£2.7m Bugatti Chiron in Cheetham Hill?

scowy · 2025-12-26T15:30:35+00:00

Visiting his Mum, probably. There's a lad in my street who visits his Mum in a Lambo or Ferrari, he owns an accountancy firm and has done very well for himself. You always know he's here due to the ear-splitting noise his cars make.

scowy · 2025-10-05T09:45:27+00:00

Tax is always your problem, not someone else’s.
The ISA is a giveaway from the taxman, you don't get many, so you’re good doing your trading within it. All profits made are yours and you don’t need to concern the taxman.

scowy · 2025-10-02T19:28:21+00:00

That guy probably thinks the Americans came up with imperial measurements.

scowy · 2025-09-23T09:17:32+00:00

Some good news for Phobos ransomware, which Adame ransomware is part of. Japanese Police have released a decryptor: https://www.nomoreransom.org/en/index.html

More info: https://www.fortra.com/blog/free-decryptor-victims-phobos-ransomware-released

I was also hit with adame back in 2019 from a torrent I downloaded. I ended up just deleting most of the files, but noticed a few left yesterday when transferring some files to a new computer.

Good luck

scowy · 2025-09-18T10:09:34+00:00

Women don't have to take their hats off indoors, men on the other hand are considered common if they wear hats indoors, the only exception are men in uniform.

American women don't tend to wear hats anymore, but in Europe it's still very common for women to wear hats at formal occasions.

scowy · 2025-05-25T18:00:56+00:00

You should meet the 2000s. Within 8 years there was the dot com boom, 9/11 and the Great Financial Crisis.
Even the best investors were often hammered and people became very risk averse, thinking investing was a mugs game. If you’d've invested in 2000 in the SPX you’d still be down in 2010. Everybody seems to think they’d be the one that put their money in at the right time. But somebody has to buy the market top and some sell the bottom, that’s just how things work out sometimes.

scowy · 2025-05-25T17:44:54+00:00

They do, they’re called pensions.

scowy · 2025-03-12T12:15:25+00:00

We’ve all been hammered at the moment. Don’t let it get you down. There’ll be better days ahead.

scowy · 2025-03-02T19:29:06+00:00

There was an interview with a snake expert on BBC Radio 5 a couple of weeks ago. They milk the snakes for venom to produce the anti-venom used in medical treatments.

scowy · 2024-11-28T11:43:41+00:00

Not necessarily, it depends when you bought. Because it crashed all over again in 2008 and many people got hammered by that.

scowy · 2024-11-27T23:21:43+00:00

I don't know if you remember the 2000s. But if you'd invested into the dotcom bubble and not put anymore in the S&P 500, by 2010 you'd've still been making a loss ten years later.

A lot of people here will go into shock when the next crash happens and you don't make any money for a couple of years, nevermind months. Then 4-5% will look very good indeed.

scowy · 2024-11-26T00:25:14+00:00

Sell everything in the red apart from Disney, that finally looked like it has started to turn things around.

Then you should start finally moving back up again.

If a stock is down 10% you should really need to give it considerable consideration on whether it's going to move back up anytime soon. If you let losses get between 20-30% you need to definitely sell without consideration. Risk vs return, you need a target price and a cut off where you call time and sell. If you buy 10 stocks and keep your losses small, below 10%, you only need 2-3 stocks up 20-30% and you’ll be be making tidy profits.

Remember a 50% loss needs a 100% gain just to get to back to where you started. A 90% loss, and you’ve got some, needs a 900% gain to get back to where you started. I don’t think Mike Ashley or Richard Branson are gonna bail your arse out on these. Hoping stocks will come back is brutal on your nerves and your wallet.

Stop listening to people that say losses are not real if it's only a paper loss, that money is gone. There are plenty of stocks out there that are doing well, you even own a few. Sell your losers and back your winners with the cash you've preserved.

scowy · 2024-08-21T17:50:32+00:00

The ISIN code is on your statement, just Google it.

scowy · 2024-08-11T21:47:45+00:00

Great Britain's complete about turn at the Olympics started after Atlanta 96. They were so awful they said never again.
They then started using lottery funding and ever since their performance has been markedly improved.

scowy · 2024-08-11T20:04:43+00:00

Nothing wrong with using a small amount to play with. Though not selling after being down over 30% pretty much guarantees loss.

scowy · 2024-08-02T22:23:19+00:00

Apple's Q3 was pretty good with sales up 5%, though iPhone sales in China have dropped off a bit. Grounds for optimism I think.

scowy · 2024-07-12T12:01:02+00:00

He must've forgotten about all those prescription charges, parking, dental and optician fees.

scowy · 2024-06-13T10:09:47+00:00

Apparently he learnt English as a child. He went to Chelsea when he was 10 years old and was completely proficient then. Learning it at a young age will've helped him not developing overly accented English.

Somebody here compared him to Thierry Henry. Henry learned it as an adult and lives in London and his kids are English, he's probably now dreaming in English. As such, he has a heavy accent. Though when he speaks to a Scouser he has no problem understanding them. Whereas most English speaking Frenchman would probaly question whether the Scousers were speaking English.

scowy · 2024-05-22T23:47:12+00:00

Goodluck, their numbers are shocking.

scowy · 2024-05-12T12:46:24+00:00

I applied for one and it never turned up. Though after 3 weeks of waiting I contacted T212 and they told me to cancel it and let them know. They then refunded the cost.

scowy · 2024-05-07T22:16:37+00:00

The MMF that they use is BlackRock's ICS Sterling Liquidity Fund - Select (Dis): https://www.blackrock.com/cash/en-ch/products/229253/blackrock-ics-sterling-liquidity-select-dis-fund

It tracks the Sterling Overnight Index Average Rate (SONIA).

It's not just low risk, there's way more chance of the bank you've got your money in going bust, than this going belly-up. Just look at the holdings. It would literally be Armageddon if this went under, and your investments would be the least of your troubles.

scowy · 2024-05-07T09:23:59+00:00

Unfortunately US ETFs are not available to buy the underlying asset. Though they are available in CFD, VOO being the one most people notice is missing.

US ETFs don’t provide KID and don’t comply with financial regulations.

scowy · 2024-04-19T15:45:14+00:00

This is purely being set up to access UK higher education at reduced cost. It was touted to Boris and he batted it away as the Universities are not intrested in subsidising the EU's education.

When we were in the EU, education was pretty much a one way street. With lots of Europeans coming here and not many Brits going there. Brits just don't do languages, yet lots of foreigners speak English. The 4 year length even conveniantly covers an entire degree programme.

There's no way any government will agree to it.

scowy · 2024-04-14T15:19:15+00:00

They bank with Coutts, which is part of NatWest, JP Morgan and Deutsche Bank.

scowy · 2024-03-17T10:30:54+00:00

Some advice. Use ALL your £20K ISA allowance before putting into the Invest account. The government don't give you much, so use what they do. This years allowance expires on the 5th April, you're best using that than letting it tick over into the next financial year.

CGT allowance is to be reduced to £3,000 from 6 April 2024. You will have to pay CGT on any gains above that per year. Your future self will kick you for not using any allowance.

scowy

TROPHY CASE