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beefybake

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Everything posted by beefybake

  1. I'd read that bitcoin itself is a pile of shi*e, for gullible fools. But that the real future for what underlies bitcoin, ie blockchain technology, is it's use in commercial back office applications.
  2. Having watched 'The Big Short', several times, I'm not too sure I'd put much faith in the Wall Street Journal either.
  3. But if they were immortal, they'd have nothing to be worried about.
  4. If what you're referring to is things like Nutmeg, Wealthsimple, Wealthify etc.., then yes, I do. Not one of those, but an app-only outfit called Tickr. They were set up about 2 years ago; I've been investing regularly each month for about the last 18 months. They concentrate on 'Impact Investing', and there is a choice of themes. I chose the Climate Change theme, as it aligned with my values. Each theme appears to be comprised of about 3 ETF's. The theme I chose has an ETF devoted to Clean Energy. Also one on Global Water. And a third ETF made up of green bonds. With a small percentage of gilts in there, as well. You can choose the degree of risk you're prepared to tolerate, Cautious, Balanced, Agressive/Adventurous, and that defines the percentages of where your money goes within the theme. PLUSES The app is easy to use, and investing/topping up is a one click exercise. DOWNSIDES They're very sales/marketing focused, and barely 3 or 4 days goes by before I receive yet another email urging me to subscribe to this or that. Offset my carbon history etc, etc. For which I assume they take a cut. They also refer to customers and investors as 'users'. As I generally agree with the quite famous phrase.. "... the only people who refer to their customers as users are software companies and drug dealers...", being called a user iirritates me. PERFORMANCE Underneath it all, they're not really doing much different to other robo investors, except that as far as I can see they are ahead of the game in terms of Impact Investing. As I have been investing regularly and steadily, that smooths out the ups and downs. One of the ETF components of my theme has been something of a star in the last year ; the Clean Energy ETF has been, I think, the best performer of all the ETF's out there. So I have done rather well. Not sure if I'll stay with them, as I dislike being heavily marketed at. The majority of what I invest goes into Vanguard ETF/Index funds. I like the company, their fees are low, they're not constantly pestering me, and their reputation is solid.
  5. Mug of tea, and a chocolate chip Hobnob.
  6. @Margaret Thatcher. Before going down the road to a financial adviser, if I were you, I'd do some reading up of free, or nearly free resources. Warren Buffett, John Bogle stuff is freely available on Youtube. Blogs.... Monevator, Mr Money Mustache ( the latter because what you spend your money on can be just as important as what you invest in ). Also perhaps Dave Ramsey ..., Youtube, books. I've not much time for his brand of American individualism, but he's sound on basic financial management, and his view that in a financial adviser he wants to know that the adviser is more of a teacher, than a salesman. Yes, financial advisers do earn commissions from what they advise/sell to you.
  7. Know what you mean, mate. And those c***s who paste in foreign stuff on an ad hoc basis.
  8. Get yourself an Avensis. Ultra reliable, comfortable. And they don't command silly prices. If not that, I'd consider a Golf. Till the bills start coming in. Ditto, any BMW, Audi........
  9. Sneaking out to Lidl's a few days ago for some food, I'd run out of coffee, and just grabbed a bottle of 'L'Or Classique'. Made a cup this afternoon. Grim stuff..., bland, as bland, as bland. I'm not in the league to spend £250 on a coffee maker, new or otherwise. I only drink about 1 coffee a day, so a coffee maker will not get a hard life with me. I would though , like to have the choice of using some decent beans, and occasionally to make a latte, cappucino, or espresso. Any recommendations for that kind of useage with a max budget of around £100 'ish, or preferably less ? Any comments, experiences on ........ https://www.amazon.co.uk/gp/product/B077B3Z8SY/ref=ox_sc_act_title_1?smid=A3DC01MIVCFBA7&psc=1 or... https://www.amazon.co.uk/gp/product/B07XP64JN4/ref=ox_sc_act_title_2?smid=A1AFJESMA8SCN6&psc=1
  10. Life. Here a barp. There a barp. Everywhere a barp, barp. Runs away.
  11. OIl changes for me generally consist of oil at around £18 - £25 for 4.5/5 Litres, plus filter at around £6 - £8. It's really a case of being aware of the right grades/specs for your car, and finding the most cost effective way of doing it. Rather than going in to Halfords, and just paying up what they say. Over the years, I've tried various devices for loosening oil filters, and have finally settled on the 'cup' type. ( Around £5 ). I usually go for a good brand of filter ( Mahle ), or the manufacturer labelled one. So , all in, even if it's the first oil change I'd done on the car, and I'd had to buy a new cup to fit the filter specific to that car, then that comes to around £38 max ( but more usually around £27/£28 ) to do it myself. In about 20+ years, and loads of cars, I've done all the oil changes. Except for a couple of winters ago, when the oil change came due around about now. I looked outside, temperature below zero, wind shrieking up the driveway, and thought.... ".... **ck it, someone else can do it..". So down to my local garage, with the oil and filter in the boot, and they did it for half an hour's labour ( £30 ).
  12. After her knee to knee with Johnson documentary a couple of years ago which echoed the 'at home with the Camerons' one done by Nick Robinson just prior to a previous election.., I'm generally in agreement with the tweeter who said..... ".... I used to have a lot of respect for Robert Peston, but throughout this election he's been so far up Boris Johnson's arse he can see Laura Kuenssberg's feet..." [ Except for the bit about Robert Peston. He's always been a showboater. ]
  13. Clearly been having it tough. Just needs some relaxing me time.
  14. It's okay I drive a mk1 mx5, the ultimate hairdresser car. Me too, or rather it's my rolling project. Contrary to all the digs about hairdressers cars, the seller assured me that it was in fact a pussy magnet.
  15. Nope, that one's got me beat. Is it one of those where if it has to be explained it just makes it worse... ?
  16. ****st.., imagine having those things down your trousers.
  17. I once owned a 1984 same shape Merc 240D. I don't know how much bhp it had, but was considerably less than 120... Frightenly slow does not do justice to how it was.
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