longtomsilver

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  1. Agree
    longtomsilver reacted to Frank Hovis in The Dosbods Best hair award   
    Politicians don't lie.
  2. Agree
    longtomsilver reacted to Fischer in The Dosbods Best hair award   
  3. Agree
    longtomsilver reacted to JFK in Mediteranean Migrant Watch   
    good point, where are the bodies? oh wait it's just more fake news designed to try and make us give a fuck. I'm sorry, I'm really out of fucks to give. In fact I'm owed fucks.
  4. Agree
    longtomsilver reacted to snaga in Mediteranean Migrant Watch   
  5. Agree
    longtomsilver reacted to MrPin in Have we done this one yet? Pay to Park at work   
    Once again the London-Centric view that everyone important lives five minutes walk from a Tube station.
  6. Agree
    longtomsilver reacted to ILikeCake in Have we done this one yet? Pay to Park at work   
    What's that, another incentive not to work?  
    Hospital parking has been a joke for years for both staff and visitors.  
  7. Agree
    longtomsilver reacted to wherebee in Islamification of Europe   
    neither - they are outside of the analysis spectrum, and anyone that tries to investigate the religion is automatically far right.  natch.
  8. Agree
    longtomsilver reacted to Frank Hovis in Mr Bercow   
    He is a horrid bloke.
    It is very amusing how many times he has been cuckolded.
  9. Agree
    longtomsilver reacted to Harley in "significant areas .... are far too cheap and which represent generational opportunities..."   
    Wow, don't see that on my (daily) FTSE watchlist very often, 100%:

  10. Agree
    longtomsilver reacted to Harley in "significant areas .... are far too cheap and which represent generational opportunities..."   
    12 month yield for VUKE is 4.65% which is not bad at all, unless inflation takes off!  Similar with the other FTSE ETFs.  Only 36 (including the dogs) of the FTSE 100 can beat that.  I use such ETFs in my SiPP and then load up my ISA with the more risky higher yielders.  My "bit of this, bit of that" approach.
  11. Agree
    longtomsilver got a reaction from stokiescum in "significant areas .... are far too cheap and which represent generational opportunities..."   
    Counting my chickens here. Up £2,800 since I invested on Monday.
  12. Agree
    longtomsilver reacted to Harley in "significant areas .... are far too cheap and which represent generational opportunities..."   
    Armegeddon is a bit of an excessive a term.  But then things may well get a bit sticky (not good if you're getting close to retirement).  It's about a balanced portfolio for say retirement savings.  A more conservative element of a person's overall financial allocations.  I use it to "secure" "floor" (core) retirement funds.  There is an on-line portfolio backtesting tool which has a very detailed analysis of a variety of portfolio allocations and this one has a relatively low deviation, drawdown, etc.  Others are available.  I have not put all my money in it, just my "floor" funds.  I have a separate account for "upside" funds where I take more risk for a higher yield/return, and a trading fund for even more risk/return.  I'm getting on so return of funds is increasingly more important than further growth, hence my part use of the PP.  It helps mitigate sequential risk in my later years.  I would have a different set up if I was younger.  Each to their own.   
    PS:  Gold and silver have done quite well over the long term, compared to cash, etc, especially in hedging sterling:

    It's not an equity, and should not be compared as such, but a very valid alternative asset class over the long term.  Also good for trading!
  13. Agree
    longtomsilver got a reaction from null; in Fate   
    Haha - that entitles you to sport the mission insignia tattoo in memory of your fallen comrades that weren't. 
    Did I mention the Iranian Embassy Siege and the part I didn't play? I survived that too but can say no more  
  14. Agree
    longtomsilver reacted to Dave Bloke in Fate   
    I survived the Challenger disaster by not being in the NASA astronaut programme :-)
  15. Agree
    longtomsilver reacted to Anglepoise in The Demonisation of Masculinity continues   
    Put my 2 Gillette handles in a padded envelope today. Found an address for their head office. Sent it off without a stamp so it will cost them to receive it. Bye bye Gillette!
    Any suggestions for non-branded razors?
  16. Agree
    longtomsilver got a reaction from Carl Fimble in Tricks to get away with doing bugger all at work   
    Paid poos are wonderful when they happen. When I was a city temp I'd close the door behind me and gleefully think to myself "I've just been paid £10s" for that. Back then I'd chastise myself if I had to go in the morning before I'd got to work.
    When I couldn't get away with the paid dump at one place I worked (Merrill Lynch) and saw that people who smoked got a 5minute fag break in every 40 without anyone batting an eyelid I took in packs of silk cut ultra ultra ultra  light that burned well on their own without much intervention from myself. If someone came out to light one up themselves - I'd blow through the cigarette, take a small drag but not inhale and stub it out, then exhale the smoke. My manager was a serial chain smoker who'd be outside so often that it was inevitable I'd be surprised every now and then by his presence as he jumped onto stage and my act would fail. We would (forced) chat (he's the boss) and blocking my path to retreat he'd pull out his B&H high tar, high nicotine smokes and insist, I mean really insist that I take one and chug away with him. Which I did, inhaling this time, choking on the fumes and heading back afterwards feeling like shit. 
  17. Agree
    longtomsilver reacted to Dave Bloke in Tricks to get away with doing bugger all at work   
    It used to be a rule that if you were going for a long dump you'd never openly carry a copy of the Sun (or Mirror) but would hide it inside some important looking report.
    These days I always have a terminal window open on my desktop doing what looks like something very complex with lots of lines and figures flashing by all the time. Even the most expert of colleagues is mesmerized by it, like a rabbit caught in headlamps, I'll have some cock 'n' bull story about doing some big data analysis if they ask and will do a bit of hand waving. Even if you have pronhub open on the other screen people seem totally mesmerized by the green screen crap.
  18. Agree
    longtomsilver got a reaction from Great Guy in The degradation of work and wages   
    That sounds like the job my mate took at online white goods retailer *OA. The bloke my mate worked for drove a Tesla and lived an opulent lifestyle in a big house in Wilmslow (he knows this as the boss asked for a lift to the Nantwich depot on occasion, unpaid of course) and yet he only paid £9p/hour on a self-employed basis and the drivers were responsible for all damage insurance on both the vehicles (that only came with 3rd party cover) and breakages. To be fully insured would take £4p/hour off the hourly rate (still excesses to pay) and obviously, everyone took the gamble to remain uncovered and when the inevitable happened (a dropped fridge in my mates case) they'd walk out rather than face up to the bill. One man got hit (literally) and the company tried to bill him £15,000 and they do try and chase you through the debt collection route once you've left. To add insult to injury, staff were required to be at the depot for the first lorry at 4am and normally they wouldn't show up until after 6am and you can guess that the workers were not paid for this and then they were only paid for the time that the job sheet had allocated for each drop-off. You can imagine he'd be in Nantwich at 4am and sometimes they'd send him to the south coast for the last drop at ~5pm-6pm and he'd get home at 10pm when they stopped paying him 4 hours earlier. On a day like that they'd pay him for <10hrs when in reality he'd worked 18.
    *indirectly via an independent service company. 
  19. Agree
    longtomsilver got a reaction from Great Guy in The degradation of work and wages   
    That sounds like the job my mate took at online white goods retailer *OA. The bloke my mate worked for drove a Tesla and lived an opulent lifestyle in a big house in Wilmslow (he knows this as the boss asked for a lift to the Nantwich depot on occasion, unpaid of course) and yet he only paid £9p/hour on a self-employed basis and the drivers were responsible for all damage insurance on both the vehicles (that only came with 3rd party cover) and breakages. To be fully insured would take £4p/hour off the hourly rate (still excesses to pay) and obviously, everyone took the gamble to remain uncovered and when the inevitable happened (a dropped fridge in my mates case) they'd walk out rather than face up to the bill. One man got hit (literally) and the company tried to bill him £15,000 and they do try and chase you through the debt collection route once you've left. To add insult to injury, staff were required to be at the depot for the first lorry at 4am and normally they wouldn't show up until after 6am and you can guess that the workers were not paid for this and then they were only paid for the time that the job sheet had allocated for each drop-off. You can imagine he'd be in Nantwich at 4am and sometimes they'd send him to the south coast for the last drop at ~5pm-6pm and he'd get home at 10pm when they stopped paying him 4 hours earlier. On a day like that they'd pay him for <10hrs when in reality he'd worked 18.
    *indirectly via an independent service company. 
  20. Cheers
    longtomsilver reacted to crashmonitor in "significant areas .... are far too cheap and which represent generational opportunities..."   
    My portfolio of eight has jumped a fair bit since mid December rising nearly 10%, hence a low may have gone unless the Brexit impasse gets worse. I have tried to buy shares with assets cover  hence I am not that well diversified. Legal and General and Taylor Wimpey the only shares without sellable assets close to covering the share price. However, I am mainly in cash. Forward dividend on this lot is 7.61% yielding £7,000. My cash holdings  other than NS and I and unexpired fixed bonds are yielding more like 1%. The wife is entirely in cash, other than her pension.
    Aviva (12% of holding)
    GCP Infr (13%)
    Greencoat Wind ( 15%)
    Regional Reit (11%)
    Standard Life (10%)
    Trig (15%)
    Legal and General (9%)
    TW (15%)
  21. Agree
  22. Agree
    longtomsilver reacted to Virgil Caine in When they came for the Volvo .. I said nothing   
    I know they are environmentally horrible but I miss the coal fires and the smell of coal smoke from my childhood. Part of the ritual of life was getting a load of coal in before winter and learning how to lay and light the fire. 
  23. Agree
    longtomsilver reacted to spunko in When they came for the Volvo .. I said nothing   
    I don't agree with this, logburners are already regulated (smokeless zones).
    The real cause of excessive pollution is the overpopulation.
  24. Agree
    longtomsilver got a reaction from Great Guy in The degradation of work and wages   
    One of may favourite hobo stories was when I'd finished a long shift at my Nomura drone desk job on a Thursday heading into the lift to go home - only to be met by Guy Hands who sarcastically told me he was going up to the ninth floor for food and unless I was joining him to get in another lift. I cheekily asked if that was an invite and he squirmishly said yes so off we went to the hallowed 9th floor and Christ when the door opened it was a different world.... a pianist filled the room with music and I sat inbetween Guy and one of his analysts, waited on, eating fine foods and talking markets. It didn't end there as I was able to gatecrash a few more times before I left the company.
  25. Agree
    longtomsilver got a reaction from Great Guy in The degradation of work and wages   
    One of may favourite hobo stories was when I'd finished a long shift at my Nomura drone desk job on a Thursday heading into the lift to go home - only to be met by Guy Hands who sarcastically told me he was going up to the ninth floor for food and unless I was joining him to get in another lift. I cheekily asked if that was an invite and he squirmishly said yes so off we went to the hallowed 9th floor and Christ when the door opened it was a different world.... a pianist filled the room with music and I sat inbetween Guy and one of his analysts, waited on, eating fine foods and talking markets. It didn't end there as I was able to gatecrash a few more times before I left the company.