Personal, of course. Annoyingly my expenses can be over £200 a month so I have to factor that out but of course credit card companies don't give a shit about that.
Personal, of course. Annoyingly my expenses can be over £200 a month so I have to factor that out but of course credit card companies don't give a shit about that.
Why are you spending so much every month? And what on?
Soon you won't have to look at price tags anymore.
That's hardly a big spend for a family of three. Literally everything is paid (apart from Direct Debits) on my credit card.Originally Posted by SvN
Actually, I'd say it's ridiculous. What are you spending over 2 grand per month on?
Fuel, shopping, fun etc.
You must be using/having way way too much of one of them.
Magic:
Well minus £200 on expenses, it's £950 a month.
You literally just quoted a post where you said you spent £2,250.
I cannot fathom that at all. Me and my wife spend about £1,200 and we go out for drinks and food about 3-4 times per week. Plus, we don't live in Dundee where everything costs about 40% less.
The 2250 one was two sets of flights, hotels, car tax, servicing and MOT etc.
£1150 is about average for us.
I probably spend between 1000 and 1500 a month on mine, but then I try funnel things through it for the cash back. It gets paid off monthly.
Knew this wage would be a bad one with the changes in Scottish income tax, company car tax and pensions.
I've lost £70 from my monthly wage.
I’m awaiting a similar situation. Last time they increased the tax threshold they changed the way they work Nation Insurance and I lost £30pm, this time they’re putting up pension contributions. You have to respect them really. Ruthlessly unashamed.
Everything else is going up as well, fucking council tax, energy bills, kids classes, everything. Is this the BREXIT I didn't vote for? How much worse is it going to be?
Meanwhile I got a grand back in tax rebates
You’ll only stick it up your nose.
You'd go and spend it on your family like the scum you are. We live in a society of individuals now. I'll use the hours I gain in not sleeping to create an app that speeds up the downfall of human behavior like a true start-up genius.
Say if someone left the country 7 years ago a grand overdrawn (account has since been shutdown unbeknownst to me until a family Christmas cheque bounced and I feigned innocence) and never informed the student loan company where I went after leaving uni.
Say that person wanted to repatriate his finances to the UK in the next couple of years? What would happen? I assume bad things. Do you think I can get away with it if I come back with a big pension fund, a decent deposit and a salary some competitor would give 'someone' an account?
Is there some sort of fixer that I can call to make it all go away?
Suicide.
Pesion becomes property of the state in that case
If your student loan account is still active, they'll just start taking payments off your salary.
Don't people normally try to get money into Switzerland?
Lol at the biggest Lefty around being a massive fraudster.
If either of those points were true wouldn’t that make perfect sense? Eat the rich, take back private capital etc.?
There's a new pyramid scheme from some man who once sent his CV in to Paypal, or something. Invite only too, exciting!
Feel free to join up and get rich quick: https://initiativeq.com/invite/HrzCyusjm
Info here: https://bitcoinexchangeguide.com/initiative-q/
Initiative Q Conclusion
They compare their company to receiving free bitcoin, something too good to be true. As far as I can say, the company is suspicious. I can’t justifiably recommend anyone to invest into Initiative Q without more information on the team, business model, coin, metrics, and company location. If you still want to invest with the company, please do so at your own discretion with caution and carefulness, so as to not be taken advantage of like the millions of other investors who already have been.
I'm a twit
Shut up and take my money.
This is a new currency and payment network built by ex-PayPal guys, called Initiative Q. The Q currency is currently being allocated for free if you are invited by an existing member.
The idea is that if millions of people join, Q could become a leading payment network, and, according to well-known economic models, that means the value of the reward would be around $130,000.
The amount you reserve decreases every day, and each member has a limited number of invites. You can use my invite link here:
https://initiativeq.com/invite/rIouMh3o7
(Don’t worry. No funny stuff. You just need to give your name and email and your spot is reserved).
#freemoney
Why’ve you used someone else’s invite link?
I'm a twit
Cheers Kiko
Is it not his own? Why would he use yours and not his own?Why’ve you used someone else’s invite link?
No. You need an invite to sign up (use mine) and then you get an invite link to circulate to your friends. But I haven't had a notification of him using mine to sign up. (I have to "approve" anyone who signs up using my link, as does Kiko.)
My beef isn't with him posting his link, it's the fact that he didn't use my link to sign up in the first place.
I'm a twit
Maybe he signed up before you.
Isn’t my sign up enough for you Baz?
EDIT: just realised I used Kiko’s by accident. Sorry mate.
Can you confirm me please, Kiko?
Signed up. I like free money.
Kiko.
Confirming.
I signed up elsewhere @Baz
I think we'll be okay anyway.
Summary
Initiative Q appear to be quite sincere, and not crooks.
Their payment network isn’t even a plan yet.
Their economic plan is to do what a central bank does — as a private company, informed by conspiracy theory paranoia rather than experience.
The pyramid-scheme marketing is bad, and creates a toxic dump of personal data.
If you want to sign up for some private company magic beans, hey, why not — but tread carefully.
I wouldn’t invest in this company in a pink fit. Someone probably will, though — the founder has a track record of founding and selling companies.
https://davidgerard.co.uk/blockchain...yramid-scheme/
We're also getting magic beans?
I also joined up
https://initiativeq.com/invite/r4hOx2siQ
It’s been a day and I’m not rich yet so I may have done it wrong?
I can't work out if everyone is trolling or not.
Ok now I can.
Have I missed the boat here or do I still have time to secure my guaranteed wealth?
Next step isn't until "Mid-2019" so plenty of time to register interest.
There are thirteen steps (I've added the 13th in my mind - Enjoy Being Rich) and we're currently on the first one, so get yourself involved before you're left behind: https://initiativeq.com/invite/HrzCyusjm
I'm not sure at which step they'll be asking for money (maybe number four?) but by that point it'll have probably vanished into nothingness anyway, so you've nothing to lose.
I'm a twit
Wrote my car off last week because I'm a twat.
Payout will be £3150 once they take the excess. Everyone seems to be getting new cars these 0% finance deals at the moment. Good idea? Or just buy something outright second hand again?
Second hand every single time.
You mean those leasing deals? They seem alright.
If you're going to just keep going with a new car every few years then it's grand.
Yeah, where you pay a certain amount a month for 4 years or whatever and then at the end either decide to buy the rest of the car or give it back.
No. He means a loan with 0% interest. The issue with that is depreciation. After a few years, you still owe more than the car is worth, especially with those lol 72-80 month loans people are getting nowadays. So if something happens to the car, you will be left without a car but will still carry the debt around.
As for leases, I guess those can be good deals if you are the kind of person who needs to always drive a car that is less than three years old.
EDIT:
Nevermind. You mean a lease then. If you are ok with paying thousands of pounds for a few years and still own nothing, then that is fine. Or, you can put the same money into a car that you actually own.
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