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Rain-rain, go away, I want sunshine today! #ramble

Yes, it’s Sunday morning and so once again I share my thoughts with you. You can guess what I have on my mind this morning from my title. Yes, rain-rain is spoiling my day. I’m going out later and there is the re-dedication of the war memorial tonight. I haven’t been asked to take photos but I was last year so I might inquire if I am needed.

rain-rain go away. I want sunshine!

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Veho M8 Wireless Speaker #review

This is my first product review for some time and this Veho M8 speaker was ordered from AO.com. The full product description is Veho VSS-015-M8 – Silver. The parcel came very quickly, in fact, the next day and I received some texts to say it was on its way. It was delivered in a 1 hours delivery slot (09:04 –10:04) and the text named the driver.  It was delivered on time and undamaged. So far everything was faultless and so I opened the box!

VEHO M8 SPEAKER

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The interest rate rise is no big deal #finance

So the Bank of England raises interest rates 1/4 of a percent. It might put an average of £12 a month on mortgages if it is passed on. Was your mortgage cut when they cut interest rates? No, probably not. Interest rates for savers were cut almost to zero and the government and Bank of England are really giving savers a bad deal. In fact, the government is hitting older people now because they seem to feel the triple lock on pensions is somehow too generous. The interest rate rise is no big deal because few people will be worse off or better off. We need interest rates to rise substantially but with the government virtually bankrupt by some measures of solvency that is unlikely to happen.

Interest rate rise - it is no big deal

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Value for money #thrifty #frugal

My Thrifty Thursday post is usually about saving money by shopping around but being frugal can save you even more. I watched a TV programme yesterday evening about a woman learning to cook to save money. She was spending a fortune on food and much of it was loaded with sugar and salt. The BBC has lots of fairly frugal recipes on their website and so check it out and learn to cook a few meals. You can get value for money and enjoy your food more.

value for money ideas

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Sharp images #photography #art

I usually go out on the weekend and do landscape photography but my plans didn’t quite work out this week and so for today’s post I have had to look through the archive. My first photo I have converted to grey scale to show what a photo really is, an image made up of light and dark. Sharp images have a sharp difference between light and dark.

New Street West Bromwich

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Objects of desire #ramble #art

It’s Sunday morning again and so once again I share my thoughts with you. This is what I do, I write and I also do social media and photography. I produce content and many of my friends who understand social media will know why content is king! Interaction is important on social media. People interact with their friends and on Facebook pages, they interact with the admins. I had to ban a couple of people from one Facebook page I am admin of yesterday and it was with deep regret. They waged a vendetta for over a year against me. If I have a disagreement with someone, I try to forget it and move on. Life is too short and hating people consumes you. Anyway, moving on, I have photography and art on my mind this week.

Considering objects of desire

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Interest rate rise? #Thrifty #Frugal

With just 59 days to Christmas, many pundits are predicting an interest rate rise next week. The sensible thing to do would be to wait until January but how often have we heard of people being made redundant and other heartless decisions being made just before Christmas? An interest rate rise could mean higher mortgage repayment costs as well as interest rate hikes on loans and credit cards.

Will interest rates rise next week?

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Finance in focus #finance #investments

This week interest rates have been in focus with various pundits predicting an interest rate increase next week. There is no forward guidance and so it could go either way. As usual, the government and Bank of England add to uncertainty and the markets don’t like uncertainty but for many investors uncertainty brings opportunities. It is unfortunate that it is mostly parasitic day traders and shorters that get to benefit.

finance in focus

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Looking for the perfect shot #art #photography

I’m looking for the perfect shot now for my art project but what is the perfect shot? I’ll know it when I see it. I think it is an image that people can relate to and I have split the subject into three parts, people, places and things. I photographed some interesting places on Sunday and then tested out the best of the images on Facebook and Twitter to see if people did relate to them.

central sixth

Central Sixth, West Bromwich

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Perceptions and human behaviour #ramble

It is Sunday morning and so once again, I’ll share my thoughts with you. Perceptions are the way we see things but we aren’t always right. We see some guy we know coming out of a strip club early one morning and we assume he had a good night. We don’t wait to hear a plausible explanation before mentioning the encounter to someone who will, in turn, mention it to someone else. The truth might be that he visited the establishment of ill-repute to read the gas meter but we don’t let the truth get in the way of a bit of gossip. Human behaviour is something I think a lot about, we rarely seem to get things right.

It is human behaviour to try to get to the front

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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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