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Frank Hovis

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  1. Agree
    Frank Hovis reacted to Great Guy in Lumpy mattress time? Who is stashing their cash?   
    If they wanted to stop people "stockpiling" cash all they have to do is bring in new notes more frequently and demonetize old notes. If you've got £20k in notes that are about to become worthless you'd be forced to go to the bank and change them... 
    M0 is the economists term for cash in circulation (ie notes and coins). M0 for the UK is £89 billion... That's about £1,300 for each man woman and child in the UK....
    https://tradingeconomics.com/united-kingdom/money-supply-m0
     
  2. Agree
    Frank Hovis reacted to xyz in The Presidential Election, Trump-Biden   
    How is electoral fraud not a criminal issue?
    If they aren't supposed to investigate the fraud then I'm not sure who is. We see all this clear evidence and then nothing happens about it at all.
  3. Lol
    Frank Hovis reacted to xyz in The Presidential Election, Trump-Biden   
    So I take it no one from the DoJ or the FBI are investigating the clear fraud caught on video then.
    Never mind lads, but be sure to send 30 blokes round to investigate a pull cord in a NASCAR garage though.
  4. Informative
    Frank Hovis reacted to ad_ceng in Boris, Starmer, Lib Dems or naughty troublemaker Farage?   
    I spent 8 hours next to him on a flight last year, he was a really nice and genuine guy with a love for his country 
  5. Agree
    Frank Hovis reacted to The XYY Man in Electric Car Market - Something Odd Going On   
    We had gone there to look at automatic cars as Mrs XYY has lost confidence since she passed her test in February because she keeps stalling our current manual car, particularly at busy roundabouts.
    We had a look at the half a dozen that they had, and bought the red one after a test drive...
     
    XYY
     
  6. Agree
    Frank Hovis got a reaction from Great Guy in Lumpy mattress time? Who is stashing their cash?   
    For some people frugality is an end in itself.
    We all get flashes of it in that we buy reduced stuff in the supermarket and that we like to keep things like cars going rather than replacing them every three years.
    Yet when you get to the extreme money savings tips, the "Queen of Mean" for example, it becomes an end in itself which begs the question "Why are you doing that?".
    It was down to trying to cling to every penny to the extent of even self-rationing toilet paper.
    I've been accused of being frugal but I would say it's more that I demand value from what I buy.
    For example with booze frugal would either not buy it or buy the cheapest (Frosty Jack cider or the cheapest supermarket lager) whereas being value-driven I will buy the best non-branded lager so paying for the lager and not the marketing.
     
  7. Lol
    Frank Hovis got a reaction from Bear Hug in Electric Car Market - Something Odd Going On   
    Now that's what I call an impulse purchase!
  8. Agree
    Frank Hovis reacted to Bobthebuilder in The what guitar have you got? thread.   
    Paging @MrPin.
    Found the 67 Gretsch Dou jet and a 1964 Hofner V2 in need of repair.

  9. Agree
    Frank Hovis got a reaction from Conniption in Lumpy mattress time? Who is stashing their cash?   
    This would be for banks and possibly for gilts rather than personal depositors through.
    The current rush for yield on cash is into premium bonds because they still yield 1.4% when the rates on other savings accounts have been slashed; my mother mentioned getting 0.1% on her post office account.  And the more bonds you hold the closer you get to that hypothetical rate.
    Consequently they are extremely busy and it is apparently near-impossible to get through on the phone; plus they advise not sending letters because they aren't opening them because they are on a only a third of staff.
    One has to question why they are only on a third of staff given the government's telling everyone else to go back to work.
     
    Interest rate.
    https://www.nsandi.com/our-products
    Rush to buy.
    https://www.moneysavingexpert.com/news/2020/06/p1-5-billion-worth-of-premium-bonds-bought-in-april-as-savings-r/
  10. Lol
    Frank Hovis got a reaction from The XYY Man in Electric Car Market - Something Odd Going On   
    Now that's what I call an impulse purchase!
  11. Agree
    Frank Hovis got a reaction from Mirror Mirror in Boris, Starmer, Lib Dems or naughty troublemaker Farage?   
    Farage.
    He is genuinely a man of the people rather than establishment stooges like the others listed IMO.
    He has tremendous popular support and if he would put his efforts into forming a genuinely populist party with a full range of policies then he would have the keys to number ten in a few short years.
    Maybe though he doesn't want that but is happy making his videos instead.
    And if that makes him happy then good luck to him as he devoted most of his life to achieving BREXIT and so already has his place in history.
  12. Agree
    Frank Hovis reacted to Chewing Grass in The Presidential Election, Trump-Biden   
    Never seen views not being counted, deliberately removed any superfluous stuff from the link as well.
    Still at 114 views and back to 7 likes, I'm convinced this is a new form of censorship from Google to prevent it gaining popularity. They must have the ability to disable and override the counter.
     
  13. Agree
    Frank Hovis reacted to swiss_democracy_for_all in Electric Car Market - Something Odd Going On   
    No they're not. They are cost-competitive already for people with a very specific set of circumstances.
    The irony is that they are most cost-competitive for people who would otherwise be driving an ICE BMW or a Merc who are living a very eco-unfriendly lifestyle who own a house and have a very long commute.
    With the advent of the electric Citigo they are also very cost-competitive for the kind of people who own a house and who want a newish city car.
    The problem is the underlined bits. They're only good for people who own a house and don't do Dosbodder-style bangernomics.
     
  14. Informative
    Frank Hovis reacted to Wight Flight in Lumpy mattress time? Who is stashing their cash?   
    Not always.
    If you ever watch, can't Pay, We'll take it away, whenever they visit a corner shop type place, half a dozen relatives turn up with a few £k cash each.
  15. Agree
    Frank Hovis reacted to deathfunk in The Presidential Election, Trump-Biden   
    They have been. Though only in isolated areas and not widespread enough to affect the overall result. The problem they had this election was Trump's win was so large and so unacceptable to them that they were forced to overplay their hand.
  16. Agree
    Frank Hovis reacted to Long time lurking in The Presidential Election, Trump-Biden   
    Still on n114 after i viewed it and it was via your link 
  17. Lol
    Frank Hovis reacted to eight in Bleeping SNOW   
    Tan Hill have got rain, dear.

     
    I think we do girl's drinks too.
  18. Agree
    Frank Hovis reacted to Wahoo in Bleeping SNOW   
    I love snow.  It breaks up the dull routine.  I love walking in it and driving in it.....4x4 truck has no problem.
    Driving down through Scotland two years ago was amazing. Everything covered in snow and brilliant sunshine.
    Then heading up out of Inverness hit a blizzard....loved it.
  19. Agree
    Frank Hovis got a reaction from VeryMeanReversion in Boris, Starmer, Lib Dems or naughty troublemaker Farage?   
    Farage.
    He is genuinely a man of the people rather than establishment stooges like the others listed IMO.
    He has tremendous popular support and if he would put his efforts into forming a genuinely populist party with a full range of policies then he would have the keys to number ten in a few short years.
    Maybe though he doesn't want that but is happy making his videos instead.
    And if that makes him happy then good luck to him as he devoted most of his life to achieving BREXIT and so already has his place in history.
  20. Agree
    Frank Hovis got a reaction from Conniption in Boris, Starmer, Lib Dems or naughty troublemaker Farage?   
    Farage.
    He is genuinely a man of the people rather than establishment stooges like the others listed IMO.
    He has tremendous popular support and if he would put his efforts into forming a genuinely populist party with a full range of policies then he would have the keys to number ten in a few short years.
    Maybe though he doesn't want that but is happy making his videos instead.
    And if that makes him happy then good luck to him as he devoted most of his life to achieving BREXIT and so already has his place in history.
  21. Agree
    Frank Hovis got a reaction from Melchett in 2015 Thalys terrorist attack   
    A defence has to be put because of the possibility that it might be correct and the police wrong; which obviously can happen.
    In this case it can be readily dismissed.
  22. Agree
    Frank Hovis got a reaction from honkydonkey in 2015 Thalys terrorist attack   
    A defence has to be put because of the possibility that it might be correct and the police wrong; which obviously can happen.
    In this case it can be readily dismissed.
  23. Agree
    Frank Hovis got a reaction from Byron in Boris, Starmer, Lib Dems or naughty troublemaker Farage?   
    Farage.
    He is genuinely a man of the people rather than establishment stooges like the others listed IMO.
    He has tremendous popular support and if he would put his efforts into forming a genuinely populist party with a full range of policies then he would have the keys to number ten in a few short years.
    Maybe though he doesn't want that but is happy making his videos instead.
    And if that makes him happy then good luck to him as he devoted most of his life to achieving BREXIT and so already has his place in history.
  24. Agree
    Frank Hovis got a reaction from mh9000 in Has Coronavirus officially killed the housing market?   
    What I don't understand is why so many people who only own one house think that the price of it going up by 6.5% is a good thing.
    If it was gold or shares then you can sell some and realise the profits - buy a car, go on holiday - yes that's good news.
    You can't however sell some of your house (yes ok equity release but 'tis a very poor deal) and any house you may wish to buy when you sell your current house will also have gone up 6.5%.
    Once you have bought a house that's it; you own it.  Most people wouldn't consider STR (I wouldn't) so the only "benefit" of a rise is that you can say that you bought at the right / a better time.  Or rather that somebody on the salary you were then would not be able to afford it now.
    And why is that a good thing?
    There is a real lack of critical thinking here.  If you have children then house prices going up means that they can't buy therefore a bad thing.
    If you don't have children then you're living in the house until you pop off at which point you're not going to care what it is then worth.
    I accept on one level that I can say I bought a house for £XXXk and it is now worth 125% £XXXk so aren't I clever but as I can't take any benefit from that 25% rise then what good has it actually done me?
    I'm 25% £XXXk richer but I can't get at it to spend it.  In that case in what sense am I richer?
    You can't sell a house as you could a classic car, fancy watch, or antique because you are living in it.
    It's only ever paper wealth: you personally will never see that money.
    Its like having a notional valuation on your feet.  "My feet were worth £200k ten years ago but now they're worth a cool million!".
    Unless you intend to chop off your feet and sell them then the value is irrelelvant.
  25. Agree
    Frank Hovis got a reaction from gilf in Boris, Starmer, Lib Dems or naughty troublemaker Farage?   
    Farage.
    He is genuinely a man of the people rather than establishment stooges like the others listed IMO.
    He has tremendous popular support and if he would put his efforts into forming a genuinely populist party with a full range of policies then he would have the keys to number ten in a few short years.
    Maybe though he doesn't want that but is happy making his videos instead.
    And if that makes him happy then good luck to him as he devoted most of his life to achieving BREXIT and so already has his place in history.
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