Frank Hovis

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  1. Agree
    Frank Hovis reacted to Van Lady in Deluded Old Scrapper Birds On Dating Sites   
    Yes, I definitely think big ego is a problem with the female in my post above. Knows everything about training dogs, everything about people and all there is to know about how the universe really is.
    She also has had a personal gym constructed in her garden with bespoke equipment.......husband’s money I suspect!
    In the recent conversation she told me about her week with two lunches out with friends, two motorbike long trips with husband, taking their pup to dog training and daily stuff that sounded like a really nice domestic situation to me. Yet she felt....flat...her word for being disappointed and disatisfied with life. I don’t know what folk like her expect from life? What more do they want?
     
     
  2. Agree
    Frank Hovis reacted to The Masked Tulip in Deluded Old Scrapper Birds On Dating Sites   
    I hate those kind of people.
    Often the worst thing about them is that they think that their good lives are down to themselves being better than others. Tremendous amount of self-entitlement wrapped in enormous ego.
  3. Cheers
    Frank Hovis reacted to Bedrag Justesen in Twat of the day.   
    Hackney Abacus gets some stick but sipping a small can of M&S Mojito, which granted, contains alcohol, so is against the law, does that really warrant full MSM scorn ?
    TOTD nomination for whoever contacted the media with that image.
     
  4. Agree
    Frank Hovis got a reaction from Great Guy in Why are the So-Called BBC such arseholes?   
    Quite.
    We are a civilised people; in 1918 after the great national struggle of WWI the 40% of men previously excluded from voting together with the majority of women were given the vote.
    It was felt to be fair after the way the whole country had contributed.  Brave as some of the suffragette protesting had been (particularly the horrific force feeding of hunger strikers that led some to have eating difficulties for the rest of their lives) I don't think it made much difference.  The way the war touched everybody changed so much and broke the old class structure that had excluded from voting those who weren't property owners - the 40% of men and pretty much all women.
    The debates in both Houses of Parliament saw majority cross-party unanimity. The Home Secretary, George Cave (Con) within the governing coalition introduced the Act:
    https://en.wikipedia.org/wiki/Representation_of_the_People_Act_1918
    The Taliban as you say wouldn't give a stuff.  If you want to starve yourself to death: off you go.
  5. Agree
    Frank Hovis reacted to M S E Refugee in thirsty work   
    Owen thinks it's fine for Diane Abbott to drink on the Tube because he's on the same side.
    He would be apoplectic if it was Robby Bobinson doing the same thing.
     
  6. Agree
    Frank Hovis reacted to Funn3r in thirsty work   
    How are people supposed to know? I regularly drink overpriced cans sold on trains. To them it's "tfl" but to me it's just another train but suddenly you're not allowed to drink on this one. 
  7. Agree
    Frank Hovis reacted to Van Lady in Where then?   
    Indeed. There are still folk out there who can teach without qualifications! I helped my own two with basic stuff like grammar, equations etc due to not being taught at school.
    Other stuff like e.g. stone carving, dovetail joints etc is passed on without any other qualification other than life experiences.
  8. Agree
    Frank Hovis reacted to goldbug9999 in Where then?   
    I think I can count the significant things that I've learned face to face with a human instructor on the fingers of one hand. Not sure why I have such difficulty absorbing new concepts directly from someone else, I don't know if my brain is wired differently to other people or if I'm just a bit thick , well I don't think I'm too stupid as I have people queuing up to pay very decent amounts of money to do coding. Paradoxically I seem to be very good at explaining things to other people, someone at work once said that "explaining things is your super power". Weird indeed.
  9. Agree
    Frank Hovis reacted to eight in How much chocolate do you usually eat at Easter?   
    Twirl has lost the plot. Last one I had I actually spat out, and threw the other finger and a half away. If you knew me well you would realise the gravity of this situation.
  10. Agree
    Frank Hovis got a reaction from Durabo in Where then?   
    You're unusual then.
    I always learn better with a teacher who knows their subject in depth.
    Whether it be academic, musical instrument, or martial arts.
    I don't just want to do the rote learning and worked examples; I want someone who knows it teaching me and sharing their knowledge and enthusiasm.
    When I have the time I will be happy to shell out for guitar lessons, for example, because that's ten times better than just copying somebody in a YouTube video.
    I read books and garner facts from them but I have always learned from people.
  11. Agree
    Frank Hovis got a reaction from Austin Allegro in Why are the So-Called BBC such arseholes?   
    The new post empire model for the world is incompatible with military force.
    Armies are to defend or attack and capture.
    If we were going into Afghanistan to conquer it, enslave its population and draw wealth from it then it would make sense.
    If we were going in to punish the regime for supporting terrorism then you bomb the country back to the stone age so that it cannot be a threat: destroy the cities, roads, factories, power plants.
    End of threat.
    We didn't however do anything, we were never going to do anything. These "humanitarian" army missions give a nice warm glow to politicians and aid organisations but they achieve nothing as there is nothing that they can achieve; and the soldiers still die.
  12. Agree
    Frank Hovis got a reaction from SpectrumFX in Switching over a pension.   
    I've been in them for twenty years and they've been absolutely fine.  The "high risk" mantra gets trotted out but as long as you're with a manager with a good track record then whilst some companies in which they invest can go pop most arem't going to and those that succeed will vastly make up for it.
    In terms of risk well it's IMO a lot less risky than holding individual shares.  For myself Eurotunnel was a particular lemon and I was holding a lot of BP at the time of the Deepwater Gulf of Mexico leak.
    Carillion, Interserve, Polly Peck, Johnstone Press, Debenhams (clever move Mr Ashley! not...).
    Even if a VCT trust entirely implodes (meaning every single company in which they have invested goes sour - ain't going to happen) the day after I've invested in it I still get the 30% tax back; Ashley got nothing for his ?£60m Debenham's shares.
    As however with all investing it's about taking a long term view and having a balance in your portfolio.  I wouldn't advise anybody with £100k who wants that £100k back in one or two years to touch equities let alone VCTs because whilst they will usually do well long term in the short term they can see big falls.
    With VCTs I have however noticed the "Brexit uncertainty" effect as there haven't been many exits (VCT sells its shareholding for a big profit at flotation) for a while which means the dividends have dried up.  Again long term it's not an issue because this just means more in the future but there is a definite reluctance at the moment to come to market.
    The other feature of VCTs is that they pay high divdends following these exists and that is eating up, or returning, the initial investment with a high premium.  They're not like your standard FTSE company which would expect to have a steadily growing dividend stream.  Rather they pay the money back in dividends and then do new share issues within the same PLC for further investment.
    I like the model a great deal but you need to understand its dynamics.  In the short term you will get a lot more divdends from a VCT than from a FTSE100 tracker but they will begin to dry up after a time because of share dilution whilst the FTSE tracker divdends will keep growing.  I'm getting an £8k / £9k dividend stream at the moment but know that if I don't make any more investments then that will probably go up in the short / medium term (more exits) but thereafter reduce unless I make any further investments.  It will keep paying a dividend but as the model is invest / repay that investmnet / ask for more investment in the form of share capital then my shareholding will become increasingly diluted and my dividend will fall accordingly.
  13. Agree
    Frank Hovis reacted to snaga in Alexandria Ocasio-Cortez says 'no question' Trump is racist   
    Snoops now fact checking satire? I suppose with Cortez it can be confusing which is genuine and which is satire?

  14. Agree
    Frank Hovis reacted to The Masked Tulip in Alexandria Ocasio-Cortez says 'no question' Trump is racist   
    Yep, I can see that happening within 50 years. You will have parts of the US - just like here - where one group of people are working to pay the taxes to fund the others who do not work. Or who do very little work. People will get fed up with that in the years to come even more than they are now.
    It is going to become like one of those sci movies such as Soylent Green or The Hunger Games with people and areas clearly defined upon wealth or their productivity.
     
  15. Agree
    Frank Hovis got a reaction from whocares in How much chocolate do you usually eat at Easter?   
    Also none.
    Not through any effort on my part but because as I've got older I've lost my sweet tooth and additionally find chocolate to be rather cloying and greasy.
    I will have the odd one at work or Christmas to be polite but I'm not a fan.
    I used to love it as a child - woo hoo a whole Easter Egg just for me 
  16. Agree
    Frank Hovis reacted to Butthead in Attractive blokes more likely to cheat, bleats Guardian   
    Completely agree with this. Despite finding cold approaching more alright than I was expecting (post above) I didn't get any dates from it. I figured it's because it wasn't playing to my strengths, I'm not particularly good at small talk and not particularly charismatic, so making an impact on an attractive woman who has never met me before when we are both a bit drunk isn't easy.
    I do have strengths though, and this year I've joined some Meetup groups that allow me to show them off. I'm currently dating (and sleeping with) an attractive woman 6 years my junior* who I met at one of those. The difference in the way she responded to me having seen me in an environment where I excel, versus the way women respond to me day to day, is enormous. And she's not really a 'drinking in bars' sort of woman, I suspect if I had seen her in a bar and approached her I would have got nowhere at all.
     
    (*not the one of dubious occupation that I posted about in the DOSBODS thread!)
  17. Agree
    Frank Hovis got a reaction from One percent in Where then?   
    You're unusual then.
    I always learn better with a teacher who knows their subject in depth.
    Whether it be academic, musical instrument, or martial arts.
    I don't just want to do the rote learning and worked examples; I want someone who knows it teaching me and sharing their knowledge and enthusiasm.
    When I have the time I will be happy to shell out for guitar lessons, for example, because that's ten times better than just copying somebody in a YouTube video.
    I read books and garner facts from them but I have always learned from people.
  18. Agree
    Frank Hovis reacted to Bedrag Justesen in Why are the So-Called BBC such arseholes?   
    Veterans march up thread.
    Think this is the only TV coverage anywhere.
    Fair play to ITV Granada Reports.
     
  19. Agree
    Frank Hovis reacted to twocents in Why are the So-Called BBC such arseholes?   
    UK politicians knew about the difficulties of Afghanistan - or at least the newspapers did as at the time there were articles on that very subject about Russia's failure and the British experience in the olden days.  I expect their advisers knew.
    The reasons would include their egos, population anger after 911, one up on Russia and Blair wanting Labour to be seen as just as warmongering as the Tories after Wilson's refusal to get involved in Vietnam.  I dare say financial/oil reasons as well and strategic for invading Iraq.
    Yes they did know but they weren't at risk themselves.
  20. Agree
    Frank Hovis got a reaction from Bedrag Justesen in Where then?   
    You want to try being a regular on a football forum if you want stupid.
  21. Agree
    Frank Hovis reacted to Bkkandrew in Where then?   
    @Durabo
    LOL - you need to understand that the likes of @spygirl 🏆 @Frank Hovisand I are polymaths and @spunkois about to make our advice a subscription service behind a paywall.
    Act fast!
  22. Agree
    Frank Hovis reacted to Horrified Onlooker in How much chocolate do you usually eat at Easter?   
    No chocolate but epic amounts of booze. After much campaigning, the sailing club has finally got satellite sports and I have had my ticket stamped to watch rugby there all weekend while imbibing cheap beer!
  23. Agree
    Frank Hovis reacted to maynardgravy in If only.   
    Hollow the fucking thing out and inject it with styrafoam(sp?). Leave it as a tourist relic.
    Move all MPs to Aston in B'ham where they can marvel at all the enriching bottle of Guiness wondering around while John Snow can comment at all the white people that muster once a fortnight at Villa Park. Force them to walk to Witton station to ponder at what they've actually created.
  24. Agree
    Frank Hovis reacted to maynardgravy in If only.   
    Many of us inside too.
    The rest would sacrifice a goat or smash empty vodka lasses into fireplaces.
  25. Agree
    Frank Hovis reacted to The Masked Tulip in Islamification of Europe   
    Yep, I suspected so when I first saw it. But I wondered if this is a growing thought process or anger amongst a growing number of Americans? They seem to be getting much angrier about islam, and far more quickly, than many in the UK or Western Europe have.
    Or perhaps their Constitution allows them to be more publicly vocal in ways that doing the same in the UK or Western Europe would result in arrest.