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    Originally posted by Goodluck2me View Post

    Ah, that’s because you’ve only seen the text, you couldn’t hate anyone with our accent?!
    I have met you in person.

    Then there's Daniel to consider. And Jim McDaid. And Dana.

    You've a lot to answer for really
    "We are not Europeans. Those people on the continent are freaks."

    Comment


      Aha, my Ooni, which I had pretty much completely forgotten about after ordering in November, is now about to ship.

      What other shit do I need to purchase in order to make myself a pizza master?
      A peel and a yoke for turning, is my dim recollection. Anything else essential.
      "We are not Europeans. Those people on the continent are freaks."

      Comment


        Have a weekly Thursday training call with an Indian at 4pm (he's the trainer, me the trainee). Don't enjoy it as he enthusiastically goes on for hours.
        Assumed it'd be cancelled this week as he's cricket mad. This test being potentially over by tea on Day2 is killing me.

        Comment


          Originally posted by Lao Lao View Post
          DeadParrot - I presume you will be the 1st person online for this one

          THE IRISH TIMES
          Dear XXXXX,

          Join us on Thursday, March 11th at 7.30pm for an exclusive interview with nutritionist, model and TanOrganic Brand Ambassador Rosanna Davison.

          Sit down and put your feet up as Irish Times columnist Jen Hogan chats to the new mum of three for an open and honest conversation on family, the challenge of balance in life, pregnancy, keeping fit during pregnancy, nutritional foods to eat, tips on coping with pregnancy in a pandemic, self-care & life as a new parent.

          Each attendee will receive a voucher redeemable on online orders from TanOrganic and, on the night, we’ll give away a TanOrganic hamper to one lucky attendee. Each attendee will get a €5.00 voucher redeemable on TanOrganic.

          Best wishes,
          The Irish Times

          * TanOrganic voucher not valid on minis or tanning accessories
          ** No refunds.


          WTF is that all about
          That's hilarious
          People say I should be more humble I hope they understand, they don't listen when you mumble
          Get a shiny metal Revolut card! And a free tenner!
          https://revolut.com/referral/jamesb8!G10D21

          Comment


            Originally posted by Hitchhiker's Guide To... View Post
            Would anyone have subscription access to the Indo?

            I need a scrape of this article, but doesn't seem worth the €60 annual sub


            https://www.independent.ie/life/buy-...-40097315.html
            SPOILER

            Buy now, pain later? The rise of easy credit for online shoppers

            Scrolling through Instagram and see something you like but can't afford right now? With just a few clicks you can have it - and a loan to pay for it too. Deferred payment is nothing new, and it offers genuine benefits for buyers and businesses alike. However, its increasing prevalence for online shoppers is raising questions about dispersed debt and the risks of encouraging younger generations to use credit


            CEO of Huuum, previously known as Flexi-fi, PJ Byrne
            Regina Lavelle

            February 21 2021 02:30 AM

            Buy now, pay later… four easy instalments… why wait? Consumer credit isn't new. For years we've been able to split the cost of big ticket items - sofas, TVs, cars. Recently, however, you're just as likely to be offered this option when buying a €99 dress as a €999 holiday. In-store and online, instalment repayment is no longer only for one-off big ticket items or luxury occasion wear, it's for trainers, headphones, make-up, skincare (marketed as 'self-care'); sorted in seconds, and, for some, there's no credit check.

            This isn't your outlet furniture store or frumpy catalogue brand, either - it's being used for aspirational homewares and electronics and the fashion juggernauts that have captured the young adult market. These fashion brands, in particular, have masterminded the online shopping experience; initially web only, and now also on social media, where slick user journeys allow viewers to buy straight from the post. Combined with a credit provider, customers can have those strappy mules with just a few clicks, and pay months down the line. 'Buy now, pay later' has joined the mainstream.

            Deferred payment is obviously not a new phenomenon, but the game-changer here is that the line of credit is no longer provided by the retailer. Instead, retailers sign up to a 'buy now, pay later' (BNPL) service, which sits on their website and is often offered as a payment option at the checkout. Shoppers can then use the finance product to buy purchases and stagger the repayment. If the value is under €500, there is no hard credit check. Registration only requires some personal details.

            "It's your usual website, you've got your email there. All I have to do is click on the picture in the email and I can get into it straight away and it's done," explains RTÉ presenter, » » financial advisor and author of How To Be Good With Money, Eoin McGee.
            Financial adviser and author of How To Be Good With Money, Eoin McGee
            "There are no barriers there. We have to remember that there are marketing departments all over the world that are spending millions and millions to convince us to take money out of our pocket and put it into theirs. And if they can sell you a dress with a loan attached to it, they've got a double whammy on it."

            However, these payment services weren't designed to be predatory. "They are there to solve a problem," explains Michael Dowling, DCU Professor of Finance, specialising in fintech and personal finance.

            "They're huge in China, for example, where there are few credit cards, because most people don't have credit histories etc. So they came up with this new form of financing and now it's popular all around the world.

            "This is handy. It's at the point of purchase. It's easy. There's less work. And I'm not trying to fully defend the product but I think it's a better form of financing because it forces you to repay, whereas the credit card's model is about encouraging you to just let the debt go forever.

            "If you buy an e-scooter for €400, you'll have it paid over the next four months. If you buy it on a credit card, you could still be paying for it in 2030, when we're all on hoverboards."

            So who are the companies facilitating this payment revolution? Klarna, the Swedish company, is probably the best known BNPL provider in the UK market. Though it doesn't yet operate in Ireland, the name is so ubiquitous online - for Instagram users in particular - that it is becoming a verb. It has been hashtagged almost 100,000 times on Instagram, has over 10 million UK customers and services around 5,000 UK retailers. Other players in the sector include Clearpay and Laybuy.

            In Ireland, humm (previously known as Flexi-fi) offers BNPL. It is a subsidiary of hummgroup, listed on the Australian Securities Exchange, and serves 73,000 businesses worldwide - 1,000 of them Irish. CEO PJ Byrne told Life that despite a "challenging 12-month period", the company's customer base was up 136pc on 2019. Retail partners were also up 63pc, and transaction volumes up 57pc.

            "Our digital products helped many of our partners to enhance their online cart sales and helped keep their businesses trading successfully. As a consequence, this resulted in demand for our 'buy now, pay later' offering," Byrne says.

            For sums of between €80 (the smallest amount humm finances) and less than €499, there is no interest charged. To sign up, users have to provide proof of identity, be over 18, earn a minimum of €1,000 per month and provide documentation to support their suitability. The application is then considered by humm's credit and risk team. For sums of greater than €500, humm says there are further checks.

            It turns out €500 is not an arbitrary number. "If it's under €500, you don't have to register it as a loan, and companies don't," explains Professor Dowling. "So it's unregulated. That's because for a lot of people - not everybody - it's not too significant. So the central banks choose not to regulate it. I think the first port of call [for non-payment] is, if it's not too much, they just ban you from their service."

            Over €500, a Central Bank spokesperson explains, there is some official oversight.

            "The Central Credit Register (CCR) stores personal and credit information on loans of €500 or more. Since 30, June 2017, lenders - including banks, credit unions, and any other lender that provides consumer loans for €500 or more - have submitted personal and credit information on those loans to the CCR on a monthly basis," the spokesperson says.

            There can be little doubt that BNPL can be hugely beneficial to businesses.

            Primarily, such services make money by charging retailers a percentage of the purchase, generally in the five to six per cent range. The cost to the retailer is claimed to be offset by increased purchases - there have been claims that purchases can increase by up to 40pc. At a time when Covid-19 has virtually paralysed retail, it's little wonder that adoption has increased.

            This is no accident, either - humm says part of its Covid-19 response was to "move fast to ensure retail partners had e-commerce functionality compatible with our technology... thereby ensuring disruption was minimised."

            Among the pandemic purchases being made through the system were "athleisure wear, gym equipment, technology items, homewares and desks for working from home". The company also noted that there had been a notable increase in finance for garden offices.

            The benefits were also felt by retailers that had already adopted the payment systems. Among humm's Irish retail partners is McElhinneys of Donegal. The department store told Life that it had adopted humm two years ago to keep pace with its UK competitors. This year, humm sales increased 900pc year-on-year. The store attributes the increase to the ability to stagger online payments helping customers, (they operate a pay-in scheme of six to eight weeks), especially at a time when many are struggling financially. McElhinneys report that people are mostly using this option for homewares and luxury brands.

            The payment model fits well with many different consumer offerings, Professor Dowling cites the example of dentists offering BNPL. "I've seen a fair few offering [humm]. That would be quite useful because it costs a lot to have your teeth fixed and you really need your teeth fixed. Similarly, if you're buying a laptop, not many people have a spare grand in their bank account."

            But the sector has not been without controversy. In the UK, where BNPL products are marketed heavily on the millennial and Gen-Z honeypots like Asos, Boohoo and NastyGal, there have been allegations made that the sector as a whole is insufficiently regulated, lacks transparency and uses questionable marketing techniques. In December, the UK's Advertising Standards Authority (ASA) ruled to ban an influencer campaign which ran in April and May and urged shoppers to "boost their mood". Influencers had boasted of lockdown splurges on skincare and clothes using Klarna. Klarna denied the posts were irresponsible and said the key theme was "taking care of one's self during the Covid-19 lockdown period".

            The ASA said: "We acknowledge that purchasing non-essential items was likely to be a source of comfort for some people during the national lockdown. However, each ad promoted the use of Klarna's deferred payments services."

            "We concluded that in the context of the challenging circumstances caused by the lockdown at the time, including impacts on people's financial and mental health, the ads irresponsibly encouraged the use of credit to improve people's mood," the agency added.
            Home & Property


            Get the best home, property and gardening stories straight to your inbox every Saturday.

            Sign Up





            In June 2020, financial campaigner Alice Tapper launched #regulateBuyNowPayLater in the UK. The issue has been debated in the House of Commons and the subject is currently under review.

            "I run a financial news and personal finance website, mainly based on Instagram, and a big part of that is people sharing their financial stories. It's about 80pc women," Tapper says. "About a year-and-a-half ago, the topic of 'buy now, pay later' kept coming up. People fell into one of two camps: either they had racked up sizeable debt, or they would fall into the category where something had gone wrong on a customer service/operational issue basis. Maybe a return hadn't been acknowledged or they had used the payment product accidentally, because it was the default payment option. Or they had been the victim of some kind of fraud when someone used their email address and got into debt.

            "I started doing a bit more research into it. It transpired that the reason this was able to happen was because of a lack of regulation. To get specific, the [UK] Consumer Credit Act sets out that if a financial product carries no interest and it's repaid over a short period of time, it doesn't have to be regulated," explains Tapper.

            "It's pretty much the case that you can click on a picture of a top you like on Instagram and then, probably within three clicks, maybe less, you can be signed up to a financial product."

            In addition to working with the Labour MP Stella Creasy on a » » cross-partner amendment to the Financial Services Bill, Tapper has herself submitted evidence to the UK's Financial Conduct Authority Woolard Review which is examining regulation in the unsecured credit market. It is due to report back shortly. Among those sitting on the advisory panel are representatives from debt organisations amid concerns that BNPL products are contributing to household debt.

            The Financial Services Bill had its third reading in the House of Commons last month. UK Labour MP Yvonne Fovargue told the House that she had "looked into the business model for one company and found that 25pc of its income is predicated on late fees and people being unable to pay on time". She added that despite the highest rate of growth being in the over-40 market, "younger customers represent the majority of those missing payments".

            Figures released in December by the UK debt advice agency Financial Wellness Group said that 42pc of new customers in 2020 had BNPL and online shopping debts, up from 28pc in 2019. The issue was not the sums themselves, but the dispersed nature of the loans - the average amount was £250, but some had up to 10 different loans. It is this spectre of individuals accumulating distributed pools of debt - albeit relatively shallow ones - that is a cause of concern.

            "I'll be honest, I've used some of these 'buy now pay later' products myself," says Daragh Cassidy, Head of Communications at Irish financial comparison site bonkers.ie. "But sometimes people can be a bit 'out of sight, out of mind'. Because when you have a credit card, the debt can be quite visible - you get your letter or your statements every month, or if you get a loan, it's there every time you log in. That's not necessarily a bad thing, because it helps you keep on top of your debt and you know what you owe. If you're not seeing it all the time, you can end up building debt without realising.

            "And while no one really loves to open up their credit card statement every month and see that there's a grand that still needs to be paid off, at least it visualises it for you. It says, 'Hang on, Daragh, you're down a grand, do you really need to be buying more stuff?' So there's a case that these products might encourage people to get credit a little bit too easily. You don't want to have to jump hoops to get things and sometimes people need short-term access to credit. It's just we shouldn't be making getting into debt too easy."

            But, if you pay on time, and given most people do - humm says its level of defaults remain "remarkably low" which it attributes to a rigorous checking process - what does it matter? Is what we're witnessing a mere evolution of finance, a slick application of technology? Perhaps, but there is a question of the consequences of encouraging younger people to use a credit product.

            "Anecdotally, those people who take on debt very, very young tend to get very, very used to it," says Cassidy. "Whereas people who don't will be very, very frugal and learn to live within their means. That's not to say there's anything wrong with debt, or someone has failed. Modern society, even capitalism, pretty much works on debt and being able to take on debt.

            "The key thing is to always make sure you pay everything back on time and you don't take on too much so that you don't get a bad credit rating. As you get older, you need to start worrying about health insurance; if you have kids, you need to start worrying about educational costs, and if you want a house, you need to get a mortgage. So as you head into your late 20s, and your 30s, that almost unavoidable debt is only going to increase."

            This year, draft legislation with a "broad regulatory scope" proposing to tighten authorisation of hire purchase, PCP and other credit arrangements will be presented to the Oireachtas, and it looks as though BNPL agreements will be in its remit.

            A spokesperson for the Department of Finance told Life that the "draft legislation will provide any entity involved in the business of directly or indirectly providing credit, hire purchase or consumer hire… will fall within the scope of the authorisation and regulatory remit of the Central Bank".

            That's all very well. But what if, like many of us, you've succumbed to lockdown boredom and now perhaps there are a couple of unnecessary purchases, and attendant bills, that need to be dealt with?

            Eoin McGee has some advice. "Go up to your wardrobe and see what has labels on and check if there is actually a problem. If you have clothes that are still in the returns period, send them back and get a refund. If you can't, sell them on Depop or wherever, and when you get the money in, clear off whatever loan you've accumulated. Then make a commitment to yourself to say, 'I'm not doing that again. The next time I'm buying something, I'm going to buy it with my money, not with their money.'" l

            cheapskate
            People say I should be more humble I hope they understand, they don't listen when you mumble
            Get a shiny metal Revolut card! And a free tenner!
            https://revolut.com/referral/jamesb8!G10D21

            Comment


              Originally posted by DeadParrot View Post

              SPOILER

              Buy now, pain later? The rise of easy credit for online shoppers

              Scrolling through Instagram and see something you like but can't afford right now? With just a few clicks you can have it - and a loan to pay for it too. Deferred payment is nothing new, and it offers genuine benefits for buyers and businesses alike. However, its increasing prevalence for online shoppers is raising questions about dispersed debt and the risks of encouraging younger generations to use credit


              CEO of Huuum, previously known as Flexi-fi, PJ Byrne
              Regina Lavelle

              February 21 2021 02:30 AM

              Buy now, pay later… four easy instalments… why wait? Consumer credit isn't new. For years we've been able to split the cost of big ticket items - sofas, TVs, cars. Recently, however, you're just as likely to be offered this option when buying a €99 dress as a €999 holiday. In-store and online, instalment repayment is no longer only for one-off big ticket items or luxury occasion wear, it's for trainers, headphones, make-up, skincare (marketed as 'self-care'); sorted in seconds, and, for some, there's no credit check.

              This isn't your outlet furniture store or frumpy catalogue brand, either - it's being used for aspirational homewares and electronics and the fashion juggernauts that have captured the young adult market. These fashion brands, in particular, have masterminded the online shopping experience; initially web only, and now also on social media, where slick user journeys allow viewers to buy straight from the post. Combined with a credit provider, customers can have those strappy mules with just a few clicks, and pay months down the line. 'Buy now, pay later' has joined the mainstream.

              Deferred payment is obviously not a new phenomenon, but the game-changer here is that the line of credit is no longer provided by the retailer. Instead, retailers sign up to a 'buy now, pay later' (BNPL) service, which sits on their website and is often offered as a payment option at the checkout. Shoppers can then use the finance product to buy purchases and stagger the repayment. If the value is under €500, there is no hard credit check. Registration only requires some personal details.

              "It's your usual website, you've got your email there. All I have to do is click on the picture in the email and I can get into it straight away and it's done," explains RTÉ presenter, » » financial advisor and author of How To Be Good With Money, Eoin McGee.
              Financial adviser and author of How To Be Good With Money, Eoin McGee
              "There are no barriers there. We have to remember that there are marketing departments all over the world that are spending millions and millions to convince us to take money out of our pocket and put it into theirs. And if they can sell you a dress with a loan attached to it, they've got a double whammy on it."

              However, these payment services weren't designed to be predatory. "They are there to solve a problem," explains Michael Dowling, DCU Professor of Finance, specialising in fintech and personal finance.

              "They're huge in China, for example, where there are few credit cards, because most people don't have credit histories etc. So they came up with this new form of financing and now it's popular all around the world.

              "This is handy. It's at the point of purchase. It's easy. There's less work. And I'm not trying to fully defend the product but I think it's a better form of financing because it forces you to repay, whereas the credit card's model is about encouraging you to just let the debt go forever.

              "If you buy an e-scooter for €400, you'll have it paid over the next four months. If you buy it on a credit card, you could still be paying for it in 2030, when we're all on hoverboards."

              So who are the companies facilitating this payment revolution? Klarna, the Swedish company, is probably the best known BNPL provider in the UK market. Though it doesn't yet operate in Ireland, the name is so ubiquitous online - for Instagram users in particular - that it is becoming a verb. It has been hashtagged almost 100,000 times on Instagram, has over 10 million UK customers and services around 5,000 UK retailers. Other players in the sector include Clearpay and Laybuy.

              In Ireland, humm (previously known as Flexi-fi) offers BNPL. It is a subsidiary of hummgroup, listed on the Australian Securities Exchange, and serves 73,000 businesses worldwide - 1,000 of them Irish. CEO PJ Byrne told Life that despite a "challenging 12-month period", the company's customer base was up 136pc on 2019. Retail partners were also up 63pc, and transaction volumes up 57pc.

              "Our digital products helped many of our partners to enhance their online cart sales and helped keep their businesses trading successfully. As a consequence, this resulted in demand for our 'buy now, pay later' offering," Byrne says.

              For sums of between €80 (the smallest amount humm finances) and less than €499, there is no interest charged. To sign up, users have to provide proof of identity, be over 18, earn a minimum of €1,000 per month and provide documentation to support their suitability. The application is then considered by humm's credit and risk team. For sums of greater than €500, humm says there are further checks.

              It turns out €500 is not an arbitrary number. "If it's under €500, you don't have to register it as a loan, and companies don't," explains Professor Dowling. "So it's unregulated. That's because for a lot of people - not everybody - it's not too significant. So the central banks choose not to regulate it. I think the first port of call [for non-payment] is, if it's not too much, they just ban you from their service."

              Over €500, a Central Bank spokesperson explains, there is some official oversight.

              "The Central Credit Register (CCR) stores personal and credit information on loans of €500 or more. Since 30, June 2017, lenders - including banks, credit unions, and any other lender that provides consumer loans for €500 or more - have submitted personal and credit information on those loans to the CCR on a monthly basis," the spokesperson says.

              There can be little doubt that BNPL can be hugely beneficial to businesses.

              Primarily, such services make money by charging retailers a percentage of the purchase, generally in the five to six per cent range. The cost to the retailer is claimed to be offset by increased purchases - there have been claims that purchases can increase by up to 40pc. At a time when Covid-19 has virtually paralysed retail, it's little wonder that adoption has increased.

              This is no accident, either - humm says part of its Covid-19 response was to "move fast to ensure retail partners had e-commerce functionality compatible with our technology... thereby ensuring disruption was minimised."

              Among the pandemic purchases being made through the system were "athleisure wear, gym equipment, technology items, homewares and desks for working from home". The company also noted that there had been a notable increase in finance for garden offices.

              The benefits were also felt by retailers that had already adopted the payment systems. Among humm's Irish retail partners is McElhinneys of Donegal. The department store told Life that it had adopted humm two years ago to keep pace with its UK competitors. This year, humm sales increased 900pc year-on-year. The store attributes the increase to the ability to stagger online payments helping customers, (they operate a pay-in scheme of six to eight weeks), especially at a time when many are struggling financially. McElhinneys report that people are mostly using this option for homewares and luxury brands.

              The payment model fits well with many different consumer offerings, Professor Dowling cites the example of dentists offering BNPL. "I've seen a fair few offering [humm]. That would be quite useful because it costs a lot to have your teeth fixed and you really need your teeth fixed. Similarly, if you're buying a laptop, not many people have a spare grand in their bank account."

              But the sector has not been without controversy. In the UK, where BNPL products are marketed heavily on the millennial and Gen-Z honeypots like Asos, Boohoo and NastyGal, there have been allegations made that the sector as a whole is insufficiently regulated, lacks transparency and uses questionable marketing techniques. In December, the UK's Advertising Standards Authority (ASA) ruled to ban an influencer campaign which ran in April and May and urged shoppers to "boost their mood". Influencers had boasted of lockdown splurges on skincare and clothes using Klarna. Klarna denied the posts were irresponsible and said the key theme was "taking care of one's self during the Covid-19 lockdown period".

              The ASA said: "We acknowledge that purchasing non-essential items was likely to be a source of comfort for some people during the national lockdown. However, each ad promoted the use of Klarna's deferred payments services."

              "We concluded that in the context of the challenging circumstances caused by the lockdown at the time, including impacts on people's financial and mental health, the ads irresponsibly encouraged the use of credit to improve people's mood," the agency added.
              Home & Property


              Get the best home, property and gardening stories straight to your inbox every Saturday.

              Sign Up





              In June 2020, financial campaigner Alice Tapper launched #regulateBuyNowPayLater in the UK. The issue has been debated in the House of Commons and the subject is currently under review.

              "I run a financial news and personal finance website, mainly based on Instagram, and a big part of that is people sharing their financial stories. It's about 80pc women," Tapper says. "About a year-and-a-half ago, the topic of 'buy now, pay later' kept coming up. People fell into one of two camps: either they had racked up sizeable debt, or they would fall into the category where something had gone wrong on a customer service/operational issue basis. Maybe a return hadn't been acknowledged or they had used the payment product accidentally, because it was the default payment option. Or they had been the victim of some kind of fraud when someone used their email address and got into debt.

              "I started doing a bit more research into it. It transpired that the reason this was able to happen was because of a lack of regulation. To get specific, the [UK] Consumer Credit Act sets out that if a financial product carries no interest and it's repaid over a short period of time, it doesn't have to be regulated," explains Tapper.

              "It's pretty much the case that you can click on a picture of a top you like on Instagram and then, probably within three clicks, maybe less, you can be signed up to a financial product."

              In addition to working with the Labour MP Stella Creasy on a » » cross-partner amendment to the Financial Services Bill, Tapper has herself submitted evidence to the UK's Financial Conduct Authority Woolard Review which is examining regulation in the unsecured credit market. It is due to report back shortly. Among those sitting on the advisory panel are representatives from debt organisations amid concerns that BNPL products are contributing to household debt.

              The Financial Services Bill had its third reading in the House of Commons last month. UK Labour MP Yvonne Fovargue told the House that she had "looked into the business model for one company and found that 25pc of its income is predicated on late fees and people being unable to pay on time". She added that despite the highest rate of growth being in the over-40 market, "younger customers represent the majority of those missing payments".

              Figures released in December by the UK debt advice agency Financial Wellness Group said that 42pc of new customers in 2020 had BNPL and online shopping debts, up from 28pc in 2019. The issue was not the sums themselves, but the dispersed nature of the loans - the average amount was £250, but some had up to 10 different loans. It is this spectre of individuals accumulating distributed pools of debt - albeit relatively shallow ones - that is a cause of concern.

              "I'll be honest, I've used some of these 'buy now pay later' products myself," says Daragh Cassidy, Head of Communications at Irish financial comparison site bonkers.ie. "But sometimes people can be a bit 'out of sight, out of mind'. Because when you have a credit card, the debt can be quite visible - you get your letter or your statements every month, or if you get a loan, it's there every time you log in. That's not necessarily a bad thing, because it helps you keep on top of your debt and you know what you owe. If you're not seeing it all the time, you can end up building debt without realising.

              "And while no one really loves to open up their credit card statement every month and see that there's a grand that still needs to be paid off, at least it visualises it for you. It says, 'Hang on, Daragh, you're down a grand, do you really need to be buying more stuff?' So there's a case that these products might encourage people to get credit a little bit too easily. You don't want to have to jump hoops to get things and sometimes people need short-term access to credit. It's just we shouldn't be making getting into debt too easy."

              But, if you pay on time, and given most people do - humm says its level of defaults remain "remarkably low" which it attributes to a rigorous checking process - what does it matter? Is what we're witnessing a mere evolution of finance, a slick application of technology? Perhaps, but there is a question of the consequences of encouraging younger people to use a credit product.

              "Anecdotally, those people who take on debt very, very young tend to get very, very used to it," says Cassidy. "Whereas people who don't will be very, very frugal and learn to live within their means. That's not to say there's anything wrong with debt, or someone has failed. Modern society, even capitalism, pretty much works on debt and being able to take on debt.

              "The key thing is to always make sure you pay everything back on time and you don't take on too much so that you don't get a bad credit rating. As you get older, you need to start worrying about health insurance; if you have kids, you need to start worrying about educational costs, and if you want a house, you need to get a mortgage. So as you head into your late 20s, and your 30s, that almost unavoidable debt is only going to increase."

              This year, draft legislation with a "broad regulatory scope" proposing to tighten authorisation of hire purchase, PCP and other credit arrangements will be presented to the Oireachtas, and it looks as though BNPL agreements will be in its remit.

              A spokesperson for the Department of Finance told Life that the "draft legislation will provide any entity involved in the business of directly or indirectly providing credit, hire purchase or consumer hire… will fall within the scope of the authorisation and regulatory remit of the Central Bank".

              That's all very well. But what if, like many of us, you've succumbed to lockdown boredom and now perhaps there are a couple of unnecessary purchases, and attendant bills, that need to be dealt with?

              Eoin McGee has some advice. "Go up to your wardrobe and see what has labels on and check if there is actually a problem. If you have clothes that are still in the returns period, send them back and get a refund. If you can't, sell them on Depop or wherever, and when you get the money in, clear off whatever loan you've accumulated. Then make a commitment to yourself to say, 'I'm not doing that again. The next time I'm buying something, I'm going to buy it with my money, not with their money.'" l

              cheapskate
              Thank you! Weirdly the uni had no subscription to the paper. I think my points are the best, but need to work on my quotes. They don't sound great even if they make sense.
              "We're not f*cking Burundi" - Big Phil

              Comment


                Originally posted by Hitchhiker's Guide To... View Post

                Thank you! Weirdly the uni had no subscription to the paper. I think my points are the best, but need to work on my quotes. They don't sound great even if they make sense.
                Ya witty hoor: "If you buy an e-scooter for €400, you'll have it paid over the next four months. If you buy it on a credit card, you could still be paying for it in 2030, when we're all on hoverboards."

                Comment


                  I gave a great quote yesterday for an article in the Indo this coming Saturday, on how we'll live post-pandemic. Not sure if it'll make the final cut, but it was on the economy and I said "governments have spent generations investing all their capital stock in commuting, we now need to start investing in community". Or something along those lines, I remember it being smarter than it reads in that written sentence.
                  "We're not f*cking Burundi" - Big Phil

                  Comment


                    Originally posted by Goodluck2me View Post
                    I think if you ban outside travel it’s the right approach so you can open up your economy, then don’t open international travel until everyone is double dosed?
                    I just do not buy the idea that we can shut down international travel.

                    Even if you put aside the herd of oversized elephants in the room that are the border what are you going to do about normal exceptional travel?
                    For instance are all truck drivers to spend two weeks in a hotel for each journey or do we switch overnight to 100% container traffic? How about other exceptional but semi essential travel in and out of the country, births deaths and marriages, essential skills and urgent engineering, professional sport etc. ? If you do close the country down completely what are the criteria for opening it up again?

                    No matter how you look at it we are not NZ and we simply cannot act as if we are as self contained as them.
                    Turning millions into thousands

                    Comment


                      Originally posted by ArmaniJeans View Post
                      Have a weekly Thursday training call with an Indian at 4pm (he's the trainer, me the trainee). Don't enjoy it as he enthusiastically goes on for hours.
                      Assumed it'd be cancelled this week as he's cricket mad. This test being potentially over by tea on Day2 is killing me.
                      He'll be a happy man for sure. But a happy training man. He'll be so happy he'll probably go on for hours.
                      "We are not Europeans. Those people on the continent are freaks."

                      Comment


                        Originally posted by Raoul Duke III View Post
                        Aha, my Ooni, which I had pretty much completely forgotten about after ordering in November, is now about to ship.

                        What other shit do I need to purchase in order to make myself a pizza master?
                        A peel and a yoke for turning, is my dim recollection. Anything else essential.
                        00 flour they have good stuff at €1 a bag in tesco and top quality ingredients (will be ordering some fresh salami soon and will drop some off when I can seeing as how I missed you at Christmas).
                        Look out for Sheridan's selling off the good mozzarella and buratta's cheap as they often do as they approach sell by date... they are perfect for weeks afterwards as long as they stay sealed
                        Mutti pizza sauce or just their chopped tomatoes are actually plenty good enough for most occasions, keeping the sauce simple is better than making an elaborate sauce IMO.
                        Overall the KISS approach is best - fewer better ingredients.

                        I still enjoy the zen of kneading but I am also thinking of buying a Stand mixer, there is a 1000W Kenwood one for 299 but I'm stuck trying to decide if I should go to 419 for the kenwood chef which is the same spec but I can add attachments to and get more use out of.
                        Turning millions into thousands

                        Comment


                          Originally posted by Strewelpeter View Post

                          I just do not buy the idea that we can shut down international travel.

                          Even if you put aside the herd of oversized elephants in the room that are the border what are you going to do about normal exceptional travel?
                          For instance are all truck drivers to spend two weeks in a hotel for each journey or do we switch overnight to 100% container traffic? How about other exceptional but semi essential travel in and out of the country, births deaths and marriages, essential skills and urgent engineering, professional sport etc. ? If you do close the country down completely what are the criteria for opening it up again?

                          No matter how you look at it we are not NZ and we simply cannot act as if we are as self contained as them.
                          The bolded part is a hard no. Simply not possible.

                          Comment


                            I see Gamestonk is at it again. Will it be as fun this time around?

                            Originally posted by Strewelpeter View Post

                            00 flour they have good stuff at €1 a bag in tesco and top quality ingredients (will be ordering some fresh salami soon and will drop some off when I can seeing as how I missed you at Christmas).
                            Look out for Sheridan's selling off the good mozzarella and buratta's cheap as they often do as they approach sell by date... they are perfect for weeks afterwards as long as they stay sealed
                            Mutti pizza sauce or just their chopped tomatoes are actually plenty good enough for most occasions, keeping the sauce simple is better than making an elaborate sauce IMO.
                            Overall the KISS approach is best fewer better ingredients

                            I still enjoy the zen of kneading but I am also thinking of buying a Stand mixer, there is a 1000W Kenwood one for 299 but I'm stuck trying to decide if I should go to 419 for the kenwood chef which is the same spec but I can add attachments to and get more use out of.
                            Good tomatoes are super ultra mega important. San Marzano tomatoes have virtually no acidity and are the gold standard for Neapolitan style pizzas. Next time you see the cans in Dunnes/Tesco just fill your boots. They don't need much seasoning or prep at all. A can would easily do 8x 10 inch pizzas.

                            Comment


                              Originally posted by DeadParrot View Post



                              WTF is that all about
                              That's hilarious
                              Maybe I'm confusing you with somebody else but in my head, you always had an irrational hatred for her, no?

                              Comment


                                I would not thank you for a Pizza . Much like the Godfather, it insists upon itself. I would especially not thank you for a goodfellows Pizza . I have had pizza in various parts of Italy , I find its popularity as a food to be overated in the extreme
                                My wife buys me pizza as a treat and I sigh heavily. I think its retribution for closing my ears when she talks shop .
                                As for noodles..fk you noodles.

                                Comment


                                  Originally posted by coillcam View Post
                                  I see Gamestonk is at it again. Will it be as fun this time around?



                                  Good tomatoes are super ultra mega important. San Marzano tomatoes have virtually no acidity and are the gold standard for Neapolitan style pizzas. Next time you see the cans in Dunnes/Tesco just fill your boots. They don't need much seasoning or prep at all. A can would easily do 8x 10 inch pizzas.
                                  we tend to use the cirio passata rustica with a generous dose of oregano, and it's delish

                                  Comment


                                    Originally posted by Lao Lao View Post

                                    Maybe I'm confusing you with somebody else but in my head, you always had an irrational hatred for her, no?
                                    Likely someone else.
                                    My hatred is a hard earned thing. Youd have to do much worse than be a De Burgh offspring selling fake tan to deserve it.
                                    People say I should be more humble I hope they understand, they don't listen when you mumble
                                    Get a shiny metal Revolut card! And a free tenner!
                                    https://revolut.com/referral/jamesb8!G10D21

                                    Comment


                                      Originally posted by DeadParrot View Post

                                      Likely someone else.
                                      My hatred is a hard earned thing. Youd have to do much worse than be a De Burgh offspring selling fake tan to deserve it.
                                      isn't she the one who cheated at the marathon (or a charity 10km) also, and just popped out of a house, all made up looking fresh, with 1km to go?

                                      Comment


                                        Originally posted by shrapnel View Post

                                        isn't she the one who cheated at the marathon (or a charity 10km) also, and just popped out of a house, all made up looking fresh, with 1km to go?
                                        Ha no way ? Legend . A real life wacky races .

                                        Comment


                                          Originally posted by shrapnel View Post

                                          isn't she the one who cheated at the marathon (or a charity 10km) also, and just popped out of a house, all made up looking fresh, with 1km to go?
                                          Solid play tbf
                                          "We are not Europeans. Those people on the continent are freaks."

                                          Comment


                                            Today is international Toast day. (True story bro)

                                            I dedicate it to Donald . They got his taxes .

                                            Comment


                                              Originally posted by Solksjaer! View Post

                                              Ha no way ? Legend . A real life wacky races .
                                              https://www.independent.ie/woman/cel...-26862053.html

                                              Comment


                                                I laughed at 'pulling a fast one '

                                                Comment


                                                  Originally posted by coillcam View Post
                                                  Good tomatoes are super ultra mega important. San Marzano tomatoes have virtually no acidity and are the gold standard for Neapolitan style pizzas. Next time you see the cans in Dunnes/Tesco just fill your boots. They don't need much seasoning or prep at all. A can would easily do 8x 10 inch pizzas.
                                                  San Marzano, you say... they don't look much now but come back to me in August

                                                  Actually grew a couple of plants of them last year and they were only moderately successful not great croppers and a bit on the dry side but I'm sure it was a mixture of poor weather and worse husbandry, hopefully will do better with them this time.


                                                  8xDLDQ7.jpg

                                                  Turning millions into thousands

                                                  Comment


                                                    What are good fresh tomatoes to buy here? I can eat them like an apple in Spain but can't stand the ones I buy in Ireland.

                                                    Comment


                                                      I see Joe Biden has decided to destroy women’s sport in the U.S
                                                      “PSV was right all along” -Hitch 20 May 2019

                                                      Comment


                                                        Originally posted by PSV58 View Post
                                                        I see Joe Biden has decided to destroy women’s sport in the U.S
                                                        I recall the conversation here at the time around Caster Semenya's ruling.

                                                        A couple of us mentioned that the ruling clearly had an eye on how transgender athletes would be included in the future.

                                                        It will be interesting because something will occur where a transgender athlete wins something at the Olympic level by a huge margin

                                                        Comment


                                                          Originally posted by Tar.Aldarion View Post
                                                          What are good fresh tomatoes to buy here? I can eat them like an apple in Spain but can't stand the ones I buy in Ireland.
                                                          You got to wait until July for the really good stuff to start appearing.
                                                          Turning millions into thousands

                                                          Comment


                                                            Originally posted by PSV58 View Post
                                                            I see Joe Biden has decided to destroy women’s sport in the U.S
                                                            Decent progress from the last lad who wanted to destroy women.
                                                            Turning millions into thousands

                                                            Comment


                                                              Originally posted by Murdrum View Post

                                                              I recall the conversation here at the time around Caster Semenya's ruling.

                                                              A couple of us mentioned that the ruling clearly had an eye on how transgender athletes would be included in the future.

                                                              It will be interesting because something will occur where a transgender athlete wins something at the Olympic level by a huge margin
                                                              Boxing ring!
                                                              PMA

                                                              Comment


                                                                I see some female athletes are coming out against Biden on this

                                                                Their point of recourse is to campaign for the end of Women's sport and everyone to play on the same field
                                                                PMA

                                                                Comment


                                                                  Originally posted by shrapnel View Post

                                                                  isn't she the one who cheated at the marathon (or a charity 10km) also, and just popped out of a house, all made up looking fresh, with 1km to go?
                                                                  That was for the Women's Mini-Marathon.
                                                                  Some publicist wore her number at the start so that she would register as starting.
                                                                  Rosanna took umbrage at being called out for claiming a time most club athletes would aspire to.

                                                                  Comment


                                                                    Obligatory South Park clip... Simpsons who?
                                                                     
                                                                    PMA

                                                                    Comment


                                                                      Originally posted by Murdrum View Post

                                                                      I recall the conversation here at the time around Caster Semenya's ruling.

                                                                      A couple of us mentioned that the ruling clearly had an eye on how transgender athletes would be included in the future.

                                                                      It will be interesting because something will occur where a transgender athlete wins something at the Olympic level by a huge margin
                                                                      I wish I could pick lotto numbers like social / political hot topics

                                                                      https://www.irishpokerboards.com/for...85#post1519585
                                                                      Last edited by DeadParrot; 25-02-21, 20:37.
                                                                      People say I should be more humble I hope they understand, they don't listen when you mumble
                                                                      Get a shiny metal Revolut card! And a free tenner!
                                                                      https://revolut.com/referral/jamesb8!G10D21

                                                                      Comment


                                                                        Originally posted by Tar.Aldarion View Post
                                                                        What are good fresh tomatoes to buy here? I can eat them like an apple in Spain but can't stand the ones I buy in Ireland.
                                                                        There's something wrong with the state of Irish tomatoes. Like they're obviously not importing the right ones. And there's barely any (what are known as, but not grown in) Crimean tomatoes which is strange as they are the king of tomatoes. I think maybe also known as beef tomatoes?
                                                                        "We're not f*cking Burundi" - Big Phil

                                                                        Comment


                                                                          Payoff to the South Park bit above is kinda required

                                                                           
                                                                          PMA

                                                                          Comment


                                                                            Originally posted by Strewelpeter View Post

                                                                            00 flour they have good stuff at €1 a bag in tesco and top quality ingredients (will be ordering some fresh salami soon and will drop some off when I can seeing as how I missed you at Christmas).
                                                                            Look out for Sheridan's selling off the good mozzarella and buratta's cheap as they often do as they approach sell by date... they are perfect for weeks afterwards as long as they stay sealed
                                                                            Mutti pizza sauce or just their chopped tomatoes are actually plenty good enough for most occasions, keeping the sauce simple is better than making an elaborate sauce IMO.
                                                                            Overall the KISS approach is best - fewer better ingredients.

                                                                            I still enjoy the zen of kneading but I am also thinking of buying a Stand mixer, there is a 1000W Kenwood one for 299 but I'm stuck trying to decide if I should go to 419 for the kenwood chef which is the same spec but I can add attachments to and get more use out of.
                                                                            Excellent (and don't worry about the Strewelpeter Super-Salami, I'm sure I will find a way to win it off you next Christmas).

                                                                            I decided to be a wanker and buy the branded peel and turning peel.

                                                                            Will definitely go with the less is more approach until I work out WTF I am doing with this yoke. Some of the more epicurean recipes on the site do look amazing though. We have a Kenwood Chef but the kids seem to have fucked it so that it only goes at high speed.
                                                                            "We are not Europeans. Those people on the continent are freaks."

                                                                            Comment


                                                                              Originally posted by Hitchhiker's Guide To... View Post

                                                                              There's something wrong with the state of Irish tomatoes. Like they're obviously not importing the right ones. And there's barely any (what are known as, but not grown in) Crimean tomatoes which is strange as they are the king of tomatoes. I think maybe also known as beef tomatoes?
                                                                              Ah yes, that would be the sun Ted. As in 'the lack of'.

                                                                              Same reason we don't make wine.
                                                                              "We are not Europeans. Those people on the continent are freaks."

                                                                              Comment


                                                                                Originally posted by Hitchhiker's Guide To... View Post

                                                                                There's something wrong with the state of Irish tomatoes. Like they're obviously not importing the right ones. And there's barely any (what are known as, but not grown in) Crimean tomatoes which is strange as they are the king of tomatoes. I think maybe also known as beef tomatoes?
                                                                                Remember hearing years ago that loads of them come from the Dutch tomato, bred for mass consumption and full of water weight?
                                                                                PMA

                                                                                Comment


                                                                                  Originally posted by Raoul Duke III View Post

                                                                                  Ah yes, that would be the sun Ted. As in 'the lack of'.

                                                                                  Same reason we don't make wine.
                                                                                  I'm going to go out on a limb here and suggest the Atlantic West of Brittany was neither very receptive to growing tomatoes - but in fact what did they, and I thought this was a smart move, was they bought them from another place that had sunshine. So I was more getting at, given we buy tomatoes, why don't we buy the good tomatoes like the Rennais.
                                                                                  "We're not f*cking Burundi" - Big Phil

                                                                                  Comment


                                                                                    And indeed your wine analogy works perfect here. While we don't make wine, we do sell it.
                                                                                    "We're not f*cking Burundi" - Big Phil

                                                                                    Comment


                                                                                      Originally posted by Elshambles View Post

                                                                                      Remember hearing years ago that loads of them come from the Dutch tomato, bred for mass consumption and full of water weight?
                                                                                      Don't know. The flavours are notably present.
                                                                                      "We're not f*cking Burundi" - Big Phil

                                                                                      Comment


                                                                                        Originally posted by Hitchhiker's Guide To... View Post

                                                                                        There's something wrong with the state of Irish tomatoes. Like they're obviously not importing the right ones. And there's barely any (what are known as, but not grown in) Crimean tomatoes which is strange as they are the king of tomatoes. I think maybe also known as beef tomatoes?
                                                                                        These are a Russian variety called Krim that I love growing, they are supposed to grow well here but I can only get about half a dozen to ripen per plant, usually a couple of massive ones, more than double the size of the one in this pic, and a few more smaller ones like this then there are plenty of unripened fruits left at the end of the season which I can fry or make chutney with. Compared to one of the really productive varieties they seem like a waste of time but they are completely worth all the effort for the great eating from one.
                                                                                        I'll probably give half of all the Tomato space I have to them this year.

                                                                                        CiHgfKT.jpg
                                                                                        Turning millions into thousands

                                                                                        Comment


                                                                                          Originally posted by Raoul Duke III View Post

                                                                                          Ah yes, that would be the sun Ted. As in 'the lack of'.
                                                                                          Originally posted by Elshambles View Post

                                                                                          Remember hearing years ago that loads of them come from the Dutch tomato, bred for mass consumption and full of water weight?
                                                                                          LED lighting is transforming and probably improving quality of not just Tomatoes but all manner of horticulture.
                                                                                          Turning millions into thousands

                                                                                          Comment


                                                                                            Bit of a blow for tax haven Ireland in the EU today. Voting against this basic tax transparency measures makes one feel so dirty and yet.......
                                                                                            Happiness is not a goal; it is a by-product. ~Eleanor Roosevelt

                                                                                            Comment


                                                                                              The blue bananas are meant t be like icecream, gotta be bs. Though freezing and thawing a banana can make something very similar to an icecream, can't imagine one bieng like it off the bat.


                                                                                              Agree Hitch, tomatoes are always terrible here.

                                                                                              Comment


                                                                                                Originally posted by Solksjaer! View Post
                                                                                                I would not thank you for a Pizza . Much like the Godfather, it insists upon itself. I would especially not thank you for a goodfellows Pizza . I have had pizza in various parts of Italy , I find its popularity as a food to be overated in the extreme
                                                                                                My wife buys me pizza as a treat and I sigh heavily. I think its retribution for closing my ears when she talks shop .
                                                                                                As for noodles..fk you noodles.
                                                                                                You're mad Ted!

                                                                                                Pizza is one if the greatest things ever.

                                                                                                Comment


                                                                                                  Originally posted by Strewelpeter View Post



                                                                                                  LED lighting is transforming and probably improving quality of not just Tomatoes but all manner of horticulture.
                                                                                                  This is true. Mate of mine used to grow some absolutely savage weed plants in the wardrobe in his spare room using high quality industrial LED lights.

                                                                                                  Some great nights getting baked on his home grown gear.

                                                                                                  Comment


                                                                                                    Originally posted by Strewelpeter View Post

                                                                                                    These are a Russian variety called Krim that I love growing, they are supposed to grow well here but I can only get about half a dozen to ripen per plant, usually a couple of massive ones, more than double the size of the one in this pic, and a few more smaller ones like this then there are plenty of unripened fruits left at the end of the season which I can fry or make chutney with. Compared to one of the really productive varieties they seem like a waste of time but they are completely worth all the effort for the great eating from one.
                                                                                                    I'll probably give half of all the Tomato space I have to them this year.

                                                                                                    CiHgfKT.jpg
                                                                                                    Comrade!

                                                                                                    The motherland appreciates you recognising krim (for crimea) as a Russian variety. Tonight we march in joy on Sevastpol.

                                                                                                    They were the main ones we ate in France outside the summer season when you get the lovely southern French varieties. Can't seem to see them here at all.
                                                                                                    "We're not f*cking Burundi" - Big Phil

                                                                                                    Comment


                                                                                                      Those tomato and mozza sandwiches look so class right now!
                                                                                                      "We're not f*cking Burundi" - Big Phil

                                                                                                      Comment


                                                                                                        Originally posted by Hitchhiker's Guide To... View Post

                                                                                                        Comrade!

                                                                                                        The motherland appreciates you recognising krim (for crimea) as a Russian variety. Tonight we march in joy on Sevastpol.

                                                                                                        They were the main ones we ate in France outside the summer season when you get the lovely southern French varieties. Can't seem to see them here at all.
                                                                                                        LOL far be it from me to try and stir shit but I see that Comrade Navalnay has been dropped by Amnesty from their prisoner of conscience list because of his being something of a racist.

                                                                                                        Turning millions into thousands

                                                                                                        Comment


                                                                                                          If I had the choice, I'd eat plantains over bananas any day but they never seem to be available in Ireland. Possibly in the African food shops in town?
                                                                                                          "We are not Europeans. Those people on the continent are freaks."

                                                                                                          Comment


                                                                                                            Strewelpeter what size or sort of greenhouse have you got?

                                                                                                            Comment


                                                                                                              Originally posted by Raoul Duke III View Post
                                                                                                              If I had the choice, I'd eat plantains over bananas any day but they never seem to be available in Ireland. Possibly in the African food shops in town?
                                                                                                              I've gotten them in Asian food stores quite easily. Definitely seen them sold on Moore St before also.

                                                                                                              Comment


                                                                                                                Originally posted by cardshark202 View Post

                                                                                                                I've gotten them in Asian food stores quite easily. Definitely seen them sold on Moore St before also.
                                                                                                                Speaking of bananas, you could win many of them simply by playing the IPB Cheltenham Tipping Comp. There's already €900 in the pot and more en route.

                                                                                                                According to my sauces, that could buy you about 0.9 metric tons of bananas. Enough to keep even the most devoted banana worshipper satiated.
                                                                                                                "We are not Europeans. Those people on the continent are freaks."

                                                                                                                Comment


                                                                                                                  Originally posted by Strewelpeter View Post

                                                                                                                  LOL far be it from me to try and stir shit but I see that Comrade Navalnay has been dropped by Amnesty from their prisoner of conscience list because of his being something of a racist.
                                                                                                                  There's a good letter to the IT about that.

                                                                                                                  The Guardian article also makes it clear that there is a co-ordinated campaign (gosh, I wonder by who) to discredit him for his past statements. Classic 'look, over there!' stuff and the spotlight gets taken off Putin. And it's working.

                                                                                                                  But w/e. I think everyone's waiting to see how Biden plays on this pitch.
                                                                                                                  "We are not Europeans. Those people on the continent are freaks."

                                                                                                                  Comment


                                                                                                                    Originally posted by coillcam View Post
                                                                                                                    Strewelpeter what size or sort of greenhouse have you got?
                                                                                                                    Its a polytunnel c. 3M * 8M
                                                                                                                    Got it from https://polytunnelsdirect.ie and it only cost about a grand installed, great value.

                                                                                                                    Turns out I could have fitted in another 2M length and when it comes time to replace the plastic I will probably extend it unless I find enough space to build a second one.

                                                                                                                    Last year I did a really cool thing of putting in a compost hotbed to generate heat for early seeds - that's a 1.5 ^3M box of fresh manure that gives off heat as it decomposes. Worked great until about April when I needed to turn it to get the heat back to the top but by that time I didn't have space to move. Was a great idea but too much like hard work so this year I brought electricity in and built a hotbed. Its like an electric blanket embedded in wet sand and works a treat.

                                                                                                                    Anyway, you don't need any of that to get great value out of a polytunnel, its all about making growing easy and extending the season.

                                                                                                                    Here's a few pics of my rough as fck setup
                                                                                                                    SPOILER
                                                                                                                    Turning millions into thousands

                                                                                                                    Comment


                                                                                                                      Originally posted by Raoul Duke III View Post

                                                                                                                      But w/e. I think everyone's waiting to see how Biden plays on this pitch.
                                                                                                                      I think its fairly clear how an 80-year-old dude who grew up on James Bond movies is going to play this one.
                                                                                                                      "We're not f*cking Burundi" - Big Phil

                                                                                                                      Comment


                                                                                                                        In my first travel across town today since before Christmas, it seems notable quite how empty everything is when construction shuts down. Like there's just absolutely nothing happening in the centre. Even the Costas shut and they are like the cockroaches of the retail world.
                                                                                                                        "We're not f*cking Burundi" - Big Phil

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