MancunianStacker

I guess the govt are at fault for the lock downs and the helicopter 🚁 money though 🤷‍♂️ 
People have bad memories and only remember the most recent thing to happen 

I’ve found the new Wonga ⬆️ 
 
😂 

I’ve found the new Wonga ⬆️ 
 
😂 

I guess the govt are at fault for the lock downs and the helicopter 🚁 money though 🤷‍♂️ 
People have bad memories and only remember the most recent thing to happen 

I’ve found the new Wonga ⬆️ 
 
😂 

I was expecting 0.5% in fact I’d bet they will do another 0.5% next month. I don’t think it’s working though. Especially if all the lenders allow people to “go interest-only”. Great if it doesn’t affect your credit score but to me it sounds like a default unless Govt step in like they did during Covid and guaranteed no credit history issues. This would make the interest rate hikes even less powerful, making  bigger hikes more likely 🤦‍♂️ 
People will blame the Govt when it’s not really their fault. BOE should have started increasing at 0.25% each month since the Covid helicopter 🚁 money started being paid out 🙄 
 

I guess the govt are at fault for the lock downs and the helicopter 🚁 money though 🤷‍♂️ 
People have bad memories and only remember the most recent thing to happen 

I was expecting 0.5% in fact I’d bet they will do another 0.5% next month. I don’t think it’s working though. Especially if all the lenders allow people to “go interest-only”. Great if it doesn’t affect your credit score but to me it sounds like a default unless Govt step in like they did during Covid and guaranteed no credit history issues. This would make the interest rate hikes even less powerful, making  bigger hikes more likely 🤦‍♂️ 
People will blame the Govt when it’s not really their fault. BOE should have started increasing at 0.25% each month since the Covid helicopter 🚁 money started being paid out 🙄 
 

I was expecting 0.5% in fact I’d bet they will do another 0.5% next month. I don’t think it’s working though. Especially if all the lenders allow people to “go interest-only”. Great if it doesn’t affect your credit score but to me it sounds like a default unless Govt step in like they did during Covid and guaranteed no credit history issues. This would make the interest rate hikes even less powerful, making  bigger hikes more likely 🤦‍♂️ 
People will blame the Govt when it’s not really their fault. BOE should have started increasing at 0.25% each month since the Covid helicopter 🚁 money started being paid out 🙄 
 

Since June 6th when this was listed, silver has eased by 4.5% (£19 - £18.15) yet you want a 10.7% discount (£840 - £750) or 8.5% discount (£820 - £750)
🦈🦈🦈🦈🦈    🅰️🆎🅱️🅾️🩸   🥩🥩🥩🥩🥩
2014 Kookaburra 1 Kilo current prices:
Atkinson's - £850 (VAT-free)
BBP - £947 (VAT-free)
This coin is out of stock everywhere from UK-USA-Australia
£800 delivered RMSD is a very fair price
High chance in the BTFD generation that silver will bounce tomorrow especially when DXY just closed DOWN 0.01% today

I’m with Santander and not has any issues in the past for some £11k purchasers. Probably some muppet in the contact centre pressing the wrong button, which put it in a non urgent fraud queue for someone in another country to investigate “manana”. Nobody working there cares, one day it will happen to me but not so far.
Congrats on the compo! 😃 🙌
🪙 🪙 🪙 

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

Well, in the local pawnshop here they obviously don’t watch gold prices… ordinary fill sovereign £500 plus, halves £300 to just under £450, all depending on dates, but nothing special😮🤔

Be mindful that its cyclical. Consider 1980 to 1999 for instance 20 year period
https://www.lbma.org.uk/prices-and-data/precious-metal-prices#/table
Gold £251/ounce start of Jan 1980. £180/ounce end of Dec 1999
Inflation calculator 1980 to 1999 2.24 increase in general prices (inflation)
£251/ounce gold value in Jan 1980 should have risen 2.24 higher times to $562 at the end of 1999 to  have negated inflation, instead it declined to $180/ounce, bought less than a third in 1999 that what its value bought in 1980
In contrast 50/50 US stock/gold yearly rebalanced in US dollar terms gained 4.14 over 1980 to 1999 years. £/$ over those years changed from 2.27 USD per GBP to 1.62, that added a further 1.4 gain factor. i.e. in Pound terms US stock/gold gained 3.2, which exceeded inflation that rose by a factor of 2.24. Bought 1.43 times more stuff, compared to just gold alone that only bought less than a third of what it bought in 1980
Imagine the emotions of that 20 year 1980 to 1999 period, where broadly the price of gold just sloped downwards in nominal terms, declined even more in real (after inflation) terms. Over a period when stocks did very well. Go back to the 1970's and it was the other way around, gold did very well, stocks declined. As was the case in the 2000's. 50/50 of both stocks and gold smoothed out those cycles. 1980 to 1999 for instance you would have repeatedly sold some stock shares to buy more ounces of gold and ended 1999 with 6 to 10 times more ounces of gold than what you held in 1980, so even though the price of gold declined, without adding any new money you ended up with significantly more gold to (more than) compensate for the price declines of gold.
What you often find is that individuals will accumulate assets after they've done very well, and then become disappointed with results as prices flatten or even decline and end up selling to chase gains elsewhere. Hop from buying high, selling low repeatedly and end up with worse results than had they just left their money in hard cash. The trick is to be on the counter-side of that, sell to those individuals when prices are high, buy back again from them when prices are low. A simple 50/50 yearly rebalanced blend of stock and gold does that automatically for you, you don't have to predict the highs and lows.
Best not to hold cash (hard Pound note currency) but to keep it in stocks/gold. Typically that 'savings account' comes with a two days notice period i.e. it takes T+2 time to sell shares and have the actual cash available in your account. Safer than bank deposits, where as soon as the money is deposited it becomes the banks money, and where interest that might not even offset inflation is taxed.

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

I love how the article claims £2 has almost halved in value, immediately before letting slip it has actually quartered in buying power in real terms.

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

Gold 25 years ago around £176 oz, up 750% or 30% each year kept.
£2 cash 25 years later worth around £1.07
https://www.dailymail.co.uk/money/investing/article-12198271/As-2-coin-turns-25-heres-bought-1998.html
 
Best place to save your cash = Gold!!!! 😉 

I’m with Santander and not has any issues in the past for some £11k purchasers. Probably some muppet in the contact centre pressing the wrong button, which put it in a non urgent fraud queue for someone in another country to investigate “manana”. Nobody working there cares, one day it will happen to me but not so far.
Congrats on the compo! 😃 🙌
🪙 🪙 🪙 

I’m with Santander and not has any issues in the past for some £11k purchasers. Probably some muppet in the contact centre pressing the wrong button, which put it in a non urgent fraud queue for someone in another country to investigate “manana”. Nobody working there cares, one day it will happen to me but not so far.
Congrats on the compo! 😃 🙌
🪙 🪙 🪙 

Well here we are. Text:
"We've reviewed your recent payment and can confirm this has now been processed. Any blocks that were in place have also been removed"
How about apologies for the inconvenience SANTANDER??
Anyway, there you go. I can't normally be bothered making complaints but I'm definitely seeing this through.

Santander
I've looked on USwitch - a few banks doing £200 incentive to switch. As soon as this block is lifted - SEE YAH 😡