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Gus!!!111!!one!

I only count 3 rings so it should grow back pretty quickly.

Saylor said recently that he planned to have his keys destroyed on his death

Depends on what they mean by "keys destroyed". Destroying what they think is the only copy of the private key or seed phrase does not irrevocably destroy the coins. But transferring the coins to an invalid address (where no corresponding private key can exist to be able to transfer them on) does "destroy" the coins.

The current estimate is that ~18% of coins in circulation have been "lost" to various degrees. So it's possible to just knock off this percentage from the "market cap" for a less inaccurate measure.

(I agree that the concept of a "market cap" is nebulous, but that doesn't stop it being used widely in the finance world even for normal stocks. Best not to fixate on it too much.)

Plus of course there are vast amounts of that "market cap" that would be impossible to realise in any reasonable circumstances

£600m is nothing really. It's about 0.7% of the 24h trading volume of BTC. You could realise those coins over the course of a few weeks with very little movement on the price. In the last 24h 6% of the market cap of BTC was traded. More than likely you could arrange a direct deal with someone like MSTR or some other whale who wants to get into BTC.

Satoshi's coins are another matter completely, any movement on any of those early wallets would be picked up almost instantly by a lot of people who would take action based on that.

James Howells had 8,000 BTC. Satoshi has ~125 times that many (1,000,000).

You'd think people who lived on this soggy mess of an island would understand water and electric enough to cope with sockets in bathrooms but no.

I just use a US->UK adapter and plug my clippers into the shaver socket (which are perfectly allowed in UK bathrooms).

I'd have thought that over ten years of moisture and temperature extremes would make it completely inoperable

The actual drive platters are remarkably resilient, and they are in a very well sealed box.

If you did find the drive and plugged it in to a computer there would be almost a 0% chance that it would work.

But you wouldn't be doing that, as you say it'd go straight to a hard drive recovery company that has the ability (and a clean room) to transfer the platters to a housing that hasn't been in a dump for 10+ years and there's a >99.99% chance that the data would be recoverable.

That's assuming it wasn't mechanically mangled by one of the claws of the bin lorry when it was compacting things as it rumbled down the road.

I'm still pulling data off drives that have been stuck in a damp dusty loft for years along with being bounced around in various house moves. Many are completely hosed but I'm getting data off drives that are coming up 30 years old.

Some people suggest that this is exactly what should happen.

Interesting idea but there are so many barriers to it being possible to implement. Multiple depots? Shared depots? Who pays for what?

I guess where the analogy falls down is that trains are a necessary public service in a way that air connections are not. Therefore you need someone to run services on routes that aren't profitable, and to work out how to incentivise them to do that.

There are equivalent in the airline world, look up Public Service Obligation routes. These are subsidised routes that mean some regional airports are connected to the national hubs where no alternative public transport exists with a journey time of under 3 hours.

Shit is never off the market for agents. If they received a higher offer five minutes before exchange they'd be all over it.

Well, they are duty bound to forward on offers to the sellers.

This is a negotiation now, so negotiate. You'll both end up unhappy whatever the outcome here and in some ways that is the mark of a roundly successful negotiation exercise.

Pyrrhic compromise.

How is a monopoly good for capitalistic or socialist ideals?

There's not really much of an alternative you can do for rail travel. Splitting it up geographically just creates a bunch of separate isolated monopolies.

You can't have 5 different train companies running services between popular destinations (e.g. Guildford <-> Waterloo).

My point is that where monopolies are very hard to avoid is where you need proper oversight/regulation. Most Governments are weak in this respect and corporations often have better lawyers to work around whatever rules are in place.

The problem is that people create a false dichotomy of strict nationalisation vs privatisation, with whatever is currently not working being magically solved by swapping to the opposite extreme, and the detractors of the extreme (quite rightly) claiming that there's no proof that the opposite extreme will be any better.

Both can work, if they have the right oversight/regulation, but this has been sadly lacking for many years.

National Rail worked until the complacency set in. The Tories saw it as ripe for privatisation as "competition and the markets will fix everything" only for the franchises to be bought up by profligate corporations that were free to cream off profits whilst being heavily subsidised and rarely, if ever, being held to account. (See also water companies like Thames Water.)

The hard part (whichever path you take) is getting the oversight/regulation right.

Socialism and capitalism are both equally hard if you've got shit people in charge of things.

Life insurance is also a thing.

Sure, but trying to get flood protection on a shop on that street in Tenbury for a reasonable amount is like expecting to get Life Insurance for a 105 year old for a reasonable amount.

When £100k of cover costs you £50k/year then it becomes untenable.

FloodRE type schemes linked above try to mitigate these problems but eventually you reach the point where some things are just not viable in terms of insurance.

https://send.royalmail.com/?iid=RM0624_NAV_SEND is good, it'll tell you how much it is based on dimensions/weight.

You can then work out whether you can cover that with stamps.

Large Letter is anything up to 2.5 cm x 25 cm x 35.3 cm. The price depends on the weight:

• up to 100g: £2.50 (£1.55 2nd class)
  
• up to 250g: £3.30 (£1.90 2nd class)
  
• up to 500g: £3.30 (£2.30 2nd class)
  
• up to 750g: £3.30 (£2.50 2nd class)
  
  

1st class stamps are £1.35
2nd class stamps are £0.85
1st class Large Letter are £2.60
2nd class Large Letter are £1.55

As others have said, picture stamps are valid forever but stamps with just the monarch's head on them are only valid if they have a barcode. If you've got a load of old stamps without barcodes you can send them off for replacements: https://www.royalmail.com/sending/barcoded-stamps

My FiL had hundreds of old denomination stamps that he got to swap out.

A lot of the time I just use the royalmail website to print my own postage, stick it to the parcel and then post it locally (if it's small enough to fit into the postbox) or take it to the local post office or sorting office (both of which are half a mile away from me). Arranging the postman collection is unlikely to work for me as they'd probably come at an inconvenient time.

We also can't negotiate. We don't have any more money. We need them to reduce the price by enough to cover the work which I don't consider "maintenance" (It is past that), or we will have to pull out.

Yes. Tell them you want the money off that it will cost to fix these specific problems or you'll walk away. Be prepared to do so, even if it is a property you really want and you can already imagine how you're going to arrange the cutlery drawers in the kitchen.

My downstairs neighbour does all of this our shared freehold - she isn't an accountant or a solicitor.

The forms for removing/appointing directors with Companies House are pretty easy. No idea about actual tangible share certificates though, I don't think we bother that much.

I'd agree it's a solicitor job though, not an accountant.

I have a chunk in one pension which I paid into from 2001 to 2014. That's stuck where it is unless I end up working somewhere which will allow the amount to be transferred into the new pension.

I had 4 pensions (despite only having two jobs that gave me a pension):

• company 1 before I moved to the US (A)
  
• company 1 after I moved back from the US (B)
  
• company 1 after acquisition (C)
  
• company 2 (D)
  
  

Pension C is the largest, and was only charging 0.19% each year (even though I'm not paying into it any more) so I left it alone.

Pensions A and B were charging >0.5% each year so I transferred the contents into my current employer's pension (D) which just happens to be the same provider as pension A. Pensions generally have lower rates if you're actively paying into them too.

Pensions A, B and C were all long before the NMPA changes in 2021 so all should have allowed me to take them from 55 but the rates and amounts of A and B were such that it made more sense to roll them into the current one (D), so that will be 57 before I can touch that.

The point I'm labouring is that moving an old pension to something new may mean you can't collect it from 55 any more, as it would default to the new pension setup of 57. But you'd need someone qualified to be able to make sure as every pension/situation is different.

Leaving C alone means I'll be able to take 25% of it at 55 if I wanted to. I'd hope to have my mortgage paid off and to be retired before 55 (I'm 48 now) so I'm going to need to be in a position where I have savings/income before I'm able to get anything at 55. It's then a long wait (12 years at least, probably more) until I'd be able to collect any state pension.

Eurgh, isn't that so...

Well, it helps to pay for society, etc.

I should know all of this, but are the tax rates as per income tax?

Yes, when you get your pension it's treated as income and income tax is due as expected.

The age 55 or 57 thing will depend on your age, when you took your pension, etc. As long as I keep one of my old employer pensions I'll be able to take that from 55. My more recent employer pensions will all be from 57 (as the age changes to 57 from 6th April 2028 and I won't be 55 before then). If I moved my oldest employer pension into a new pension I may lose the ability to get it at 55. Google NMPA for more info on all of this.

As a generalisation: when saving you either:
a) Put money from your pre-tax salary into something like a pension and it is taxed on the way out.
b) Put money from your post-tax salary into something like an ISA and the results of that are tax free.

The point is that by the time it gets into your grubby hands you have paid tax on it at least once.

Yeah, no £1m PB win and so the relentless drudgery of wage slavery continues.

Got better than 5% on the year though. Thanks PB.

:thumbsup:

Put a sock on in it!

3 seconds to google: https://www.johnlewis.com/seletti-jobby-the-cat-table-lamp-black-white/p112764418

Like Dura Ace and Super Record, but we all want it on our bikes

Not all of them. I want a few bikes that are a bit more "common" than the others.

Mogg is cosplaying because he married into the aristocracy.

one that investigations and deals with allegations faster and more thoroughly.

do you have any examples of these? none are springing to mind, for me.

They're not that newsworthy as a predator who makes lewd jokes is suspended and removed before it escalates.

Failing to act often emboldens them and they go on to build up a litany of allegations which becomes very newsworthy.