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Paul last won the day on February 15

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About Paul

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  1. BNT - Do not use - Bunch of cowboys - Please read

    Like a "Deal or No Deal" Judging from their prices, even at half price it will still be overpriced
  2. U.K. Isaac Newton Gold Proof - good buy or no?

    eBay gives you the real-time current demand for this coin https://www.ebay.co.uk/sch/i.html?_from=R40&_trksid=p3692.m570.l1313.TR0.TRC0.H0.X+Isaac+Newton+Gold+Proof.TRS0&_nkw=+Isaac+Newton+Gold+Proof&_sacat=0 link above shows live listing on eBay UK of x7 results price range £865 to £999 ............................................................................................................................................................................... https://www.ebay.co.uk/sch/i.html?_from=R40&_sacat=0&_nkw=Isaac Newton Gold Proof&LH_Complete=1&rt=nc&_trksid=p2045573.m1684 now, on the link above simply by clicking the 'completed items' show the previous sales in the past month from £865 to £1,400 ............................................................................................................................................................................... Not one has sold in the secondary market so far. Had one 'sold', it would be highlighted green Will this change in future ? maybe ? nothing is guaranteed It will always be worth spot. Currently it is worth roughly between spot and the Royal Mint price of £775 Until you can find someone who want it and securing a deal is what it is actually worth ............................................................................................................................................................................... eBay is you 'real' guide as to what something is currently worth as this shows what the market is prepared to pay. But you must ALWAYS remember to take it from the green completed items, these are actual sales. Simply because something is 'listed' one eBay for £999 doesn't mean it is worth £999 It is only worth £999 when someone puts skin in the game and ponies up the cash for it. With so many diverse opinions on here from core bullion stackers, numismatic collectors, flippers, future investment speculators, there is simply no one right or wrong answer. It is opinions.
  3. You give a man a fish and you feed him for a day. You teach him to fish and you give him an occupation that will feed him for a lifetime If you give a life long dole woller a fish, they'll eat for a day. If you give him a fishing rod, they’ll break it up for firewood. Or swap it for a iPhone
  4. This is an excellent point. A life long £10 hr building site labourer or flag stone layer cant expect to work at full capacity past 50 However, continued learning through life, learning new web based skills & technologies, ability to write copy, learning SEO, web site design, coding, logo design, translation services, eCommerce, web research virtual assisting, data science & analytics, writing web content, 3D modelling, consulting, skype conferencing, CAD or any other number of PC/web based skills. These are all skills that you could do use for work. You only need the ability to sit upright, start up a PC and mental faculties to use it before, up to and beyond retirement If part of my retirement is a few eBay listings and walking down the post office to send off x10 parcels and x10oz of silver coins after my daily eBay sales so be it. If i can get a £50 gig from Upwork, Freelancer or Fivvr for being sat at my PC for an hour or twos work at 70 - I'm still going to take it. Facts are facts and numbers cant lie, the current situations of pensions cannot be sustained long term and those with expectation of this juicy pot of pension cash being there are sadly mistaken. Expect the goal posts on pensions to be moved to fund the big invisible money tree, future governments will pick the fruit from My mindset is fully prepared to be just working in some shape or form until i drop. Having the core income of my savings but the skill set to still earn on my owns terms will empower you
  5. Cashless society.

    http://www.telegraph.co.uk/news/2017/10/31/one-five-cash-points-set-close-next-four-years/ Tick Tock Tick Tock - another step towards cashless society plan One in five cash points will disappear from Britain's high streets within four years, according to the ATM industry body. The "catastrophic" fall in ATMs will result from the UK's biggest ATM network imposing drastic cuts to the fees that cash point providers can charge banks when their customers withdraw cash. Link has decided that these fees should be cut by 20 per cent over the next four years, the Daily Telegraph can reveal. It means millions of people, particularly those living in rural areas, could lose the ability to access bank notes and coins on a day-to-day basis, making them more reliant on "cashless" payments like bank cards, smartphones and online transactions. The move will lead to some 10,000 free cash points closing over the period, the chief executive of the ATM Industry Association, Ron Delnevo has warned. He said: "This will be catastrophic for consumers. But cash point providers' revenue will go down to the point where they will struggle to break even, meaning they will be forced to close. It will be worse in rural areas. It's very serious." One provider said the 5 per cent a year reduction in fees would force it to close all its free cash points by the end of the four-year transition period. At present there are around 55,000 free cash points in the UK. On Monday John Howells, Link chief executive, told the Daily Telegraph that he was concerned there were "too many cash points" at a time when fewer people were using coins and notes. This is despite the Bank of England saying that in 2016 the value of notes in circulation increased by 10 per cent with some 2.7 million people relying heavily on cash for daily spending. Previously MPs on the influential Treasury Select Committee had said they were so concerned by a potential loss of cash points that they could launch a formal investigation. Rural areas will be hardest hit with the South West, Scotland, and the South East where 44pc, 40pc and 33pc of cash points are under threat, according to data from the ATM Industry Association. Which? research shows these are regions to have also suffered the most bank branch closures in recent months. Fears are also mounting that the loss of free cash machines will have a disproportionately adverse affect on over 75s as they tend to be less mobile and more reliant on paper money than younger generations
  6. UK Interest Rates

    anyone who is worried when rates move a mere 0.25% have over borrowed.
  7. The Social Credit System is a proposed Chinese government initiative for developing a national reputation system. It has been reported to be intended to assign a "social credit" rating to every citizen based on government data regarding their economic and social status. It works as a mass surveillance tool and uses the big data analysis technology. In addition, it is also meant to rate businesses operating on the Chinese market. The Social Credit System is an example of China’s “top-level design” approach. It is coordinated by the Central Leading Small Group for Comprehensively Deepening Reforms. According to the overall "Planning Outline for the Construction of a Social Credit System (2014-2020)" issued by the State Council The Social Credit System will focus on four areas: "honesty in government affairs", "commercial integrity", "societal integrity", and "judicial credibility" Media coverage has thus far focused mostly on the rating of individual citizens (which falls under "societal integrity"). However, the Chinese government‘s plans go beyond that and also include plans for credit scores for all businesses operating in China. The Chinese government wants the basic structures of the Social Credit System to be in place by 2020. It is unclear whether the system will work as envisioned by then, but the Chinese government has fast-tracked the implementation of the Social Credit System, resulting in the publication of numerous policy documents and plans since the main plan was issued in 2014. If the Social Credit System is implemented as envisioned, it will constitute a new way of controlling both the behavior of individuals and of businesses. As of July 2017, no comprehensive, nation-wide social credit system exists, and very little firm information is available about how this system might work in practice. There are, however, multiple pilots testing the system on a local level as well as in specific sectors of industry. One such program has been implemented in Shanghai through its Honest Shanghai app, which uses facial recognition software to browse government records, and rates users accordingly. Some reports have stated that the ratings may use information gathered from Chinese citizens' online behaviour, but existing scoring systems run by private companies using such data (such as Sesame Credit) are still in an experimental phase. 1 The main plan 2 Social credit for businesses 3 Involvement of private companies 4 Social credit systems in popular culture 5 See also 6 References 7 Further reading The main outline often mentioned in Western news outlet stories, the "State Council Notice concerning Issuance of the Planning Outline for the Construction of a Social Credit System (2014-2020)", was issued by China's State Council on June 14, 2014. Rogier Creemers, a post-doctoral scholar at the Programme for Comparative Media Law and Policy at the University of Oxford, has posted a translation of the document. The goal of the initiative according to the Planning Outline is “raising the awareness for integrity and the level of credibility within society.” The Social Credit System is presented as an important means to perfect the “socialist market economy” as well as strengthening and innovating governance of society This indicates that the Chinese government views it both as an important means to regulate the economy and as a tool of governance to steer the behavior of citizens. Among other things, the Social Credit System is meant to provide an answer to the problem of lack of trust on the Chinese market. Proponents argue that it will help eliminate problems such as food safety issues, cheating, and counterfeit goods. The Social Credit System will be limited to Mainland China and thus does not apply to Hong Kong and Macau. However, at present, plans do not distinguish between Chinese companies and foreign companies operating on the Chinese market, raising the possibility that foreign businesses operating in China will be subjected to the system as well. * Social credit for businesses For businesses, the Social Credit System is meant to serve as a market regulation mechanism. The goal is to establish a self-enforcing regulatory regime fueled by big data in which businesses exercise “self-restraint” The basic idea is that with a functional credit system in place, companies will comply with government policies and regulations to avoid having their scores lowered. As currently envisioned, companies with good credit scores will enjoy benefits such as good credit conditions, lower tax rates, and more investment opportunities. Companies with bad credit scores will potentially face unfavorable conditions for new loans, higher tax rates, investment restrictions, and lower chances to participate in publicly funded projects. Government plans also envision real-time monitoring of a business’s activities. In that case, infractions on the part of a business could result in a lowered score almost instantly. However, whether this will actually happen depends on the future implementation of the system as well as on the availability of technology needed for this kind of monitoring. * Involvement of private companies As of March 2017, 137 commercial credit reporting companies are active on the Chinese market. As part of the development of the Social Credit System, the Chinese government has been monitoring the progress of third-party Chinese credit rating systems. In 2015, eight companies were picked by the People's Bank of China to develop pilots to give citizens credit scores, including Alibaba's Ant Financial Services, which operates Sesame Credit. However, the Chinese government decided not to award new licenses in 2017, citing concerns over conflicts of interest and unwillingness to share data with rival platforms. Private companies have also signed contracts with provincial governments to set up the basic infrastructure for the Social Credit System at the provincial level China the guinea pigs to this, expect it in most developed 1st world countries int he next 20 years, add in with the roll out of cashless society we are already being sleep walked into. Smart phones, smart tech, smart homes, smart cities, smart cars George Orwell could not have dreamed things would get this bad in his vision of 1984.
  8. Silver Deals.....

    https://www.ebay.co.uk/sch/ebooks1st/m.html?_nkw=&_armrs=1&_ipg=&_from= x124 items listed
  9. Silver Deals.....

    they have over 100+ items listed - all PMs
  10. Silver Deals.....

    weird - link works for me anyhow seller is called ebooks1st (100% FB) use the ebay advanced search to look it up
  11. Silver Deals.....

    think this is the link @Sovereign mean - lots of britannias inc some of the rarer years https://www.ebay.co.uk/sch/m.html?_odkw=&_ssn=ebooks1st&nma=true&hash=item440e81731d%3Ag%3AQZgAAOSwOA1Z6nFy&item=292301140765&orig_cvip=true&_osacat=0&si=bsboNCITovZk6KeTYjAA03w%2BuwY%3D&_from=R40&_trksid=p2046732.m570.l1313.TR12.TRC2.A0.H0.Xbritannia.TRS0&_nkw=britannia&_sacat=0
  12. Royal mint silly

    Bullion Vault will be exactly the same for verifying you. If they cannot verify you like Royal Mint they will request proofs It is not them being purposely difficult the company must be compliant to regulations of trading in investment gold as i posted in the .gov.uk link I have answered how you can get around this by getting yourself on the electoral role or paying a tenner at the PO to verify your docs
  13. Royal mint silly

    Well if they can verify you by being on the voters role, you wont have this hoop to jump through or the incur the costs of verification If you plan to stack PMs in big amounts you will incur docs and verification sooner or later Buy over £5000 from any honourable UK bullion dealer in one deal OR over £10k in one calendar year and they will ask for proofs of identify https://www.gov.uk/government/publications/vat-notice-70121-gold/vat-notice-70121-gold