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LLOY trader_jack 25 Feb 2020

LLOYDS is going to FLY PrefInvestor1: Hi Again @trader_jack, Its only just occurred to me but you probably have never bought anything from Amazon have you ? - so you wont have an account. You will need to create one if you are going to order from them. Good morning Prefinvestor, The sun is shining at last! I do use Amazon, it took a bit of getting used to and I still make mistakes, I mainly use it to buy books and inks fo my printer, I am a prime member and in clicking the button for prime delivery I still managed to buy an ink that would take 3 weeks to arrive a couple of weeks ago! I went through the Amazon link you provided for Office Home & Student 2016 and my attention was drawn to a small window towards the bottom of page offering a newer version Home & Student 2019. Yes, it is about £26 more but it has the wording you mention “Fulfilled by Amazon” It seems that it might be the better option to get the latest version although I do not understand the statement "Microsoft support included for 60 days at no extra cost. " That seems odd given that all other MS products offer support for some years or am I misunderstanding something? I am not sure whether I prefer the one price version or the monthly / annual subscription model. I suppose that if I elected for the subscription model (Office 365?) there might be fairly regular updates to the software capability rather than just fixing the occasional snag. As I have said the one thing that might sway me to any particular Excel package would be the ability for someone as thick as myself to understand is to be able to get the prices in my spreadsheets to update themselves automatically on a daily basis as a minimum. Somehow I am not sure that Excel will help me in that respect. I must say that personally I have found this “LLOYDS is going to FLY” board much more readable this week especially given the state of the markets. I notice that the FTSE100 is heading down again already. I must away and stock the larder up from my favourite supermarket. Catch up later, thanks again for your help. Best regards TJ

HSBA Ripley94 25 Feb 2020

Big world market fall back corona virus Hi Steve just out of interest what age group are you ? ( just a range out of curiosity ) The stamps were for your own personal use ? Personally my family , friends ect would want them for nothing so not sure about that. Maybe i am unlucky lol . Motley fool i read said thought RMG was a buy might be an idea for you. All the best to you with your investment as well. And thank you.

HSBA john.a.reeves 25 Feb 2020

Brexit Wars 3 pete - hi petethenovice: Maybe he thinks the Swedes will follow us… Maybe he (I) think you haven’t got the sense to see I was simply taking the p@ss out of you. Too easy … bit of an ‘open goal’ really! JAR

HSBA HuwJarse 25 Feb 2020

Brexit Wars 3 Eadwig: Total shutdown? You really are off into fantasy land. image.jpg800x421 120 KB Manufacturing PMI expected to come in at around 30, the lowest number ever recorded.

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 The EU and farmers both agree they dont want diseased chicken. JAR… Maybe we will all need to become veggie will help use up the mills of Turnips the Guardian – 25 Feb 20 Farmers pile pressure on UK government over chlorinated chicken Calls for food standards to be enshrined in law to avoid post-Brexit ‘betrayal’ of consumers

LLOY BrownAdder 25 Feb 2020

Commodities Crypto ETFs FX Indices. inc VIX I still maintain - cause of Brexit GBP has to be 1:1 with EUR and near to that Housing Crisis to get worse and Prices will go up So I agree but it will hurt us all lol

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 john.a.reeves: Obviously a response based on the disciplined and forensic intellect we are led to believe intelligent EU Ultras possess way beyond that of us ’ thicko’ leavers! This from the guy who wants the UK to become a turnip based economy … Maybe he thinks the Swedes will follow us…

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 HuwJarse: Maybe the UK isn’t such a terrible place in this respect after all, relatively speaking. this is worse but direction we are heading in… twitter.com McSpocky™ 👽🔄🌊 #VoteBlue2020 (mcspocky) ‘To say no to President Trump would be saying no to God.’ — Trump’s faith adviser Paula White. #InTrumpsAlternateReality [link] 4:17 PM - 24 Feb 2020

HSBA john.a.reeves 25 Feb 2020

Brexit Wars 3 JW - good morning J_Westlock: Twat. Obviously a response based on the disciplined and forensic intellect we are led to believe intelligent EU Ultras possess way beyond that of us ’ thicko’ leavers! That said, it’s a level way above your norm - maybe one word to long?. Keep up the improvement m8. JAR

LLOY PrefInvestor1 25 Feb 2020

LLOYDS is going to FLY Hi @Eadwig, Yes the old google finance was great. Real-time updates, fantastic charts, lots of good data. The new one is a poor replacement I no longer use it all. My portfolio updating solution isnt real-time of course, that’s not achievable unless you have a live feed of prices. But what I get is the ability to update my whole portfolio in a single click (via an Excel data query if I use investing.com data) or a copy and paste operation (if I use sharesmagazine data). The result is accurate to a few seconds ago and that’s good enough for me. No manual entry anyway – well except for prefs where I have to do dummy trades to get live prices. All browsers provide the facility to backup your bookmarks to a file (at least these days, but for some years previously too as I recall). Sounds like you weren’t doing that – hopefully you are now. My wife and I use Office a lot (Word, Excel & Outlook mainly). We are very happy with Office 365 which is a rolls-royce solution but then it doesnt cost us much. It fits well with our PCs with Apple mobile devices. In practice I already pay for cloud storage as part of my Office 365 subscription. As Ive said in other posts I don’t put any personal or financial information there. Mainly I use it as a means of sharing data between my mobile devices and my PCs as I don’t permit any mobile devices to directly access my PCs via wifi. Yes Windows 7 was good, but I have no problems with Windows 10. I certainly would not use Windows 7 or 8 now they are no longer supported. Yes Microsoft put out patches for the Spectre and Meltdown chip flaws. Most modern PCs will have had a BIOS upgrade that actually fixes the problem at the firmware level but my PCS are too old for that so thank goodness for the Microsoft patches, though they did cause a performance hit at the time. I think it unlikely that legislation will be brought in to cover retrospective operating system patches, should vendors have to go back and fix MSDOS vintage stuff – seems a bit unreasonable. Well off to update the portfolio now – bad day yesterday. Anyway the sun is shining and it looks like a decent day here. Grandkids coming later after school / nursery. ATB Pref

HSBA fynne 25 Feb 2020

Brexit Wars 3 J_Westlock: Twat. Intolerance abounds

RDSB Gamesinvestor1 25 Feb 2020

Value Territory or a value trap? Yes – I’m coming round to the feeling that this has been oversold partly because of the huge hysteria around climate change, that in reality rises in CO2 emissions have limited impact on - scientifically measured, not political or press adjusted fear factoring. Have a read of this lot :- I believe in Climate Change of course, but for such a wholesale adjustment to our way of life, prosperity, and freedom we owe it ourselves to take a look at the numbers, rather than rely on wish-washy statements of whether you or I ‘believe’ in something or not. Science is about numbers. I believe in gravity, sure. But this belief is not that especially useful. Will things accelerate at 9.8m/s^2 downwards (on the earth), or 1.6 m/s^2 (on the moon). Both are consistent with theory, but what effect will gravity have? The numbers will change your decision making process will they not? So let’s try this with global warming: Increasing CO2 acts by warming the atmosphere. And we can measure it. Quite accurately as is turns out. The atmosphere has warmed very slowly, at around 0.12°C per decade from when accurate measurements began in the 1970s. It can be measured accurately in four different datasets using satellites and radiosondes (weather balloons), and amazingly they all agree! Which, when you consider how small this change is that’s quite an achievement. These observations are in line with atmospheric physics, which also states the earth’s surface will warm at around half this rate, so 0.06°C per decade. To check this, download the atmospheric data yourself into Excel, do text-to-columns, and chart the 3rd column [link] Then take a simple average over each decade, and see that the: 1990s were 0.14°C warmer than the 1980s 2000s were 0.10°C warmer than the 1990s 2010s were 0.15°C warmer than the 2000s And I’d venture a prediction that the 2020s will continue the trend: 2020s will be 0.12°C warmer than the 2010s? And remember how the effect works. The earth’s surface is warmed by the sun and emits infra-red radiation to space… some of which is absorbed in the bending frequency of the CO2 molecule. This additional energy is trapped and warms the atmosphere. The warmer atmosphere then re-radiates the energy, roughly half towards the earth’s surface and half out to space. If you know how much the atmosphere is warming, then you know the magnitude of the effect. So if you (pessimistically) attribute all this atmospheric warming to CO2 (encompassing the feedback effects which also warm the same atmosphere), you can then make accurate projections… of 0.06°C per decade. Your next question is: if CO2 is not effecting climate very much, then why and how come places like Australia are 2°C warmer? Five decades or so of 0.06°C per decade is only 0.3°C. Not 2°C. So if CO2 can only have caused 1/6th of the surface warming in Australia, then what caused the rest? The rest is either caused by humans, (changes in land use, deforestation etc) or natural (ocean PDO, ADO, ENSO). Either way, it’s clear CO2 can only be attributed to about 1/6th of this surface warming. Your next question will be, well if this this is true, then why isn’t it more widely accepted. The answer is that yes indeed it was accepted, with similar results published in as early as 1994, by IPCC lead authors such as Dr John Christy and subsequently proven correct with the atmospheric temperature data. But these scientist were removed from the IPPC review process and replaced by more ‘motivated’ scientists who attributed almost all of the surfacing warming to CO2. It’s getting more and more difficult to separate the politics of Climate Change from the science. But science is numbers, so look at the number: Are we really going to spend trillions to stop the 0.06°C per decade caused by CO2 (that’s the maximum number, it might be less that that), while other factors our changing the climate far more? Look again at that number again: 0.06°C per decade.

RDSB Eadwig 25 Feb 2020

Value Territory or a value trap? Gamesinvestor1: The LNG projections are interesting with a doubling of usage in the next 20 years to offset carbon reduction requirements – how they forecast this lot is anybody’s guess. Been expecting that for years, LNG being used as a ‘bridging fuel’. It hasn’t really happened, I hope RDSB aren’t projecting on the basis that it will. Meantime LNG prices around the world continue to hit all time lows, especially in USA, but even in the far east which always had much higher prices. A lot of hostility around the world to any new ‘fossil fuel’ electricity generation - yet at the same time no solid plan to replace the capacity, let alone to increase it to allow for the electric vehicle revolution and rising population etc etc Gamesinvestor1: The dividend yield is 7.9% – how sustainable that is, is the big question? No cut since 1945. I’m banking on that. I’ve been buying RDSB on its drops as a high yielder likely to come out the other side of any major downturn still paying dividends and with a future ahead of it. Long term horizon on this one.

HSBA J_Westlock 25 Feb 2020

Brexit Wars 3 HuwJarse: Agree Jack but you’re wasting your time saying things like that here. These people have convinced themselves they live in 1930s Germany and the UK is one of the worst places in the world. Twat.

GKP MikeyAdmin 25 Feb 2020

Opening Prices FTSE100 . . . 7,156.83 . (-247.09) . (-3.34%) Brent Crude . . $55.28 . (-2.66) . (-4.59%) GKP . . . 101,668 @ 169.2p . . . . . . . . . . . . . . . . . . . . . . . . . . FTSE100 . . . 7,185.96 . (+29.13) . (+0.41%) Brent Crude . . . $56.29 . (+0.53) . (+0.95%) . . . (15mins delayed) OP . . . No UT . . . 1st AT . . . 236 @ 173p . . . timed 08.00.24 2,000 @ 169.2, 169 & 168p, 25,000 @ 168p, 1,975 @ 159.6p, 5,000 x 2 @ 150 & 140p, 10,000 @ 140 & 132p = 72,975 8,500 @ 174, 20,000 @ 176, 180 & 185p, 3,000 @ 180p, 16,000 @ 199p, 30,000 @ 25p, 7,000 @ 216p and 12,000 @ 249p = 132,000 Blocks of Auction only Orders @ 176p, 180p 190p and 210p on the Ask Book at c.8.03am 171,075-----240,154 35----40 We may see a little rise today but treat with caution