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StackerNoob

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Reputation Activity

  1. Thanks
    StackerNoob reacted to MancunianStacker in UK pensions   
    Hi guys, 
    I’m a Diploma qualified financial adviser and all of the great tax relief is “true” but it all boils down to the Govt in charge at any one time.
    I did a YouTube Video probably 3 years ago about Hungary. It was in January I think. Anyway, the mainstream media didn’t report it, only Euronews on Sky! 
    So, in Hungary they bailed-in everyone’s Private pension schemes because there was a state pension crisis and the Govt was struggling to pay State pensions.
    This article is a little out of date but most governments are “at it” -  https://www.rosaltmann.com/Polishpensionconfiscation22Feb2014docx/
    Hungary did it again years later!
    The UK government could pull this stroke at any time! 
    I’m enrolled in my company pension an have done so in the past but property and gold are my main retirement investments. It’s harder to confiscate but still not impossible I suppose.
    There is a good reason I’m not advising on Pensions and Investments anymore guys. I only help people save money on mortgages and protect their familie nowadays, I can’t continue the B.S!!!  
    I’ve woken up. Companies are over valued and bonds are too. The whole system is a Ponzi scheme. It’s debt based and we need to have assets outside in case things go belly up!
    So I’m not saying don’t have a pension or an ISA etc but know it’s all traceable and could be nationalised without notice. If they did it to you what would / could you do???? If Corbyn gets in power I can see this happening in the first 4 years.
    By the way, I’ve been taking and re-taking Chartered Insurance Institute exams since 1999 and at no point do they mention gold and real money. I feel I was professionally brainwashed by the financial institutions behind the CII. These are the financial advisers telling you about the tax relief on pensions. If it sounds too good to be true it usually is!!!!
    The fact that all central banks hold gold, it proves its value and at the  best of the day it’s how a currency is valued no matter what they tell you. Look at Venezuela looking to put some gold behind their currency again to stabilise it. 
    Mark Twain said something like. You should be more concerned about the return OF your capital rather than the return ON your capital. 
    Paper investments are exactly that. It looks good on paper.
  2. Like
    StackerNoob got a reaction from BackyardBullion in Taking the plunge   
    Havent read the post came straight to comment, but I'm gonna take a wild swing here and say you were brought here by BYB on Youtube....
    Knew it! Haha @BackyardBullionyou deserve stacks in commission dude, you've literally recruited half the membership!
     
    @PeakEdgewelcome to the forum mate!
  3. Like
    StackerNoob reacted to PansPurse in Ebay 15% off   
    Picked up a 1/10 Krug at v close to spot. Not a big purchase but happy
  4. Like
    StackerNoob reacted to ST1986 in Ebay 15% off   
    Thanks for the heads up bud, got a 1kg Umicore Bar from Bullion by Post for £412 Delivered
  5. Haha
    StackerNoob reacted to airmac in Payday   
    You could try that then for an extra income? 😁
  6. Haha
    StackerNoob reacted to Blockhead in Payday   
    People would pay me to keep my clothes on
  7. Like
    StackerNoob got a reaction from PansPurse in Payday   
    An excellent topic and one which we all have our own methods.
    I have a fairly inflexible budgetting technique. On payday its all hand on deck. I allocate money to my savings, investments and ISAs first, and pay of my credit card balance. Then I send my portion of the rent to the other half. Then I pay the bills and she sends me half the money. By this point, roughly 50% of my money is gone already.
    Next thing is to look ahead and see what expensive activities I have coming up i.e trips away, weddings, nights out, gift buying etc. I try to pay these things off in advance but if not, I just keep a mental note for now.
    Now we get into shiny territory. It is only at this point that I will start window shopping and filling my e-basket. The exact amount I have to spend varies quite wildly, could be £50, could be £500 (sometimes its zero too).
    I have to balance this number with what I think I will need to exist over the next month (food, travel, leisure, a shot on the puggie). I usually leave a couple of hundred quid buffer for small emergencies though. By the end of the month, in most cases, I will not have used my buffer and this goes into the pot for next month. Rinse, repeat.
    So in summary:
    1) Savings
    2) Investments
    3) Debt
    4) Rent
    5) Bills
    6) Large expenses
    7) Shiny!
    8 ) Exisiting
     
     
  8. Thanks
    StackerNoob reacted to Mark10110 in What are your typical silver purchase volumes or sizes?   
    Get what you are comfortable with, You don't want to be buying to the point you are asking "am i spending too much". Silver stacking is a marathon and not a sprint. @StackerNoob has a couple of good videos on this.
  9. Like
    StackerNoob got a reaction from GrahamDiamond in Queen's Beasts (Gold & Silver) Photo Thread   
  10. Sad
    StackerNoob got a reaction from kugelblitz in Silver Mein Kampf book at auction.   
    Ignore the content for a moment, that thing looks absolutely sick! An amazing adornment to any desk Im sure!
     
    Remember, you shouldnt be offended by history. You should learn from it. This book is the embodiment of a fanatical, angry and deranged man. Let it be a lesson on how someone could be driven to commit such attrocities and how we can stop them occuring in the future.
  11. Haha
    StackerNoob reacted to Bagenz in PM's in freefall??   
    Are we talking about the table?
  12. Haha
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    That is definitely code for:
    "OH GOD PLEASE STOP SENDING ME YOUR GROUP ORDERS MY HEAD IS GOING TO EXPLODE AND DESPITE WHAT I HAVE CLAIMED THERE IS NO WAY MY TABLE CAN HANDLE ANYMORE. ALSO MY HOUSE SUFFERS FROM SUBSIDENCE AND THE EXTRA WEIGHT MAY WELL SINK ME".
     
    Or maybe you are being genuine. My way is more fun though 😛
  13. Like
    StackerNoob reacted to Roy in PM's in freefall??   
    Spend some time researching,
    Look back through the sales posts on here. You'e a Gold Member, enjoy it!
    Silver is £370/kg my friend.
    I can't rip you off. 
  14. Haha
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    That is definitely code for:
    "OH GOD PLEASE STOP SENDING ME YOUR GROUP ORDERS MY HEAD IS GOING TO EXPLODE AND DESPITE WHAT I HAVE CLAIMED THERE IS NO WAY MY TABLE CAN HANDLE ANYMORE. ALSO MY HOUSE SUFFERS FROM SUBSIDENCE AND THE EXTRA WEIGHT MAY WELL SINK ME".
     
    Or maybe you are being genuine. My way is more fun though 😛
  15. Haha
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    That is definitely code for:
    "OH GOD PLEASE STOP SENDING ME YOUR GROUP ORDERS MY HEAD IS GOING TO EXPLODE AND DESPITE WHAT I HAVE CLAIMED THERE IS NO WAY MY TABLE CAN HANDLE ANYMORE. ALSO MY HOUSE SUFFERS FROM SUBSIDENCE AND THE EXTRA WEIGHT MAY WELL SINK ME".
     
    Or maybe you are being genuine. My way is more fun though 😛
  16. Haha
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    That is definitely code for:
    "OH GOD PLEASE STOP SENDING ME YOUR GROUP ORDERS MY HEAD IS GOING TO EXPLODE AND DESPITE WHAT I HAVE CLAIMED THERE IS NO WAY MY TABLE CAN HANDLE ANYMORE. ALSO MY HOUSE SUFFERS FROM SUBSIDENCE AND THE EXTRA WEIGHT MAY WELL SINK ME".
     
    Or maybe you are being genuine. My way is more fun though 😛
  17. Haha
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    That is definitely code for:
    "OH GOD PLEASE STOP SENDING ME YOUR GROUP ORDERS MY HEAD IS GOING TO EXPLODE AND DESPITE WHAT I HAVE CLAIMED THERE IS NO WAY MY TABLE CAN HANDLE ANYMORE. ALSO MY HOUSE SUFFERS FROM SUBSIDENCE AND THE EXTRA WEIGHT MAY WELL SINK ME".
     
    Or maybe you are being genuine. My way is more fun though 😛
  18. Like
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    I was happy to stop at 15 oz for this order, however.....
  19. Like
    StackerNoob got a reaction from PansPurse in PM's in freefall??   
    I was happy to stop at 15 oz for this order, however.....
  20. Like
  21. Like
    StackerNoob got a reaction from PansPurse in Payday   
    An excellent topic and one which we all have our own methods.
    I have a fairly inflexible budgetting technique. On payday its all hand on deck. I allocate money to my savings, investments and ISAs first, and pay of my credit card balance. Then I send my portion of the rent to the other half. Then I pay the bills and she sends me half the money. By this point, roughly 50% of my money is gone already.
    Next thing is to look ahead and see what expensive activities I have coming up i.e trips away, weddings, nights out, gift buying etc. I try to pay these things off in advance but if not, I just keep a mental note for now.
    Now we get into shiny territory. It is only at this point that I will start window shopping and filling my e-basket. The exact amount I have to spend varies quite wildly, could be £50, could be £500 (sometimes its zero too).
    I have to balance this number with what I think I will need to exist over the next month (food, travel, leisure, a shot on the puggie). I usually leave a couple of hundred quid buffer for small emergencies though. By the end of the month, in most cases, I will not have used my buffer and this goes into the pot for next month. Rinse, repeat.
    So in summary:
    1) Savings
    2) Investments
    3) Debt
    4) Rent
    5) Bills
    6) Large expenses
    7) Shiny!
    8 ) Exisiting
     
     
  22. Like
    StackerNoob reacted to onlyroadtoheaven in Payday   
    Absolutely. I put my order through on Goldsilver.be as soon as the money hits my account. Whatever is left is my living expenses for the month. Pay yourself first as the Richest Man in Babylon said.
  23. Haha
    StackerNoob got a reaction from Mark10110 in Does Goldsilver.be or Europeanmint have any coupons to lower their shipping?   
    Love how you refer to BYB, probably the most respected member of the forum, as "that guy". Lol
     
    Also you can get insured delivery if you choose, its all there in that thread.
  24. Haha
    StackerNoob reacted to Thelonerangershorse in Girlfriend's Austrian gold coins   
    Should we be concerned you're dating a 12 year old?
  25. Like
    StackerNoob got a reaction from Mark10110 in The Attraction to Silver Unboxing videos   
    Alcohol + laptop + boredom + obsession with silver = Many purchases that future Stacker Noob has to deal with 😞