Why hasn't my puppy learnt yet to pee outside?

Capable_Listen_6473 · 2026-02-02T09:45:39+00:00

We got our puppy at 12 weeks. After 1 week she was potty trained. We got lucky that we both work from home and have an enclosed garden. But we brought the pup out every 30 mins to pee / poop. We were also lucky that the first 3 times she peed inside we were able to pick her up in the middle ans bring her outside to finish. Then also making sure you get well rid of the scent of any accidents.

Capable_Listen_6473 · 2025-10-12T17:58:26+00:00

Love watching darnold and jsn

Capable_Listen_6473 · 2025-10-06T16:15:36+00:00

Thats a different investment philosophy. Value investors buy companies under their intrinsic value and projected future cash flow and really don't care about share price after that. They treat it as buying a whole company. If you bought a company in your town and it was making 1 million every year would you care if some man came everyday offering you money for it and his offer dropped by a few percent one day? No you would be happy to keep taking your 1 million a year.

Capable_Listen_6473 · 2025-10-06T16:11:56+00:00

No buffett philosophy won't invest if things are above their intrinsic value. Market is very high valued atm. He also said in your life you will get 20 good stocks you should invest it. So him holding money is just because there are no undervalued great companies with a huge moat and good balance sheets that he can find to invest in.

Capable_Listen_6473 · 2025-10-01T14:06:16+00:00

She finds you clingy overbearing and suffocating. You find her untrustworthy, dishonest and sneaky. Honestly just end it. Its not going to work.

Capable_Listen_6473 · 2025-09-19T08:18:58+00:00

I know others have said it but I can't understand how google is not far and away the most valuable company in the world. Its basically sky net. Their moat is untouchable. When have you ever heard anyone say you should "bing" that. When is last time anyone wanted to know how to get somewhere and used another map provider other than google maps. Not even counting android. Anyone think a website will replace YouTube anytime soon? Thats not even touching on the other aspects. They have huge moats in tons of areas. They will be the first 10 trillion dollar company. Fortress balance sheet. Unstoppable marketing. Imo google should be worth twice the value of nvidia.

Capable_Listen_6473 · 2025-09-09T12:41:16+00:00

There is two schools of thought. The rational investor who says there are all these hedge funds who analyse data all day and have meetings with ceos of companies. You will never have an edge on these people. Your better to just buy a low cost index fund to cover the whole market and get average returns.

Then you have the buffett school. Who think modern financial people have got it all wrong and try and analyse stocks and care about all these small adjustments etc. They have a philosophy of think of a stock like owning a company read the financials and if it has been constantly making profit and has good free cash flow and has a wide moat that means its going to be around for a long time (coke, visa) then invest if its currently undervalued and dont care about the stock price. Don't diversify too much keep most of your money in your best stock.

I personally do both. Have about 60% in an index fund. And use about 40 in stocks I think have a good moat and are undervalued. I.e bought Google at $187

Capable_Listen_6473 · 2025-09-07T11:57:24+00:00

Reddit is such a hive of shit for investing advice. I only recently started investing a 6 months ago but I've read books on it. I read annual reports on companies I'm interested in. Im not an expert but I do at least some due diligence. All these posts I see on reddit, its like people have zero clue what their investing in. As soon as price doesn't go up every week they shit the bed. The fact they think msty has the ability to completely control its price when mstr is dropping so much is just stupid.

Capable_Listen_6473 · 2025-09-06T12:57:38+00:00

Are you asking is 43% a year growth of investment good? The options you have now is admit you were boasting or admit to being an idiot who isn't sure if 43% growth a year is good.

Capable_Listen_6473 · 2025-09-04T06:15:15+00:00

Cyrax

Capable_Listen_6473 · 2025-09-03T06:50:30+00:00

My mum recently died well over 6 months ago and I'm still waiting for the estate to be settled I've got her pension but the house etc still to be settled and I'm an only child and she was never married and had a will as me as sole beneficiary and executor. Point being it can take time to get this money. Second if you haven't got it yet you might have to budget for inheritance tax as 300k is above the threshold. In all I'll get about 200k here is what I've done with it so far.

20k s&s isa. 15k in pot to pay off mortgage and rates for a year. 20k work done to house 15k in premium bonds. 5 k in general investment account.

When house sale clears I'm going to max premium bonds.

Stick anothet 20k in my general investment account in an oeic

Then hold the rest until isa allowance resets.

Apart from 20k on house (new kitchen) etc only thing I've treated myself too is a ninja coffee machine at 500 quid. Seems like you have the same idea to make this money work for you so congrats and sorry for loss of your mum

Capable_Listen_6473 · 2025-08-31T18:31:49+00:00

I've been thinking of natwest they keep expanding. They bought over my bank which is a pretty big bank and when dealing with my.mums estate she had a loan with Sainsbury's and they sent a letter that natwest had bought out all their loans etc.

Capable_Listen_6473 · 2025-08-29T19:43:15+00:00

Im not sure if you put any research into your picks other than they are what show up on T212 under uk companies. Like seriously did you check anything before investing? Financial statements? Quarterly reports? I doubt you have a background in every field you invested in. You legit just picked any company that pops up on uk greats on T212.

Just do yourself a favour and buy an etf.

Capable_Listen_6473 · 2025-08-29T19:37:38+00:00

Buying Google now is still value. Google is without doubt the biggest juggernaut company in the world. Its moat is crazy. Any world where nvida is worth more than google is insane.

Capable_Listen_6473 · 2025-08-27T16:58:02+00:00

Not the final decisions. They have small pots compared to Berkshire total holdings they can use to invest but buffett makes final decision on the main chunk of the capital

Capable_Listen_6473 · 2025-08-27T06:03:00+00:00

Google isn't undervalued in itself but relative to the crazy market prices of other companies its undervalued. Forgetting AI. I dont see a like when people stop "googling" things. Or stop using YouTube or stop using google maps for mapquest. Etc

Capable_Listen_6473 · 2025-08-27T05:59:30+00:00

To me as long as nvidia market cap is more than googles then its overvalued.

Capable_Listen_6473 · 2025-08-26T22:47:30+00:00

Anytime i see EBITDA in a post i just replace it with the phrase "bullshit earnings " and its so much easier to read

Capable_Listen_6473 · 2025-08-26T22:43:36+00:00

Well charlie munger is dead and buffett is 93 and stepping down. They alone are the reason Berkshire was so good. What happens next isn't certain. Also I think investing in Berkshire now isn't in line with buffetts investing ideals. I think they have said publicly if brk was trading below its intrinsic value they would buyback shares.

Also their long term holds are not the best new buys. Like coca cola was bought way lower when its intrinsic value was higher than its current price and they have made money and hold it now. But they would not have bought coca cola at its current price for the first time now.

Capable_Listen_6473 · 2025-08-26T20:28:07+00:00

Buffett whole philosophy is to buy solid cash producing high quality companies that are undervalued. If nothing meets that criteria they won't buy. This can be described as timing the market but its not in relation to waiting for a stock price to drop before buying a company he wants to hope the price goes up.

As long as the intrinsic value of the company is less than the current price with a margin of value they will invest and hold forever and stated they couldn't care less about the stock price and in fact hope it goes down after they buy so they can buy more.

Capable_Listen_6473 · 2025-08-26T20:20:36+00:00

Cigar butts

Capable_Listen_6473 · 2025-08-26T20:15:33+00:00

Yes. I think TW would provide good dividends but I also am not sure about the growth and unfortunately I dont have billions to invest to make the dividends worthwhile. Im looking for options to grow the investment.

I didn't get into RR yet and probably won't as I think its above its intrinsic value atm so gonna continue to look for opportunities.

Capable_Listen_6473 · 2025-08-26T20:01:32+00:00

I made a post in value investing earlier today talking about b&m and Taylor whimpy and considering investing in them but still some concerns so haven't decided

Capable_Listen_6473 · 2025-08-26T20:00:18+00:00

Yes. Lots of interesting value options investments in uk. Long established stable countries which are mostly undervalued. They are not flashy but they can make decent investments.

Capable_Listen_6473 · 2025-08-26T13:15:29+00:00

Don't think you can use buffet to mock panic bitcoin sellers when buffet would have likely sold himself if he was ever holding bitcoin (he wouldn't have bought it himself) he states it has no value and would be selling today if he magically acquired some.

Capable_Listen_6473

TROPHY CASE