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Originally posted by Raoul Duke III View Postor your Finnish?
Originally posted by DeadParrot View PostThe middle point as to this is their fault?
That, I'm afraid is bullshit.
We have to remember that we as a nation are quite young and democracy was/is still a new system to the irish psyche. That mindset, WW2, communism, ignorance (on a national level), no infrastructure and good old common greed kept FF in power more than lazy voters. The thing is, the older generation are still much more likely to vote, get organized and protest than the current cynics of our generation.
As for a drop to match deflation, while on paper it seems good, it would never get back in line.
Old people have a god given right to piss themselves, have a few pints and not worry about shit like the tv fucking license. I for one, cant wait to be that old.
Why can it not be linked to inflation?
The older generation have helped kept FF in power most of their lives, including Bertie whom some still hold dear to their heart.
I just don't understand why they should be fully insulated from taking even a cut in line with the cost of living decrease we've experienced of late.
They can still have their few pints, soil themselves and get a free tv licence if they are over 70, amongst other things.
Originally posted by Hitchhiker's Guide to... View Post
EDIT 2: Also surely the transfer fees for regular payment transfers will lower the interest received even more.
Originally posted by Gilligan-Black View Postwe did ask for capitalism and I always understood that to mean that the best guy gets paid most and the more you work the more you gain.Last edited by Lord Sir Banter; 09-11-10, 19:31.X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
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Originally posted by Hitchhiker's Guide to... View PostHighly impressed that everyone seems to have all this money to move to other countries!
How are ye all dealing with the DIRT issue?
EDIT: also what are ye doing with tonnes of savings in the bank at relatively young ages, when you should be investing in stocks for the long-term growth unless you need the money in the short term. Keytrade is offering about 2% interest, meaning you are effectively losing money every year because of EU-wide inflation.
EDIT 2: Also surely the transfer fees for regular payment transfers will lower the interest received even more. Because presumably you will be keeping this up, with transfers to Keytrade regularly, as it would take quite a few years for any bankruptcy of an Irish bank to happen (at least four years, provided the EU approves our budget reduction plan, which seems like a done deal, and the recapitalised three main banks could easily hang on with just relatively 'minor' defaults of 100,000 mortgages, especially as a lot of the mortgage defaults will be from the newer i.e. foreign lenders)
Also, the 2% interest there is a hell of a lot more than my money gets at the moment
I'm good at not spending money, not so good at making it grow in the best way.
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Originally posted by zuutroy View PostCan anyone help here: Got a new LG W3000h 30" monitor today, but its only running at half resolution and I cant get it above there. Drivers of it and gfx card are up to date.
Also, anyone playing the voodoo 25 tonight?Is that how you crash a wedding? yes it is, Bionic Barry, yes it is.
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Guest
[QUOTE=Zod;190277]Do you have two outputs on your graphics card? If so, try the other output
/QUOTE]
2 outputs, one of which is DVI and is driving my other monitor.
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Guest
Yeah latest drivers for monitor and graphics card. Max it will let me set it too is 1280 x 800. Max of monitor is 2560 x 1600.
My other 22" is running fine at 1600 x 1080.
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Originally posted by Downtown View Postif i have 200 names in an excel sheet, how do i make 200 labels without typing out every name! There must be a way on publisher/word...help?
Need help asap. Thanks guys, Im not very techy
igore if I don't get what you mean by labels.
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Originally posted by Downtown View Postis this serious, i can never tell with you?
like a name tag label
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If I have funds in a poker account/betfair, and we drop out of the euro, will they get frozen/converted? I really don't want to move money out of the country cos I use it very regularly.
Also, would like an excuse to borrow as much money as possible from Irish banks in the next short while? Any good ideas?Foldaramus et foldarabimus
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Originally posted by zuutroy View PostYeah latest drivers for monitor and graphics card. Max it will let me set it too is 1280 x 800. Max of monitor is 2560 x 1600.
My other 22" is running fine at 1600 x 1080.Is that how you crash a wedding? yes it is, Bionic Barry, yes it is.
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Originally posted by Hitchhiker's Guide to... View Postahh. Just been passing over those posts about the punt nua as thought ye were pisstaking tbh! Obv there's no harm having the money abroad if the transfer costs are only €0.51 (as per Lotto). Think I'm just more concerned (well probably not concerned - interested might be a better word!) about the underlying mania behind why ye would believe such stories.
Also young people keeping significant amounts of money in a lose-money savings account is fairly poor long-term planning!
.......
Just as a simple illustration (and this won't be too accurate as have made some simplfying assumptions, but it won't be too far off either as used a pension calculator):
Let's assume you are 35. You either save or invest €1,000 per month for the next 30 years and then retire. We'll also assume that your saving/investing rate rises at 3% per annum.
Option 1: You save in a zero real interest account (i.e. the interest rate just matches inflation, like with Keytrade). You will end up with a monthly pension that will last approx 30 years and pay you €1,000 per month in today's money.
Option 2: You invest in a world stock index and long-term bond portfolio and earn a return over the inflation rate of 5% per year (easily achieveable based on historic stock and bond returns). You will end up with a monthly pension that will last approx 30 years and pay you €4,000 per month in today's money.
... that's a fairly spectacular difference!Official Head Marshall of Waterford Gay Pride Festival 2015
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Originally posted by Downtown View Postif i have 200 names in an excel sheet, how do i make 200 labels without typing out every name! There must be a way on publisher/word...help?
Need help asap. Thanks guys, Im not very techyMay you live in interesting times!
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Originally posted by Hitchhiker's Guide to... View Postahh. Just been passing over those posts about the punt nua as thought ye were pisstaking tbh! Obv there's no harm having the money abroad if the transfer costs are only €0.51 (as per Lotto). Think I'm just more concerned (well probably not concerned - interested might be a better word!) about the underlying mania behind why ye would believe such stories.
Also young people keeping significant amounts of money in a lose-money savings account is fairly poor long-term planning!
.......
Just as a simple illustration (and this won't be too accurate as have made some simplfying assumptions, but it won't be too far off either as used a pension calculator):
Let's assume you are 35. You either save or invest €1,000 per month for the next 30 years and then retire. We'll also assume that your saving/investing rate rises at 3% per annum.
Option 1: You save in a zero real interest account (i.e. the interest rate just matches inflation, like with Keytrade). You will end up with a monthly pension that will last approx 30 years and pay you €1,000 per month in today's money.
Option 2: You invest in a world stock index and long-term bond portfolio and earn a return over the inflation rate of 5% per year (easily achieveable based on historic stock and bond returns). You will end up with a monthly pension that will last approx 30 years and pay you €4,000 per month in today's money.
... that's a fairly spectacular difference!
Also, I have a pension that has been going for 10 years or so, and I put investing in the stock market along with betting on horse racing in that I don't understand either, so don't put money into either. Apart from the pension money, which I presume is in stocks, etc, losing mone merrily due to retarded traders.
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Originally posted by Downtown View Postif i have 200 names in an excel sheet, how do i make 200 labels without typing out every name! There must be a way on publisher/word...help?
Need help asap. Thanks guys, Im not very techy
Mail Merge is the answer, fairly idiot proof.
In word, tools ---mail merge
from source (excel fiile)
choose size of label
job done.
That's a jist of it anywayPeople 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
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Originally posted by Hitchhiker's Guide to... View Postahh. Just been passing over those posts about the punt nua as thought ye were pisstaking tbh! Obv there's no harm having the money abroad if the transfer costs are only €0.51 (as per Lotto). Think I'm just more concerned (well probably not concerned - interested might be a better word!) about the underlying mania behind why ye would believe such stories.
Also young people keeping significant amounts of money in a lose-money savings account is fairly poor long-term planning!
.......
Just as a simple illustration (and this won't be too accurate as have made some simplfying assumptions, but it won't be too far off either as used a pension calculator):
Let's assume you are 35. You either save or invest €1,000 per month for the next 30 years and then retire. We'll also assume that your saving/investing rate rises at 3% per annum.
Option 1: You save in a zero real interest account (i.e. the interest rate just matches inflation, like with Keytrade). You will end up with a monthly pension that will last approx 30 years and pay you €1,000 per month in today's money.
Option 2: You invest in a world stock index and long-term bond portfolio and earn a return over the inflation rate of 5% per year (easily achieveable based on historic stock and bond returns). You will end up with a monthly pension that will last approx 30 years and pay you €4,000 per month in today's money.
... that's a fairly spectacular difference!
I think there's an awful lot of stigma associated with investing in anything other than a savings account. Mainly the premise that investing is gambling. Such a shame.
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Originally posted by Hitchhiker's Guide to... View Postah come on Tommy, thought you might be one of the sane ones! Are you serious?! How could the UK-based Betfair and Pokerstars, or any of the others for that matter, possibly freeze your account on any legal basis? How could they possibly switch your money into some unauthorised currency?
It would be an authorised currency, and it has legal basis. How likely it is is a different question, and one in which I guess we have different answers.Foldaramus et foldarabimus
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Govt freezes domestic accounts Tommy, as in AIB / BOI / Permanent TSB.
Essentially all the euro in Ireland (that is known to the Govt) becomes CurrencyX. At whatever exchange rate the Govt feels is suitable.
If you have money in Pokerstars etc, they are with that company, essentially, that money has completely left Ireland at this stage, and the Govt has no claim to it, nor knows it exists.
The money that Raoul is urging people to move is hefty deposit accounts which have a decent wedge of danger
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Lots of people have money in savings rather than investments right now because they believe that there may not be much value in worldwide equities; my net worth is divided 50 / 50 between cash and equities / commodities and I think that the stock market could easily be in bubble territory...so I'd rather cash than overpriced equities in this circumstance! I think the next few years are all about asset preservation, not asset growth (this will be much more difficult!), as the world economy continues to de-leverage and hopefully avoid pumping up some more asset bubbles (this will also be difficult if government pursue more QE and keep the printing presses running!)
In a nutshell, for the moment having a larger % of your net worth in cash than is deemed suitable for a young person may not be such a bad thing! As long as you can preserve its value of course...
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Originally posted by ionapaul View PostLots of people have money in savings rather than investments right now because they believe that there may not be much value in worldwide equities; my net worth is divided 50 / 50 between cash and equities / commodities and I think that the stock market could easily be in bubble territory...so I'd rather cash than overpriced equities in this circumstance! I think the next few years are all about asset preservation, not asset growth (this will be much more difficult!), as the world economy continues to de-leverage and hopefully avoid pumping up some more asset bubbles (this will also be difficult if government pursue more QE and keep the printing presses running!)
In a nutshell, for the moment having a larger % of your net worth in cash than is deemed suitable for a young person may not be such a bad thing! As long as you can preserve its value of course...Foldaramus et foldarabimus
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Originally posted by TommyGunne View Posti think its even better again to have your money in the gamble!
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Originally posted by zuutroy View PostCheers. Its only about 2 years old (nvidia ge force 7200) so I thought it would be ok.
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Originally posted by TommyGunne View PostIf I have funds in a poker account/betfair, and we drop out of the euro, will they get frozen/converted? I really don't want to move money out of the country cos I use it very regularly.
Also, would like an excuse to borrow as much money as possible from Irish banks in the next short while? Any good ideas?
The only way we get a Punt Nua is if the Euro collapses completely with the Germans leaving first, while that could possibly happen its not something I'd be gambling on to the extent of borrowing against it.
Also stashing it anywhere in Europe other than Norway would probably be as bad as not moving it.Turning millions into thousands
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Originally posted by ghostface ste View PostAnyone know of a way to get round bbc iplayer to view it from Ireland? Wanna watch The Trip from last night
Edit: found a dl but query still stands. Cheers
in the meantime
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
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I went out on Sunday night for a few beers to numb the head after all the live pokers in the Maldron. Ended up getting pretty drunk after long Island Ice teas, jager bombs and whatever else. Cant remember how but tripped or something going down the stairs in Whelan's. Woke up on the floor with my neck twisted against the wall and a bouncer over me telling me not to move. My head was pumping blood. I didn't really know what the fuck was going on. Told him to get the fuck off me and called him a name or 2. He got it through to me in the end.
An ambulance arrived, they strapped me into a stretcher and put a neck brace on. By this stage I was having a mini meltdown thinking "oh fuck, you've really done it this time". Was rushed to hospital and brought straight in to the ER. All a bit blurry here but as the doctor put it "I was less than charming". I can only imagine how much of a spanner I was.
After all of the tests and x-rays I was brought into a room for the night. I tried forcing my way out in my drunken state. They had to fully strap me into the bed. I wasn't happy with this at all. Kept telling them I was fine and to let me go home. Had to put the poker face on and tell them "ok ok I'll be good sorry" etc. As soon as they left and the coast was clear I unstrapped myself and legged it. I remember hiding whenever I saw someone coming my way but made it out and jumped a taxi home. WTF was I at like?!!
Anyway went back yesterday and had to wait in A&E for 13 hours before I was seen to at 5am this morning or so. X-rays came back and no breaks thank feck. Just bruised and battered all over. Worst is the deep cut going from my forehead to the top of my head about 3 inches long. Getting stitches on the noggin aint the nicest experience. Haven't had a proper look yet but I'm told it'll leave a nice scar. Could have been a hell of a lot worse and I consider it some serious run good that it wasn't!
I'm some gobshite. It's a wake up call all the same.
Dear Booze
We had some good times, some great times. But everything comes to an end. It's not you, it's me.
Regards
David
Gonna be missing out on the start of the ftops and probably have to give the ipb game a miss this weekend. I've got a date with my bed, painkillers and a load of films for the week.It's all an illusion
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managed to avoid spoilers so far so dont do it to me!!
any video reply of HU wsop final table or just the final table video i saw it as far as 5 handed? i think its on espn3 again tonight with hole cards but thats onlyn free to the US. maybe ATDHE.net are showing it again, they showed the live stream last night and saturday
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Originally posted by Hitchhiker's Guide to... View Postahh. Just been passing over those posts about the punt nua as thought ye were pisstaking tbh! Obv there's no harm having the money abroad if the transfer costs are only €0.51 (as per Lotto). Think I'm just more concerned (well probably not concerned - interested might be a better word!) about the underlying mania behind why ye would believe such stories.
Also young people keeping significant amounts of money in a lose-money savings account is fairly poor long-term planning!
.......
Just as a simple illustration (and this won't be too accurate as have made some simplfying assumptions, but it won't be too far off either as used a pension calculator):
Let's assume you are 35. You either save or invest €1,000 per month for the next 30 years and then retire. We'll also assume that your saving/investing rate rises at 3% per annum.
Option 1: You save in a zero real interest account (i.e. the interest rate just matches inflation, like with Keytrade). You will end up with a monthly pension that will last approx 30 years and pay you €1,000 per month in today's money.
Option 2: You invest in a world stock index and long-term bond portfolio and earn a return over the inflation rate of 5% per year (easily achieveable based on historic stock and bond returns). You will end up with a monthly pension that will last approx 30 years and pay you €4,000 per month in today's money.
... that's a fairly spectacular difference!
Originally posted by Lurker23 View PostThere's a good bit in the CFA curriculum about this. It's pretty amazing when you think about it. I'd say the majority of the general are option 1 which is quite sad really.
I think there's an awful lot of stigma associated with investing in anything other than a savings account. Mainly the premise that investing is gambling. Such a shame.
I had no clue what I was at and invested in a BOI fund a few years ago, it tanked obviously.
I still have no clue. If someone informed is able to recommend a fund that will perform long term and isn't run by morons, then I'll consider it.
Until then, I'll ship what I have left to the Germans to mind as I'll sleep a bit better in the interim.
I'd like to get informed, but it seems like a really difficult area to quantify.
A lot of people talk like they know their shit but most probably know very little like me.X can be anything, any number, that is what’s CRAZY about X.
Because X doesn’t roll like that, because X can’t be pinned down!
$ Free Travel Credit with Airbnb $
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...Last edited by Hitchhiker's Guide To...; 09-11-10, 20:24."We're not f*cking Burundi" - Big Phil
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Originally posted by Hitchhiker's Guide to... View PostJust any reputable bank that offers an index fund (not an actively traded fund) that is geographically well spread (ideally tracking something like the MSCI world index).
E.g. on first glance, something like this looks fine, although the fact that they don't say the fees anywhere on their website is presumably because they are Irish-style high:
As the famous recent analogy on the cost of some investment funds goes:
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Originally posted by Lotto.ie View PostI doubt many people that are moving their money abroad at the moment are planning to leave it there in low interest accounts until they retire or with their pension in mind.
It's closer to gambling if you have zero clue what you are at.
I had no clue what I was at and invested in a BOI fund a few years ago, it tanked obviously.
I still have no clue. If someone informed is able to recommend a fund that will perform long term and isn't run by morons, then I'll consider it.
Until then, I'll ship what I have left to the Germans to mind as I'll sleep a bit better in the interim.
For someone in their mid twenties, it pays to be more aggressive in terms of having a greater proportion of your net worth invested in stocks (usually >50%). When I say stocks I don't mean BOI, AIB , Ryanair etc. I mean something like an exchange traded fund (etf) of the S&P 500, an emerging markets etf and maybe something like an etf for the Dow Jones Eurostoxx 50 to represent Europe. ETFs are an easy way of obtaining diversification which lowers risk. They basically track the overall performance of the index rather than just a single stock.
The portfolio mix will become more conservative as you become older i.e. a progressively greater weighting towards bonds, cash and real estate. Obviously this is just a general approach and the specifics would depend on the individual's circumstances.
Anyhow, that's my understanding of it from what I've learned in college and picked up in books. Hopefully, it's not woeful advice!
Originally posted by Lotto.ie View PostI'd like to get informed, but it seems like a really difficult area to quantify.
A lot of people talk like they know their shit but most probably know very little like me.
Buy "A Random Walk Down Wall Street" and absorb the info. Everybody should have this book.
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LOL typical in the Stoke game just now. Stoke defender hits it off his own post, birmingham then have a shot cleared off the line and about 3 shots blocked and it ends with a corner. Stoke break from the corner and Fuller scores an absolute peach.
Edit and just as I post Fashey scores with a chest and volley from just inside the box. Better game than expected!Last edited by sligoboi; 09-11-10, 21:19.Pining for Wa'erford
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http://www.worldometers.info/ this is pretty cool, real time statistics about the world.http://mobro.co/zuroph
donate to my hairy lip!
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Originally posted by Zuroph View Posthttp://www.worldometers.info/ this is pretty cool, real time statistics about the world.
10 million emails sent in 3 seconds but only 100,000 google searches in 3 seconds. Thought it would have been the other way around
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