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Everything posted by mad_manx

  1. In the past when natural gas prices fell they didn't pass on the lower prices to us. And from what I remember we were told that it's because they buy in advance so that prices remain stable. So they couldn't pass on the lower prices. Let's see what happens now after natural gas prices have increased ..
  2. 3 network does not charge for roaming in IOM. I know a few who have it and they are only paying what they need to The only catch with 3 is that you get only 12GB of data a month while roaming ( even if you are on a unlimited/ higher data package) .. Calls and texts to IOM numbers while in IOM are part of contract and free But if you text or call IOM numbers while in the UK then it will cost quite a bit I called them yesterday and it looks like they won't issue new SIM cards to IOM residents. They are allowing those who already have them to continue using them for the moment.. I have to look for another provider but it looks like mobile networks in many countries are setting up a cartel by only issuing SIM contracts to residents .
  3. Hi all Do the UK SIM cards still work in the IOM without having to pay roaming charges. Are there any data caps and does anyone have any suggestions on which provider works best these days? I need the SIM for a spare phone for calls and data ( with the ability to use it in the UK and maybe also roam ) My current local provider wants £12 a month to share my monthly allowance with a second SIM which seems to be a rip off. A friend suggested 3 network and I tried to set up a contract. But was unable to pass their credit check.. I have a very good score otherwise and not sure if this is because of our location? Are there any alternatives to 3 that work here. ?
  4. Yes..happens in every cycle ..Man on the street comes in only at the very end . I am very bullish on crypto and have been in space for nearly 9 years now. Wish I had held on to all my btc instead of selling quite early on . I still have some so it's not so bad after all..
  5. mad_manx


    It's by the same people at Vellikas.. Couldn't get a table over the weekend as they were full.. Menu looks interesting.
  6. What about gas for cooking? . I hate electric / induction hobs.
  7. What about people who want vaccinations..Isn't that the point of contact.. I remember having to call 111 to book mine..
  8. Thats a plug in which combines the best of both petrol and electric .. one issue with it is that it doesn't qualify for the cheaper EV tariff.
  9. I do that most days in summer.
  10. Long runs are great..But only happens when I am in the UK.. i think on the island the maximum I've driven in a day is around 60 miles or so and even that is very rare. On an average work day I do under 10 miles as home/ work etc are all fairly close .
  11. I have a self charging hybrid and while I wish I had a full EV like you I couldn't afford one at the time. The biggest issue in the IOM is that the driving distances are often short and are better suited for full electric cars rather than hybrids. The electric motor on a hybrid is quite tiny ( and so is the battery) that it can only power the cars for a few miles at the best and that too on a flat surface. If any more power is needed the petrol engine kicks in.. For someone driving around 30 or 40 miles a day It's probably worth it but I suspect that most of us do far less than that. The only time I get to see my cars efficiency is when I take it to the UK and that's not happened for the last 2 years :-(
  12. Did you give them the boot I doubt if it is intentional..Most UK chains use the same forms/ audio recordings etc in the IOM. Like whenever you go to Tk Maxx the store tannoy asks you to wear a face covering.
  13. I've had a look at my patient access info and it only shows details about my second dose of the covid vaccine Isnt it supposed to show details of both doses ?
  14. I've just switched to fibre and my nett bill for the Internet is far lower than before. Managed to get rid of my phone line and its much faster as well.. Bills before was around £55 or so per month with the phone line and vdsl 2 and I was getting only around 40 Mbps I'm now getting nearly the full 100Mbps and paying around £42 per month with fibre and no phone line ..
  15. I suppose that might be a way of collecting more taxes
  16. I don't think its a case of guaranteed speeds . There is no speed mentioned on the website You have to trawl through the website to find out what it is. This is what I found out Ultrafast is upto 100 Mbps for £48 Superfast is upto 200 Mbps for £58 Megafast is upto 500 Mbps for £83 Lightning Fast is upto 1000Mbps for £146 To be fair to MT I've spoken to a few people who have had fibre installed. Speeds are much better than over copper and is often fairly close to max speed quoted.
  17. You can save an additional £6 a month by supplying your own router. The fee quoted for the fibre broadband includes a router fee of £6 per month So it's £144 over the 24 month period that you sign up for..The router they supply is not worth even half that. They send the router pre - configured but its relatively easy to set one up if you buy one
  18. Price discovery is fine .. But accepting an offer ( at full ask ) and then withdrawing from the sale happened to two people I know. House gets listed again a few days later ( and sold ) at a higher price to someone else and buyer 1 is not aware till the sale goes through.. May not be the estate agents decision to withdraw from the sale and list again but would be nice if they let buyer 1 know that the house is back on the market.
  19. Lets hope that its not on ethereum. the transaction fee would have been more than what the coin may be worth 😀
  20. If you follow people like Saylor then it makes sense never to sell any bitcoin. Can always release equity against it at retirement etc when you need the funds (Using my btc and a few other crypto as collateral, I can borrow usdt which is a stablecoin and can be swapped to GBP at a rate lower than my current mortgage rate !!). I know that we do not have capital gains tax here but it is still better to borrow against it than sell.. While doing this I am prepared for major retracements and will not borrow more than 5 or 10% of the value of my holding. And with my crypto gains I can compound my return at nearly 50% a year using stablecoins as collateral and borrowing and farming using farming tokens.. So the recent dump has had zero impact on my profits which are all in stablecoins.
  21. Get a crypto card and can spend with it in any shop you want ( wherever visa is accepted) and you can get upto 8% cashback depending on how much crypto you hold.
  22. Only if they are on the blockchain On a serious note many people compare cryptocurency with the Tulip mania of the 1600's . I don't think there would have been a bubble if everyone who was buying into it knew how many tulips existed and how much each person had . Is crypto overvalued at the moment.Probably many of them are and many may not be Will the bubble pop. Of course there will be bubbles and subsequent market corrections on the way. Thats how stocks have behaved as well One thing which many forget when comparing the growth of cryptocurrency markets to the stock markets is that most of the 7 billion plus people on earth have access to it with only a few exceptions. Many of these people do not have access to a relatively stable currency either. Which is why I'm fairly confident of a bitcoin price of over 1 million USD in the next decade or two.. There are potential risks like attacks on the network which could make the whole network unreliable..
  23. Try binance. If you can do a kyc with them then you can transfer funds to and fro in minutes from your bank account . GBP deposits are free at the moment but withdrawals have a £1.50 fee. Binance does not charge a fee if you do limit buy or sell orders with a BUSD pair ( BUSD is their own stablecoin pegged to USD) So you can do GBP > BUSD and then to whatever crypto you want to buy and in reverse without any fee... ( only catch is that you have to be a maker i.e set up a limit buy ir sell order) The spreads are very good as well. If you hold their native token BNB then you can get their prepaid card which gives crypto cashback of upto 8% on everyday spend. However they seem to have closed this to IOM residents over the last month or so :-(
  24. Easiest way Is to route most of your expenses via crypto cards and save most of your real world income. No issues from banks or source of funds.. If you end up with more crypto income than your monthly spend then you can save in a mixture of stables/ btc to prepare for a bear market Can get upto 14% per year on stables anyway ( USDT / USDC or if you want to stay in GBP use TGBP ) and this will help during the bear market.. I can also borrow stablecoins against my btc if I want to at nearly the same rates as my mortgage. This is an additional way to fund my expenses without selling my crypto during a bear market.
  25. Which exchange are you using . 3 to 4% is too high !!
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