Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • BettyBoof
    • By BettyBoof 9th Feb 17, 5:34 PM
    • 234Posts
    • 1,480Thanks
    BettyBoof
    Micro Investing
    • #1
    • 9th Feb 17, 5:34 PM
    Micro Investing 9th Feb 17 at 5:34 PM
    Hi, apologies if this has been asked before but a search didn't throw any threads up.

    Do any of you use M0ney B0x or similar to micro invest? You link the app to your debit card and then every time you spend money it gets rounded up and invested. E.g. a 1.80 coffee will get rounded up to 2 and the 20p will be set aside to be invested.

    I'm only just looking into it and I think it's fairly new so wondered if anyone had any experience of investing this way? It sounds like a fun and easy way to save without needing huge sums to get started but I'm wondering if the small amounts will make it worth it?
Page 4
    • JohnRo
    • By JohnRo 20th Mar 17, 5:06 PM
    • 2,306 Posts
    • 2,046 Thanks
    JohnRo
    I decided to look up the meaning of "prat"
    'We can't solve problems by using the same kind of thinking we used when we created them.' ― Albert Einstein
    'Facts do not cease to exist because they are ignored.' ― Aldous Huxley
    • AnotherJoe
    • By AnotherJoe 20th Mar 17, 5:28 PM
    • 6,295 Posts
    • 6,667 Thanks
    AnotherJoe

    What is glaringly clear to me is that you don't understand it. Perhaps if you used it and got some experience of it you might begin to understand it: Not saving a fixed amount every month and saving pennies that are not missed is what it's all about.
    Originally posted by Anthorn
    Whats glaringly clear to me is that you dont understand it.

    There's no difference whatsoever saving 10 a month whether it comes from "pennies that wont be missed" out of your bank account ( that add up to 10 lets say) or "10 that wont be missed" out of your bank account, except that the former will cost you an extra 1.

    You are making a wholly artificial distinction between whether the money comes from (say) 20 transactions rounded up to the nearest 1 or one transaction of 10. Except I suppose that it is really "micro" investing if you dont buy much, and I fail to see the benefit, if you wish to invest, of what you invest being determined by the random number of bank transactions you make in a month.

    Its a gimmick for the financially inept.
    • Anthorn
    • By Anthorn 20th Mar 17, 5:29 PM
    • 3,005 Posts
    • 775 Thanks
    Anthorn
    I decided to look up the meaning of "prat"
    Originally posted by JohnRo
    So sad. When an opponent has to descend into name-calling to compete I know I've won. I love being victorious.
    • Anthorn
    • By Anthorn 20th Mar 17, 5:41 PM
    • 3,005 Posts
    • 775 Thanks
    Anthorn
    Whats glaringly clear to me is that you dont understand it.

    There's no difference whatsoever saving 10 a month whether it comes from "pennies that wont be missed" out of your bank account ( that add up to 10 lets say) or "10 that wont be missed" out of your bank account, except that the former will cost you an extra 1.

    You are making a wholly artificial distinction between whether the money comes from (say) 20 transactions rounded up to the nearest 1 or one transaction of 10. Except I suppose that it is really "micro" investing if you dont buy much, and I fail to see the benefit, if you wish to invest, of what you invest being determined by the random number of bank transactions you make in a month.

    Its a gimmick for the financially inept.
    Originally posted by AnotherJoe
    I think your dinner might be ready now. Have you checked.

    Oh your post? Nothing original in there. It's all been said, replied to and chewed over. Anyway, we've moved on now. I won

    Do you need to get a life?
    • justme111
    • By justme111 20th Mar 17, 5:57 PM
    • 2,568 Posts
    • 2,442 Thanks
    justme111
    I won

    Do you need to get a life?
    Originally posted by Anthorn

    I must confess I was late with dinner due to checking on this thread.
    • Gadfium
    • By Gadfium 20th Mar 17, 5:59 PM
    • 598 Posts
    • 1,102 Thanks
    Gadfium
    So sad. When an opponent has to descend into name-calling to compete I know I've won.
    Originally posted by Anthorn
    Well, if that's how you judge winning, then you've already lost. You started* by accusing people of pedantry pages ago, nevermind these pearlers:

    But hey I know I'm wasting my time trying to teach someone who already knows everything!
    Originally posted by Anthorn
    It's mainly just an off-topic personal attack which incidentally displays you low [SIC] intelligence.
    Originally posted by Anthorn
    By your own metric, you've lost. But life might be slow in your neck of the woods so I guess that you have to get your jollies anyway that you can.

    Anyhoo, enough of that childishness. I get it. You like Moneybox for your own reasons. Others don't. Personally I think that it's a bit "meh" and it is expensive, but hey, whatever blows your skirts up.

    Seeing as you are so down with the kids on Internet memes like ROFL, have a ROFLbrothel on me.



    *Is this a school yard?
    Last edited by Gadfium; 20-03-2017 at 6:05 PM.
    • Anthorn
    • By Anthorn 20th Mar 17, 6:16 PM
    • 3,005 Posts
    • 775 Thanks
    Anthorn

    I must confess I was late with dinner due to checking on this thread.
    Originally posted by justme111
    Oh dear: I bet your mummy was annoyed.
    • Anthorn
    • By Anthorn 20th Mar 17, 6:25 PM
    • 3,005 Posts
    • 775 Thanks
    Anthorn
    Well, if that's how you judge winning, then you've already lost. You started* by accusing people of pedantry pages ago, nevermind these pearlers:
    Originally posted by Gadfium
    I'm not accusing anyone at al of pedantry or at least not naming them. I'm referring to posts and the evidence is there for all to see. I do actually try to limit my posts because I'm conscious of the fact that the posters in this thread are children and I am of the opinion that youth should be encouraged and not discouraged. I can do a lot better than I have done.

    Only children would repeat something to the extent that it is repeated in this thread. An adult would have dismissed it and moved on. Possibly children who have become used to getting their own way but nevertheless, children. I never liked going to school on a Monday either.
    • justme111
    • By justme111 20th Mar 17, 6:33 PM
    • 2,568 Posts
    • 2,442 Thanks
    justme111
    I can do a lot better than I have done.

    .
    Originally posted by Anthorn

    No kidding
    • Gadfium
    • By Gadfium 20th Mar 17, 6:35 PM
    • 598 Posts
    • 1,102 Thanks
    Gadfium
    I'm not accusing anyone at al of pedantry or at least not naming them. I'm referring to posts and the evidence is there for all to see. I do actually try to limit my posts because I'm conscious of the fact that the posters in this thread are children and I am of the opinion that youth should be encouraged and not discouraged. I can do a lot better than I have done.
    Originally posted by Anthorn
    Patronising, much?

    You know the old saying about how it's better to keep your mouth shut and let others think you a fool than open it and remove all doubt?

    Anyway, I'm genuinely glad that you have found amusement from arguing on the Internet. It's always nice to see someone so easily pleased.
    • bowlhead99
    • By bowlhead99 20th Mar 17, 6:47 PM
    • 6,330 Posts
    • 11,188 Thanks
    bowlhead99
    Only children would repeat something to the extent that it is repeated in this thread. An adult would have dismissed it and moved on.
    Originally posted by Anthorn
    Just so we're clear. There are about 70 posts on this thread. About a third of them are from you. After your first six posts you did three in a row where you said you would no longer be responding - along the lines of "don't expect a reply" "this is my last on this thread" and "bye bye over and out"'.

    I pointed out that you'd said you were going; since then, it's just been the fourteen more over the course of the day.

    How's that "I do actually try to limit my posts" working out for you? It doesn't seem to be working out very well for us ...

    :ROFL:
    • AndyT678
    • By AndyT678 20th Mar 17, 10:14 PM
    • 654 Posts
    • 863 Thanks
    AndyT678
    You know we adults do sometimes change our minds and do things we didn't expect to do mostly in the light of new information. That's illogical and distinct from the outlook of a typical child which is logical seen in a largely monochrome, uncompromising form.

    But I'll be out of this thread and all other threads ...
    Originally posted by Anthorn
    It is a basic truth of human nature that we don't like to acknowledge that we are wrong. Our ego gets in the way of learning and we often desperately cling to false beliefs regardless of how much factual evidence is presented to the contrary.

    We dismiss information that doesn't support the decision that we've already made and try to rationalise our irrational behaviour; it is only natural.

    But there has to come a point when any sane, reasonable person starts to question their assumptions. When the entire world is telling you that you've got it wrong maybe, just maybe it's possible that it is in fact you who has misunderstood or not quite got it rather than everybody else being childish, pedantic idiots who don't know what they're talking about.

    Just something to mull over during your hols.

    Anyway what do I know, I'm probably just a spotty, 14 year old virgin
    Last edited by AndyT678; 21-03-2017 at 8:11 AM.
    • Anthorn
    • By Anthorn 20th Mar 17, 10:28 PM
    • 3,005 Posts
    • 775 Thanks
    Anthorn
    It is a basic truth of human nature that we don't like to acknowledge that we are wrong. Our ego gets in the way of learning and we often desperately cling to false beliefs regardless of how much factual evidence is presented to the contrary.

    We dismiss information that doesn't support the decision that we've already made and try to rationalise our irrational behaviour; it is only natural.

    But there has to come a point when any sane, reasonable person starts to question their assumptions. When the entire world is telling you that you've got it wrong maybe, just maybe it's possible that it is in fact you who has misunderstood or not quite got it rather than everybody else being childish, pedantic idiots who don't know what they're talking about.

    Just something to mull over during your hols.

    Anyway what do I know, I'm probably just a spotty, 14 year old virgin
    Originally posted by AndyT678
    What is there for me to be wrong about or assume? I use Moneybox, I find it useful and I give reasons why I find it useful. Oh ok I am assuming that we are still discussing the topic which is Micro investing. But I suspect not.

    I'm not actually accusing anyone of anything. I just make the observation that posts in this thread are posted by children. There is however an alternative and that is that they are posted by immature adults.

    Lastly I'm ignoring the information in your post simply because it is without qualification, pedantic and childish. If you want to debate let's see your proof! And why is being a virgin relevant? Actually, you should be proud of that.

    ROFL
    Last edited by Anthorn; 20-03-2017 at 10:32 PM.
    • bowlhead99
    • By bowlhead99 20th Mar 17, 10:49 PM
    • 6,330 Posts
    • 11,188 Thanks
    bowlhead99
    Hey Andy,
    You might want to redact the part of Anthorn's post that you're quoting where he talks about the timing, location and duration of a forthcoming holiday having also posted what he claims to be his genuine facebook profile which is publicly viewable during one of his earlier rant. We wouldn't want to be held responsible for when he gets back to a burgled house after publicly advertising his absence and I see he has removed the post in question. Because he's smart, right
    • Anthorn
    • By Anthorn 20th Mar 17, 11:13 PM
    • 3,005 Posts
    • 775 Thanks
    Anthorn
    Hey Andy,
    You might want to redact the part of Anthorn's post that you're quoting where he talks about the timing, location and duration of a forthcoming holiday having also posted what he claims to be his genuine facebook profile which is publicly viewable during one of his earlier rant. We wouldn't want to be held responsible for when he gets back to a burgled house after publicly advertising his absence and I see he has removed the post in question. Because he's smart, right
    Originally posted by bowlhead99
    I find it quite incredible that I have to keep posting time after time "Unqualified" and "Pendantic" and now to that I've added "childish". It's pretty much below the belt to criticise me because I posted my posted my FB profile when you haven't provide your FB profile, Ok come on let's see it. Or are you hiding behind anonymity?

    But, you know, if you were not pedantic you would realise that I feel safe posting that information. Otherwise I would not have posted it. My home is not left unoccupied but since you claim to know me I'll leave you to post the reason for my home not being left unoccupied ROFL I'll even be posting in my public FB status that I'm leaving for France.

    Lastly post my home address. Come on I'm waiting for you to post it.
    Last edited by Anthorn; 20-03-2017 at 11:17 PM.
    • jimjames
    • By jimjames 20th Mar 17, 11:20 PM
    • 11,788 Posts
    • 10,145 Thanks
    jimjames
    It is a basic truth of human nature that we don't like to acknowledge that we are wrong. Our ego gets in the way of learning and we often desperately cling to false beliefs regardless of how much factual evidence is presented to the contrary.
    Originally posted by AndyT678
    Donald Trump would agree with you, even more so if you told him the spies were wire tapping him too.
    Remember the saying: if it looks too good to be true it almost certainly is.
    • bowlhead99
    • By bowlhead99 21st Mar 17, 6:10 AM
    • 6,330 Posts
    • 11,188 Thanks
    bowlhead99
    Hey Andy,
    You might want to redact the part of Anthorn's post that you're quoting where he talks about the timing, location and duration of a forthcoming holiday having also posted what he claims to be his genuine facebook profile which is publicly viewable during one of his earlier rant. We wouldn't want to be held responsible for when he gets back to a burgled house after publicly advertising his absence and I see he has removed the post in question. Because he's smart, right
    Originally posted by bowlhead99
    I find it quite incredible that I have to keep posting time after time "Unqualified" and "Pendantic" and now to that I've added "childish". It's pretty much below the belt to criticise me because I posted my posted my FB profile when you haven't provide your FB profile, Ok come on let's see it. Or are you hiding behind anonymity?
    Originally posted by Anthorn
    You genuinely can't see I AM TRYING TO HELP YOU ?

    It's not 'below the belt' to suggest that personal information about someone in a block of quoted text should be removed or redacted especially when the post which is being quoted appears to have been removed (not sure if that removal was by you or a forum admin, but I assumed by you).

    This is not me being childish, it is simply how things are suggested to work on most forums, with good reason - to protect people from having personal identifying information about them continue to be listed once they have deleted it themselves.

    But, you know, if you were not pedantic you would realise that I feel safe posting that information.
    You have posted a link to the encyclopedia page for 'pedantic' twice. So presumably you know what it means. I can't see how it makes sense to use it in this context. Why would a person having a pedantic or non-pedantic nature have any bearing on them knowing whether you feel safe posting the information?

    You posted your travel dates and the fact you would not be contactable due to being out of the country; and then the post was removed. I assumed it was because you regretted posting the information. However, now you seem proud of publishing your travel plans and your personal info and are surprised we don't want to publish ours. So maybe you just don't care and think it makes you a better person for being so cavalier.

    My home is not left unoccupied but since you claim to know me I'll leave you to post the reason for my home not being left unoccupied ROFL I'll even be posting in my public FB status that I'm leaving for France.
    Lastly post my home address. Come on I'm waiting for you to post it.
    OK - having checked there's no explicit forum rule about posting other people's personal details if they request you to do that, even though it would be bad form and highly inappropriate to do it unsolicited: your home is not considered 'unoccupied' as it's part of a sheltered housing block.

    (Text removed by MSE Forum Team)
    Last edited by MSE ForumTeam5; 21-03-2017 at 11:18 AM. Reason: Personal details
    • Anthorn
    • By Anthorn 21st Mar 17, 6:54 AM
    • 3,005 Posts
    • 775 Thanks
    Anthorn
    The debate about Micro Investing several posts ago when you and others abandoned the debate and embarked on personal attacks.

    What you also don't see is that you are now breaking the law on harassment and there is now clear evidence of that. btw I saved your last post and printed it. Here's a link which you might find interesting:
    http://www.bbc.co.uk/newsbeat/article/32379961/cyber-stalking-when-looking-at-other-people-online-becomes-a-problem
    You might also look up the Protection From Harassment Act.

    It's very sad that a simple discussion of Micro investing should have arrived at this quite obscene level of harassment.

    You advise against the posting of personal information and then you go against your own advice and post my personal information. It's debateable that I actually gave my permission for you to post it. What I see is a challenge and not permission. Are you now going to attempt to debate that or are you going to do the right thing and stop the harassment before it's too late?

    btw I have not removed any of my posts. None at all
    Last edited by MSE ForumTeam5; 21-03-2017 at 11:19 AM. Reason: Quoting edited post
    • justme111
    • By justme111 21st Mar 17, 7:27 AM
    • 2,568 Posts
    • 2,442 Thanks
    justme111
    Sheltered accommodation? That explains it.
    Bowl head, I would leave the chap in piece, people have all types of issues. Have a good day
    • bowlhead99
    • By bowlhead99 21st Mar 17, 7:51 AM
    • 6,330 Posts
    • 11,188 Thanks
    bowlhead99
    What you also don't see is that you are now breaking the law on harassment and there is now clear evidence of that. btw I saved your last post and printed it.

    It's very sad that a simple discussion of Micro investing should have arrived at this quite obscene level of harassment.
    Originally posted by Anthorn
    The post that you saved, being one in which

    - I reiterated the reason that I had suggested your personal information about your travel plans be removed from someone's quote (to avoid your lack of concern for your privacy creating real-life issues - advice which is a feature of "stay safe online" campaigns)

    - pointed out that it would be inappropriate to share others' details when not solicited by that person,

    - replied to your specific demand that I post your address by posting only its postcode, rather than the greater level of accuracy that you were encouraging in your request "Lastly, post my home address, I'm waiting".

    The latter was taken from a cursory glance at the Facebook profile which you invited us to take a look at. The profile contains a post from you yesterday saying hello to one of the MSE usernames after you'd invited us to view the profile, so presumably you are happy to engage with forum members through that medium, after you provided the relevant link for us.

    I contend that if you felt harassed and did not want people on this thread to pass comment on the wiseness (or otherwise) of your online behaviour or your financial product choices, you would not be posting that people have low intelligence, nothing of value to contribute, and are spouting 'verbal diarrhea' (the latter being an accusation made by you five times over this thread and its predecessor linked earlier).

    Certainly if you are not looking for any discussion of personal life on a broad discussion forum it would be strange to invite everyone to share their real names, Facebook profiles, share your own and then goad someone into stating your address. I suggest you stop that irrational behaviour. From the book recommendations you made earlier in this thread I can see you are clearly a learned man, you just need to get some online behavioural smarts.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,917Posts Today

7,868Users online

Martin's Twitter