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Looking forward to the future #finance #investments

I had another good week of investing with my stock market assets gaining 2%. Immupharma saw further gains and today they will cost you £1 a share and a bargain at that. The company has huge potential and the fact that they are preparing to gain FDA approval for Lupuzor could mean they are considering manufacturing the drug themselves. The company also has the expertise gained from the development of Lupuzor to develop other drugs for other diseases associated with the immune system. The share price has doubled in the last few months. Looking forward,  if it doubles again before the new year, I wouldn’t be surprised.

looking forward

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Dodecagon pounds and polymer notes #thrifty #frugal

Dodecagon pounds

Yes, the old pound coins have been consigned to history and we have shiny new dodecagon shaped pound coins to go with our polymer fivers and tenners. The old fivers have been consigned to history as well but the paper tenners will be around until next spring.  There are still hundreds of millions of pound coins still out there. Imagine how many £20 notes will still be out there when they change those to polymer in 2020. The drug lords with their suitcases full of them will have to get a move on and change them. They could change them to Bitcoin, couldn’t they?

Dodecagon pounds

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Weekend photography #photography

Last weekend, I went out looking for something unusual to photograph. We think of landscape photography as being woodland or picturesque fields out in open countryside but there are interesting landscapes in our towns and cities too. Last weekend, I found myself sitting in the car watching cars going around a roundabout and took some shots with a 55 – 300mm lens.

weekend photos

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Art on my mind #ramble #art

Yes, it’s Sunday morning again, it soon rolls around. Once again I’m going to let you into the labyrinth of neurons that is my mind and share my thoughts with you. One of the reasons I go to art galleries is for inspiration but I’m not an artist in the traditional sense. My art is writing and photography. Yes, once again, I have art on my mind. Art is about communication.  Artists throughout the ages have tried to communicate with the people who will view their works in the galleries of the world. We now have a new medium to communicate with people and it’s called the internet.

TOM HEYES ENTERTAINS

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The reassuring value of security #finance

In some countries, it doesn’t matter whether you rent or buy your home but in the UK buying your home is more popular because it gives you security. Savings in the bank give us security too, as do investments. This security reassures us that we have assets that we can call on if there is a major crisis and it also reassures those close to us and the bank that we might borrow money from.

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Saving and interest rates #thrifty

It seems likely that interest rates will rise in the near future but although that will probably mean higher mortgage rates it doesn’t always follow that savers will get a higher interest rate. Interest rates are at a historic low now but interest rates on credit and store cards are still high. Most people find it hard saving for a home and so a mortgage makes sense but for other things like a car, it is better to save to buy things that will depreciate in value. Lenders rely on our reluctance to wait for new things and so in developed countries a large part of people’s incomes goes in paying interest on loans of some kind.

Saving money

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Thinking about composition #photography

“In the visual arts, composition is the placement or arrangement of visual elements or ingredients in a work of art, as distinct from the subject. The term composition means ‘putting together’ and can apply to any work of art, from music to writing to photography, that is arranged using conscious thought.”

good composition

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Art on my mind #ramble

It is Sunday morning and so once again you get an exclusive pass that allows you into the labyrinth that is the neural network that I call my mind. Yes, I will share my thoughts once again and today, I have art on my mind…

Art on my mind

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Hitting the jackpot #investments

Some companies on the AIM market lose money for years and while they develop a new product or explore for oil. When there is progress the share price can soar but the prudent investor should invest less in this high risk companies and so it doesn’t usually mean fortunes are made. It is still quite exciting when share prices soar on good news, though and it is a little like hitting the jackpot.  That was the case this week when Immupharma soared by 25p following the end of a pivotal trial of its lupus drug.  To add to shareholder confidence, a major investor has decided to continue supporting the company.

Hitting the jackpot

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Coupons and cash-back #thrifty #frugal

I read a couple of blogs recently where they claimed they could save me money with coupons and cash-back. The lady ‘saving’ money with coupons was spending large amounts of money on branded products each week and spent hours of her time finding and using the coupons. I used a coupon in Matalan last week but it was a 20% off one on the Matalan app on my phone. I bought a couple of sweaters for £26 and with the 20% off and so paid £20.80. That is a real saving and very little messing about to get it. I didn’t have to buy an expensive designer label to save money.

coupons can save you money

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Choosing a location #photography

Last week, I was going shopping and I happened to be going near Bescot station in Walsall and so decided to make that my location for a photo-shoot. The motorway runs alongside the station with the river in between and so there are lots to photograph.

BESCOT Station a good location for a photo-shoot

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Getting out of Wednesbury #ramble

Here we are again, it’s Sunday morning and once again I give you a VIP pass into the labyrinth that is the neural network of my mind and share my thoughts with you. What’s going on in mind this morning as I listen to the rain drip into a puddle outside and drink my tea? Well, I would like to go out today and take some photographs while there is a lull in the traffic chaos we experience in the Black Country every other day. I was even thinking of venturing out of Wednesbury.

Model train in Wednesbury

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