Martin Brint

952 posts

Martin Brint

Martin Brint

@MartinBrint

Financial Adviser, Runner, ECFC fan, Music Fan. I was in a band once you know.........

Exeter Katılım Ağustos 2012
399 Takip Edilen103 Takipçiler
Ross Stevens
Ross Stevens@rossstevens_uk·
Online accounts be like, do this on social media, or, do that on your website. But since joining a running club, I've made around 10 new longterm clients. And they're all good friends. Just putting yourself out there and living fully creates opportunities.
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Adam Langley
Adam Langley@BuildHackSecure·
Woohoo! 9000 followers, thank you :)
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Mark Heath 🇬🇧🏴󠁧󠁢󠁥󠁮󠁧󠁿🙏🏻
Feel free to add your unanswered questions ref the Liverpool attack Here’s a few to get things going… 1) Why has the driver not been named? 2) Why are authorities saying the driver was a 53yr old British man? 3) Why were snipers present for a football parade? 4) Why were the number plates removed? 5) Why are there photos circulating showing the driver in camo trousers with radio 6) Where are eye witness accounts, why silence I am sure there are more????
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Martin Brint
Martin Brint@MartinBrint·
@guirivaud @ECFC1931 I’d be surprised if we ‘let him go’. I would think he’s been offered a wage that we can’t match. Always felt he can down to play and be in the shop window for a bigger club
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Adam Langley
Adam Langley@BuildHackSecure·
This is what rich looks like. Me and my son taking part in our first CTF together. We had to bow out due to time constraints but managed to get to 76 out of nearly 300 teams. Not a bad start!
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Moving Home with Charlie
Moving Home with Charlie@moving_charlie·
Buying a £300k home with a 50k deposit and a 30yr 5% mortgage for the balance means you need to sell it for £965,000 at the end, just to break even. Your £300k home with a £250k 5% mortgage over 30 years will actually cost you £513,000 including interest, excluding maintenance. So you won’t make any “profit” on it until its value exceeds £513,000, AND THEN you need to adjust for inflation. 30 years of inflation even at just 2% means it will need to sell at £965,000. TO BREAK EVEN. See why renting and investing might be a faster way to ownership? To determine the future value of the home needed in 30 years to break even on all costs, including the mortgage interest and accounting for 2% annual inflation, we need to calculate the total cost of the mortgage (principal plus interest), adjust it for inflation, and ensure the home’s value covers this amount plus the initial deposit, also adjusted for inflation. Step 1: Total Mortgage Costs From the previous calculation, for a £250,000 mortgage with a 5% interest rate over 30 years: •Total interest paid = £233,059 •Principal = £250,000 •Total mortgage cost = £250,000 + £233,059 = £483,059 Step 2: Adjust Total Mortgage Cost for Inflation Inflation at 2% per year over 30 years increases the future value of money. We use the future value formula for inflation: [ FV = PV \cdot (1 + i)^n ] Where: •( PV ) = present value = £483,059 •( i ) = annual inflation rate = 2% = 0.02 •( n ) = 30 years Calculate: [ (1 + 0.02)^{30} = 1.02^{30} \approx 1.811361 ] [ FV = 483,059 \cdot 1.811361 \approx 875,054 ] The inflation-adjusted total mortgage cost in 30 years is approximately £875,054. Step 3: Adjust the Initial Deposit for Inflation The initial deposit is £50,000. Adjust this for 2% inflation over 30 years: [ FV = 50,000 \cdot 1.811361 \approx 90,568 ] The inflation-adjusted value of the deposit is approximately £90,568. Step 4: Total Future Value Needed to Break Even To break even, the home’s future value must cover: •The inflation-adjusted mortgage cost (£875,054) •The inflation-adjusted deposit (£90,568) [ \text{Total future value} = 875,054 + 90,568 = 965,622 ] Step 5: Final Answer The home’s future value in 30 years needs to be approximately £965,622 to break even on all costs, including the mortgage interest and accounting for 2% annual inflation.
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Martin Brint
Martin Brint@MartinBrint·
@AlanJLSmith This post makes no sense to me....I obviously need a lot more educating than my 30 year old economics degree. It's saying the problems are ....inflation and merely glosses over the fact that wages haven't kept up with it, which is the actual problem. Isn't it?
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Alan Smith
Alan Smith@AlanJLSmith·
Can you see what’s happening? People are blaming each other for the state of the economy: - Rich v poor - Old v young But they’re ignoring the real issue: There’s a huge problem and its root cause is the fact that our money system is broken. The £ in your pocket today is worth 50% of its value in 2008. And now: - Young people can’t afford to buy their own home. - They can’t put down roots and raise a family. - The birth rate has collapsed. - We have a mental health crisis. - An obesity crisis. - Crime at record levels. At the same time, tax rates are the highest in 70 years - and yet the government has to borrow more and more money to fund its spending. This creates inflation, wages don’t keep up and property prices become unaffordable. Since currencies abandoned the gold standard and introduced the ‘fiat’ currencies we have today, the value of our money has fallen every year due to inflation. No one should ever have to work for a currency that others can print at will. The foundations are corrupted. Our money is broken. This is the real problem. Educate yourself.
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Martin Brint
Martin Brint@MartinBrint·
@AlanJLSmith Sterling left the gold standard nearly 100 years ago. Are you saying we didn't have inflation before then??
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Martin Brint
Martin Brint@MartinBrint·
@moving_charlie If a business/person/government's income reduces, they have to make cuts. In this case, some is in benefits. If their income increases, we don't know that they won't then increase payments on benefits. You can have an opinion and assume they won't. Am I missing something here?
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Moving Home with Charlie
Moving Home with Charlie@moving_charlie·
The genuinely astonishing thing about this "tax the rich" movement, is how many proponents seem to think that if the government gets more money, it will make poor people better off. For that to happen, you'd have to believe that the government didn't just cut benefits.
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hacker.house
hacker.house@hackerfantastic·
Life in the UK is so wonderful right now, just having some beans on toast.
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Adam Langley
Adam Langley@BuildHackSecure·
@MartinBrint I don’t know why I even bothered asking the first one.
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Adam Langley
Adam Langley@BuildHackSecure·
I’m at the airport, am I crazy or is this a microphone hanging down from the ceiling?
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Martin Brint
Martin Brint@MartinBrint·
@HatTipNick It's real but, serious question. What is it about it that bothers you?
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Martin Brint retweetledi
Danny Boy
Danny Boy@Care2much18·
This wildly misleading tweet, and the mostly hateful replies, is like entering an alternate version of reality. If anybody is interested in the truth behind this claim, and what that Swedish poll actually asked, I'll go through it. Probably banging my head against a wall. 😂
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