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Savings and Investments thread

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  • Oh. £250; takes me over 44k but still, not too shabby given the reduced rates they are working with.

    You can potentially make 20% in the next 12 months with Bet365 by choosing an ACCA of Liverpool, Arsenal, Newcastle and Chelsea all finishing top half of the Premier League.
  • Oh. £250; takes me over 44k but still, not too shabby given the reduced rates they are working with.

    You can potentially make 20% in the next 12 months with Bet365 by choosing an ACCA of Liverpool, Arsenal, Newcastle and Chelsea all finishing top half of the Premier League.
    A lot more than that if you include Spurs
  • Oh. £250; takes me over 44k but still, not too shabby given the reduced rates they are working with.

    You can potentially make 20% in the next 12 months with Bet365 by choosing an ACCA of Liverpool, Arsenal, Newcastle and Chelsea all finishing top half of the Premier League.
    But would you want to take the chance of one them failing, in the way Spurs and Man U have last season and losing your entire stake?
  • edited June 13
    bobmunro said:
    Oh. £250; takes me over 44k but still, not too shabby given the reduced rates they are working with.

    You can potentially make 20% in the next 12 months with Bet365 by choosing an ACCA of Liverpool, Arsenal, Newcastle and Chelsea all finishing top half of the Premier League.
    A lot more than that if you include Spurs
     You trying to protect your pension @bobmunro ???? 😉😂
  • Thank goodness I didn’t get round to buying Boeing shares… it was beginning to look like they were getting themselves out of the doldrums. 
  • Less than a week to go:  ;)

    FTSE100 Level8,758.99  
    LevelVariance% Variance
    Rob7Lee877112.010.14%
    IdleHans878526.010.30%
    cafcpolo870256.990.65%
    Jamescafc870058.990.67%
    wwaddick869563.990.73%
    WHAddick882364.010.73%
    golfaddick867583.990.96%
    Addick Addict866296.991.11%
    TheGhostofTomHovi8657101.991.16%
    RalphMilne8652106.991.22%
    Thread Killer8631127.991.46%
    holyjo8892133.011.52%
    @TelMc328900141.011.61%
    Covered End8612146.991.68%
    PragueAddick8600158.991.82%
    thecat8580178.992.04%
    Housty8564194.992.23%
    valleynick668562196.992.25%
    oohaahmortimer8555203.992.33%
    Lonelynorthernaddick8550208.992.39%
    CharltonKerry8541217.992.49%
    Carter8531227.992.60%
    LargeAddick8529229.992.63%
    blackpool728512246.992.82%
    Bangkokaddick8510248.992.84%
    HardyAddick8501257.992.95%
    CAFCWest8499259.992.97%
    Redman8479279.993.20%
    fat man on a moped8475283.993.24%
    StrikerFirmani8460298.993.41%
    Arsenetatters8458300.993.44%
    guinnessaddick8432326.993.73%
    Pedro458425333.993.81%
    Addickinedi8419339.993.88%
    Huskaris8390368.994.21%
    Solidgone8333425.994.86%
    BalladMan8318440.995.03%
    Lenglover8301457.995.23%
    WishIdStayedInThe Pub8250508.995.81%
    meldrew668202556.996.36%
    bobmunro8185573.996.55%
    Jon_CAFC_8175583.996.67%
    Fortune 82nd Minute8151607.996.94%
    Er_Be_Ab_Pl_Wo_Wo_Ch 7888870.999.94%
  • Trust me, I'm still confident that the Donald can do something in the next few days that will get me much nearer the top of the table.
  • Trust me, I'm still confident that the Donald can do something in the next few days that will get me much nearer the top of the table.
    Possibly!

    This year, at some point, almost everyone has been winning - lowest it's been is 7679, highest 8871, mostly down to Donald!
  • Rob7Lee said:
    Less than a week to go:  ;)

    FTSE100 Level8,758.99  
    LevelVariance% Variance
    Rob7Lee877112.010.14%
    IdleHans878526.010.30%
    cafcpolo870256.990.65%
    Jamescafc870058.990.67%
    wwaddick869563.990.73%
    WHAddick882364.010.73%
    golfaddick867583.990.96%
    Addick Addict866296.991.11%
    TheGhostofTomHovi8657101.991.16%
    RalphMilne8652106.991.22%
    Thread Killer8631127.991.46%
    holyjo8892133.011.52%
    @TelMc328900141.011.61%
    Covered End8612146.991.68%
    PragueAddick8600158.991.82%
    thecat8580178.992.04%
    Housty8564194.992.23%
    valleynick668562196.992.25%
    oohaahmortimer8555203.992.33%
    Lonelynorthernaddick8550208.992.39%
    CharltonKerry8541217.992.49%
    Carter8531227.992.60%
    LargeAddick8529229.992.63%
    blackpool728512246.992.82%
    Bangkokaddick8510248.992.84%
    HardyAddick8501257.992.95%
    CAFCWest8499259.992.97%
    Redman8479279.993.20%
    fat man on a moped8475283.993.24%
    StrikerFirmani8460298.993.41%
    Arsenetatters8458300.993.44%
    guinnessaddick8432326.993.73%
    Pedro458425333.993.81%
    Addickinedi8419339.993.88%
    Huskaris8390368.994.21%
    Solidgone8333425.994.86%
    BalladMan8318440.995.03%
    Lenglover8301457.995.23%
    WishIdStayedInThe Pub8250508.995.81%
    meldrew668202556.996.36%
    bobmunro8185573.996.55%
    Jon_CAFC_8175583.996.67%
    Fortune 82nd Minute8151607.996.94%
    Er_Be_Ab_Pl_Wo_Wo_Ch 7888870.999.94%
    Dropped another 40 points today. Now standing at 8718.75.

    Only 3 more trading days to go.
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  • After 17 years I've finally paid off my student loan today  B)
    Congrats! 
  • After 17 years I've finally paid off my student loan today  B)
    Congratulations. Enjoy the extra money each month not going to debt.

    On a serious note, we really need kids these days to understand that going to university is not the only option post school, unless you're doing a course that will financially wash its face. Sending young men and women out into the workforce with a useless degree, saddled with £50,000 worth of debt is not helping them.
    Couldn't agree more. 
    We have a massive shortage of apprenticeship schemes in the UK.
    This is where investment is really needed. 
    Congratulations moutakilla. 

    Sorry for getting political. 
  • After 17 years I've finally paid off my student loan today  B)
    Congratulations. Enjoy the extra money each month not going to debt.

    On a serious note, we really need kids these days to understand that going to university is not the only option post school, unless you're doing a course that will financially wash its face. Sending young men and women out into the workforce with a useless degree, saddled with £50,000 worth of debt is not helping them.
    I agree with the sentiment of not pursuing a degree for the sake of it but it is healthier to consider the cost as a tax  levy rather than a debt. 


  • After 17 years I've finally paid off my student loan today  B)
    Congratulations. Enjoy the extra money each month not going to debt.

    On a serious note, we really need kids these days to understand that going to university is not the only option post school, unless you're doing a course that will financially wash its face. Sending young men and women out into the workforce with a useless degree, saddled with £50,000 worth of debt is not helping them.
    I agree with the sentiment of not pursuing a degree for the sake of it but it is healthier to consider the cost as a tax  levy rather than a debt. 


    Exactly. It’s not really a debt and shouldn’t be seen as such. It doesn’t go on your credit report, no debt collector is coming after you for it, if it passes a certain time it gets written off.

    i was self employed for the first 10 years or so of my career, so will likely never pay it off now. Doesn’t bother me at all. 

    Congrats none the less!
  • Martin Lewis calls it a Graduation Tax. 


  • All things considered and bearing in mind that my friends who are university educated are absolutely in the minority in my friendship groups. I think a university education is great and a salute anyone who can stick at something that long. However, most of us who went into the workplace straight from school earn more than those who stayed in academia. My wealthiest mates have their names on the side of vans and none of them have a degree. 

    I think it (a degree) doesn't open the doors it used to, unfortunately these doors seem to be opened by children of the right parents, children who went to the right schools and subsequent universities. I also think the workplace hits university leavers like cold water shock certainly in the early days post degree. 

    Sometimes I wish I'd tried harder at school and went to university instead of treading the winding path I have but I could not leave school quick enough, I hate being a student in a classroom but I do wish I earned more money and had been educated at somewhere like Goldsmiths or LSE if not just to have understood the way money actually works and the intricacies of some of the stuff that gets discussed on this thread instead of being looked down on for asking people who know about these things what they mean
  • Most kids are fully aware of the cost of higher education and many I know are weighing up if it is worth it or to pursue other vocational routes (such as code academy or a trade apprenticeship). Young people are much more switched on than most of the sheep I knew in the 90s who merely went to uni to get pissed up and laid. 
  • The problem with degrees over the past 20 years is that everyone has one whereas it used to be the academic elite. It's completely due to tuition fees which led to unis opening their doors to as many as possible. Not sure about now but when they first came in whilst i was at school there was a lot of brainwashing from schools who would boost at the percentage that went on to uni and quite a few parents were proud of their child being the first in the family to go to uni. In hindsight for me personally, it was a complete waste of time.
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  • Fixed!!
  • Thanks for doing this I find it a good test of how we see things. 
    Thanks to the lunatic in America this has been the hardest one yet to predict 
    I'm going to win the next one though I promise 
  • I demand a recount. I meant 8765 NOT 8675 😃
  • Well done @Rob7Lee.  The market being well above my prediction more than softens being wrong.
  • IdleHans said:
    Well done @Rob7Lee. I hope you didn't lose too much on the shares you offloaded between 1.30 (when I was spot on) and close of play to depress the index  ;)
    Lol, TBH it was only about 3:30pm today I realised it was the last day, at around 4:15 I was bang on at 8771!
  • Well played Rob7Lee.
  • Well done Rob7Lee...but:

    Rob7Lee wins his own competition;
    ThaiMalaysiaAddick won his own prediction League.

    What's going on? 


  • Well done Rob7Lee...but:

    Rob7Lee wins his own competition;
    ThaiMalaysiaAddick won his own prediction League.

    What's going on? 



    This was Season 10 and whilst I did come second in the first season, I had barely troubled the winners since!
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