I would just like to say

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Morning all, I am on my own this weekend. My middle daughter got knocked over on a Zebra crossing on Thursday. She is not seriously hurt thankfully but the Mrs is going down to see her while I stay and look after the dog.
I am going to be servicing the 90 and replacing the water pump that threw its bearing before Christmas :)
Have a great weekend everyone!
 
My Old Landy said:
Morning all, I am on my own this weekend. My middle daughter got knocked over on a Zebra crossing on Thursday. She is not seriously hurt thankfully but the Mrs is going down to see her while I stay and look after the dog.
I am going to be servicing the 90 and replacing the water pump that threw its bearing before Christmas :)
Have a great weekend everyone!
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Sorry to hear of the accident, thank goodnes it wasn't more severe. I do hope the police are dealing with this. :(
 
Hippo said:
Premium binds. Yer get yer deposit back garranteed. Yer mite gain. Yer mite not. But yer won't lose wot yer put int.
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I am good with money saving wise, but I just want to be able to put a small amount of money into a scheme/fund and add to it weekly to hopefully gain money.:)
I will purchase some bonds though , good idea as i wont be tempted to spend that money then.
Thank you Sir :);)
 
Hippo said:
Me oft road video is 43 minnits long. Eye can purrit ont youtoob as one long video or split it inter several shorter video's like 1 of 3. Does the lenf ov a youtoob video put yer oft watchin it? Do peeps prefer 1 long video or a 3 part one? Just wonderin.
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I prefer a long one, though i do not mind a small one now and then o_Oo_O:D
 
kurtjohnson10 said:
I am good with money saving wise, but I just want to be able to put a small amount of money into a scheme/fund and add to it weekly to hopefully gain money.:)
I will purchase some bonds though , good idea as i wont be tempted to spend that money then.
Thank you Sir :);)
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Saving accout rates have been low for more than a decade. Gov bonds 'gilts' are safe. If you want to gain higher than that then you have to start taking on risk of losing some or all of yer stake money. I lost on shares years ago. It wasn't until i bortid a book on investing that i really understood what risk is and how to avoid it. It may sound obvious but the finer points make you think twice about certain types of investments.
 
Hippo said:
Saving accout rates have been low for more than a decade. Gov bonds 'gilts' are safe. If you want to gain higher than that then you have to start taking on risk of losing some or all of yer stake money. I lost on shares years ago. It wasn't until i bortid a book on investing that i really understood what risk is and how to avoid it. It may sound obvious but the finer points make you think twice about certain types of investments.
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That is what i have also been reading up on, there seems little gain for a lot of risk at the moment.
It just boils my brain not being able to invest my hard earned money and make on it. :(:(
 
kurtjohnson10 said:
I am good with money saving wise, but I just want to be able to put a small amount of money into a scheme/fund and add to it weekly to hopefully gain money.:)
I will purchase some bonds though , good idea as i wont be tempted to spend that money then.
Thank you Sir :);)
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I also won £25 on my bonds this month. That’s £50 in 3 months which beats the banks many times over
 
kurtjohnson10 said:
That is what i have also been reading up on, there seems little gain for a lot of risk at the moment.
It just boils my brain not being able to invest my hard earned money and make on it. :(:(
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When I first left school and was working, interest was around 10% in the bank. I used to get about £35 a month which was great. Now you’re lucky to get a fiver a month on 3 times the amount
 
Def90man said:
When I first left school and was working, interest was around 10% in the bank. I used to get about £35 a month which was great. Now you’re lucky to get a fiver a month on 3 times the amount
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I know mate :(,
personally i think its a con by the banks/government to get people to spend rather than save.
Which is great if you are loaded but not so good if you just want to save for a better retirement on a normal wage.
I will definitely buy some bonds. Just looking at them now, is it the premium bonds i purchase?
The £25 each ones. :)
 
kurtjohnson10 said:
That is what i have also been reading up on, there seems little gain for a lot of risk at the moment.
It just boils my brain not being able to invest my hard earned money and make on it. :(:(
Click to expand...
In general, if the man in the street/pub is talking about it... then the lions share of the gains have already been taken.

I too have looked round at different options. I would rather use PB's and back accounts instead if investing. There are investment funds you can pay into like a stock which are 'monitored and invested for you' as a group, which offer a gentle profit. They buy and sell investments in and out of the group fund, so do the finking for you. You effectively buy a number of units (% of fund) and can sell them at a later date for current market value at the time. In general they have a ftse style 250 or 350 mix of holdings. On average there should be growth long term without the ftse 100 sudden highs and drops.

Some take the p*ss about me savings account and PB's but having accessible money to one side can be helpful. Like when yer car or boiler fails. It also means yer don't need to pay interest on purchases like cars. In reality the money does reduce a bit each year as fings yer buy goes up, in comparison. Not everyone is in the situation to save like this. But if yer can then the oft set of avoiding purchase interest costs can make it a more desirable option. It does for me.
 
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