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    Dismal performance of the European stock markets since year 2000

    You can switch between price and total return versions of the index here: https://www.stoxx.com/index-details?symbol=SX5E By my rough calculation, the average total annual return is about 2.4% over the last 19 years. Indeed the price-only version is underwater for the same period. On the other...
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    Best Low Cost S&P Index Fund Options

    Don't waste money hedging the currency "risk" - most of the S&P 500 index is composed of large multinationals so there is a negative correlation between the index and the currency which provides a natural hedge. You could see this effect after the Brexit vote, GBP fell sharply but the FTSE100...
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    are stockbroker fees high

    Could you provide a point towards any one of these brokers which offer zero fees for trading shares? Or one that allows you to buy or sell say a Eurex futures contacts for 1 euro? Knowing how exchanges charge wholesale, I believe that either your claims are exaggerated or that this fee...
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    Want to Invest but worried about Markets

    Indeed, it doesn't take genius to "predict" what happened in the past. It's especially handy that even if the past behaviour is somewhat inexplicable, you can fall back on conspiracy theories. You are guaranteed to never be wrong. Look at last weeks lottery numbers: 2, 4, 5, 27, 40 and 47...
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    Want to Invest but worried about Markets

    The best advice is simply to buy equities if you want a return on your savings. There is no other way. It's not easy advice to follow - at every single point in time since I first bought some ETFs over 15 years ago, it's been a bad time to buy equities by all accounts. In fact the more...
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    Could the UK not have free trade with the EU without free movement of people?

    The UK will not reject EEA membership because of freedom of movement. Over 70% of UK immigrants are from outside the EU - from ex-British colonies. Admitting these people into the UK had nothing to do with the EU and if the UK wanted to restrict this immigration, the were completely free to do...
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    Could the UK not have free trade with the EU without free movement of people?

    You've been given plenty of benefits of the right for EU citizens to work in other EU countries - which you acknowledge - but then you ignore these reasons and repeat the word "ideological" like a mantra. It's no more ideological than insisting on the freedom of movement of microwaveable...
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    Could the UK not have free trade with the EU without free movement of people?

    I don't really know what you're trying to achieve with this line. Of course you can have an economic block without all of the freedoms. We could have an EU with no free movement of services. We could have one without free movement of capital. You could even restrict free trade to goods that...
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    Could the UK not have free trade with the EU without free movement of people?

    The vast majority of that 1 million are family - children, parents and husbands/wives of US citizens. The H1B program (for skilled workers) is restricted to around 80k a year. Your friends' experiences are not representative. No it does not - this has already been pointed out. The EU only...
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    Could the UK not have free trade with the EU without free movement of people?

    I thought you did not see any economic benefit to allowing people to bring their talents to other countries? So not only does the US benefit from a national talent pool of 300+ million people, they also allow immigration. This is exactly the reason freedom of movement is integral to the...
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    Could the UK not have free trade with the EU without free movement of people?

    I work in a small profitable office which is made up of a team of experts from over 10 different EFTA countries. Assembling such a team would simply be impossible without freedom of movement. There is no way a European company could compete in this business area with one from the US, say...
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    Quantitative Easing - Why is it damaging our society and what can be done to fix it?

    I actually think it is constructive (ignoring the personal gibe in your last post), but I can accept that it's not pleasant to have your arguments challenged. Your original statement on how bond holders lose money through QE was clearly enough stated: This was the very basis of your argument...
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    Quantitative Easing - Why is it damaging our society and what can be done to fix it?

    Why would people sell their bonds to a central bank for less money than the market is offering? If market yields are currently 0.5%, the CB has to offer to buy at 0.5% or less. Maybe it's the use of yields rather than prices that's confusing the discussion. I can state the question...
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    Quantitative Easing - Why is it damaging our society and what can be done to fix it?

    Well it's not obvious at all to me in the case of bonds either! Why would anyone voluntarily sell bonds yielding 2% in order to buy bonds (or the equivalent - say put the money into government backed term deposit accounts) which paid 0.5%? How would the government be paying "way over the odds"...
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    Quantitative Easing - Why is it damaging our society and what can be done to fix it?

    If you hadn't repeated variants of this claim many times, I would have assumed a misunderstanding on my part. To claim that there has been no transfer of wealth makes no sense. I, as an owner of equities, am wealthier as a result of rising equity prices. Similarly government bond holders are...
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    Another Credit Union gone to the wall...

    Wizard, so do you accept that the requirement that an officer have responsibility for compliance is reasonable? You seemed pretty adamant earlier that this was an oppressive requirement for organisations handling millions or tens of millions of the publics savings. Thanks for the...
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    Another Credit Union gone to the wall...

    Dr Wizzard, your post is quite long so excuse me if my summary misrepresents you. Your first main point seems to be that it is unreasonable to demand that an officer of each CU be designated to ensure compliance with regulation? I don't understand this position unless you also object to any...
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    Why should I have to pay for someone else's high speed broadband?

    Indeed Leo/Brendan, you need good coverage for 3/3.5g to work well. Jim, I'm simply not convinced by the argument that it's always better for the government to something rather than nothing but I'd like to side-step an argument about ideology. But saying it is better to deliver something...
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    Why should I have to pay for someone else's high speed broadband?

    I'm assuming this will not go ahead but if it does, one thing I can confidently predict is that at the end of spending hundreds of millions, there will be cheaper and more effective/powerful technologies available. The government will either invest in something which is guaranteed to be...
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    BOI Tracker Rate - Advise on appealing to High Court

    Nonie, I feel your anger over your mistreatment by the bank is completely clouding your judgement. Unfortunately angry people often pursue actions which are not in their best interest. Ask yourself why not a single person here thinks it's a good idea that you take your case to the High...
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