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>> 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
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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
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A she-post, of you will.
>> No. 7090 Anonymous
21st July 2017
Friday 3:06 pm
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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. 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.
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>> No. 7074 Anonymous
19th July 2017
Wednesday 8:21 pm
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The pension system is a literal ponzi scheme that might blow up at any moment
>> No. 7076 Anonymous
19th July 2017
Wednesday 8:40 pm
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They'd still be unaffordable for many, especially bearing in mind they say the percentage you should be contributing to your pension is half your age plus a quarter of all salary increases.

What's getting a lot of coverage recently is a flexible State Pension age. The current State Pension age is 65 and the average male has a life expectancy of 21 years. If they have, say, a State Pension of £8,000 per annum that's £168,000 they'll be paid. If someone chooses to take it at age 60 instead then that £168,000 over 26 years is a reduced State Pension of £6,461 per annum.

It's not going to be enough to retire on, depending on their private provision, but could enable someone to cut down their hours or get a less stressful job.

Go on, lad. Explain how it is a literal Ponzi scheme.
>> No. 7078 Anonymous
19th July 2017
Wednesday 9:01 pm
7078 spacer
>unaffordable for many
Maybe the state pension shoudl subsidise it to an extent, but something's got to give. The universal state pensions days are limited.
>> No. 7079 Anonymous
19th July 2017
Wednesday 9:27 pm
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The wheels have been in motion with this for a number of years already.

Automatic enrolment into a company pension scheme has simply replaced the Additional State Pension/SERPS/State Second Pension which used to be on top of the basic State Pension. The only substantial difference is the onus has been shifted from the government to the individual.

People had the facility to opt out of the additional State Pensions, or it might have been compulsory as part of occupational pension scheme membership; those in final salary schemes would have an element of their pension known as guaranteed minimum pension and those in money purchase schemes would have DSS contracted out rebates paid in the following April. What the new State Pension has done, as a bit of an oversimplification, is move from having a basic amount with additional on top to having the additional amount already factored in with a deduction for periods of contracting out.

It's largely young people who will be hardest hit by this, as the additional pension they would have been able to accrue would almost certainly be considerably greater than the maximum available under the new system. However most people don't understand pensions and have little interest in doing so and the government have used levels of obfuscation about the new State Pension that even the most unscrupulous pension providers and financial advisers would think twice about so have been able to get away with greatly weakening the State Pension for future generations. Those close to State Pension age at the time were barely affected by this, in part due to being more likely to be contracted out at some point, so were unlikely to kick up a fuss whereas young people were unable to contract out so had the scope for accruing much higher additional pensions that has now effectively been capped.
>> No. 7080 Anonymous
19th July 2017
Wednesday 9:33 pm
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>Go on, lad. Explain how it is a literal Ponzi scheme.
A Ponzi scheme is one where the returns are paid from deposits. The State Pension is paid out from the same pot that taxpayers pay into. Of course, that it's technically true doesn't mean "pensions are a Ponzi scheme" isn't an utterly dumb thing to say.

>> No. 6744 Anonymous
8th December 2016
Thursday 11:54 pm
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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
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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
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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
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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
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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.
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>> No. 7050 Anonymous
26th June 2017
Monday 7:03 pm
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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
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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
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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
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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
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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.

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. 7025 Anonymous
14th June 2017
Wednesday 3:12 am
7025 spacer
I think it ultimately comes down to the signalling value of language. Nobody expects a tradesman to have particularly good writing skills, because it's almost entirely unrelated to their actual work. I'd look for other signs, like their van. If it's a rustbucket, they probably don't give a shit. If it's too flash, there's a good chance they'll rip you off. If it's a rental with magnetic decals over the Hertz logo, you might get burgled.

For office workers, obviously written English is very important. You'd expect decent grammar and an appropriate tone at the least. For professionals, it gets more nuanced. I'd trust a solicitor who writes to me in plain English much more than one who writes in legalese; either they don't know how to communicate in plain English, or they're trying to make themselves look important. Senior executives tend to write in short sentences or even sentence fragments as a sign of how busy they are and how important their time is.

>> 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
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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
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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
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>So right move aggregates listings from all major estate agents?
No, a lot of estate agents list their properties on Rightmove.

>> 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.
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>> No. 7004 Anonymous
30th May 2017
Tuesday 6:04 pm
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What virtual coin should I buy to make loadsamoney?
>> No. 7005 Anonymous
30th May 2017
Tuesday 6:31 pm
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>but show me an international money transfer company that will send ten grand's worth of wages to the other side of the world in that time and for that fee
Somali money transfer shops. You can send a grand right this second, and somehow it ends up in someone's phone in Somalia. I don't even understand how this all works, but I was reading about it and found it fascinating. They don't even carry cash around. They have money in their phones and shite.

Also other things like their use of solar panels and how it is cheaper in Somalia than it is here, is all very impressive.
>> No. 7006 Anonymous
30th May 2017
Tuesday 6:34 pm
7006 spacer
They all seem to be tanking right now. I don't follow it too much, so I'll let someone else spoon-feed you. Don't be a victim to a pump and dump.
>> No. 7007 Anonymous
30th May 2017
Tuesday 6:59 pm
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Whatever you can buy on a time travel trade at a lower price than it is now. BTC is on a high and so the halfway serious alts are all overvalued as a consequence. Anything else is probably either useless or a scam of some sort.
>> No. 7008 Anonymous
30th May 2017
Tuesday 7:36 pm
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A lot of traditional banking methods are haram, so the eskimo world has a completely parallel banking system. The money transfer system used by many eskimos, especially Somalis, is called Hawala. It works on pure trust. I give a broker a wad of cash and he gives me a password. I give the password to my foreign friend, who then gives that password to his local broker and is paid out an equal sum of cash. The two brokers make a note of the debt between them, which will either be cancelled out eventually through the course of trade or settled through payment in kind.


TransferWise are a British FinTech startup offering what is essentially a modernised version of Hawala. They have recently been valued at over a billion quid, even though most British people have never heard of them. They're miles cheaper than using Bitcoin.


>> 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.

>> No. 6948 Anonymous
12th May 2017
Friday 9:31 am
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Is it possible to set up a direct debit to a family member? And no I don't mean a standing order.
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>> No. 6963 Anonymous
14th May 2017
Sunday 3:22 pm
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Yes, you can get them. Many of them are reloadable, and some support contactless. The recipient hands over their details when they activate the card.

>> No. 6964 Anonymous
17th May 2017
Wednesday 5:10 pm
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Who's the target market for these? Are they just ersatz bank accounts for people who shouldn't be able to get bank accounts? How do the nice bank people explain this to the government?
>> No. 6965 Anonymous
17th May 2017
Wednesday 6:41 pm
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Wasn't the government keen on everyone having access to at least a basic bank account, regardless of their standing? Do these count?
>> No. 6968 Anonymous
17th May 2017
Wednesday 6:49 pm
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They're not banks.
>> No. 6969 Anonymous
17th May 2017
Wednesday 7:16 pm
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They're useful for situations where you might not trust the person using them, or the situation you're using them in.
For example some parents give them to teenage children for spending money, you can top it up with just however much you want them to have. They're good if you're travelling and are afraid of losing a card, there's less hassle than losing your main credit card. They're also useful for buying viagra from dodgy websites if you're into that sort of thing.

>> No. 6905 Anonymous
24th April 2017
Monday 10:18 pm
6905 Stocks and shares and funds and things
Lads, I've gone and done it. I poured all my savings into an IG ISA Shares account and went on a binge and bought shit loads of shares in different companies (see pic). Each worth about a grand.

If it goes tits up, I will just hold on to the shares until shit stabilises. I don't know how, but I want to turn £9k into £40k in a year or so.

How stupid am I? I checked earnings per share and all the other metrics that was on the website. Am I fucked? I feel like I fucked up, but hey-ho shit happens I suppose. If one of them increase ten-times over, it should cancel out everything else getting fucked... I think.
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>> No. 6923 Anonymous
25th April 2017
Tuesday 9:45 pm
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I created my own portfolio. It is full of volatile stocks that I believe will get me over 300% return in a year or so. I looked around most of the ETFs around the world and there was nothing that could obviously achieve >300% return. Maybe they aren't risky enough, or maybe most investors aren't as stupid as me.

So I settle for IG because they were the cheapest when you compare the per deal rates, Admin fees, penalties for inactivity, the type of ISA, the rates for buying foreign instruments, etc. They came out the cheapest... unless I missed a better broker.

Yes, but that is tiny compared to how much Imagination depended on Apple. Over half of their revenue came from sales and licenses to Apple.
>> No. 6925 Anonymous
25th April 2017
Tuesday 9:50 pm
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>>6923 Yeah, but their price has already taken the battering from being dropped by Apple. If they don't die on their arse from lack of funds (horribly possible, they let go a lot of their senior guys), they _might_ recover in an interesting way. At least they're not chasing the woeful DAB stuff any more.
>> No. 6926 Anonymous
25th April 2017
Tuesday 10:07 pm
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Did you look at X-O? They were the cheapest when I opened a dealing account. X-O, as in, execution only. I never actually invested anything because I wasn't 100% comfortable sinking my money into a sketchy e-company, and anything that doesn't appear sketchy (eg. Hargreaves Lansdown) charge a premium for management. How much did you (heheh) "invest"?
>> No. 6927 Anonymous
25th April 2017
Tuesday 10:12 pm
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.>stick all your savings on Lucky Lad in the 3:15 at Kempton.

>> No. 6928 Anonymous
25th April 2017
Tuesday 10:15 pm
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I never heard of XO. IG isn't sketchy. They are also listed on the exchange.

>> No. 6895 Anonymous
30th March 2017
Thursday 9:42 pm
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I always had the notion that the grass in Britain's Anglo ex-colonies was a somewhat more lustrous shade of green, particularly for skilled tradesmen and the like, but lately I've heard the opposite; that the new world isn't a shangri-la for disgruntled British tradesmen.

A skilled tradesman who earns £30k a year in the UK would expect to earn roughly $50-60k a year doing the same job in Canada, Australia, and New Zealand. Even if you go back to pre-Brexit exchange rates, it seems like the guy earning $60k would be in a better position, especially if you assume that house prices would be cheaper because of more lebensraum.

Apparently some of these assumptions stand on wonky ground. I've heard that when you account for costs of living and mortgaging an average house, earning £30k outside of London will take you further than $60k a year outside of Toronto, Auckland, and Sydney. Is there any truth to that?
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>> No. 6897 Anonymous
31st March 2017
Friday 5:23 am
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I've paid 18 quid for a bottle of beer in Brisbane. Nothing special mind, just a beer. It is fucking dear out there, especially for electronics.

That said I live in one of the most expensive cities in the world and could get by and lead a healthy, happy life for 10k, I just use my noggin and find the cheap places to eat and drink.
>> No. 6898 Anonymous
31st March 2017
Friday 9:45 am
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> Also, personally if I was even thinking of Canada it would definitely be Vancouver.

Not without learning Cantonese first m80. It's basically pre-Handover HK without the slums now.
>> No. 6899 Anonymous
31st March 2017
Friday 6:12 pm
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>without the slums now.
That will change soon - only this time, the slums will be full of white Canadians.
>> No. 6900 Anonymous
1st April 2017
Saturday 12:33 am
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Is that you, Chinese Ministry of Propaganda lad?
>> No. 6901 Anonymous
1st April 2017
Saturday 8:38 pm
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Doesn't matter lad - the Canadians have a fuckton of very beautiful country and they are good at managing it. Would live in Vancouver tomorrow.

>> No. 6889 Anonymous
12th March 2017
Sunday 10:29 pm
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Is it true the Co-op bank is falling to pieces?

I ask because I'm looking for a decent ethical place to start a savings account (online saver or something similar).
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>> No. 6890 Anonymous
12th March 2017
Sunday 10:35 pm
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What's wrong with Nationwide? They're the best you're going to get that has branches all over the country.
>> No. 6891 Anonymous
12th March 2017
Sunday 10:35 pm
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Anyway you can use Move Your Money to rank banks by ethics.

>> No. 6892 Anonymous
13th March 2017
Monday 4:02 pm
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I know one off their senior finance guys. He was involved in pushing the lack of ethical investing for better returns shit. What could possibly go wrong.

The cunt.
>> No. 6893 Anonymous
13th March 2017
Monday 4:07 pm
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>What could possibly go wrong.
Bugger all to be honest.
>> No. 6894 Anonymous
13th March 2017
Monday 4:57 pm
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Co-op went to shit the moment they bought Britannia Building Society. Just stick with Nationwide.

>> No. 6881 Anonymous
1st March 2017
Wednesday 10:12 pm
6881 Vanguard Funds
Does anyone have any experience investing with Vanguard?

I have around £200 to invest each month and have read that regularly investing into stock and shares through Vanguard is a low cost option.

With a small amount should I be investing in ETFs or Index Funds?
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>> No. 6884 Anonymous
2nd March 2017
Thursday 8:47 am
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Only if your are investing in coke.
>> No. 6885 Anonymous
3rd March 2017
Friday 11:38 am
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Surely it'd be better than not investing it. Assuming the money would otherwise be wasted or go unused.
>> No. 6886 Anonymous
3rd March 2017
Friday 12:16 pm
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In the real world that's not really a safe assumption.
>> No. 6887 Anonymous
3rd March 2017
Friday 3:10 pm
6887 spacer
>> No. 6888 Anonymous
3rd March 2017
Friday 5:30 pm
6888 spacer
You mean why might money not be wasted or unused? Emergencies? Short term savings? Any number of discretionary channels?

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