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Savings and Investments thread

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  • 7807 for me please
  • bobmunro said:
    Sorry to hear about personal losses - it will rebound medium/long-term I'm sure.

    I moved most of my investments to cash a couple of years ago so feeling reasonably secure and protected from the latest downward moves, albeit I accept not a great long-term or smart strategy. That said, I'm 64 so long-term growth isn't as important and at my age it's a low risk strategy that I'm happier with. I still tinker in shares but that's more betting than investment.


    Which just goes back to the comment I made on the previous page - " These are huge falls which just make me think that we kid ourselves we are investing. Really at times like this I can only say we are gambling."

    A year's growth down the pan in a couple of weeks is not investing. 
    You say it every time. 
    If you feel like this you should not be investing. Investing involves a level of risk, even if it's low. 
    You're absolutely right - I do! And when the Dow can fall by a thousand points in the morning and still finish up on the day I have no reason to change my mind.

    Of course investing in the stock market involves a level of risk. But these huge movements which are often  happening now - sometimes wiping out a year's growth in a few days - don't strike me as anything other than casino gambling. 
  • Slightly different to casino gambling, it can be done online and over the phone!
  • bobmunro said:
    Sorry to hear about personal losses - it will rebound medium/long-term I'm sure.

    I moved most of my investments to cash a couple of years ago so feeling reasonably secure and protected from the latest downward moves, albeit I accept not a great long-term or smart strategy. That said, I'm 64 so long-term growth isn't as important and at my age it's a low risk strategy that I'm happier with. I still tinker in shares but that's more betting than investment.


    Which just goes back to the comment I made on the previous page - " These are huge falls which just make me think that we kid ourselves we are investing. Really at times like this I can only say we are gambling."

    A year's growth down the pan in a couple of weeks is not investing. 
    You say it every time. 
    If you feel like this you should not be investing. Investing involves a level of risk, even if it's low. 
    You're absolutely right - I do! And when the Dow can fall by a thousand points in the morning and still finish up on the day I have no reason to change my mind.

    Of course investing in the stock market involves a level of risk. But these huge movements which are often  happening now - sometimes wiping out a year's growth in a few days - don't strike me as anything other than casino gambling. 
    I'd like to know where the casino is, where you can lose your shirt, and then a couple of weeks later come back and collect it, nicely laundered and with new better buttons sewn on...  ;)
  • bobmunro said:
    Sorry to hear about personal losses - it will rebound medium/long-term I'm sure.

    I moved most of my investments to cash a couple of years ago so feeling reasonably secure and protected from the latest downward moves, albeit I accept not a great long-term or smart strategy. That said, I'm 64 so long-term growth isn't as important and at my age it's a low risk strategy that I'm happier with. I still tinker in shares but that's more betting than investment.


    Which just goes back to the comment I made on the previous page - " These are huge falls which just make me think that we kid ourselves we are investing. Really at times like this I can only say we are gambling."

    A year's growth down the pan in a couple of weeks is not investing. 
    You say it every time. 
    If you feel like this you should not be investing. Investing involves a level of risk, even if it's low. 
    You're absolutely right - I do! And when the Dow can fall by a thousand points in the morning and still finish up on the day I have no reason to change my mind.

    Of course investing in the stock market involves a level of risk. But these huge movements which are often  happening now - sometimes wiping out a year's growth in a few days - don't strike me as anything other than casino gambling. 
    I'd like to know where the casino is, where you can lose your shirt, and then a couple of weeks later come back and collect it, nicely laundered and with new better buttons sewn on...  ;)
    Made me chuckle on a grey afternoon! 
  • my SIPP is barely in the black. Stock market is clearly a scam.
    my 6 month old SIPP is now in the red. Hope no one put too much in the "stock" (scam) market, get out whilst you can. Just like Tulip bulbs this
  • my SIPP is barely in the black. Stock market is clearly a scam.
    my 6 month old SIPP is now in the red. Hope no one put too much in the "stock" (scam) market, get out whilst you can. Just like Tulip bulbs this
    If you've only been investing for 6 months then it's far too soon to be gauging where you are in relation to what you've put in. 

    We are in the middle of a few crises. Covid is still around, Boris is a lame duck PM, Biden isnt much better seeing as he can't get much through Congress.........and The Russians want a rumble with everyone.  

    Give it 6 months and you'll wonder what all the fuss is about. 
  • my SIPP is barely in the black. Stock market is clearly a scam.
    my 6 month old SIPP is now in the red. Hope no one put too much in the "stock" (scam) market, get out whilst you can. Just like Tulip bulbs this
    If you've only been investing for 6 months then it's far too soon to be gauging where you are in relation to what you've put in. 

    We are in the middle of a few crises. Covid is still around, Boris is a lame duck PM, Biden isnt much better seeing as he can't get much through Congress.........and The Russians want a rumble with everyone.  

    Give it 6 months and you'll wonder what all the fuss is about. 
    It was a joke :)
  • Nasdaq dropped another 2.3% yesterday. It's now back to where it was in Jan 2021! 
  • mendonca said:
    Nasdaq dropped another 2.3% yesterday. It's now back to where it was in Jan 2021! 
    Anything that is priced on large future earnings a long way out in time, either because it's a growth stock or a punt (say an early stage miner with no revenue) is going to get hit when interest rates rise: the cost of money will have a disproportional effect on those anticipated future earnings.  Worse if, like a lot of biotechs and miners, they are heavily indebted, they get whacked on the future debt servicing costs or even risk of failure, so double whammy.

    Theoretically, good companies will be able to protect margins.  Look at MSFT's earnings yesterday.  As long as inflation doesn't get out of control (big if at the moment) then interest rate rises will eventually be seen as a good thing and the sign of a healthy, growing market, finally off life support after 14 years.  In the short term, there's going to be wild swings as investors in their herds take different views on which way it's going.  FOMC at 7pm today will bring some volatility but hopefully settle a few nerves by tomorrow afternoon.
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  • European markets are all up around 2% this morning.

    Told you all not to panic............. :)
  • Not sure those gains will hold tomorrow. Huge swing in the US into the red.
  • 7650 for me please.
  • Dow up almost 500pts. Surely will finish higher today
  • IdleHans said:
    Dow up almost 500pts. Surely will finish higher today
    6:40 pm Dow down 60 odds points, think you can say that it’s a bit volatile at the moment about a 600 point swing in 100 minutes. But there’s still time for you to be correct😀.
  • I’m out
  • I’m out
    Biggest mistake of your life 
  • I’m out
    Biggest mistake of your life 
    Oh no not again
  • @jacob_CAFC  I may regret this, but I am interested to learn whether and why you are serious about this. Inevitably my questions are laced with scepticism, but perhaps you'll forgive me that,  as the originator of this thread, which discusses Savings and Investments. Here goes:

    1. What is it? As far as I can tell, it is the digital equivalent of a poster of George Best which many teens had on their bedroom walls. Correct?

    2. What tangible form does it take when you buy it? Do you whack it into iPhoto and have it as your lockscreen photo? Can you display it on multiple devices? 

    3. How do you buy it? From whom exactly? Apart from Luke Shaw, who are the people receiving income from this exercise? Where can I find out information about them (as I can about the directors of any company I've invested in) ?

    4. Why would anyone other than Man U fans or someone inexplicably fascinated by Luke Shaw want to display this in their home? (if you own a piece of art, you want to display it to all and sundry)

    5. Presumably as you've called it an investment, you expect its value to rise. What do you suppose would be its value if Luke Shaw suffers an ACL, is out for a year and comes back a yard short of pace and drifts down the leagues?  Or if he fails a dope test? Or is convicted of involvement in fraud?

    Like I said, I'm sceptical, but as a retired marketeer I'm always curious to understand why people spend money on things.
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  • @jacob_CAFC  I may regret this, but I am interested to learn whether and why you are serious about this. Inevitably my questions are laced with scepticism, but perhaps you'll forgive me that,  as the originator of this thread, which discusses Savings and Investments. Here goes:

    1. What is it? As far as I can tell, it is the digital equivalent of a poster of George Best which many teens had on their bedroom walls. Correct?

    2. What tangible form does it take when you buy it? Do you whack it into iPhoto and have it as your lockscreen photo? Can you display it on multiple devices? 

    3. How do you buy it? From whom exactly? Apart from Luke Shaw, who are the people receiving income from this exercise? Where can I find out information about them (as I can about the directors of any company I've invested in) ?

    4. Why would anyone other than Man U fans or someone inexplicably fascinated by Luke Shaw want to display this in their home? (if you own a piece of art, you want to display it to all and sundry)

    5. Presumably as you've called it an investment, you expect its value to rise. What do you suppose would be its value if Luke Shaw suffers an ACL, is out for a year and comes back a yard short of pace and drifts down the leagues?  Or if he fails a dope test? Or is convicted of involvement in fraud?

    Like I said, I'm sceptical, but as a retired marketeer I'm always curious to understand why people spend money on things.
    1, yes, it's like a limited edition poster

    2. you own the nft in your wallet. Whether it's then worth something is if some one wants to buy it from you.

    3. The wallet that minted it. That might be luke shaw, or some one else. I'm guessing luke shaw. There might/probably is something in the smart contract that every subsequent purchase, a percentage goes to the original "minter" wallet. This is coded into the smart contract of the nft and cannot be undone (it's why i think nfts have a big future for the entertainment industry, which has a problem with scalping and piracy)

    4. I have no idea, an art piece? Might have some utility as those that can prove ownership of the nft could get a meet and greet with luke shaw or something? 

    5. Personally i agree with your jist this nft is not a good investment. NFTs are too illiquid for my liking at the moment in such a volatile market as crypto. But fundamentally nft's have a big, big future. 
  • I think my days are numbered as a financial adviser when people mention NFT's & bitcoin.
  • @kentaddick

    thanks for your reply. When you referred to the wallet as the place where you store it, that means something like the Coinbase app or Myetherwallet, which I have somewhere? If so, it means the thing isn’t even on display in my home? 

    Really, are we believing that Shaw has created this himself, set the price, set up the digital mechanism for selling it, and receives most of the money apart from a % for that entity mentioned in the tweet ( and doubtless 20% for his agent for having the idea🤣) ? Maybe all or most of that is possible but there is no reliable way to confirm it, is there? 
  • @kentaddick

    thanks for your reply. When you referred to the wallet as the place where you store it, that means something like the Coinbase app or Myetherwallet, which I have somewhere? If so, it means the thing isn’t even on display in my home? 

    Really, are we believing that Shaw has created this himself, set the price, set up the digital mechanism for selling it, and receives most of the money apart from a % for that entity mentioned in the tweet ( and doubtless 20% for his agent for having the idea🤣) ? Maybe all or most of that is possible but there is no reliable way to confirm it, is there? 
    Yes, or any web3 wallet like metamask etc. You own it like you would own a web address. You could have it printed and put in your home. Usually nfts provide you access to the high res file which you could do this from.

    You’d be able to see the transaction on the blockchain on something like ethscanner and see the money in his wallet. If he chooses to then move it into fiat currency like £ he’d have to go through a KYC process at an exchange in order to get it to his bank account. Whatever happens from there is down to the private transactions in the traditional financial system. But everything on the crypto side is verifiable and traceable. Even the code that’s created the NFT. 
  • edited January 2022
    It’s on Binance smart chain, here’s the address that minted these nfts

    https://bscscan.com/address/0x2bb2397d54fa6104e301b4e58c95a73b0335e869

    seems to me it’s been minted by this company sportenft and they’ve licensed Luke shaw’s image for these. Therefore I guess it works like any other merchandising contract. 

    EDIT: sportsman go is a trading name of RJ & CO MARKETING LTD a uk registered ltd company.
  • just actually looked at the nfts now i'm not on my phone - looks like just a gif of luke shaw on a rotating card. Again, don't really say any value in this nft series whatsoever. Might be some utility as i said, if there's some kind of events etc that the nft gives you access to.
  • edited January 2022
    Sorry @Rob7Lee   nearly forgot. I’ll go 7621 for the half year 👍🏻
  • 7,666 for me. Thanks 
  • Time is running out to enter, those blank at the bottom have previosuly entered.

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    MrOneLung7270
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    Addick Addict7652
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    Salad7750
    IdleHans7777
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    HardyAddick7892
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  • 7675 for me please
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