. It all sorted itself out in a few weeks but it was fustrating that goldmoney would only take my sale at spot price but coins were fetching big premiums. For now, I very much like this idea of having a portfolio of shares generating a dividend income. I was not in a position to think of that before. For me, I have no debt, rent and have most money in metals (goldmoney) and some cash. I think I’ll build the cash and look to buy shares after Christmas or in the fall. I assume there’s no rush? I really wish rents would stop rocketing upwards. That’s the frustration. I bought some miners a while ago, but, well the account is a bit of a bloodbath. Haha they might pick up yet. The danger of shares is the company politics. I have Tahoe. They had a mine shut down due to some local dispute in Guatemala. Caused their share price to halve. DB, I have some question for you which perhaps haven’t been discussed yet if that’s ok. I wondered what you thought about universities/student loans/international student bubble. The thought of these student loans 50k at rpi, taken for imo questionable academic courses scares the life out of me. What horror show they will turn into when inflation rips. And these in debt, post 92 unis with their gentrified campuses just leeching on student debts, with their liberalist adgendas. If they go under it will be bad news as they are big employers. Don’t mention the btl. I’m assuming they won’t receive much government bailout funds, but perhaps industrial research will receive a fair whack of money. International students? Maybe that will keep going. But life won’t stop. I wonder what the big areas for employment will be? Perhaps I should be looking to learn some new skills. Well who knows. I am a knitter and want to learn how to spin. My next task . Perhaps the wool industry will make a comeback. I’m amazed how shoddy the quality of clothing is nowerdays, yet people seem to have forgotten what quality is! Sorry if I wrote too much text!