First post

cloud_dog

Anthorn wrote: »

Everyone should care: These are the people who are appearing as experts in the field of finance or at least knowledgeable enough to advise others on finance and even knowledgeable enough to criticise the financial decisions of others to the point of ridicule and personal attack.

I think you are confusing opinion with fact.... starting to get a deja vu feeling

atilla

Anthorn wrote: »

Simple reasoning which anyone can view and then answer the question, "If someone is posting at all hours of the day and night are they at work?"

What a bizarre assumption you've been spouting.

For someone who seems to promote the use of the latest apps and gizmo's, it seems beyond you that others may have ready use of t'interweb.

bowlhead99

Anthorn wrote: »

You don't get out very much do you.

No, too busy working a high paying job to get out and about.

The only way to make your fantasy a reality is to get a job and work for it but you'll need a good job.

Yes, I have one of those. That's why I'm able to get decent credit limits. The reason I have a loan at the moment is due to a high marginal rate of tax after making my normal pension contributions; I wanted to quickly get my hands on some cash to stuff my pension and get 150% tax relief on the amount borrowed and invested.

You must admit, having a relatively high income and a background in financial services is quite consistent with being able to talk confidently about investment structures and and tax planning matters. If I were an unemployed homeless type merely fantasising about what owning an investment might be like, it would be bloody hard work to keep up with the people who know what they're talking about.

Now I'm expected to believe that someone has 8 cards but no idea of the credit limits. Well, ok. This thread gets better and better.

I only know my limits without digging out the numbers as a result of applying for a loan and remortgage (which I discussed on the relevant boards at the time) in the last few months.

When you have enough, the exact amounts are less important; a month's spending isn't going to hit the credit limit and if you know you're somewhere between a year and two years into a 3-year interest free deal it really doesn't require any attention for entire seasons at a time.

veryintrigued

This is better than Coronation St this one.

mollycat

veryintrigued wrote: »

This is better than Coronation St this one.

Bowlhead as the noble Ken Barlow,

Anthorn/Smed as dithering Derek Wilton.

Works for me.

veryintrigued

mollycat wrote: »

Bowlhead as the noble Ken Barlow,

Anthorn/Smed as dithering Derek Wilton.

Works for me.

I can't see Ken spending so long in the Weatherfield Gazette traps as Bowlhead!

bowlhead99

mollycat wrote: »

Bowlhead as the noble Ken Barlow,

Anthorn/Smed as dithering Derek Wilton.

Works for me.

Fun fact, in the mid nineties while a part-time waiter at a Cantonese restaurant in Cheshire, Bill Roache and his family would come in. When serving coffee after the meal, Verity had a Baileys one, despite being well under 18, but hey, you're not going to ask the venerable Ken Barlow exactly how old his teenage daughter is.

Ah, good times.

mollycat

bowlhead99 wrote: »

Fun fact, in the mid nineties while a part-time waiter at a Cantonese restaurant in Cheshire, Bill Roache and his family would come in. When serving coffee after the meal, Verity had a Baileys one, despite being well under 18, but hey, you're not going to ask the venerable Ken Barlow exactly how old his teenage daughter is.

Ah, good times.

I can't top that celebrity story in any way, shape or form.

Respect due!:beer:

AlanP_2

Anthorn wrote: »

Now I'm expected to believe that someone has 8 cards but no idea of the credit limits. Well, ok. This thread gets better and better.

Between my wife and I we probably have about 8 as well, most sitting in a draw and not used, too them out for 0% transfer / spending offers.

I have no idea what the Credit Limit is on any of them, and as I don't intend to spend up to the limit on them, it is irrelevant in our day / day lives.

I do at least know what my salary is, unlike my wife who doesn't know hers - as long as we have enough money she doesn't care as she doesn't measure life against a monetary scale.

Anthorn

bowlhead99 wrote: »

No, too busy working a high paying job to get out and about.


Yes, I have one of those. That's why I'm able to get decent credit limits. The reason I have a loan at the moment is due to a high marginal rate of tax after making my normal pension contributions; I wanted to quickly get my hands on some cash to stuff my pension and get 150% tax relief on the amount borrowed and invested.

You must admit, having a relatively high income and a background in financial services is quite consistent with being able to talk confidently about investment structures and and tax planning matters. If I were an unemployed homeless type merely fantasising about what owning an investment might be like, it would be bloody hard work to keep up with the people who know what they're talking about.


I only know my limits without digging out the numbers as a result of applying for a loan and remortgage (which I discussed on the relevant boards at the time) in the last few months.

When you have enough, the exact amounts are less important; a month's spending isn't going to hit the credit limit and if you know you're somewhere between a year and two years into a 3-year interest free deal it really doesn't require any attention for entire seasons at a time.

So you say you have all that and yet you spend all your time posting on MSE Forums. Well ok, but it doesn't make sense to me.

mollycat wrote: »

Anthorn/Smed as dithering Derek Wilton.

Ok I'll humour you: If I am Smed or conversely Smed is me what is the significance of it?