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>> No. 3223 Anonymous
18th February 2013
Monday 7:58 pm
3223 Bitcoins
Have any of you bought Bitcoins or spoken to anybody that has?

The underlying principle of removing the role of the banking industry from transactions (or at least limiting its influence) seems noble but it stinks of a giant scam IMO.
644 posts and 29 images omitted. Expand all images.
>> No. 7243 Anonymous
12th January 2018
Friday 11:39 am
7243 spacer
So, that aside, anyone have any interesting ideas for skimming the crypto bubble?
>> No. 7244 Anonymous
12th January 2018
Friday 3:14 pm
7244 spacer
Write an ebook* about how to make money from the crypto bubble.
*plagiarise generic investment advice books and tropes like "buy low, sell high" until you've hit a hundred pages or so.

now, as for how to get people to buy your book instead of one of the thousands of others that are doubtless trying this stunt? dunno. maybe instead of a book do a website with ads on it.
>> No. 7249 Anonymous
13th January 2018
Saturday 12:21 pm
7249 spacer

Like a "libertarian" blog? There's so many, and they all talk such bollocks.
>> No. 7250 Anonymous
13th January 2018
Saturday 6:10 pm
7250 spacer

Should be easy to write one that isn't bollocks then ey?
>> No. 7251 Anonymous
13th January 2018
Saturday 7:15 pm
7251 spacer

Not really. The subject matter is inherently bollocks.

>> No. 7144 Anonymous
15th September 2017
Friday 5:31 pm
7144 spacer
If I have a decent amounts of USD sitting in a paypal account (roughly 2000), with the pound going back up, would it be the best for me to convert it all now?
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>> No. 7147 Anonymous
15th September 2017
Friday 7:23 pm
7147 spacer
>> No. 7245 Anonymous
12th January 2018
Friday 5:03 pm
7245 spacer
http://www.bbc.co.uk/news/business-42661361 Looks like I was right to convert when I did.
>> No. 7246 Anonymous
12th January 2018
Friday 7:18 pm
7246 spacer
Well you didn't convert it because you knew that was going to happen - did you?

Timing conversions like this is pretty much just gambling. Unless you are George Soros then you likely have no idea where exchange rates will go next (past performance is not a guide to future performance).
>> No. 7247 Anonymous
12th January 2018
Friday 7:20 pm
7247 spacer
Would've made fuck all difference.
>> No. 7248 Anonymous
12th January 2018
Friday 7:21 pm
7248 spacer
Would've made fuck all difference.

>> No. 3840 Anonymous
19th September 2013
Thursday 10:03 pm
3840 Pensions
The OFT have come out and said that many old (i.e. set up before 2001) pension schemes have high charges and offer savers poor value for money. They've also suggested a cap for auto-enrolment schemes, but it's going to be an almost meaningless gesture as you'd be very hard pressed to find a provider offering auto-enrolment terms with annual management charges greater than 1% anyway.


The pension scheme I'm in at work (contribution: 5% employer, 5% employee gross) has management charges of 0.6%, which I'm alright with as it's less than I'd get if I was investing in collectives through an ISA.

However, I've put the charges and contribution details into Invidion's pension calculator for an idea of what I'd get when I'm 65, 40 years from now, and if my salary increases in line with National Average Earnings and I took the 25% tax-free lump sum I'd be looking at a pension in today's terms of 27.5% of my current salary. If I wanted a pension that would be about two-thirds of what I'm earning now then I'll need to contribute, assuming the employer contribution stays at 5%, 15% gross (12% net) of my salary every year for the next four decades. This does depend on what annuity rates will be like then and I'd also be getting the State Pension, as long as they haven't upped the age you receive it to 80 by then.

If it wasn't for the tax relief and my employer matching my contributions then I doubt I'd bother and I'd look into other ways to support myself while I'm in retirement. What about you lads? What are your thoughts on pensions? In my opinion to have any form of decent retirement income you're at the mercy of your employer offering a good pension scheme.
529 posts and 22 images omitted. Expand all images.
>> No. 7223 Anonymous
18th December 2017
Monday 7:52 pm
7223 spacer

Going into administration is effectively a compulsory takeover of the management. The appointed administrators will have the task of representing the creditors of Toys R Us to achieve a maximum return on their liabilities. That might mean restructuring the company, it might mean selling it as a going concern or it might mean closing up shop and stripping the assets.

If the PPF think that the current management of Toys R Us are unable to turn the business around, then it's probably in everyone's best interests to force them into administration. The CVA might protect some jobs in the short term, but it might also just drag out the inevitable. If Toys R Us keep trading and incur further losses, then it's harder for the PPF to recover funds to close the pension deficit.

Defaults on corporate debt can cause secondary job losses. A large proportion of the debts of Toys R Us are credit lines from suppliers - everything from toy manufacturers and distributors to the people who tarmac their car parks. Poorly managed insolvency can have a domino effect on other companies. If I sell to Toys R Us and they aren't paying my invoices, I might be unable to pay my suppliers and so on. Trading while insolvent is a criminal offence for good reason.
>> No. 7224 Anonymous
18th December 2017
Monday 8:15 pm
7224 spacer
>The fundamentals are very poor for this business, I don't see how they survive.

They're one of those companies you're surprised have lasted as long as they have.

The stores are depressing and look no different inside than they did twenty years ago, which were already quite dated at the time. I was in one a few years back and was amazed they were still trying to sell VHS tapes, which were priced at around a tenner each.
>> No. 7225 Anonymous
19th December 2017
Tuesday 1:19 pm
7225 spacer
Yeah agreed - I visited one about ten years ago when I first became a dad, they had a surprisingly good range of baby gear (which is quite obvious when you think about it) but the shops were depressing and dated, even back then.
>> No. 7226 Anonymous
19th December 2017
Tuesday 8:17 pm
7226 spacer
>The British arm of Toys R Us faces being plunged into administration within the next 48 hours, risking the loss of up to 3,200 jobs, after the UK’s pension lifeboat fund indicated that it would block a restructuring proposal for the ailing business.

>The retailer has offered to pay about £1.6m, related to contributions due to the PPF by March, but has said it does not have the resources to pay the remaining £7.3m that has been demanded, according to people briefed on the talks.

>The PPF has suggested a solution whereby the US parent waives an annual royalty fee to use the Toys R Us name, worth about £9m a year. But the US parent has argued that it is unable to do so under the terms of its court-led bankruptcy process. Toys R Us filed for bankruptcy protection in the US and Canada in September after struggling to compete with online competitors. It has been forced to put in place a plan to restructure almost $5bn in long-term debts.


That's that, then. Toys R Us will collapse on Thursday. £584.5m in loans to the parent company written off, most likely extracted by private equity firms.
>> No. 7227 Anonymous
19th December 2017
Tuesday 9:14 pm
7227 spacer



>> No. 7208 Anonymous
17th December 2017
Sunday 1:00 am
7208 Loved this diagram
I think it puts into perspective some of the furore around bitcoin.
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>> No. 7216 Anonymous
17th December 2017
Sunday 7:05 pm
7216 spacer
Lean away from the screen.
>> No. 7217 Anonymous
17th December 2017
Sunday 7:08 pm
7217 spacer
marple is getting old and his eyes aren't what they were.
>> No. 7218 Anonymous
17th December 2017
Sunday 7:40 pm
7218 spacer
It is an optical illusion, they look fine to me.
>> No. 7219 Anonymous
17th December 2017
Sunday 8:03 pm
7219 spacer
They used to be about 400x400 but now they're up to twice that.
>> No. 7220 Anonymous
17th December 2017
Sunday 8:09 pm
7220 spacer
They're getting smaller. I think we'll be okay.

>> No. 7182 Anonymous
2nd October 2017
Monday 3:57 pm
7182 Personal development/study options going forward
Hullo britfa.gs been a while. I would be grateful for your bright ideas on how to get ahead in life and career. This is a bit /job/ and /uni/ too but fundamentally it all comes down to investing in myself so thought this board is the most relevant.

I've just finished my 3 year 'graduate programme' with my current employer and I think I have it in me to be good at all this business malarky - I have done stints in the marketing/communications and business development bits of the business and some other bits. However I studied an arts degree and training/development at my current firm is a joke. I want to go back to some kind of school and spend a while getting a firmer grip on how to be a productive manager and general 'doer' at work. I am envious of a housemate who did a full on financial management bachelors, who's now working his way up in a technology firm doing his CIMA.

Going back to uni and doing a Bachelors would seem way too OTT, so I looked at MBA programmes, particularly in the Netherlands (cheap fees and tuition is in English). However, those require you to have a relevant Bachelors, and good practice in statistics/analysis, which I don't. I would be happy to shell out for a short course, even something online, which could help.

I have about £11,000 in savings and legacies from deceased relatives that I can invest in my personal development. If I were to do a full time qualification I'd work part time to help pay bills. With something less full on I'd stick it out with my current employer.

Starting to feel a bit trapped here. Could any of you offer some tips on what kind of services I could turn to for advice, or what you would do in my situation?

Cheers lads.
Expand all images.
>> No. 7183 Anonymous
2nd October 2017
Monday 4:41 pm
7183 spacer
You don't need another degree. After a few years in the workplace professional experience/qualifications count for far more than a degree.

You don't need to do a finance degree in order to work in a finance department and study to be a chartered accountant via CIMA.

questioning northerner.jpg
>> No. 7024 Anonymous
14th June 2017
Wednesday 2:18 am
7024 Should people with less than perfect language skills be trusted?
I can't quite come up with a satisfying answer to this. On the one hand, you'd expect someone you're potentially employing to carry out skilled work to at least be able to throw together a grammatically correct and properly spelled sentence in an email. On the other hand, a lot of skilled tradesmen and craftsmen, especially in niche fields, seem to be terrible at email but personable in real life, and their trade skills can make up for their poor communication skills. On yet another hand, can you really trust someone to carry out a job requiring attention to detail if they don't have the attention to detail to ensure their grammar and spelling are correct in their emails and letters to you?
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>> No. 7139 Anonymous
30th August 2017
Wednesday 11:19 pm
7139 spacer
>>7136 This is now getting off topic. Yes I want a nurse or whatever to document correctly, but as for whether they talk proper or can construct beautiful written pros is entirely redundant as to whether they are trust worthy or good at their job. I know shit doctors who can write a great letter and I know great doctors who write shit letters and I know which ones I prefer to work with.
>> No. 7140 Anonymous
31st August 2017
Thursday 12:52 am
7140 spacer
The one that writes great letters?
>> No. 7141 Anonymous
31st August 2017
Thursday 9:05 pm
7141 spacer

I think we've simply answered the question by now frankly. Depends on the job.

They don't have to be William Shakespeare, but I think the capability of at least a certain level of attention to detail and clarity is absolutely neccesarry in certain jobs.

I wouldn't expect grammatical competence from a bricklayer, unless he somehow misplaces his decimal place and accidently orders half a brick instead of 500.

Neither of these have much bearing specifically on how far I'd trust them or rate their competency; that's boiling it down far too much.
>> No. 7142 Anonymous
31st August 2017
Thursday 11:48 pm
7142 spacer
I used to collaborate in several past jobs with teams in Bangalore, the top tier investment bank was fine, they had clear diction. But the other company was just awful, I understood maybe 50% of what was said and had to piece it together. I had to find ways to get everything in emails because otherwise the ambiguity made my job undoable.
>> No. 7143 Anonymous
1st September 2017
Friday 2:40 am
7143 spacer

The number of international video/conference calls I'll been on where I've basically just zoned out and asked everyone to confirm all the action points via circular email is probably very close to 100%.

>> No. 7123 Anonymous
11th August 2017
Friday 2:20 pm
7123 UTF8 should be back
Which means the URL of this board should contain the right characters. Sorry about that chaps. Its working fine on the limited number of browsers I can test with, but please report in.
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>> No. 7124 Anonymous
11th August 2017
Friday 3:02 pm
7124 spacer
good stuff

>> No. 7091 Anonymous
27th July 2017
Thursday 7:42 am
7091 Tales of frugal regret.
Any good stories relating to when you/they should have just forked out that little bit extra?
20 posts omitted. Expand all images.
>> No. 7114 Anonymous
30th July 2017
Sunday 5:05 pm
7114 spacer
That's really not the case. Not that it matters, since it doesn't really impact on the cost. Spare parts and repairs don't magically cost more at MOT time. The tyres and brake pads won't be cheaper to fix earlier or more expensive to fix later. In the past, I've had to get £200 worth of welding done to get a 10yo through the MOT. No "anticipation" possible there.
>> No. 7115 Anonymous
30th July 2017
Sunday 5:23 pm
7115 spacer
>>7113 Well, yeah. I anticipated _something_ going wrong with my 140Kmile Astra. Changing everything that could possibly go wrong, though, would have been insanity. Suddenly, the wretched thing goes into spanner mode on first acceleration, and it ignores the throttle from then on - just sits at (smooth, healthy sounding, happy but powerless) idle. Toss. Can't even get it to admit error codes but pressing pedals before turning the key. Double-toss. Can't limp it to the garage on a 700rpm idle. Triple-toss.
>> No. 7116 Anonymous
30th July 2017
Sunday 6:37 pm
7116 spacer

Any whistling noises or air blowing from the engine? My first guess would be head gasket trouble. Though if your ECU was detecting that and putting it in limp mode it'd almost certainly be throwing up a code.
>> No. 7117 Anonymous
30th July 2017
Sunday 8:26 pm
7117 spacer
>>7116 Interwebz suggests MAF sensor, EGR clogged or turbo bollocksed.
There has been a light whistling noise on boost sometimes. I've been driving very gently for teh last month, trying to get 600 miles out of each tank, so I may have killed it by not ragging it - would be annoying if so.
Coolant is pristine-clean, and oil is normal-mucky, no sign of the two mixing. Head gasket would seem unlikely.
Anyway, not yet sure if I regret my purchase.
>> No. 7118 Anonymous
30th July 2017
Sunday 9:05 pm
7118 spacer

Even if you don't care about fixing it, it's always handy to have one of those bluetooth OBD sensors on hand. You can get a knockoff Chinese one for a fiver off ebay, and use it with Torque app on your phone to read the error codes.

>> No. 7057 Anonymous
18th July 2017
Tuesday 3:32 pm
7057 spacer
A friend of a friend who stayed with me for a while but has now left somehow accidentally got a credit card he ordered sent to my address.

Is it okay to hand it over to him or does this sound like it might be some sort of fraud where I'd be accountable for the debt?
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>> No. 7086 Anonymous
20th July 2017
Thursday 12:57 pm
7086 spacer

Stop shitmailing you lot.
>> No. 7087 Anonymous
20th July 2017
Thursday 9:07 pm
7087 spacer

Well, if it isn't the mailmaster general him/her/itself.
>> No. 7088 Anonymous
21st July 2017
Friday 12:44 pm
7088 spacer
Mailman Pat sounds like a transvestite performer rather than a loveable children's character.
>> No. 7089 Anonymous
21st July 2017
Friday 1:33 pm
7089 spacer
A she-post, of you will.
>> No. 7090 Anonymous
21st July 2017
Friday 3:06 pm
7090 spacer

The worst sort of tranny who simultaneously trolls Paul Joseph Watson's and Danny Dyer types. Torture Garden in the late 90's/early00's had tons of tnhem.

>> No. 6744 Anonymous
8th December 2016
Thursday 11:54 pm
6744 spacer
Lads who started their own businesses, could you give me a walk-through of some the things you did to make it? From the idea, to the settled daily grind and money making part?
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>> No. 6872 Anonymous
1st February 2017
Wednesday 9:15 am
6872 spacer
Currently trying to partner with an oil & gas company through accelerator programmes so I wouldn't have to worry about that among couple other things. Every bloody thing is regulated in this industry.
>> No. 6873 Anonymous
1st February 2017
Wednesday 10:15 am
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If only they would let you make money with no restrictions. It's not like anything disastrous has ever happened on an oil rig.
>> No. 6874 Anonymous
1st February 2017
Wednesday 8:01 pm
6874 spacer
If its going to be in open air or in a hazardous area on the rig then it will probably fall under the DSEAR regs and a significant source of ballache later down the line.

Completely off topic, but I can offer some pointers if you'd like.
>> No. 7055 Anonymous
18th July 2017
Tuesday 12:47 pm
7055 spacer
This is probably relevant to this thread... How do I find a good accountant? Pick a reasonably priced one from google results and hope it works out?
>> No. 7056 Anonymous
18th July 2017
Tuesday 2:54 pm
7056 spacer

Personal recommendation. If you don't know any local businesspeople, get in touch with your local Chamber of Commerce. They will run free or cheap business networking and training events.


>> No. 7026 Anonymous
22nd June 2017
Thursday 2:50 pm
7026 spacer
Hello .gs,

I'm not sure if this is /emo/, /£$€¥/ or /job/ but I'm throwing my lot in here.

I've just moved into a situation for the first time in my life where I'll be able to make a start at making savings. I've just finished up with the university student life, and I've been lucky enough to land a job that pays a a pretty high salary (18.5k take-home, not including overtime). It's a job I can do well, and I can see myself putting at least 5 years into it.

The trouble is, I have no idea where to start when it comes to savings beyond immediately getting out of the student overdraft. I have no credit card debt or any other kind of debt beyond the overdraft, into which I am about 1.5k deep.

I don't know anything about investing and I don't expect to learn anything in-depth about it from an imageboard - instead I'm looking for anecdotal advice, stuff that's worked personally for people.


I have about ~£150-200 a week that I can save/invest after I clear my overdraft. What should I do with it?

Message too long. Click here to view the full text.
22 posts omitted. Expand all images.
>> No. 7050 Anonymous
26th June 2017
Monday 7:03 pm
7050 spacer
You're clearly not as middle class as you think.

What's wrong with Sandra?
>> No. 7051 Anonymous
26th June 2017
Monday 10:11 pm
7051 spacer
She won't stop sending me baby pictures I mean they're not even her babies I don't understand.
>> No. 7052 Anonymous
29th June 2017
Thursday 12:17 pm
7052 spacer
What's that supposed to mean? I though inherited wealth and education made me middle class, not being an entitled cunt about it.
>> No. 7053 Anonymous
29th June 2017
Thursday 5:11 pm
7053 spacer
If a dog is born in a stable it doesn't make it a horse. Money doesn't give you class, you filthy new money scum.
>> No. 7054 Anonymous
30th June 2017
Friday 3:13 am
7054 spacer

Going out and grafting hard to earn a bit of butty is what it's all about.
Nobody is entitled to anything apart from those that can't work for their butty.
Anyone taking a butty will be shot.

>> No. 7013 Anonymous
12th June 2017
Monday 11:36 am
7013 Lifetime ISA
These a good idea, boys?

The basics:
>18-39 to open one
>pay in anything upto £4k per tax year
>25% hmrc top up on payments in that year each april
>can pay in every year up to 50 years old
>can only withdraw the money with no penalty for a first time property buy or upon turning 60 years old
>25% penalty for withdrawing at any other time for any other purpose, effectively a 6.25% penalty on what you initially paid in
>counts towards your overall £20k a year isa allowance

I've been toying with the idea of starting to save seriously for buying a house but I've been unconvinced that it's the best investment for me. However, this makes it seem like it may be the best option now. I've got £4k to stick in one right now then I should be able to put £1-2k a year for the next few years too which should get me a decent deposit. I'm highly unlikely to need to take the money out for any reason so the penalties don't concern me, and even if I do the penalty is manageable.
4 posts omitted. Expand all images.
>> No. 7018 Anonymous
12th June 2017
Monday 7:20 pm
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Is there any reason to be concerned about the lack of providers? I've been looking at the Skipton product, I can't conceive of any reason to not go for it. I think they offer a 0.5% interest rate if I remember rightly, which is mostly irrelevant because the only reason anyone is doing it is for the government bonus. From what I understand, if I invest with Skipton, then more providers offer the Lifetime ISA in future, then I can freely transfer my balance with no penalty to another Lifetime ISA.
>> No. 7019 Anonymous
13th June 2017
Tuesday 5:37 pm
7019 spacer
If the take up rate is low then they're more likely to be pulled, be that by the FCA, the government or providers themselves.
>> No. 7020 Anonymous
13th June 2017
Tuesday 5:48 pm
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What would happen to my investments in that instance?
>> No. 7021 Anonymous
13th June 2017
Tuesday 5:50 pm
7021 spacer
You would lose 6% of it.
>> No. 7022 Anonymous
13th June 2017
Tuesday 6:43 pm
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I imagine they'd either let existing investors continue or stop them from contributing in future years but with everything built up so far preserved.

>> No. 7009 Anonymous
4th June 2017
Sunday 11:13 pm
7009 Online or High Street Estate Agents?
I'm looking to move house soon. I've got a mortgage on a little two up two down, looking to move to a three bedroom somewhere nearby.

My question is; how should I go about selling it? The options seem to be to sell it yourself (which I'm not going to be doing), to go with an online only estate agent, or to go with a high street estate agent.

On the face of it, it seems like the best option, money-wise, to go online-only (say, with purplebricks.com or something). You can arrange a fixed fee to be payed after the house is sold, generally it does work out cheaper. You do pay something like a grand and a half more with a high street estate agent (variable).

I can't escape the nagging suspicion, though, that you get more for your money with high street estate agents. I'd like to know that there's somewhere I could go to kick up a fuss if something goes wrong; I'd like someone to give people tours of the house when we're not in; I'd like someone who I can ring up and ask daft questions after because I don't know anything about selling a house and they know everything.

Has anyone else sold a house before? Did you do it with an online only or a high street estate agent? Have you done it the other way as well, before? Which is better? Do you wish you'd done it differently?

It seems like a small decision, but I can't really seem to pick one over the other. I need more input from real people to make a decision. Help is much appreciated.
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>> No. 7010 Anonymous
4th June 2017
Sunday 11:25 pm
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Most people look on Right Move so it doesn't really matter who you go with.
>> No. 7011 Anonymous
4th June 2017
Sunday 11:59 pm
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So right move aggregates listings from all major estate agents? Is the fit traffic from high street estate agents not worthy of consideration? How do you know most people search on right move?
>> No. 7012 Anonymous
5th June 2017
Monday 12:06 am
7012 spacer
>So right move aggregates listings from all major estate agents?
No, a lot of estate agents list their properties on Rightmove.

>> No. 6491 Anonymous
7th August 2016
Sunday 4:59 pm
6491 Estate agents
I'm buying my first house and they have accepted an offer on the house. I was checking on the advert on right move to get some measurements and I noticed that they have updated the advert to:

PUBLIC NOTICE! William H Brown are now in receipt of an offer for the sum of £140,000 for ****************. Anyone wishing to place an offer on this property should contact ****************** before exchange of contracts.

Is this usual/legal for them to publicise the bid they've received in order to basically create an auction type situation? I've sent them a snotty e-mail asking them to not publicise the amount we have bid because that just seems pretty unfair.

Anyone have similar stories?
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>> No. 6945 Anonymous
26th April 2017
Wednesday 8:57 pm
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Not him but I always assumed setting one's wife, sister or daughter up in a no-customers tanning salon was the way to clear those cocaine thousands.
>> No. 6946 Anonymous
26th April 2017
Wednesday 9:03 pm
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My anecdotal evidence is that the reason Asian graduates are less likely to be employed is because they're freeloaders. If Daddy is a rich solicitor or doctor who regularly gives them money to fund their lifestyle then there's little motivation to stand on their own two feet.
>> No. 6947 Anonymous
26th April 2017
Wednesday 10:21 pm
6947 spacer
Alright bigot lad, then how do you explain how almost ALL uni educated minorities are more likely to be unemployed compared to their white counterparts? Do they all have rich doctor-teacher dads too?
>> No. 6967 Anonymous
17th May 2017
Wednesday 6:48 pm
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He turned out to be a lovely bloke. Moving next week.
If he was a godless bastard like me, I'd have left him a nice bottle of wine and my collection of takeaway menus, but given that he's of a Polar persuasion and already lives locally, that's not really helpful. The Mrs thinks flowers. That's not too weird, is it?
>> No. 6970 Anonymous
18th May 2017
Thursday 3:56 am
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Everyone likes a nice box of chocs. Unless they're lactose intolerant, but a truly multicultural society should have zero tolerance for intolerance. Or vegans, but fuck vegans.

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