First post

bowlhead99

AnotherJoe wrote: »

I've seen some misleading advice, but that takes the biscuit. Its BLACK you fool, black.

Once she tasted the black, she ain't never comin' back.

Or so I understand from my learned colleagues.

FWIW I had success with the "put it all on red" technique; certainly exceeding the returns from 1% per year bank accounts. Although I didn't spend long enough to get the average return.

Smed

It looks like I am right to be dubious about not posting information about myself. I have read the thread about ""Micro Investing" in this forum and it is packed with attacks against one poster who tried to discuss it and phishing against that poster and the public posting of their personal information. The same people who were doing that are posting in my thread here.

chockydavid1983

This is a very odd thread indeed!
I would suggest only posting if you want some opinions on something or if you have an opinion on what someone else is asking :-).

msallen

If you are as long a forum reader as you say, then you will be fully aware of the history of "that poster" in the Micro Investing thread, but hey if you don't want advice that's fine.

cloud_dog

Hi Smed...your posts are a little unfathomable to be honest.

Your original post ends with....

Smed wrote: »

Still a fair amount of cash to invest.

To invest tends to imply, certainly on these boards, to take an element of risk so as to obtain, hopefully, a higher return than savings (cash account).

For readers of your post, this seemed to be your implied question, or reason for making a post. And, this is why, rightly, posters then advised you that there would need to be more details around your objectives and circumstances to be able to offer opinions. Not unreasonable.

You've pointed out that you have an IFA and an accountant, and you are looking for a discussion on savings (note the change in term used).

I'm not sure if you have misjudged the terminology and that has caused the confusion; savings (cash accounts), investments (stocks, shares, property, etc).

You seem to have become quite defensive, which isn't required here (usually; yes there can be exceptions). I like to think of myself as a seasoned poster (been here a while) and also a knowledgeable investor but, I am still learning things about investments on these boards, and the Pension board has been invaluable for getting my head around terminology and pensions aspects I wouldn't have a hope of understanding otherwise.

Simply state, clearly and definitively what you are wanting to discuss, and we'll go from there.

AnotherJoe

Smed wrote: »

It looks like I am right to be dubious about not posting information about myself. I have read the thread about ""Micro Investing" in this forum and it is packed with attacks against one poster who tried to discuss it and phishing against that poster and the public posting of their personal information. The same people who were doing that are posting in my thread here.

It was that poster who posted their own personal information, and one of the posters you are criticizing who warned them about that and the inadvertent reposting of that by another poster by just using the quote facility in here. You write as if it was done deliberately.

You should also look up the meaning of "phishing" as you are using it wrongly / inappropriately.

Smed

AnotherJoe wrote: »

It was that poster who posted their own personal information, and one of the posters you are criticizing who warned them about that and the inadvertent reposting of that by another poster by just using the quote facility in here. You write as if it was done deliberately.

You should also look up the meaning of "phishing" as you are using it wrongly / inappropriately.

That is not what I read in that thread. But I am not going to argue about it. It is enough to say that I am here to discuss in general terms and I am not going to provide my personal information which is needed to provide me with financial advice.

chockydavid1983

It's not personal information that people need to be able to offer an opinion simply something like
Do you have an emergency fund to cover 3-6 months expenses?
Do you have any big upcoming expenses up and are they budgeted for?
Do you contribute into a workplace pension to get their maximum contribution back?
What are your long term financial aims.
For people to be able to offer an opinion, they at least have to have something to go on :-).

bowlhead99

Smed wrote: »

That is not what I read in that thread. But I am not going to argue about it. It is enough to say that I am here to discuss in general terms and I am not going to provide my personal information which is needed to provide me with financial advice.

There's no point rehashing that other thread of course. Anyone who wants to comment on it can.

Really, my comment above still stands. This is *not* the sort of forum that needs people to give any pre-introduction to themselves on a separate thread or subforum to say "Hi, I'll be posting" before just going ahead and posting on whichever thread they like in the Savings & Investments forum.

If you have a question, answer or comment on an existing thread you were reading, just add to that thread with no intro necessary. If you have a brand new question or train of thought not currently addressed by a recent thread or that would benefit from its own thread, set one up.

If you just set up a thread with nothing to say other than who you are, you can expect people to ask more about who you are because they'll come along and think that's what you are posting about. With several million viewers there is simply no space for a thread that says "hey I'll be posting but don't have anything to post about just yet and don't want to talk about my own financial circumstances". Such a thread is best left to quickly die on the vine.

But in essence that's why you have had people show up and ask about you, because you started talking about yourself albeit briefly and there was nothing else in the thread to react to (other than give you a quick welcome and tell you know how it works here).

AnotherJoe

Smed wrote: »

That is not what I read in that thread. But I am not going to argue about it. It is enough to say that I am here to discuss in general terms and I am not going to provide my personal information which is needed to provide me with financial advice.

You already have and to boot accused other posters here of "phishing" which is essentially a fraudulent criminal activity. Nice.

If you arent going to provide any information at all then your time here is likely to be wasted, as I posted earlier try the "discuss the economy" forum with your own topic if you just want the five minute argument, or if you want the full 30 minutes try the Scottish thanks for all the fish thread.