Mihangel

7 hours ago, RadioactiveWaste said:

Swansea (uni days and lived there for years), Coventry, Blackpool, Watford, Dundee FC, Dundee Utd, Arsenal, Southampton. Probably more, takes a lot for me to really take a dislike to a club.

You are someone of great resilience ?

More on topic though, it takes a lot for me to either like or dislike another club, I really don't care. I support Derby, Derby U21, Derby U18, Derby Women, Derby & district U13 paper boys second XI. Oh, and Belper Town. I've got several friends who want the bantz about how well their teams are doing, or not, but I don't give a flying cluck.

8 minutes ago, jimbo jones said:

221-4 off of 50 overs for Lancashire. Didn’t look like a batting paradise, but that’s not a high score.

It's a really weird score isn't it? I mean to be only 4 down getting 221??? Not been able to watch, any idea why the scoreline?

Shrewsbury being our nearest, erm, 'big' town or city, disappointed that I'm very unlikely to get a ticket.

There's nothing pubwise near the stadium, loads of good places in the town centre then realistically a cab  ride to the ground. There's a nice Lidl attached to it though that we use occasionally!

14 hours ago, RodleyRam said:

As with many issues of this nature the situation will only change through regulation and a handful of clubs making a stand is unlikely to have much impact. That doesn't mean they shouldn't make that stand. Just because the money is there and we need it, doesn't mean that we should take it. 

Agreed with much of your post but particularly this bit. That's leadership for you, that's taking a stand. Some will wait for governing bodies or even governments to define that something is within or without the rules or laws, others will make that stand, that's the difference between leaders and followers and I know which boat I like to be in. Gambling is so horribly and obviously addictive, ruins lives yet it's integral to sport and football in particular - let's kick gambling ads out of football.

3 hours ago, CornwallRam said:

Just for balance, here is a list of the poor things about that interview:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

I think he mentioned that his first game was v Forest in the 77/78 season, then mentioned he thought it was Nov '78, shocking attention to detail, Clowes out.

I could, of course, be misquoting him or simply completely wrong. Still got to go though.

6 minutes ago, Sparkle said:

If we sign a right back the team selection changes I suspect not to mention signing Forsyth up.

                          Wildsmith

knight     Davies.    Cashin         Forsyth 

                    Bird.  Hourihane 

                            Sibley 

Mendiz              Collins.        Barkhauzen 

I expect McGoldrick instead of Sibley 

I hope we sign a right back! Outside of that, it looks a strong team. It'll take them a while to gel, get match ready but while we haven't got masses of depth, our first 16 or so is strong.

20 minutes ago, Andrew1 said:

The French weren’t exactly busting a gut at the frontier either

Who needs a time and motion study when Andrew1 of the DCFC message board can tell you how effective your employees are while driving past on the other side of the M20 ?

2 minutes ago, RoyMac5 said:

 

I think that's a bloody good crowd for a nothing pre season friendly against a team that aren't exactly a crowd puller.

18 minutes ago, LeedsCityRam said:

Other observations; Max Bird was superb & great ball out to Hourihane in build up to goal.

Agreed - I actually thought his first touch to take 2 opponents out of the game was a really good sign. Gave him so much time and space.

2 minutes ago, Cumbrian said:

I'm a Leicester fan. 

Thanks Flash, I figured that. I just thought it was slightly odd to post twice in 13 years and then spend the afternoon explaining the Foxes' team selection. 

1 minute ago, Cumbrian said:

Leicester's first choice full backs are Ricardo and Justin. Castagne is second choice in both positions.

Soyuncu Is third choice central defender behind Evans and Fofana. 

Justin is playing at Preston...

50% of your lifetime's posts have been to tell us who is, and isn't in Leicester City's first XI,  odd.

32 minutes ago, Gritstone Ram said:

I think a lot of people have jumped the gun on this credit Union and what we really need is some comparison to direct debit payments to see the real difference in costs. I suspect there may not be much difference in repayments. I think the figures sound a lot but when the amount borrowed is paid be the interest will be less too. 
I think if some examples or repayment costs were given then people could make a better judgement on it.

There is a cost of £98.19 to borrow £400 - That is very expensive borrowing. It's not quite lender of last resort terms but it's going in that direction. It's not just numbers though, it's a question of whether RamsTrust should be giving out (dodgy) financial advice? It's a question of whether RamsTrust should be recommending a lender with which they have clear and demonstrable interests. If they are savers (the lenders) within that bank then they are (potentially) directly profiting from any additional lending that is generated by their advice - That's bordering something the FCA may be interested in, are they going to share a key facts document to support their advice?!?

5 hours ago, RoyMac5 said:

"What is a Credit Union?

The first credit union in Britain began trading in 1964, and over the last 50 years, credit unions have grown to provide loans and savings to more than 1.2 million people across England, Scotland and Wales.

Credit unions have a proven track record across the world. In fact, 217 million people are credit union members in 105 different countries.

A credit union is a financial co-operative which provides savings, loans and a range of services to its members. It is owned and controlled by the members.

Each member has one vote and volunteer directors are elected from the membership, by the membership.

Credit unions are owned by the people who use their services, and not by external shareholders or investors. So the emphasis is always on providing the best service to members – not maximising profits.

Membership of a credit union is based on a common bond. This can be working for a particular employer or in a particular industry, or simply living or working in a specified geographical area which could be as small as a village or as large as several local authority areas.

Credit unions come in all shapes and sizes. Whether you’re looking for a credit union with online and phone banking, a payroll partnership with your employer, a local branch or service point you can walk into – or a combination of all three – there’s a good chance you’ll find the credit union you’re looking for to meet your needs."

 

As I said I was surprised by the APR they were charging. The profits from their services go to its members, some of them with links to RamsTrust was the suggestion?

Yeah, me too - I've had a chat to a couple of friends today (I spent my 25 year working life in financial services), they are very surprised by this rate. A bit of research showed up a couple of things - "The maximum any credit union will ever charge for a smaller loan is 3% per month on the reducing balance, which works out as 42.6% APR.", that's a coincidence ? and "Of course, the vast majority of credit union loans are made well below the maximum interest rate. A Government-commissioned study in 2013 found that credit unions offer the best value to consumers on loans up to £2,000, and some credit unions will charge interest rates of 5% APR or even less for larger loans of over £5,000." Fundamentally, this particular credit union appears to be exponentially favouring the lenders (savers) which is, to say the least, concerning.

Source - https://www.findyourcreditunion.co.uk/about-credit-unions/

4 minutes ago, Tyler Durden said:

So they are not for profit organisations then?

Indeed - The only people that will benefit financially are the lenders (savers) so if there are people on the RT board will any significant investment in the union then they should probably be up front about it.

TBH I've tended to stick up for RT in the past but I'm not sure they're very representative any more. 

19 hours ago, Carnero said:

Assuming its a 12 month loan and the interest will fall as the balance is repaid over the 12 months, so it's actually 15% x the average balance (£500) so I reckon it'll work out at £1075 in his example not your £1150 ?

This - Remarkable the number of people opining on financial matters without actually understanding what these numbers mean. As @Tyler Durdenalludes to, this is imperfect but it IS better than using a loan shark/pay day lender. At least the credit union have a very clear calculator of what it will cost you to borrow the money.

That said, it think it was erroneous of Ramstrust to offer this advice. 

9 minutes ago, BramcoteRam84 said:

Think if there’s anyone still questioning the journalism on this, look at who has done this investigation. This is Forbes, not just some rag tag but one of the biggest most respected financial publications about. There is some serious s*** in these allegations, you read the first paragraph of the article and it just gets worse and worse and worse. It will be really interesting to see what comes of this but CK could be in a lot of trouble.

I was hoodwinked, conned. Hold my hands up, on basis that Q bragged about the entry process to avoid any tyre kickers and that the EFL twice reviewed him and passed him with the forensic accountant Trevor birch who sniffed out Alonso overseeing it. There are a lot of people CK has made look very stupid. 
 

Agree with an earlier poster, the guy is a pure narcissist and through the last 2 years has got close to golf legends and Wayne Rooney. We have dodged an almighty bullet here, and remember this guy was talking to Mel last summer before admin and was the person Percy was referring to as the “dream scenario” in that podcast.

Wow just Wow! 

I wouldn't question most of the journalism, just that some of it (as I mentioned earlier, the 'access to bank accounts') is a bit odd, any particular bank account doesn't tell you how your company is performing and you'd think they would know that! Agreed though, he's someone I'll follow closely.

I'm not sure I would have him down as a narcissist, definitely he craves the attention but there's a lot more to it than that - Once you've met 1 or 2 nailed on narcissists, you'll recognise the difference!

3 hours ago, Ghost of Clough said:

The administrators are legally obliged to accept the best offer for the creditors. The evidence presented to them (the EFL, and other parties) must have shown he had the money. The latest article from Forbes somewhat hints at why the money got held up.

As I told you several times in the past, the financial difference between 25% and 35% was only about £1m. An investor would have been better off investing Y2 and Y3 money into something else and cash in on those investments when Y2 and Y3 instalments were due. They would have made more than just £1m in interest off those investments.

And you rightfully got slated by my for the exact reasons I gave.

Let's not forget well regarded administrators have come out and said they wouldn't have dared touched this case due to the complexities. Sure, Q could have done some things better (a lot better?), but still managed to get us out of admin in around 282 days.

Wigan, with much lower debt and many more saleable assets took 272 days (and several PBs), yet didn't come under anywhere near as much ridicule.

Portsmouth were in admin for 427 days (2012-2013). Trevor Birch was the administrator for that one.

Odd that people struggle so much to understand the 25 v 35% issue, thanks for taking the time to clarify, again!

One question regarding the admins, are there any sources for this beyond Maguire, I'd just like to see their reasoning.

41 minutes ago, Reggie Greenwood said:

My DCFC App no longer works and when I tried to update it says no longer available on the Apple App Store. Any one else experiencing this or is it just me and my non techy ability 

Works on Android but as others have pointed out, it's out of date and there's no news, for tickets etc it just send you the mobile browser version of the web page.

It's an interesting piece, not without its issues - I don't understand the focus on 'access to the bank accounts', I know, literally, dozens of people who are producing financial results for major companies, none of them will have access to a bank account nor will they ever see a bank statement! Nevertheless it paints a picture that is probably far from unique in ambitious startups, lots of ingenuity, lacking in oversight and governance.

Either there's a smart guy with a gift for image and sales in there somewhere but someone who's compass has gone a bit awry, think Elizabeth Holmes or someone a bit more calculating manipulative and sinister, more of a Ruja Ignatova. I actually think more of David Brent - "Does a struggling salesman start turning up on a bicycle? No, he turns up in a newer car - perception, yeah?"

I am definitely one that was taken in, I probably thought that the EFL and Quantuma had done their dilligence ?. Still, I like(d) the guy, but that's his thing isn't it, his charm.

6 minutes ago, WystonRam said:

Make sure every field in the address area has some text in it, also don’t use autofill for payment cards manually type it all in.

Sorted, appreciate that. It's only 5 months since I bought tickets, my brain is like a sieve though.

2 minutes ago, WystonRam said:

Make sure every field in the address area has some text in it, also don’t use autofill for payment cards manually type it all in.

Ta - Will give it a go. Maybe the google card details are the problem, now WTF is my wallet?

Anyone else having problems making a purchase? Browser just hangs when I try to click the 'pay' button? If not, what's the best contact for the ticket office? Cheers.

5 hours ago, AndyinLiverpool said:

I think I'd rather do anything else.

The problem for me is that fancy dress is ostentatious 'fun'. There seems to be an assumption amongst those that like it is that if you don't like it, you are a miserable sod. It's the same with dancing, making lots of happy noises, singing at football etc. Some of those that do it think it's the only way to enjoy yourself. And if you don't, you must be a) a miserable sod and b) incapable of having 'fun'.

'Vibes' at large, crowded, noisy events are never good for me. So call me all the names you want (though I'm not sure why you did that), I don't consider myself a miserable sod. Just someone who has fun quietly.

It's part of the overtake of pretty much any event by 'ladism'.  As in, some people appear to be enjoying themselves, let's get stuck in, dress up and turn up in large groups, get smashed and sing footy songs. Great. The darts back at Circus Tavern was brilliant, there was plenty of beer, loads of chants about darts players (who'd have thunk it?) but it was actually about the darts....

Don't get me started on the cricket!

3 hours ago, uttoxram75 said:

He’ll be hoping he can somehow damage the club by association. 

Quite, franky another Mr P work too much time to spare.....

1 minute ago, CBRammette said:

I assume that is how he makes his income so probably not

He's a teacher.