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Savings and Investments thread
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PragueAddick 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.0 -
A lot more than that if you include SpursAthletico Charlton said:PragueAddick 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.3 -
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?Athletico Charlton said:PragueAddick 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.1 -
You trying to protect your pension @bobmunro ???? 😉😂bobmunro said:
A lot more than that if you include SpursAthletico Charlton said:PragueAddick 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.0 -
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.0
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Less than a week to go:
FTSE100 Level 8,758.99 Level Variance % Variance Rob7Lee 8771 12.01 0.14% IdleHans 8785 26.01 0.30% cafcpolo 8702 56.99 0.65% Jamescafc 8700 58.99 0.67% wwaddick 8695 63.99 0.73% WHAddick 8823 64.01 0.73% golfaddick 8675 83.99 0.96% Addick Addict 8662 96.99 1.11% TheGhostofTomHovi 8657 101.99 1.16% RalphMilne 8652 106.99 1.22% Thread Killer 8631 127.99 1.46% holyjo 8892 133.01 1.52% @TelMc32 8900 141.01 1.61% Covered End 8612 146.99 1.68% PragueAddick 8600 158.99 1.82% thecat 8580 178.99 2.04% Housty 8564 194.99 2.23% valleynick66 8562 196.99 2.25% oohaahmortimer 8555 203.99 2.33% Lonelynorthernaddick 8550 208.99 2.39% CharltonKerry 8541 217.99 2.49% Carter 8531 227.99 2.60% LargeAddick 8529 229.99 2.63% blackpool72 8512 246.99 2.82% Bangkokaddick 8510 248.99 2.84% HardyAddick 8501 257.99 2.95% CAFCWest 8499 259.99 2.97% Redman 8479 279.99 3.20% fat man on a moped 8475 283.99 3.24% StrikerFirmani 8460 298.99 3.41% Arsenetatters 8458 300.99 3.44% guinnessaddick 8432 326.99 3.73% Pedro45 8425 333.99 3.81% Addickinedi 8419 339.99 3.88% Huskaris 8390 368.99 4.21% Solidgone 8333 425.99 4.86% BalladMan 8318 440.99 5.03% Lenglover 8301 457.99 5.23% WishIdStayedInThe Pub 8250 508.99 5.81% meldrew66 8202 556.99 6.36% bobmunro 8185 573.99 6.55% Jon_CAFC_ 8175 583.99 6.67% Fortune 82nd Minute 8151 607.99 6.94% Er_Be_Ab_Pl_Wo_Wo_Ch 7888 870.99 9.94% 2 -
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.3
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Possibly!Fortune 82nd Minute said: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.This year, at some point, almost everyone has been winning - lowest it's been is 7679, highest 8871, mostly down to Donald!1 -
Dropped another 40 points today. Now standing at 8718.75.Rob7Lee said:Less than a week to go:FTSE100 Level 8,758.99 Level Variance % Variance Rob7Lee 8771 12.01 0.14% IdleHans 8785 26.01 0.30% cafcpolo 8702 56.99 0.65% Jamescafc 8700 58.99 0.67% wwaddick 8695 63.99 0.73% WHAddick 8823 64.01 0.73% golfaddick 8675 83.99 0.96% Addick Addict 8662 96.99 1.11% TheGhostofTomHovi 8657 101.99 1.16% RalphMilne 8652 106.99 1.22% Thread Killer 8631 127.99 1.46% holyjo 8892 133.01 1.52% @TelMc32 8900 141.01 1.61% Covered End 8612 146.99 1.68% PragueAddick 8600 158.99 1.82% thecat 8580 178.99 2.04% Housty 8564 194.99 2.23% valleynick66 8562 196.99 2.25% oohaahmortimer 8555 203.99 2.33% Lonelynorthernaddick 8550 208.99 2.39% CharltonKerry 8541 217.99 2.49% Carter 8531 227.99 2.60% LargeAddick 8529 229.99 2.63% blackpool72 8512 246.99 2.82% Bangkokaddick 8510 248.99 2.84% HardyAddick 8501 257.99 2.95% CAFCWest 8499 259.99 2.97% Redman 8479 279.99 3.20% fat man on a moped 8475 283.99 3.24% StrikerFirmani 8460 298.99 3.41% Arsenetatters 8458 300.99 3.44% guinnessaddick 8432 326.99 3.73% Pedro45 8425 333.99 3.81% Addickinedi 8419 339.99 3.88% Huskaris 8390 368.99 4.21% Solidgone 8333 425.99 4.86% BalladMan 8318 440.99 5.03% Lenglover 8301 457.99 5.23% WishIdStayedInThe Pub 8250 508.99 5.81% meldrew66 8202 556.99 6.36% bobmunro 8185 573.99 6.55% Jon_CAFC_ 8175 583.99 6.67% Fortune 82nd Minute 8151 607.99 6.94% Er_Be_Ab_Pl_Wo_Wo_Ch 7888 870.99 9.94%
Only 3 more trading days to go.0 -
After 17 years I've finally paid off my student loan today
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Congrats!moutuakilla said:After 17 years I've finally paid off my student loan today1 -
Congratulations. Enjoy the extra money each month not going to debt.moutuakilla said:After 17 years I've finally paid off my student loan today
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.9 -
Couldn't agree more.cafcnick1992 said:
Congratulations. Enjoy the extra money each month not going to debt.moutuakilla said:After 17 years I've finally paid off my student loan today
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.
We have a massive shortage of apprenticeship schemes in the UK.
This is where investment is really needed.
Congratulations moutakilla.
Sorry for getting political.4 -
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.cafcnick1992 said:
Congratulations. Enjoy the extra money each month not going to debt.moutuakilla said:After 17 years I've finally paid off my student loan today
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.3 -
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.valleynick66 said:
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.cafcnick1992 said:
Congratulations. Enjoy the extra money each month not going to debt.moutuakilla said:After 17 years I've finally paid off my student loan today
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 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!1 -
Martin Lewis calls it a Graduation Tax.
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valleynick66 said:
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.cafcnick1992 said:
Congratulations. Enjoy the extra money each month not going to debt.moutuakilla said:After 17 years I've finally paid off my student loan today
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.Agreed - and this would appear to indicate graduates earn significantly more in their working lives than non graduates, even after taking into account the costs of higher education.I also agree with not pursuing a degree for the sake of it, but equally I also consider higher education in of itself is worthwhile in developing individuals even if it isn't in a obvious career focused subject.Not all 18 year olds will benefit from a university education though, and I concur with Blacky that far more needs to be invested in further vocational education in line with the apprenticeship model - with a big focus on technology.
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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 mean4 -
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.1
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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.3
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Well, every dog has their day as they say...... and today I'm the dog!
I think since we took entries earlier this year just about everyone has been leading and also last at some point, mainly thanks to the orange man across the pond!
As they say, we go again, I'll drop a note on here for entries/guesses for 31.12.25 in a couple of weeks time.......
Cheers all.FTSE100 Level 8,760.96 Level Variance % Variance Rob7Lee 8771 10.04 0.11% IdleHans 8785 24.04 0.27% cafcpolo 8702 58.96 0.67% Jamescafc 8700 60.96 0.70% WHAddick 8823 62.04 0.71% wwaddick 8695 65.96 0.75% golfaddick 8675 85.96 0.98% Addick Addict 8662 98.96 1.13% TheGhostofTomHovi 8657 103.96 1.19% RalphMilne 8652 108.96 1.24% Thread Killer 8631 129.96 1.48% holyjo 8892 131.04 1.50% @TelMc32 8900 139.04 1.59% Covered End 8612 148.96 1.70% PragueAddick 8600 160.96 1.84% thecat 8580 180.96 2.07% Housty 8564 196.96 2.25% valleynick66 8562 198.96 2.27% oohaahmortimer 8555 205.96 2.35% Lonelynorthernaddick 8550 210.96 2.41% CharltonKerry 8541 219.96 2.51% Carter 8531 229.96 2.62% LargeAddick 8529 231.96 2.65% blackpool72 8512 248.96 2.84% Bangkokaddick 8510 250.96 2.86% HardyAddick 8501 259.96 2.97% CAFCWest 8499 261.96 2.99% Redman 8479 281.96 3.22% fat man on a moped 8475 285.96 3.26% StrikerFirmani 8460 300.96 3.44% Arsenetatters 8458 302.96 3.46% guinnessaddick 8432 328.96 3.75% Pedro45 8425 335.96 3.83% Addickinedi 8419 341.96 3.90% Huskaris 8390 370.96 4.23% Solidgone 8333 427.96 4.88% BalladMan 8318 442.96 5.06% Lenglover 8301 459.96 5.25% WishIdStayedInThe Pub 8250 510.96 5.83% meldrew66 8202 558.96 6.38% bobmunro 8185 575.96 6.57% Jon_CAFC_ 8175 585.96 6.69% Fortune 82nd Minute 8151 609.96 6.96% Er_Be_Ab_Pl_Wo_Wo_Ch 7888 872.96 9.96% 13 -
Fixed!!3
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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 promise2 -
I demand a recount. I meant 8765 NOT 8675 😃3
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Well done @Rob7Lee. The market being well above my prediction more than softens being wrong.1
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Well played Rob7Lee.1
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Well done Rob7Lee...but:
Rob7Lee wins his own competition;
ThaiMalaysiaAddick won his own prediction League.
What's going on?
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Bangkokaddick said: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!0
