Just...................whatever

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Post by azriel Sat May 21, 2022 4:43 pm

Just...................whatever - Page 32 Sculpt10

Sculpture Park in Wicklow, Ireland

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Just...................whatever - Page 32 Th_cat%20blink_zpsesmrb2cl

Just...................whatever - Page 32 Jean-b11
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Post by chris63 Sun May 22, 2022 4:55 am

Creepy.

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Post by azriel Sun May 22, 2022 10:20 pm

https://www.boredpanda.com/fear-of-water-thalassophobia/?utm_source=facebook&utm_medium=social&utm_campaign=BPFacebook&fbclid=IwAR0iHz4rge6yb0DNnSI04RDDwYmdGjVdFzEsGY3-fvxzme7s7ga4R56_whQ

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"All we have to decide is what to do with the time that is given to us. It's the job that's never started as takes longest to finish.”
"There are far, far, better things ahead than any we can leave behind"
If you always do what you have always done, you will always get what you always got

Just...................whatever - Page 32 Th_cat%20blink_zpsesmrb2cl

Just...................whatever - Page 32 Jean-b11
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Post by halfwise Mon May 23, 2022 12:07 am

Most of those make me more interested in going the water.

Not the black lined pools. Or the killer stream.

I don't understand how some of those wave pictures were taken: look like they were about to wipe everyone out in about 90 seconds.

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Post by azriel Thu May 26, 2022 8:51 am

Just...................whatever - Page 32 Pepper10

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"There are far, far, better things ahead than any we can leave behind"
If you always do what you have always done, you will always get what you always got

Just...................whatever - Page 32 Th_cat%20blink_zpsesmrb2cl

Just...................whatever - Page 32 Jean-b11
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Post by Mrs Figg Thu May 26, 2022 10:28 am

affraid
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Post by azriel Fri May 27, 2022 10:02 pm

Just...................whatever - Page 32 Monkey10

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"There are far, far, better things ahead than any we can leave behind"
If you always do what you have always done, you will always get what you always got

Just...................whatever - Page 32 Th_cat%20blink_zpsesmrb2cl

Just...................whatever - Page 32 Jean-b11
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Post by Mrs Figg Sat May 28, 2022 7:31 pm

Does anyone know anything about government bonds? are they a safe investment scratch I know zilch about such things.
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Post by halfwise Tue May 31, 2022 3:59 am

That's a Lance question.

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Post by Lancebloke Tue May 31, 2022 10:43 am

Not really a Lance question as that is not the area of finance I am hugely familiar with.

For any kind of investment I would always suggest doing a good load of research from a variety of different sources before getting involved.

The long and short of any investment is you could at best keep the original amount and at worst lose it all. The higher the risk the higher the reward so it depends on what your intentions are.

Do you have spare money that you can take a risk with and want to make loads? Or do you want something that will grow modestly over a long period of time with little likelihood you will lose anything? Do you have any debts that would save more money paying off than any investment would make you over the same term?

Either way, I am not qualified to offer any advice so I would suggest answering those questions yourself to be clear on what you want to achieve and then doing a chunk of research to see what suits best.
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Post by Mrs Figg Tue May 31, 2022 2:05 pm

Thanks Lance. No I don't have any debts, I paid them off two years ago. I am looking for a zero risk investment with very modest returns, that's why I thought there might be government bonds, but obviously not UK government bonds as I don't want to get involved with the Tory shitshow. I just want to have something a bit better than your bog standard savings account. I know a person who had taken risks and lost £5000 in one sitting, and that is horrible. I think you need to really know your stuff and work in that environment to know what risks to take, a novice would get burnt. Don't want that. But I would like to know how these things work. My brother has ISAs whatever those are.


Last edited by Mrs Figg on Tue May 31, 2022 2:07 pm; edited 1 time in total
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Post by halfwise Tue May 31, 2022 2:06 pm

One of the marks of an expert is a knowledge of lack of knowledge in a given area. You probably still know more about government bonds than the rest of us, and know enough to be circumspect.

We'd all happily give advice we heard from Aunt Susy....

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Post by Lancebloke Tue May 31, 2022 2:34 pm

Figgy - an ISA is zero risk. The worst that can happen is you still have the money you did at the start. They are basically tax free savings accounts with a higher interest rate than regular savings.

Only problem right now is interest rates generally are very low so you won't make much... really needs to be a long term investment with the view that rates will increase over time and give you more over time.

Other option is premium bonds. Again, you can't lose the money and a reasonable chance of winning.

From a quick look at how government bonds work, they also seem relatively low risk if you are buying them from a government that isn't likely to default on its debts! So UK gilts would probably be good but, again, low risk means low reward.

Not sure if that helps.
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Post by Mrs Figg Tue May 31, 2022 4:34 pm

It helps a lot, thanks. I know nothing, as Jon Snow found out. Very Happy btw what are gilts?
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Post by Lancebloke Tue May 31, 2022 5:02 pm

Gilts are UK government bonds.
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Post by Mrs Figg Tue May 31, 2022 6:45 pm

ok thanks Thumbs Up
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Post by halfwise Thu Jun 02, 2022 6:15 pm

You know how you don't like spraying DEET products on your skin to keep away midges and mosquitos?  Folks coming from Florida (mosquito haven) discovered that sesame oil does wonders.  Neutrogena makes a sesame body oil (don't buy the fragrance free) that can be ordered online, or I suppose you could mix up your own with fragrance free baby oil and light sesame oil for cooking.  Just need enough sesame so you can smell it but not overpowering.

We had clouds of biting gnats similar to midges, spread a few drops around and the cloud disappeared!  needs to be reapplied more than DEET and probably don't want to put on clothes, but as a skin treatment it's magical and worry free.

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Post by Mrs Figg Thu Jun 02, 2022 8:27 pm

I use citronella, a child's formula which smells nicely of geranium. I dont think it has deet in it.
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Post by Forest Shepherd Thu Jun 02, 2022 9:15 pm

Blech, I wouldn't want to smell like sesame oil though.

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Post by halfwise Thu Jun 02, 2022 9:32 pm

It's diluted so pretty light.

Citronella is used in tiki torches, didn't think of trying it on my skin.

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Post by Mrs Figg Fri Jun 03, 2022 12:36 pm

I wouldn't try using it neat on your skin, its probably better to buy a specific commercial product for the skin.
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Post by Lancebloke Sat Jun 04, 2022 5:48 pm

On track to star in Top Gun 3.   USA

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Post by halfwise Sat Jun 04, 2022 6:30 pm

The hair fits the spitfire image. Looked like a low flight - isn't that a bit nerve-wracking?

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Post by Lancebloke Sat Jun 04, 2022 6:40 pm

Circuits (take off, go around and land) are 1000 feet. I have done plenty of them already so was all good.
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Post by Mrs Figg Sat Jun 04, 2022 8:41 pm

Cool thats cool.
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