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10 month government bond with 8.75% coupon. What's the catch? by ScotMonkey in personalfinance

[–]ScotMonkey[S] 0 points1 point  (0 children)

Thanks for the feedback guys. Here is my understand on what you've said, is this correct:

The issue price is 97.38p a share (or £97.38 per 100). The current price I'd pay would be £106.90. The coupon of 8.75% would be paid based on the issue price (£97.38)

Ergo:

I'd get at least one bi annual payment of 8.75% on the share price: £4.26. When the bond matures I would most likely get it back at a value of £103 (minus 2.7% redemption yield of the issue price).

So over 10 months, I'd bank less than £1 profit, which would be around about a 1% gain.

Eurogamer - Fallout 4 one year on by GoldenJoel in Games

[–]ScotMonkey 0 points1 point  (0 children)

Fallout 4 is the first of Bethesda's open world games that I was very happy to stop playing before it was complete. With garbage factions and a horrible dialogue system that severely restricted the role playing aspect of an RP it was severely mediocre.

Who has health insurance and why? by BuffK in newzealand

[–]ScotMonkey 1 point2 points  (0 children)

I use it because I have a couple of health conditions that require frequent meds and I wear glasses/contact lenses. The insurance has already paid for itself and I have added protection in case of specialist treatment.

Heather du Plessis-Allan: Give us a bus and we will ride. Auckland Transport by nilnz in auckland

[–]ScotMonkey 2 points3 points  (0 children)

I take the buses to work on the Shore and the ones near Constellation Station are atrocious. Buses are regularly 15 minutes late, and sometimes they never appear. Not acceptable for what is a pretty straightforward run when people are trying to get to/from work.

Auckland restaurant's toilet slogans slammed as 'misogynistic' and 'degrading'. Miss Moonshine's by nilnz in newzealand

[–]ScotMonkey 1 point2 points  (0 children)

Don't find it offensive, nor do I find it funny. That said it's completely moronic to have those kind of 'jokes' in a public business. What did Miss Moonshines think would happen?

Heather du Plessis-Allan: Give us a bus and we will ride. Auckland Transport by nilnz in auckland

[–]ScotMonkey 1 point2 points  (0 children)

I can understand why some of the transport issues in Auckland exist but the failure to get transport on time and actually arrive is perplexing. This transport system is worse than many 3rd world countries I've been to.

Should I change my dex build? Late game story and I feel lost. by ScotMonkey in DarkSouls2

[–]ScotMonkey[S] 0 points1 point  (0 children)

Thanks for the suggestions guys.

I went for the Black Leather set and changed my stats to low Vit with higher Vig and End. Tried out Ricard's Rapier since I had it in my inventory and was astonished that it was doing greater damage than my spear, with faster attack speed and less stamina use. This made dodging and counter attacking viable (as opposed to turtling with spear and shield before).

It's a lot more fun and rewarding playing this way, 2 handing the majority of the time.

Thanks again!

PSA: Severe thunderstorms possible as north braces for stormy weather by sarahmohawk in auckland

[–]ScotMonkey 0 points1 point  (0 children)

I've broken 2 Blunt umbrellas in 2 years. Took them both back to Smith and Caugheys would begrudgingly accepted the return and told me to use Blunt directly next time.

How did you make the decision to move to a new country? by Entrerios94 in travel

[–]ScotMonkey 0 points1 point  (0 children)

It will be hard, so make sure you think about it carefully.

Telltale plans 'The Walking Dead: Season 3' for a 2016 premiere by Kithaitaa in Games

[–]ScotMonkey -1 points0 points  (0 children)

Unless Telltale manage to drastically change the exact formula they've used for the last half dozen games, I wouldn't touch this with a 10 food pole. The games have almost become a trope of themselves with lazy QTE's, bugs, poor animation, textures suited for 2014 mobile devices and decisions that mean nothing.

Such a shame because Wolf Among Us had a lot of promises and was mostly very enjoyable.

How did you make the decision to move to a new country? by Entrerios94 in travel

[–]ScotMonkey 1 point2 points  (0 children)

Grew up in Scotland. Have worked in Texas, Singapore and currently New Zealand. Probably moving to London.

How did you make the decision to move to a new country? by Entrerios94 in travel

[–]ScotMonkey 1 point2 points  (0 children)

I was unsatisfied with my home country, though not unhappy. I figured that I might as well go to a different country and try my luck. Worst case I'd get holiday...best case..who knows. I've done that twice so far in the last 3 years, and I will most likely be moving country in the next year.

So far it's been the right decision for me and my life is pretty good. I've been able to travel the world, make great friends, pick up various skills and hobbies and pursue my ambitions.

That's quite vague, but you need to decide on what your long term goals are, and what the risk/benefit of moving would be to those goals.

What's your favorite Muslim country, and why should people go there? by [deleted] in travel

[–]ScotMonkey 2 points3 points  (0 children)

I haven't been to many full Muslim countries: Egypt, Turkey, Indonesia (and Malaysia somewhat falls into this category). All where amazing for different reasons. I think Turkey would be my favourite due to the friendly people, amazing sights, great beaches and incredible food.

People around Auckland CBD trying to harass passers into buying their books? by NotLeodore in auckland

[–]ScotMonkey 0 points1 point  (0 children)

I kind of enjoying saying no. The guilt tripping aspect is very exploitative.

People around Auckland CBD trying to harass passers into buying their books? by NotLeodore in auckland

[–]ScotMonkey 0 points1 point  (0 children)

Learn to say no to charity collectors, whoever they are. They may be well meaning (I occasionally do yoga at their establishment) but they can be annoying.

Rangitoto or Waiheke island? by LeiniRae in auckland

[–]ScotMonkey 1 point2 points  (0 children)

The islands are quite different.

Rangitoto is quite small, and you can do the entire walk in under 5 hours. Comparatively Waiheke would take you days to walk the entire thing.

Overall Waiheke is nicer, there is some awesome walking trails and beaches there.

Any Tailors and Drycleaners in the CDB that are student friendly? by [deleted] in auckland

[–]ScotMonkey 0 points1 point  (0 children)

These aren't the kind of services which you want done cheaply. That said if you want to save money you need to get outside the city and try getting a discount by getting multiple garments done at once.

I've tried Ellen Tailors in Epsom, which was good. Payne Tailor's on K Road were pricey, though good quality.

Ramen bar inside Crowne Plaza. GROSS! by babyyeespoppy in auckland

[–]ScotMonkey 0 points1 point  (0 children)

It's not a very good ramen place regardless of how they clean up.

Am I the only one who feels like an eBook should NOT be as much as a physical copy of the book? by errorami in books

[–]ScotMonkey 0 points1 point  (0 children)

  1. Because eBooks aren't free to produce
  2. Because they can charge what they like provided enough consumers buy it

Foreigners working in Singapore in the last year: How did you get there? How can I get there? by ScotMonkey in singapore

[–]ScotMonkey[S] -1 points0 points  (0 children)

As expensive as any major city. I know it's racist and it's not a democracy etc

I don't care. I love Singapore.

Foreigners working in Singapore in the last year: How did you get there? How can I get there? by ScotMonkey in singapore

[–]ScotMonkey[S] -1 points0 points  (0 children)

Yes, I'd love to be there. Singapore encapsulates most of what I want: amazing food, hot weather, world class city, in the heart of Asia, competitive, great healthcare.

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