I do surveys for extra money, I use Mysurvey and Opinion Outpost, when I go to bed at night I put on Youtube interviews and listen to them in the background as I do the surveys. Both pay paypal and half an hour every night usually gives me a tenner at least from each one sometimes more over a week. Occasionally you get free stuff as well to try out and give your views on, Last month I got a box of free dog food, a multipack of some new Mini Cheddar biscuit (that was actually really nice) and some new Haribo sweets.
I use the Paypal payment to get an ounce of silver or offset the cost of some slabbed or semi numismatic silver every week or every couple of weeks. I do Valued Opinions as well but they don't pay in Paypal so I take Amazon vouchers and I buy razor blades etc from them and the money I would have spent goes towards silver. I've looked at the yearly activity for all 3 and it's around £400 for my half hour a night.
My girlfriend picked up the kew gardens 50p at work from the till, and she couldn't swap it because she had no 50ps in her pocket. Lost out ong a good £50 there. I always take a 50p to work with me now
Here are some I have used with no issues with
Yeah I am around north-east / Newcastle area.
Not that am looking to sell anything currently though.
A few good stops in Newcastle are
Newcastle Jewellery Company Pilgrim Street, they have a decent gold buy back rate, but sadly no longer 98% of spot as they did in past
Corbitts Mosley Street
Intercoin on Clayton Street
& Owens Jewellers on Byker High Street
I'm reading the Alpha Strategy recommended by @KDave , The book gives you excellent options where to invest next and perhaps not have considered.
Have you delved through these posts?
This one is also excellent to dive into.
i would say BItcoin is one of the highest risks there is, if you’re looking at it solely as an investment.
It’s unsecured and risky, but this is what makes it a potential rocket. Long term i would say it’s near impossible to predict. It got near to $1000 a bit, but then Silk Road closed and the market for it crashed, but it’s looking healthy again at over $565 as of now. But i would find out why its risen so quickly, is there another silk road type website? if so the foundation of the currency will be attached to that, and would be a huge risk with the US government aiming at it.
Part of the problem with an investment like this is you can’t see the whole picture, and most likely never will no matter how much you look into it. The fact the currency is perfect for anonymity, makes it difficult to judge its worth, as i have no doubt the vast majority of movement of the bits are for items that are illegal. Which IMO makes it one of the highest risks.
Great stuff, you're a real philosopher Paul.
"If you can steal free time from the hands of indentured time, life will have more of the “right time” versus the “wrong time."
My favourite sentence, I try to live this way as much as I can.
“Time isn’t a commodity, something you pass around like a cake. Time is the substance of life. When anyone asks you to give your time, they’re really asking for a chunk of your life”.
~ Antoinette Bosco.
You will find the majority of people value their time at zero.
Most don't ever think about it
Most think It’s free. Like the air we breathe, they’re convinced that time is abundant and in endless supply. They live as if they were immortal. They are certain that time, the fuel of their life, never runs empty.
Take a look around. How do strangers, friends, family, and peers value their time?
Are they standing in line to save £5 for a shirt in the Next sale ?
Are they driving 30 minutes to save £10?
Are they parked on the sofa anxiously waiting to see who wins X-Factor?
The average UK person watches more than four hours of TV each day.
In a 65-year life, that person will have spent nine years glued to the tube.
Simple. Life sucks. Life needs an escape. Life is no good.
Show me someone who spends hours online playing CandyCrush or Farmville, and I’ll show you someone who probably isn’t very successful.
When life is crap, escapes are sought.
You shouldn't need television because you invested your time into a real life worth living, not a fictitious escape that airs every Tuesday night at 8 p.m.
Again, majority thinking yields mediocrity, and for that majority, time is an asset that is undervalued and mindlessly squandered.
People standing in queues to save money ought to hold a picket sign announcing to the world,
“I value money more than my life.” That choice is a primal mistake.
A great example to time’s reigning dominance over money comes from the 1997 movie, Titanic.
As the ship sinks and few lifeboats remain, Caleden Hockley, a wealthy steel industrialist played by Billy Zane, bargains for his life with a ship’s officer and offers cash in exchange for a lifeboat seat. The officer rebukes the tycoon’s proposition with a certainty:
“Your money can’t save you anymore than it can save me.”
Reflect on that for a moment. Your money can’t save you any more than it can save me.
Powerful. In those eight seconds, the true value of time is exposed and we intersect with the certainty to our own ticking death-clock.
You see that once your time is gone, you’re dead.
When your clock ceases to tick, no amount of cash will save you from the end.
Time is the greatest asset you own, not money, not the 1969 restored Mustang, not grandpa’s old coin collection. Time.
The fact is all of us are on a sinking ship.
Is your time treated as such? Is it treated fairly or carelessly?
Or is your primordial fuel squandered as if the tank will never run empty?
YOU WERE BORN RICH AND WILL DIE BROKE
Time is the great equalizer.
You were born with a full tank of petrol.
There are no petrol stations, and your one fill-up occurred the moment you took your first breath. Time can’t be created outside of your mortal limits.
Sure, we might be able to stretch a 76-year lifespan to 82 with good health and diet, but within mortality, time is transformed from infinite to finite.
The greatest theft of all humanity is to act as if our time on this Earth is infinite when it isn’t.
Yet when it comes to money, we treat it scarcely when it is actually richly abundant. While that might seem backward, it isn’t because our time is fixed.
The reality is that time is deathly scarce, while money is richly abundant.
On any given day, $3 trillion is exchanged in the world currency markets.
It is not hard to earn yourself a six figure income if you have invested your time right on the right things, whether its self employment, writing a book, getting better education, self betterment, expansion, learning. GOOD use of time will reward you back ten-fold
You can always acquire more money, but you cannot defy mortality.
The irony of financial fortune is that no matter how much you have, you’ll die flat broke.
You cannot escape the continual combustion of time as your tank drips time every second. You can live in blissful happiness or in a miserable depression—time is indifferent and it just bleeds away.
There are two types of time that will make up your lifespan:
Your free time and your indentured time.
Your Lifespan = Free Time + Indentured Time
“Free time” is yours to spend as you please:
reading, cooking a new meal, a jog in the park, a walk in nature, sleeping, eating, holidays.
If you’re like most, your free time is lumped on evenings and weekends, where time is not exchanged for money.
“Indentured time” is the opposite:
It’s the total time spent earning money and the consequences of that spent time.
When you awake in the morning, shower, dress, drive to the train station, wait, ride to work, and then work for eight hours—this is indentured time.
When you spend your entire weekend “recharging” from the work-week, this is indentured time. Indentured time is actual work and the work you must do for the work. Morning rituals, traffic, compiling reports at home, solitary “recharges”—whatever time spent earning a buck is indentured time.
If you won the lottery, you’d quit your job because indentured time is no longer required and is suddenly replaced with free time.
Money buys free time and eliminates indentured time.
However, the irony of your free time is it isn’t FREE
It’s bought and paid for by your indentured time.
You enjoy a two-week holiday because it was paid for by a year of indentured time.
Relax with a cold beer on the sofa because you paid for it earlier in the day with eight hours of indentured time.
Indentured time becomes the ransom of your free time.
THE RIGHT TIME VERSUS THE WRONG TIME
There’s the right time and the wrong time.
The right time is free time; indentured time is the wrong time.
Most people ransom time - time at the job and time invested in the markets.
Remember, five indentured days for two free days is a bad trade!
A financial plan with time as the adjudicator is not a good financial plan.
If you were born into slavery, your life would be 100% indentured time with 0% free time.
While total time can’t be manipulated, we can manipulate our time ratio.
Wouldn’t it be nice to have one day of indentured time and six days of free time?
If you can steal free time from the hands of indentured time, life will have more of the “right time” versus the “wrong time.
”DUMP THE JUNK”! If you follow motor racing, you know that every ounce of weight counts.
Racers remove everything none-essential to make the car as light as possible.
This increases efficiency, speed, and performance, resulting in faster finishes.
Unnecessary weight forces the car to work harder.
Yet on our road trip of life, we’re guilty of forever adding weight.
Your life vehicle is burdened with 'junk-in-the-trunk' that coerces you to work harder
When you work harder long enough, it wears you out and breaks you down.
Then there is debilitating weight is parasitic debt.
Parasitic debt is everything you owe the world.
It is the excrement of Lifestyle servitude.
Your shiny new 80” LED flat-screen financed at 60 monthly payments
Your overly big, home mortgage financed over 30 years
Your fancy designer clothes four months removed from out-of-fashion
That insidious furniture that seemed like such a good idea at the time.
All of this crap creates servitude and forces indentured time.
When you’re 'forced' to work, you limit choice
Parasitic debt is a counterweight to your road trip; it’s a bloodsucker that steals free time, energy, freedom, and health—all foes to true wealth.
PARASITIC DEBT DEVOURS FREE TIME
The leading cause of indentured time is parasitic debt.
You’ll have heard the phrase” thief of hearts.”
When it comes to parasitic debt, it is the “thief of lives.”
Parasitic debt is a gluttonous pig that gorges on free time and shits it out as indentured time. Parasitic debt is the mother of indentured time. Any debt that forces you to work plunders from free time and shifts it to indentured time.
Parasitic debt is expensed by your free time. Debt needs a constant drip of blood, and that blood comes from your petrol tank of life: Time. And since time is fixed, an increase in indentured time comes from only one source: your free time.
THE COST OF PARASITIC DEBT
The average UK citizen owes more than they are worth. Last year it was around £29,000 owed per adult citizen
Having a lifestyle built on credit creates lifestyle servitude in the form of indentured time because total time is finite, indentured time grows by pilfering from free time.
The next time you buy some fancy gadget on credit, know exactly what you are buying.
You’re buying parasitic debt that eats free time and excretes it into indentured time.
For example, if you buy a mega high end audio system that costs £4,000 and you make £10 per hour, what’s the real price?
That price is 400 hours of your free time, since you must work 400 hours X £10 per hour to repay the debt.
Add 10% interest and your final cost stacks up to 440 hours of your free time added to your weight burden.
So next time you whip out the Visa or sign on the dotted line, calculate the real cost.
How much free time is this going to cost me?
Everything we buy hasn't one cost, but two:
1.The actual physical cash ££ cost
2.The free time transformed into indentured time.
When I first moved out on my own, I quickly learned the Law of Chocolate Chip Cookies:
If the cookies don’t get into the grocery trolley, they don’t get home, if they don’t get home, they don’t get in my mouth, if they don’t get in my mouth, they don’t transform into a belly fat.
Parasitic debt follows the same law.
Control parasitic debt by controlling its source: instant gratification, a trait of the majority and NOT the minority
The next time you feel compelled to buy some trinket at Debenhams, ask yourself:
Will this be obsolete in six months and land in the garage with the rest of the junk?
In six months, will this stupid tribal T-shirt be relegated to that dusty side of the wardrobe reserved for painting smocks?
Again, when you purchase the next greatest fashion fad without truly being able to afford it, you open the floodgates to parasitic debt that flows you downstream
If the cost of that product doesn't make it to your credit card, it doesn't become parasitic.
You become a protector of free time! Think! Will this purchase TAKE MY FREEDOM? Will I own this or will it own me?
While some choose servitude behind iron bars, others choose servitude behind call centre desks or laying bricks daily. Both are one in the same.
The ultimate wealth is having the free time to live how you want to live.
A POOR VALUATION OF “FREE TIME” LEADS TO POORNESS
Rich or poor, time is equally possessed, shared, and consumed by all.
Every day, you use it. I use it. Your neighbour uses it. No one gets more and no one gets less. No one escapes it.
Twenty-four hours for everybody. And guess what?
You don’t get 25 hours. You don’t get 21. No one has an unfair advantage.
You, me, we all have 24 hours to consume, expire, and spend.
Time is the ultimate equalizer.
Then why do so few get rich while the rest wallow from payday to pay day?
The distinction lies in the valuation of free time, your life choices and the acquisition of parasitic debt.
Guess the behaviours
This person sleeps until noon.
This person watches hours of reality TV
This person drives two hours to save £10
This person spends hours surfing social networks and gossip blogs
This person is a Level 10 - Druid in World of Warcraft
Behind the tangled roots of poorness, you will find a poor valuation of free time, which breeds from bad choices.
“Time losers” are poor evaluators of time.
These are the people camped out at Asda at 4 a.m. waiting to grab the early bird sales Polaroid defunkt 40” big screen TV.
These are the people waiting outside Krispie Kreme for their free launch doughnuts that is awful for your body
If these people had three months to live, would they be outside the boxing day Next sale in a sleeping bag waiting?
Six months? Six years?
At what threshold will these people pack up their sleeping bag on the pavement and say,
“What the hell am I doing sleeping outside of a clothes store ? Is this a smart use of my life?”
A better person will exalt time as their primary consideration in decision-making because it’s our most valued asset. Be frugal with your time, be frugal with money
I wonder, have I wasted my 'time' by posting this ?
Buy-it-nows are fine to post here but it may be best to hold off posting any lots which are auction only.
An auction will likely mean we are bidding against each other if posted here and will no longer be a deal.