ot: savings
darsy
reasonably quick access (doesn't need to be instant)
good returns
risk-averse
tax efficient
what's the "right answer" for a financial product in today's climates?
Cash ISA?
who with?
--
d.
Monkey
> Cash ISA?
Yes
> who with?
Scottish Widows currently have the best rate (4.6%)
--
ZX6R F2 - The Gravelseeker
BOTAFOT #121, BBB #2
Bear
says...
> darsy wrote:
>
> > Cash ISA?
>
> Yes
>
> > who with?
>
> Scottish Widows currently have the best rate (4.6%)
How "instant" is the access?
Only I'm about to get my accounts back from my accountant and it's high
time I started shoving my spare dosh into something that pays interest.
--
2002 Yamaha R1
Saab Aero Sport
Everything I write is merely my personal opinion - it's not fact unless
I claim it to be, and it's not verified unless I quote a source for it.
Colin Irvine
following:
>If you are really risk averse, I'd place 3.6K in cash isa now, the rest in
>some saving account (internet access), then move 3.6K in april to ISA.
>You could also consider fixed rate bonds (6 months or 1 year) on part of the
>sum, if you can block your money.
>Products change very quickly so have a look here:
>http://www.moneysupermarket.com/savings/
>(and carefully check small prints.)
Exactly wot 'e said. Possibly ditto for partner. Also have a look at
NSI
http://www.nsandi.com/
--
Colin Irvine
ZZR1400 BOF#33 BONY#34 COFF#06 BHaLC#5
http://www.colinandpat.co.uk
c...@nospam.netunix.com
IMHO shares are a better bet at the moment, but stick with quality
companies. The market seems to have bottomed in mid-october and is
looking very oversold. My current picks are BAE Systems, Rolls Royce
and Anglo American with a close eye also on food sellers like Tesco.
You can put 7200 into an online shares ISA or 3600 in each if you
also have a cash ISA.
WARNING - My advice is worth what you are paying for it - fuck all.
--
03 GS500
68 Bantam D14S
Bear
> IMHO shares are a better bet at the moment
> WARNING - My advice is worth what you are paying for it - fuck all.
You ain't fucking kidding.
wessie
@news.individual.net:
> In article <kYCdnR2vZLJ7jcfU...@brightview.com>, Monkey
> says...
>> darsy wrote:
>>
>> > Cash ISA?
>>
>> Yes
>>
>> > who with?
>>
>> Scottish Widows currently have the best rate (4.6%)
>
> How "instant" is the access?
>
> Only I'm about to get my accounts back from my accountant and it's high
> time I started shoving my spare dosh into something that pays interest.
according to http://www.moneysavingexpert.com/savings/best-cash-isa#best
it's an online account with no penalty instant access
You can only put in £3600 a year in this type of account. Once you take out
the money you can't top it up to £3600 again. There's no tax on the
interest. I only put savings in these accounts that I don't intend to touch
for a while. Bung in £3600 every year and you soon build up a nice tax free
stash.
For short term savings you might wish to consider an online account listed
on this page
www.moneysavingexpert.com/savings/savings-accounts-best-interest#instant
Obviously, any interest paid will be taxed.
--
wessie at tesco dot net
BMW R1150GS
darsy
> darsy <dar...@gmail.com> wrote:
> > if you had, say, 5-10K to invest, and wanted the following:
>
> > reasonably quick access (doesn't need to be instant)
> > good returns
> > risk-averse
> > tax efficient
>
> > what's the "right answer" for a financial product in today's climates?
>
> > Cash ISA?
>
> > who with?
>
> IMHO shares are a better bet at the moment, but stick with quality
> companies.
[snip]
Well, I work for pretty much the largest European Asset Management
company. If I wanted to buy shares I would do so through our retail
department, as I wouldn't pay the initial fees.
But I really am risk-averse with my savings, and so need a high-street
product, not the sort of thing we sell.
--
d.
Bear
Ah ok, ta ... what I was more after was bunging, say, £50,000 into
somewhere and watching it increase, but being able to draw it out at,
say, no less than 30 days notice.
darsy
> some saving account (internet access), then move 3.6K in april to ISA.
> You could also consider fixed rate bonds (6 months or 1 year) on part of the
> sum, if you can block your money.
> Products change very quickly so have a look here:http://www.moneysupermarket.com/savings/
> (and carefully check small prints.)
yes, I've looked there, and on Motley Fool.
But it's not at all clear what is the best product for my
requirements.
At the end of the day, even the best rates only make you a few hundred
quid a year from a £10K investment. It hardly seems worth it.
I was thinking of sticking it all on premium bonds, but the twats have
cut the payment rate interest-equivalent recently, apparently.
--
d.
Colin Irvine
the following:
>On Tue, 30 Dec 2008 12:53:09 -0000 in uk.rec.motorcycles, Bear says:
>
>>In article <Xns9B8481FA6...@85.214.105.209>, wessie says...
>
>>> according to http://www.moneysavingexpert.com/savings/best-cash-isa#best
>>> it's an online account with no penalty instant access
>>>
>>> You can only put in £3600 a year in this type of account. Once you take out
>>> the money you can't top it up to £3600 again. There's no tax on the
>>> interest. I only put savings in these accounts that I don't intend to touch
>>> for a while. Bung in £3600 every year and you soon build up a nice tax free
>>> stash.
>>>
>>> For short term savings you might wish to consider an online account listed
>>> on this page
>>> www.moneysavingexpert.com/savings/savings-accounts-best-interest#instant
>>> Obviously, any interest paid will be taxed.
>>
>>Ah ok, ta ... what I was more after was bunging, say, £50,000 into
>>somewhere and watching it increase, but being able to draw it out at,
>>say, no less than 30 days notice.
>
>I'd bung £30K into premium bonds, you ought to get close to the
>average payout in small sums each month. I did when I did that for a
>year or so. Then there's a chance admittedly small of getting a big
>win. You can get the money back out in around 10 days.
The average payout has recently dropped quite significantly. We're
about to cash in most of ours.
wessie
@news.individual.net:
> In article <Xns9B8481FA6...@85.214.105.209>, wessie says...
>> Bear <bastard...@gmail.com> wrote in news:MPG.23c421a046e456ad989df3
>> @news.individual.net:
>>
> Ah ok, ta ... what I was more after was bunging, say, £50,000 into
> somewhere and watching it increase, but being able to draw it out at,
> say, no less than 30 days notice.
As Galet pointed out, bung £3600 into a Cash ISA now. Then in the new tax
year bung in another £3600. By April you will have £7200 stashed away and
pay no tax on the interest.
At 30 days notice, the best you'll get is about 4 or 5%. These are likely
to be short term deals with "bonuses" for the 1st year. At the end of the
bonus period you will revert to an even more piss poor rate.
One anomaly I've just noted with Egg: my Egg Money Mastercard pays 4% gross
interest on positive balances. They've cut their other savings rates but
not that one. It would be the ultimate instant access savings account as
you simply use the mastercard. I'm not sure I'd want to give Citigroup,
owners of Egg £50k, though.
With £50k I'd spread it between at least 2 different banks. Just in case
one of them does a Northern Rock. Of course you'd get your money back under
the FSA protection but it might mean being unable to access your funds for
a few weeks. Just ask Champ how twitchy he got over his Icelandic stash...
Colin Irvine
following:
>But it's not at all clear what is the best product for my
>requirements.
What information is missing?
>At the end of the day, even the best rates only make you a few hundred
>quid a year from a £10K investment. It hardly seems worth it.
Indeed. HMG wants you to spend it not save it.
>I was thinking of sticking it all on premium bonds, but the twats have
>cut the payment rate interest-equivalent recently, apparently.
They have.
Your choice is really dictated by your time frame. For the longer term
the stock market is part of the answer, and if I had spare money to
invest in the long term I'd be trickling it into bond funds
(ISA-wrapped) now and perhaps a few equity funds, aiming to reach my
target investment level in, say, three years time. Others, of course,
may advise the opposite of this! I would, and indeed have, keep a
relatively large proportion in cash as I too am relatively risk
averse.
Colin Irvine
following:
Sorry, bad form, but looking again at your OP the stock market doesn't
meet your requirement of reasonably quick access. Then again, you
won't get a good return if you're risk-averse, so it's really your
call to pick the key criterion.
c...@nospam.netunix.com
Your money, your call. The only problem I see is that low risk savings
are paying crap rates, so expect inflation to eat any returns.
I would still be considering putting a proportion into the market but I
could be proved to be wrong ......
Bear
says...
Amazingly, I had read about that. But thanks for the confirmation.
Bear
> Bear <bastard...@gmail.com> wrote in news:MPG.23c42a10c4aa6240989df8
> @news.individual.net:
>
> > In article <Xns9B8481FA6...@85.214.105.209>, wessie says...
> >> Bear <bastard...@gmail.com> wrote in news:MPG.23c421a046e456ad989df3
> >> @news.individual.net:
> >>
>
> > Ah ok, ta ... what I was more after was bunging, say, £50,000 into
> > somewhere and watching it increase, but being able to draw it out at,
> > say, no less than 30 days notice.
>
> As Galet pointed out, bung £3600 into a Cash ISA now. Then in the new tax
> year bung in another £3600. By April you will have £7200 stashed away and
> pay no tax on the interest.
>
> At 30 days notice, the best you'll get is about 4 or 5%. These are likely
> to be short term deals with "bonuses" for the 1st year. At the end of the
> bonus period you will revert to an even more piss poor rate.
Ok, thanks ... does it go up significantly if I can keep my mitts off it
for, say, 90 days?
Thinking about it, as it's most likely to be spent on a house, sometime
in 2010 (if plans proceed without hitch, as they may or may not), I
don't see why I couldn't run to 90 days notice.
> One anomaly I've just noted with Egg: my Egg Money Mastercard pays 4% gross
> interest on positive balances. They've cut their other savings rates but
> not that one. It would be the ultimate instant access savings account as
> you simply use the mastercard. I'm not sure I'd want to give Citigroup,
> owners of Egg £50k, though.
Me either.
> With £50k I'd spread it between at least 2 different banks. Just in case
> one of them does a Northern Rock. Of course you'd get your money back under
> the FSA protection but it might mean being unable to access your funds for
> a few weeks. Just ask Champ how twitchy he got over his Icelandic stash...
There's no way I'd stick that amount of wedge into anything even
slightly dodgy.
ginge
<my_email_addre...@privacy.net> wrote:
>Monkey wrote:
>
>> > who with?
>>
>> Scottish Widows currently have the best rate (4.6%)
>
>Nationwide currently do some half decent bonds. Mind you, the money is
>blocked for at least 6 months.
I'm probably going to chuck some money into one of those.. apparently
you can set up seperate blocks of cash as 6, 9 and 12 month intervals,
which seems to be a sensible approach, as once the first lot is
running it's easy to work on the basis of getting some paid back every
3 months.
Champ
wrote:
Yeah.
>who with?
Dunno - you've looked at my preferred site for such advice (Motley
Fool).
This almost certainly won't suit you, but I've recently switched to an
offset mortgage, and even with low interest rates (I'm lucky enough to
be paying 2.79%, as I crowed recently), by the time you take the tax
position into account [1] that's equivalent to 4.65% on my savings,
and there's precious little in the way of instant access accounts to
beat that.
But, of course, you should use your tax free ISA limit first.
[1] you don't pay tax on interest you've *not* paid on a loan, but you
do on interest you've earnt on an investment
--
Champ
ZX10R (road), ZX10R (race; breaking), GSX-600(race; for sale), GPz750 turbo (classic)
To email me, neal at my domain should work.
wessie
news:MPG.23c43cdb6...@news.individual.net:
> In article <Xns9B84879FE...@85.214.105.209>, wessie says...
>> At 30 days notice, the best you'll get is about 4 or 5%. These are
>> likely to be short term deals with "bonuses" for the 1st year. At the
>> end of the bonus period you will revert to an even more piss poor
>> rate.
>
> Ok, thanks ... does it go up significantly if I can keep my mitts off
> it for, say, 90 days?
>
Where significantly might be a 50% better interest rate of 6%.
As Colin has mentioned elswhere in this thread, you would need to consider
bonds to get that sort of rate. Their lock-in periods are over 90 days
though.
darsy
I already have a (small) share portfolio, and it's up and down like a
whore's drawers.
Which is why I want to put some of what I have left into something
steady.
One of the reasons I want quick access, is that I don't really want to
put into a medium/long term fixed income bonds deal in case:
a) interest rates do a u-turn and start heading north (so I could have
got a better deal by waiting to invest) or (possibly worse):
b) /inflation/ does a u-turn and starts heading north, so my saved
money would be better off spent.
Either of the above could easily happen given the volatility of the
world market at the moment.
--
d.
darsy
> On Tue, 30 Dec 2008 04:08:30 -0800 (PST), darsy <dar...@gmail.com>
> wrote:
>
> >if you had, say, 5-10K to invest, and wanted the following:
>
> >reasonably quick access (doesn't need to be instant)
> >good returns
> >risk-averse
> >tax efficient
>
> >what's the "right answer" for a financial product in today's climates?
>
> >Cash ISA?
>
> Yeah.
>
> >who with?
>
> Dunno - you've looked at my preferred site for such advice (Motley
> Fool).
>
> This almost certainly won't suit you, but I've recently switched to an
> offset mortgage, and even with low interest rates (I'm lucky enough to
> be paying 2.79%, as I crowed recently), by the time you take the tax
> position into account [1] that's equivalent to 4.65% on my savings,
> and there's precious little in the way of instant access accounts to
> beat that.
we're in a fixed morgate for another 30 months or so. The get-out
charge is higher than the money I could save switching to a lower rate
mortgage right now.
> But, of course, you should use your tax free ISA limit first.
>
> [1] you don't pay tax on interest you've *not* paid on a loan, but you
> do on interest you've earnt on an investment
I could probably have phrased my OP better. A lot better. I do know
all this stuff, you know, but I was really asking for advise on what
would be the best course in the current volatile world economy.
/Probably/ shares in one of the big American disaster-capitalists,
Lockheed or ITT or someone.
But unlike, say, Blaney, I have ethics about such things.
--
d.
darsy
> darsy wrote:
> > if you had, say, 5-10K to invest, and wanted the following:
>
> > reasonably quick access (doesn't need to be instant)
> > good returns
> > risk-averse
> > tax efficient
>
> > what's the "right answer" for a financial product in today's climates?
>
how much does 10K of gold weigh?
--
d.
darsy
> Thinking about it, as it's most likely to be spent on a house, sometime
> There's no way I'd stick that amount of wedge into anything even
> slightly dodgy.
" "
--
d.
Colin Irvine
following:
>I already have a (small) share portfolio, and it's up and down like a
>whore's drawers.
>
>Which is why I want to put some of what I have left into something
>steady.
>
>One of the reasons I want quick access, is that I don't really want to
>put into a medium/long term fixed income bonds deal in case:
>
>a) interest rates do a u-turn and start heading north (so I could have
>got a better deal by waiting to invest) or (possibly worse):
>
>b) /inflation/ does a u-turn and starts heading north, so my saved
>money would be better off spent.
>
>Either of the above could easily happen given the volatility of the
>world market at the moment.
Indeed.
You can inflation-proof with NSI inex-linked savings certificates, but
minimum is 3 years and with hindsight you could well end up deciding
you could have done better (which wouldn't worry everyone IYSWIM).
Otherwise you'll really need to work through all the small print of
the best ISA providers as listed in, say, moneysupermarket. I don't
know a shortcut!
Colin Irvine
>It's a shame the interest rate has gone down. It was at 6% gross back
>in March, IIRC.
They've consistently been my fave BS - interest rates usually near the
top and generally a well-run organisation IMHO. We used to have a
mortgage with them and now hold a fair few ISA bonds. Total opposite
to Halifax, for example.
Champ
wrote:
>I could probably have phrased my OP better. A lot better. I do know
>all this stuff, you know
Of course, and some of the extra detail in my post was for other
readers.
>but I was really asking for advise on what
>would be the best course in the current volatile world economy.
Well, there's better financial brains than your and mind currently
failing to answer that question :-)
hey, what's AntE doing with his money right now? :-)
For what it's worth, I think you're right in valuing liquidity above
most other criteria - the ability to change ones mind is probably as
important as any headline rate atm, imo.
Bear
144b1c...@i24g2000prf.googlegroups.com>, darsy says...
heh.
Thing is, you know only too well you don't lose money on property in the
long term.
Bear
Rats.
Maybe stick 50% into something with a 12 month lead-time then, and the
other half into something with easier access.
Champ
>I'd bung Ł30K into premium bonds
As others have pointed out - not any more:
http://www.fool.co.uk/news/your-money/savings/2008/12/23/why-premium-bonds-dont-make-good-savings-accounts.aspx?source=uemfoleml0010038
Paul Carmichael
> On Tue, 30 Dec 2008 13:02:13 +0000, bo...@despammed.com squeezed out the
> following:
>>I'd bung £30K into premium bonds, you ought to get close to the average
>>payout in small sums each month. I did when I did that for a year or so.
>>Then there's a chance admittedly small of getting a big win. You can get
>>the money back out in around 10 days.
>
> The average payout has recently dropped quite significantly. We're about
> to cash in most of ours.
It's gone down because it pays out at a percentage based on the
prevailing interest rates. Same as banks etc. So I don't see how it's
changed in relation to other schemes (banks etc)?
--
Paul.
CBR1100XX SuperBlackbird (Buen mueble de patio), Orbea Dakar
BOTAFOT #4 BOTAFOF #30 MRO #24 OMF #15 UKRMMA #30
http://paulcarmichael.org/ (content pending)
wessie
news:xn0fzjhmp...@SPAMrosbif.org:
> It's a shame the interest rate has gone down. It was at 6% gross back
> in March, IIRC.
>
I took out an account with Egg & another with Coventry BS[1] fixed at 6.5%
for 12 months a couple of months ago, just before general rates dropped to
the 4% mark
[1] over 50s only as it was opened for my mum's savings under an EPA
Champ
wrote:
>On Tue, 30 Dec 2008 13:12:21 +0000, Colin Irvine escribió:
>
>> On Tue, 30 Dec 2008 13:02:13 +0000, bo...@despammed.com squeezed out the
>> following:
>
>>>I'd bung £30K into premium bonds, you ought to get close to the average
>>>payout in small sums each month. I did when I did that for a year or so.
>>>Then there's a chance admittedly small of getting a big win. You can get
>>>the money back out in around 10 days.
>>
>> The average payout has recently dropped quite significantly. We're about
>> to cash in most of ours.
>
>It's gone down because it pays out at a percentage based on the
>prevailing interest rates. Same as banks etc. So I don't see how it's
>changed in relation to other schemes (banks etc)?
See the article I posted a link to - it's currently *less* than the
base rate.
Colin Irvine
>On 30 Dec 2008 16:01:58 GMT, Paul Carmichael <wibble...@gmail.com>
>wrote:
>
>>On Tue, 30 Dec 2008 13:12:21 +0000, Colin Irvine escribió:
>>
>>> On Tue, 30 Dec 2008 13:02:13 +0000, bo...@despammed.com squeezed out the
>>> following:
>>
>>>>I'd bung £30K into premium bonds, you ought to get close to the average
>>>>payout in small sums each month. I did when I did that for a year or so.
>>>>Then there's a chance admittedly small of getting a big win. You can get
>>>>the money back out in around 10 days.
>>>
>>> The average payout has recently dropped quite significantly. We're about
>>> to cash in most of ours.
>>
>>It's gone down because it pays out at a percentage based on the
>>prevailing interest rates. Same as banks etc. So I don't see how it's
>>changed in relation to other schemes (banks etc)?
>
>See the article I posted a link to - it's currently *less* than the
>base rate.
To be fair it has been that for a while, but there's the (albeit
remote) prospect of a big win to compensate.
What changed our minds was the disproportionate reduction in the
number of bigger prizes - see table at the bottom of this.
http://www.guardian.co.uk/money/2008/dec/06/premium-bond-prizes
steve auvache
<lo...@bottom.of.home.page> writes
Roll up! Roll up! See the bean counters mind at work.
You would have better spent your time considering the following rather
than wasting it by computing the returns.
What you lot fail to understand completely is that Premium Bonds is an
out and out gamble but unlike other gambles you will be guaranteed to
get your stake back. If you approach the prospect of buying one with
anything else in mind you are a cunt.
--
steve auvache
A Bloo one with built in safety features
Paul Carmichael
> On Tue, 30 Dec 2008 13:02:13 +0000, bo...@despammed.com wrote:
>
>>I'd bung £30K into premium bonds
>
> As others have pointed out - not any more:
> http://www.fool.co.uk/news/your-money/savings/2008/12/23/why-premium-
bonds-dont-make-good-savings-accounts.aspx?source=uemfoleml0010038
All seems a bit academic at the mo. Received this from a BS the other day:
"From 1 January 2009, the rates paid on your NetSave Instant account will
be 2.00% AER/gross p.a. variable (monthly 2.00% AER, 1.98% gross p.a.).
The previous variable rates on this account were 2.65% AER/gross p.a.
(monthly 2.65% AER, 2.62% gross p.a.)."
I think the most I'm getting in any account is about 2.4%.
ogden
> All seems a bit academic at the mo. Received this from a BS the other day:
>
> "From 1 January 2009, the rates paid on your NetSave Instant account will
> be 2.00% AER/gross p.a. variable (monthly 2.00% AER, 1.98% gross p.a.).
> The previous variable rates on this account were 2.65% AER/gross p.a.
> (monthly 2.65% AER, 2.62% gross p.a.)."
>
> I think the most I'm getting in any account is about 2.4%.
Last time I looked my LTSB savings account was paying 0.1% AER. Or would
do if I had anything in it, anyway.
The only trouble with the whole "it's not worth saving, might as well
spend it" idea is that, well, it's bollocks. I'd rather have a slightly
depreciating pile of money than a load of shit and no money.
--
ogden
GSX-R750 K4
RGV250 VJ22
darsy
why?
what do you think money is for?
--
d.
darsy
Champ
wrote:
>On Dec 31, 2:47 am, ogden <og...@pre.org> wrote:
A double post? From Darsy?
Are you feeling ok?
darsy
> On Wed, 31 Dec 2008 02:52:46 -0800 (PST), darsy <dar...@gmail.com>
> wrote:
>
>
>
> >On Dec 31, 2:47 am, ogden <og...@pre.org> wrote:
> >> Paul Carmichael wrote:
> >> > All seems a bit academic at the mo. Received this from a BS the other day:
>
> >> > "From 1 January 2009, the rates paid on your NetSave Instant account will
> >> > be 2.00% AER/gross p.a. variable (monthly 2.00% AER, 1.98% gross p.a.).
> >> > The previous variable rates on this account were 2.65% AER/gross p.a.
> >> > (monthly 2.65% AER, 2.62% gross p.a.)."
>
> >> > I think the most I'm getting in any account is about 2.4%.
>
> >> Last time I looked my LTSB savings account was paying 0.1% AER. Or would
> >> do if I had anything in it, anyway.
>
> >> The only trouble with the whole "it's not worth saving, might as well
> >> spend it" idea is that, well, it's bollocks. I'd rather have a slightly
> >> depreciating pile of money than a load of shit and no money.
>
> >what else is money /for/ if not buying stuff?
>
> A double post? From Darsy?
I blame Google. I knew I'd posted a reply, but it hadn't shown up a
few hours later, so I assumed Google had lost it.
> Are you feeling ok?
Actually, I'm feeling fine, though my Doctor has told me I have
hypertension (I went in to have my elbow looked at).
--
d.
Champ
wrote:
>> A double post? From Darsy?
>
>I blame Google. I knew I'd posted a reply, but it hadn't shown up a
>few hours later, so I assumed Google had lost it.
That's the problem with assumptions
>> Are you feeling ok?
>
>Actually, I'm feeling fine, though my Doctor has told me I have
>hypertension (I went in to have my elbow looked at).
You have a hypertense elbow? Tricky...
darsy
> On Wed, 31 Dec 2008 03:40:28 -0800 (PST), darsy <dar...@gmail.com>
> wrote:
> >Actually, I'm feeling fine, though my Doctor has told me I have
> >hypertension (I went in to have my elbow looked at).
>
> You have a hypertense elbow? Tricky...
heh.
My Doctor's a bit strange. After telling me I have very high blood
pressure, he then prescribed 600mg Ibuprofen tablets for the pain in
my elbow (Ibuprofen raises blood pressure).
I go back this afternoon for the results of a blood test to see if
anything specific is causing the hypertension, or whether it's just
because I'm overweight, eat too much salt, drink too much alcohol and
have a stressful job.
--
d.
Bear
98bc52...@r15g2000prh.googlegroups.com>, darsy says...
> I go back this afternoon for the results of a blood test to see if
> anything specific is causing the hypertension, or whether it's just
> because I'm overweight, eat too much salt, drink too much alcohol and
> have a stressful job.
Hope all's well for you, but that paragraph did make me laugh.
About 3 years ago I went to A&E because of the loss of sensation in a
couple (well one and a half - ie the ulnar nerve, though I didn't know
that at the time) of fingers on my left hand. As some of the symptoms
were mildly indicative of a heart attack they whisked me in and strapped
me into a FOAD heart monitoring machine.
The on-call surgeon came to look at the results after a few mins. He
said "hmmmmmmmm ... no, it's definitely not your heart, it looks "ok"."
When I queried "ok" he said it was at the upper end of the scale for
what he'd expect for a man of my age and weight, although "not bad".
Then we discussed how much I smoke and drank, and how little exercise I
did. He then looked back at the display and said "ok, I'm upgrading you
from "not bad" to "pretty bloody amazing" instead".
Now I've said that I'll drop dead before the day is out, but it made us
both chuckle at the time.
darsy
> In article <769ff2f3-16fc-4582-9a96-
> 98bc52e2e...@r15g2000prh.googlegroups.com>, darsy says...
>
> > I go back this afternoon for the results of a blood test to see if
> > anything specific is causing the hypertension, or whether it's just
> > because I'm overweight, eat too much salt, drink too much alcohol and
> > have a stressful job.
>
> Hope all's well for you, but that paragraph did make me laugh.
seriously, I hope it is just the combination of the above.
--
d.
Bear
@w24g2000prd.googlegroups.com>, darsy says...
Well yes, you would.
wessie
@w24g2000prd.googlegroups.com:
It may be none of them. Your BP may just be raised because you went to the
GP i.e. white coat syndrome
I invested in a home BP machine. My BP is significantly lower when measured
at home. You may want to take readings at different times of day/week to
see if there is a lifestyle correlation i.e. work. Get one with an
inflatable cuff rather one of those wrist jobs - Lloyds were selling them
for a tenner.
darsy
> In article <396691de-63b0-48ea-b9df-4148b0382b58
> @w24g2000prd.googlegroups.com>, darsy says...
>
> > On Dec 31, 12:19 pm, Bear <bastardDOTb...@gmail.com> wrote:
> > > In article <769ff2f3-16fc-4582-9a96-
> > > 98bc52e2e...@r15g2000prh.googlegroups.com>, darsy says...
>
> > > > I go back this afternoon for the results of a blood test to see if
> > > > anything specific is causing the hypertension, or whether it's just
> > > > because I'm overweight, eat too much salt, drink too much alcohol and
> > > > have a stressful job.
>
> > > Hope all's well for you, but that paragraph did make me laugh.
>
> > seriously, I hope it is just the combination of the above.
>
> Well yes, you would.
well, apparently yes, I'm just a chubby pisshead with a high
cholesterol level and some liver function abnormality (which
apparently well go away if I stop drinking so much). No heart disease,
thyroid problems or bone marrow issues.
Doctors orders are to cut down drinking by 50% and lose 20 lbs.
ho hum.
--
d.
Bear
cf6862...@e1g2000pra.googlegroups.com>, darsy says...
'Ray! :)
> Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>
> ho hum.
Boo :(
Champ
wrote:
>Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>
>ho hum.
Welcome to "being in your 40s" :-/
darsy
> On Wed, 31 Dec 2008 08:48:14 -0800 (PST), darsy <dar...@gmail.com>
> wrote:
>
> >Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>
> >ho hum.
>
> Welcome to "being in your 40s" :-/
this mortality thing sucks, big time.
--
d.
darsy
> In article <1a3e9ef8-afbd-4bd1-881b-
> cf68626c5...@e1g2000pra.googlegroups.com>, darsy says...
>
>
>
> > On Dec 31, 1:06 pm, Bear <bastardDOTb...@gmail.com> wrote:
> > > In article <396691de-63b0-48ea-b9df-4148b0382b58
> > > @w24g2000prd.googlegroups.com>, darsy says...
>
> > > > On Dec 31, 12:19 pm, Bear <bastardDOTb...@gmail.com> wrote:
> > > > > In article <769ff2f3-16fc-4582-9a96-
> > > > > 98bc52e2e...@r15g2000prh.googlegroups.com>, darsy says...
>
> > > > > > I go back this afternoon for the results of a blood test to see if
> > > > > > anything specific is causing the hypertension, or whether it's just
> > > > > > because I'm overweight, eat too much salt, drink too much alcohol and
> > > > > > have a stressful job.
>
> > > > > Hope all's well for you, but that paragraph did make me laugh.
>
> > > > seriously, I hope it is just the combination of the above.
>
> > > Well yes, you would.
>
> > well, apparently yes, I'm just a chubby pisshead with a high
> > cholesterol level and some liver function abnormality (which
> > apparently well go away if I stop drinking so much). No heart disease,
> > thyroid problems or bone marrow issues.
>
> 'Ray! :)
>
> > Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>
> > ho hum.
>
> Boo :(
I know.
and at the end of the day, the bastard still hasn't done anything
about the problem I went to see him for in the first place, except
prescribe ibuprofen.
--
d.
wessie
cf6862...@e1g2000pra.googlegroups.com:
> well, apparently yes, I'm just a chubby pisshead with a high
> cholesterol level and some liver function abnormality (which
> apparently well go away if I stop drinking so much). No heart disease,
> thyroid problems or bone marrow issues.
>
> Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>
> ho hum.
>
My GP is a pragmatist. He hasn't mentioned losing weight or cutting down
the booze.
I had a wonky liver function test result in October. Turned out to be
caused by omeprazole prescribed as a prophylactic when I was taking shed
loads of ibuprofen for the wonky knee. I had another blood test a month
after stopping the omeprazole & ibuprofen and the LFT was back to normal.
Omeprazole stops the production of acid in the stomach so if you take
certain indigestion remedies you may be having the same effect.
Champ
wrote:
>On Dec 31, 5:36 pm, Champ <n...@champ.org.uk> wrote:
>> On Wed, 31 Dec 2008 08:48:14 -0800 (PST), darsy <dar...@gmail.com>
>> wrote:
>>
>> >Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>>
>> >ho hum.
>>
>> Welcome to "being in your 40s" :-/
>
>this mortality thing sucks, big time.
No argument there, brother.
It does have some small compensations
--
Champ
What doesn't kill you only makes you stronger
ZX10R | GPz750turbo | GSX-R600 racer (for sale) | ZX10R racer (broken)
neal at champ dot org dot uk
darsy
> On Wed, 31 Dec 2008 09:44:37 -0800 (PST),darsy<dar...@gmail.com>> >> On Wed, 31 Dec 2008 08:48:14 -0800 (PST),darsy<dar...@gmail.com>
> >> wrote:
>
> >> >Doctors orders are to cut down drinking by 50% and lose 20 lbs.
>
> >> >ho hum.
>
> >> Welcome to "being in your 40s" :-/
>
> >this mortality thing sucks, big time.
>
> No argument there, brother.
>
> It does have some small compensations
yeah - I still hope Des dies.
--
d.
Paul Carmichael
> Omeprazole stops the production of acid in the stomach
It's a proton pump inhibitor. It *reduces* the amount of acid produced by
over-active proton pumps. Without that acid we wouldn't last long.
Omeprazole is taken regularly by a *huge* number of people every day.
When I lived in the UK they stopped prescribing it for me because they
said it was too expensive, and so I should drastically change my
lifestyle. I now take the minimum daily dose of 10mg (which costs me 2.50
euros a month) and don't have any problems. I know people that take 4
times that dose, which I suspect (according to reasearch) that they may
have problems later in life.
There was some talk years ago that it could encourage breast growth in
men. I think I have standard tits for a 47 year old male. I can post
pictures if anyone wants.
wessie
@mid.individual.net:
> On Wed, 31 Dec 2008 20:14:25 +0000, wessie escribió:
>
>> Omeprazole stops the production of acid in the stomach
>
> It's a proton pump inhibitor. It *reduces* the amount of acid produced by
> over-active proton pumps. Without that acid we wouldn't last long.
Yes, yes Mr Picky.
> Omeprazole is taken regularly by a *huge* number of people every day.
> When I lived in the UK they stopped prescribing it for me because they
> said it was too expensive, and so I should drastically change my
> lifestyle. I now take the minimum daily dose of 10mg (which costs me 2.50
> euros a month) and don't have any problems. I know people that take 4
> times that dose, which I suspect (according to reasearch) that they may
> have problems later in life.
>
If they are in the small group of people like me, about 5% IIRC, who
experience the change in liver function as a result of taking the drug then
most certainly, they may suffer long term problems.
Like you, I was only taking 10mg. Fuck knows what would happen to my liver
if I increased the dose 4x.
Paul Carmichael
> If they are in the small group of people like me, about 5% IIRC, who
> experience the change in liver function as a result of taking the drug
> then most certainly, they may suffer long term problems.
I wonder what percentage of patients only take them for the reason you
took them? I too was told to take them by my urologist after he said to
dose myself up with brufen for post-vasectomy ball-ache. Remind me how
it's supposed to help?
wessie
@mid.individual.net:
> On Fri, 02 Jan 2009 20:04:16 +0000, wessie escribió:
>
>> If they are in the small group of people like me, about 5% IIRC, who
>> experience the change in liver function as a result of taking the drug
>> then most certainly, they may suffer long term problems.
>
> I wonder what percentage of patients only take them for the reason you
> took them? I too was told to take them by my urologist after he said to
> dose myself up with brufen for post-vasectomy ball-ache. Remind me how
> it's supposed to help?
>
all NSAIDs (aspirin, ibuprofen etc) can potentially damage the stomach
which may lead to an ulcer. This can be mitigated by *reducing* the amount
of stomach acid i.e. as I said above, it is given as a prophylactic
Jeweller
> darsy <dar...@gmail.com> wrote:
>> if you had, say, 5-10K to invest, and wanted the following:
>>
>> reasonably quick access (doesn't need to be instant)
>> good returns
>> risk-averse
>> tax efficient
>>
>> what's the "right answer" for a financial product in today's climates?
>>
>> Cash ISA?
>>
>> who with?
>
> IMHO shares are a better bet at the moment, but stick with quality
> companies. The market seems to have bottomed in mid-october and is
> looking very oversold. My current picks are BAE Systems, Rolls Royce
> and Anglo American with a close eye also on food sellers like Tesco.
> You can put 7200 into an online shares ISA or 3600 in each if you
> also have a cash ISA.
> WARNING - My advice is worth what you are paying for it - fuck all.
>
I've precious little by way of savings, but I rather fancy
trickiling stuff into stocks and shares now while the market
is low.
Stocks and shares ISAs will be needing a deal of research,
so I'm hoping to find a managed fund.
I'm not risk averse, I am fairly ignorant of these matters
and I'm happy to be advised.
UKRM is but one of my sources of info.
--
Jeweller
R100RT
Formerly: James Captain, A10, C15, B25, Dnepr M16 solo,
R80/7, R100RT (green!)
www.davidhowardjeweller.co.uk
wessie
@text.news.virginmedia.com:
> I've precious little by way of savings, but I rather fancy
> trickiling stuff into stocks and shares now while the market
> is low.
> Stocks and shares ISAs will be needing a deal of research,
> so I'm hoping to find a managed fund.
> I'm not risk averse, I am fairly ignorant of these matters
> and I'm happy to be advised.
> UKRM is but one of my sources of info.
>
<reposts recommendation as it may have been lost on your server>
lots of info at http://www.bestinvest.co.uk/index.aspx inc. an opinion on
all of the ISA funds available.
c...@nospam.netunix.com
Everyone should have the first 7200 of their savings in some kind of ISA
simply because it is tax free. You can put all of your 7200 into a single
shares ISA or half into a cash ISA.
Shares ISAs come in 2 basic variants, managed and self select.
Managed funds are fine for the beginner and for those who want to leave
decisions to the "experts" [1]. Beware of the charges, all managed funds
charge fees so read the fine print.
Self Select ISAs let you pick your own shares, less of your money
vanishes in fees but you get to make your own mistrakes.
[1] None of them saw the crash coming, the herd instinct rules.
Despite the above, it will be difficult to lose on the stock market
for the next year or so, simply because there is nowhere to go but up.
Some companies will crash and burn, the rest will recover so too many
eggs in one basket is a bad move.
--
03 GS500
68 Bantam D14S
Jeweller
ginge
wrote:
Or for potential stomach ulcers with lots of acid reflux, I've just
finished a couple of months worth of 30mg, but the GP didn't even
mention liver tests, and only now seems to have come round to it being
worth testing for a probable cause..
Oddly I never had any reflux symptoms until the doctor put me on
something for acid a year or so ago. They're nasty pills, that I
don't want to be taking again if it can be helped, seems to take weeks
for the system to settle down after them for me too.
wessie
news:j9tvl41pan7iqt2iq...@4ax.com:
<omeprazole, ulcers & ibuprofen>
>
> Oddly I never had any reflux symptoms until the doctor put me on
> something for acid a year or so ago. They're nasty pills, that I
> don't want to be taking again if it can be helped, seems to take weeks
> for the system to settle down after them for me too.
>
I've found that you can get quite a rebound effect when coming off
omeprazole. I imagine the acid production system attempts to go into
overdrive when it is interferred with. Once the interference is stopped it
takes some time, like several weeks as you say, for the system to self
regulate again.
I've had a few unsettled nights with acid reflux over the last few weeks.
It reminds me of the days when I would drink a gallon of ale and follow it
up with a curry and lager. I keep a glass of water and a strip of calcium
carbonate tablets next to the bed now.
I've also found that ibuprofen gives a significant rebound effect in that
inflammation returns with a vengeance when you stop taking the fuckers.
doetnietcomputeren
>>> If they are in the small group of people like me, about 5% IIRC, who
>>> experience the change in liver function as a result of taking the drug
>>> then most certainly, they may suffer long term problems.
>> I wonder what percentage of patients only take them for the reason you
>> took them? I too was told to take them by my urologist after he said to
>> dose myself up with brufen for post-vasectomy ball-ache. Remind me how
>> it's supposed to help?
>>
>
> all NSAIDs (aspirin, ibuprofen etc) can potentially damage the stomach
> which may lead to an ulcer. This can be mitigated by *reducing* the amount
> of stomach acid i.e. as I said above, it is given as a prophylactic
For stomach related side effect fun, try Indocin. Reading the side
effect and warnings leaflet for that was a heap of joy.
--
Dnc
wessie
news:gjou03$ljd$3...@news.motzarella.org:
WTF did you have that warrented taking that recipe for disaster?
ginge
<putmyn...@tesco.net> wrote:
>ginge <the.gin...@THISgmail.com> wrote in
>news:j9tvl41pan7iqt2iq...@4ax.com:
>
><omeprazole, ulcers & ibuprofen>
>>
>> Oddly I never had any reflux symptoms until the doctor put me on
>> something for acid a year or so ago. They're nasty pills, that I
>> don't want to be taking again if it can be helped, seems to take weeks
>> for the system to settle down after them for me too.
>>
>
>I've found that you can get quite a rebound effect when coming off
>omeprazole. I imagine the acid production system attempts to go into
>overdrive when it is interferred with. Once the interference is stopped it
>takes some time, like several weeks as you say, for the system to self
>regulate again.
>
>I've had a few unsettled nights with acid reflux over the last few weeks.
>It reminds me of the days when I would drink a gallon of ale and follow it
>up with a curry and lager. I keep a glass of water and a strip of calcium
>carbonate tablets next to the bed now.
Don't know if you were aware but calcium carbonate also leads to
rebound - I've been trying to avoid that shit too, and try to give a
few sips of milk a try first.
wessie
news:lvuvl4trdbqu7ts7r...@4ax.com:
It's a last resort. Water, a walk across the landing to the bathroom and a
belch usually suffice.
Thankfully, the episodes are getting less frequent, although last night was
a fucker. I suspect it was not helped by drinking a few glasses of *white*
wine before retiring.
ginge
<putmyn...@tesco.net> wrote:
>ginge <the.gin...@THISgmail.com> wrote in
>news:lvuvl4trdbqu7ts7r...@4ax.com:
>
>> On Sat, 3 Jan 2009 23:56:40 +0000 (UTC), wessie
>> <putmyn...@tesco.net> wrote:
>It's a last resort. Water, a walk across the landing to the bathroom and a
>belch usually suffice.
>
>Thankfully, the episodes are getting less frequent, although last night was
>a fucker. I suspect it was not helped by drinking a few glasses of *white*
>wine before retiring.
Ahh yes. Over the Christmas break I found Chablis had decided to
have a go at being my Kryptonite and I've not touched any white wine
since then, beer, red, and port were fine in the limited amount I
enjoyed, so it's no big deal.
I've another bottle of the very same chablis in the cupboard, so might
just repeat the experiment in a few months to see if things have
improved.
doetnietcomputeren
>>
>> For stomach related side effect fun, try Indocin. Reading the side
>> effect and warnings leaflet for that was a heap of joy.
>>
>
> WTF did you have that warrented taking that recipe for disaster?
Immense amount of pain. In fact, for the pain, I was given Hydrocodone
(generic Vicodin), and because of the side effect from Indocin, I was
given Sucralfate.
And instructions to not drink, what so ever.
--
Dnc
wessie
news:im00m4dtfost7lseu...@4ax.com:
It's not worth the risk, Rob. I work with a number of organisations that
can find it a new home where it will be appreciated. Just lie it on its
side until I can arrange collection.
ginge
<putmyn...@tesco.net> wrote:
>ginge <the.gin...@THISgmail.com> wrote in
>news:im00m4dtfost7lseu...@4ax.com:
>> I've another bottle of the very same chablis in the cupboard, so might
>> just repeat the experiment in a few months to see if things have
>> improved.
>
>It's not worth the risk, Rob. I work with a number of organisations that
>can find it a new home where it will be appreciated. Just lie it on its
>side until I can arrange collection.
No. It's an important scientific study, therefore even though may I
risk life and limb in doing so I'm going to consider the bigger
picture and make the sacrifice. It's the least I can do for the
advancement of the human race.
wessie
@news.motzarella.org:
which piercing went wrong, then?
wessie
news:sg10m4taa4nforemd...@4ax.com:
what a fucking attention seeking ginger cunt
although, death by Chablis has some style to it.
Put me down for the ZX10R as that should raise a laugh
doetnietcomputeren
>>>> For stomach related side effect fun, try Indocin. Reading the side
>>>> effect and warnings leaflet for that was a heap of joy.
>>>>
>>> WTF did you have that warrented taking that recipe for disaster?
>> Immense amount of pain. In fact, for the pain, I was given Hydrocodone
>> (generic Vicodin), and because of the side effect from Indocin, I was
>> given Sucralfate.
>>
>> And instructions to not drink, what so ever.
>>
>
> which piercing went wrong, then?
Heh, no. I thought you'd have had a better guess that that. Suspected Gout.
--
Dnc
wessie
news:gjp1u7$8ka$1...@news.motzarella.org:
I thought about "being told you are relocating to USA" but went with the
obvious.
I had mild gout at the end of my three years as a student. Once I started
moving around a bit it went away.
c...@nospam.netunix.com
I keep a bottle of Gaviscon liquid by the bedside, thankfully I seldom
need it nowadays but I went through a few years of needing a swig[1] at
the bottle at night and keeping some of the tablets in a pocket during
the day. It all sorted itself out eventually, maybe having my gall
bladder removed helped, maybe just coincidence.
Eating more sensibly and getting off the bottle[2] helps.
[1] take the stated dose of one tablespoon --- yea, like i am going to
fart about measuring at 0dark30 when I need it in a hurry.
[2] when you start buying scotch by the case it is time to dry out.
vulgarandmischevious
>Immense amount of pain. In fact, for the pain, I was given Hydrocodone
>(generic Vicodin),
I was given Vicadin last week. I didn't like it.
doetnietcomputeren
>> Immense amount of pain. In fact, for the pain, I was given Hydrocodone
>> (generic Vicodin),
>
> I was given Vicadin last week. I didn't like it.
I stopped taking it as soon as I could. I don't know if it was that, or
the general combination, but I wasn't quite right for those four days.
What's your excuse for being the next Hugh Laurie?
--
Dnc
vulgarandmischevious
Same as yours - gout. Mine's familial. Was quite funny, going to the
doc with a limp and getting Vicadin. I wryly commented that I just
needed to start being rude to people, and I had the whole set. He
told me not to drive while taking vicadin, and I asked if it was okay
if I diagnosed unusual and complex ailments.
doetnietcomputeren
>>>> Immense amount of pain. In fact, for the pain, I was given Hydrocodone
>>>> (generic Vicodin),
>>> I was given Vicadin last week. I didn't like it.
>>
>> I stopped taking it as soon as I could. I don't know if it was that, or
>> the general combination, but I wasn't quite right for those four days.
>>
>>
>> What's your excuse for being the next Hugh Laurie?
>
> Same as yours - gout. Mine's familial.
Not sure where mine came from - it came, it went.
> Was quite funny, going to the
> doc with a limp and getting Vicadin. I wryly commented that I just
> needed to start being rude to people, and I had the whole set. He
> told me not to drive while taking vicadin, and I asked if it was okay
> if I diagnosed unusual and complex ailments.
Heh. Did he 'get it'?
--
Dnc
doetnietcomputeren
>> Was quite funny, going to the
>> doc with a limp and getting Vicadin. I wryly commented that I just
>> needed to start being rude to people, and I had the whole set.
Bad form - but you'd also need the dodgy american accent. Unless....
--
Dnc
Ace
<putmyn...@tesco.net> wrote:
>I've also found that ibuprofen gives a significant rebound effect in that
>inflammation returns with a vengeance when you stop taking the fuckers.
Interesting. I've never found this to be true, and it's not normally
considered to be the case.
Of courwe, if the original cause of the innflammation is still there
then it will return, and will be in proportion to the original injury
- taking NSAIDs instead of getting an injury treated properly is not
always a good thing.
Champ
>On Sat, 3 Jan 2009 23:56:40 +0000 (UTC), wessie
><putmyn...@tesco.net> wrote:
>
>
>>I've also found that ibuprofen gives a significant rebound effect in that
>>inflammation returns with a vengeance when you stop taking the fuckers.
>
>Interesting. I've never found this to be true
Neither have I.
--
Champ
What doesn't kill you only makes you stronger
ZX10R | GPz750turbo | GSX-R600 racer (for sale) | ZX10R racer (broken)
neal at champ dot org dot uk
Champ
#Nicotine, Valium, Vicodin, Marijuana, Ecstasy and Alcohol...
Paul Carmichael
> Don't know if you were aware but calcium carbonate also leads to rebound
> - I've been trying to avoid that shit too, and try to give a few sips of
> milk a try first.
Milk = acid. Just about the only thing that gives me heartburn now is
dairy products in excess.
--
Paul.
CBR1100XX SuperBlackbird (Buen mueble de patio), Orbea Dakar
BOTAFOT #4 BOTAFOF #30 MRO #24 OMF #15 UKRMMA #30
http://paulcarmichael.org/ (content pending)
ginge
wrote:
>On Sun, 04 Jan 2009 00:19:40 +0000, ginge escribió:
>
>> Don't know if you were aware but calcium carbonate also leads to rebound
>> - I've been trying to avoid that shit too, and try to give a few sips of
>> milk a try first.
>
>Milk = acid.
Barely, it's PH is 6.7 apple juice is 3.3 as a comparison.
>Just about the only thing that gives me heartburn now is
>dairy products in excess.
That's not the same thing as milk being acidic, more likely you're
lactose intollerant, or your system just over reacts to anything with
a high fat content. Mine doesn't, it loves those fresh cold cow-y
lactations. mmm.
Wicked Uncle Nigel
doetnietcomputeren <doesnot...@gmail.com> typed
<fx: looks at ceiling, whistles tunelessly, waggles eyebrows>
--
Wicked Uncle Nigel - "He's hopeless, but he's honest"
It's important is that last ell.
dog
> There was some talk years ago that it could encourage breast growth in
> men. I think I have standard tits for a 47 year old male. I can post
> pictures if anyone wants.
where is dr. gower these days, anyway?
--
dog
rsv1000rf sl1000 two#5 pwcram#3
darsy
> Paul Carmichael wrote:
> > There was some talk years ago that it could encourage breast growth in
> > men. I think I have standard tits for a 47 year old male. I can post
> > pictures if anyone wants.
>
> where is dr. gower these days, anyway?
" "
why are you responding to all these old posts, anyway?
--
d.
dog
> why are you responding to all these old posts, anyway?
still catching up. i went away from the internet for a bit.