Jasper Hall
@jasperinvests
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Following
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Statuses
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7 years in crypto & stocks. Business & finance posts. Don’t take my opinions as advice.
Joined October 2020
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@Streplic
@StokeyyG2
you need over 10k followers and 5m impressions per month for a min of 3months i believe
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@TateTheTalisman
Let me guess
We won't see any updates on this in the mainstream media
It will all go silent
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@MartinSLewis
@hmtreasury
@WhichUK
@TheFCA
@CitizensAdvice
BNPL might be interest free, but it leads to people overspending.
Harmless at first, but when inflation increases all other bills, even interest free debt gets out of hand.
What you can afford today can become unaffordable tomorrow.
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@MartinSLewis
If people have time to criticise you and your life, they clearly don’t have one of their own!
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@theRealKiyosaki
"If you can’t afford a whole Bitcoin you may want to consider buying 1/10 of a coin, via the new ETFs or Satoshi’s.
If the Bitcoin process works as designed you may own a whole Bitcoin by the end of this year."
Where does the other 0.90 Bitcoin come from? You'll own 0.10
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@MartinSLewis
I'm still annoyed at the price of Freddo's
He's grown up, got a mortgage and handed us all the bill
99p in some areas 🤯
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@DefiningWealth
Imagine winning $1bn and not even getting half of it
The tax man is the real powerball winner
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"Bitcoin is only worth what someone else is willing to pay for it!"
You mean like pretty much every asset on earth?
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@MartinSLewis
I don’t think any country should be labelled as a religion.
It’s up to the people which religion they’re part of.
But then again, I’m just another person on the internet, so who cares.
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@SimplyBitcoinTV
@worstcontrarian
CommBank has introduced these limits to keep you within our frauds and scams ecosystem*
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@rajatsonifnance
For them to allocate 1% of their total AUM to the Bitcoin ETF, they'd need to buy 20x what they hold today (c.90,000)
1.8 million Bitcoin.... And that's just Blackrock.
Don't sell your
#Bitcoin
to Wall Street
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Them: "Credit cards are bad"
Me: books a 5-star hotel for 7 days in Mallorca, plus flights & car hire with avios
- Never paid interest
- Purchased what I'd have bought anyway
Is the card bad, or your discipline?
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@ML_Philosophy
You learn to be comfortable in your own company
You can focus on getting your financial foundation set up before working as a team
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@MartinSLewis
Do we want a population treading on egg shells, afraid to say what they think due to the risk of their bank being shut down?
Are the banks there to hold money that you control, or are they there to control your money and how you spend it?
There's a fine line.
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I love index funds because they wipe their own arse
If a company is failing, it's booted out and replaced with one that isn't
Price: 0.06% per year
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@MartinSLewis
If we’re selling used items at a loss (as we bought them for higher), can we now deduct that off income tax?
Only seems fair.
Or at least write off some depreciation as they’ve lost value.
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Normal is:
- 350k mortgage
- Cubicle for 40 years
- 5.2k credit card debt
- 20k+ in student loans
- 45min work commute
I don't know about you, but normal isn't for me
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@MartinSLewis
I bet the banks will be quicker to drop savings rates than they were to increase them
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@MartinSLewis
Quick bit of advice:
Don’t spend £9,000+ per year to go into a job that makes under £30,000.
Pick something high value/high income that you can enjoy.
I hate to see people with degrees (and debt) that they don’t even use.
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Net worth isn't the goal.
Income is.
Person A has $5,000,000,000 in gold bullion, unable to be sold or borrowed against.
Person B has $5,000,000 invested paying $250,000 per year.
Would you rather have gold or $250k per year?
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@MartinSLewis
You should be paid based on the value you provide...
So make their income performance based on how much they improve their constituency
Money wouldn't be wasted if their income depended on how it was spent (invested).
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@EricBalchunas
Coinbase conveniently crashes when price hit $70k
3 times in a row. Smells a little like market manipulation to me
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@MartinSLewis
a lot of landlords use a management company.
if you're reliable and "low maintenance", negotiate with them to ditch the management company and knock the saving off of your rent. (usually 10-12.5% of gross rent).
im no longer a landlord but another thing id do is save a portion
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Your spouse can be your best or worst investment
There’s a 50% fee if you get it wrong
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Investing in the S&P500 from outside the U.S?
You need to know this:
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£1,000/month mortgage budget?
July 2022: £250,000
July 2023: £155,000
Still want £250,000? It now costs £1,611/month.
A 61% pay increase for your lender, or settle for a mortgage 38% smaller.
The 2023 mortgage crisis.
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@MartinSLewis
Why don’t they just print more money to fund both options?
They’ve been doing it for decades already.
There’s no cap on the money printer 🤷♂️
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Remove "just" from your vocabulary.
It's just not needed.
Don't soften your message.
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@MartinSLewis
The banks don't care. They're going to become even bigger landlords to the nation as the amount of renters increases.
We were spoilt with artificially low interest rates, leading to people taking out mortgages well over their budget.
To make it worse, people with equity as
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@MartinSLewis
Have you seen the quality of these new builds? More emphasis should be put on that VS volume.
We need to take copy and paste off the developers keyboards as well.
Overpriced, poor quality, and all look the same.
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@BritishHodl
$1.25bn in fees would account for 7% of their gross 2023 revenue
Blackrock want number to go up, not down
And then there’s the other 8.
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Buy index funds and get on with your life.
Focus on business, family, and health instead of your portfolio.
I invest to free up my time, not take more of it.
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@MartinSLewis
Clicked "still" before seeing "tap" 🤦♂️
Love a trip to a local restaurants to help support them. Some amazing steak houses near me.
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@dotkrueger
I’d 100% rather go for decentralised lending on
@THORChain
than on a centralised platform like blockfi/Celsius/nexo etc.
We all know how they end up…
Doing more reading up on how thorchain lending works but seeing plenty of great feedback!
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Your salary doesn't pay for your commute.
You're paid 9-5, but sell your time from 8-6.
Turn off the radio and turn on an audiobook.
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“I have no money to invest”
*373 tattoos, 45 piercings, 2 LV belts & 6 pairs of Yeezys”
You do have money to invest.
It’s a prioritisation issue.
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@MartinSLewis
Check the comments under the Daily Mail for a laugh.
The easiest way to find bitter people is to check article comments.
How can anyone expect to have a positive day if it starts with the news?
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Unpopular opinion:
You're not a homeowner until it's paid off
Miss a payment and you'll find out who owns the home
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@MartinSLewis
I don't think I'd ever not "work" in some capacity.
I would transition into working on what I want, rather than what I have to work on.
Your health will decline very quickly if you stop and spend all day watching Emmerdale.
Keep your brain active!
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@rajatsonifnance
The rabbit hole is being entered this week
Can’t believe I haven’t read this one yet
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Results won’t be linear.
If you can’t stomach a drop in your portfolio, don’t invest… Yet.
You first need to work on your mindset.
You need to prepare yourself for volatility.
We’re human & we want control. We hate risk & discomfort.
Stock tips off your mates won’t give
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@ImMissJJ
@MartinSLewis
Yes, unless the interest is paid monthly and that interest also earns interest, as then it would be £510 ish.
Simple interest VS compound interest
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@WatcherGuru
It saddens me that BlackRock owns the Bitcoin and not their clients.
Take your Bitcoin into self custody if you have the choice.
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@rajatsonifnance
I love when people say it’s “speculation”
With every investment on earth you’re speculating the price will increase or it’ll keep paying you 😂
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@Budgetdog_
Nope.
Give me a barn conversion in the countryside with no neighbours, a bit of land and natural light.
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The mortgage crisis:
2-year fixed deal today: 6.55%
2-year fixed deal 12 months ago: 2.1%
On a £225,000 mortgage:
Old payment: £965
New payment: £1,526.
58% / £561 increase.
Ouch.
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@MartinSLewis
Does the country actually have the infrastructure to cope with the electricity demand?
I can imagine a time where people are queuing at services stations to charge their car.
Not sure the mining, charging, & battery disposal (landfill) is best for the environment, either.
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@MartinSLewis
My grandad's jumped from £240 to over £1,200 on the auto-renewal quote.
Called me panicking... Added him to my multi-car policy for less than £240.
He's 89 and does under 1,000 miles/year - how many more who are 80+ are being pressured into these increases?
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The banks take your deposit and invest it to make more.
Why don’t you treat your pay check the same?
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Still (maybe) my favourite alt project
So bullish on $RUNE /
@THORChain
this cycle. The flywheel is real.
Been in my portfolio a while through multiple ups and downs.
Never lost faith as the team is always building!
From sub $1 to …? How high can it go 🤷♂️
So
@THORChain
currently has space for 17.82m RUNE worth of collateral for new loans.
At a $RUNE price of $11, this is ~ $200m worth of collateral that can be deposited into TC.
50% of loan collateral is used to market buy and burn $RUNE.
This creates a price agnostic $100m bid
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1 goal for this week:
Reduce this to 0.
Anyone relate?
Go on… Who can beat me?
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@MartinSLewis
If it sounds too good to be true, it probably is.
I'll stick with my low cost index funds for a long term average of 7-8%.
Time tested, well diversified, and not a get-rich-quick scam!
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@bernardojose99
@MartinSLewis
In the 80’s people weren’t buying 2023 essentials like Yeezy’s, £80/month phone bills, a leased Mercedes, Gucci socks on 3 months finance and an all-inclusive trip to the Bahamas on a Buy Now, Fly Later deal.
There are more ‘things’ to buy now VS in the 80’s.
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@MartinSLewis
I was in Sydney aquarium watching the sea cows (Dugongs) swim around and one dropped a little floater.
No, I'll never grow up. Yes, I caught it on video.
I might have been the only adult to find it amusing.
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@MartinSLewis
@hmtreasury
@WhichUK
@TheFCA
@CitizensAdvice
This is also the issue.
You can even buy a takeaway pizza on 3 month finance!
The loan repayments won't taste as good as the pizza
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10 rules of money:
1. Keep liquid
2. Save 10%+
3. Study wealth
4. Know your goal
5. Build a business
6. Value time & money
7. Do meaningful work
8. Design your lifestyle
9. Respect the wealthy
10. Buy cash-flowing assets
What would you add?
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Do you have a long-term mindset?
Days are turbulent.
Years are semi-predictable.
Decades show who put the work in.
Are you doing the work when no one's watching?
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@DecadeInvestor
Dividends all day
Don't have to deal with tenants taking a dump on the floor with dividends
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“In 1970, my grandma bought her house for 50,000. It’s now worth 550,000!"
"500,000 profit, wow!"
Opportunity cost?
Inflation adjusted?
Mortgage interest?
Maintenance costs?
You can't calculate profit without all costs.
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@FluentInFinance
Amazing.
So you are penalised for having a good credit score?
Interesting move.
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@MartinSLewis
You can't earn cashback or flight points on cash, so next to never.
4 years of collecting points will pay for a trip to Mallorca next year for me and the family.
Unfortunately the world is going cashless, so you might as well get paid for it somehow.
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@LayahHeilpern
Greta Thunberg is influential and promotes an agenda for free (supposedly)
99.9% would take the $100m
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@WatcherGuru
Of course he’s bullish. He wants that fee revenue 🤑
If you can, self custody all the way. Make it your own.
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Always interests me how top earners spend & invest their money.
Footballers on $30+ million per year.
Other than the obvious luxuries, where does it all go?
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@WatcherGuru
And I bet people laughed at him at the time.
I wonder who’s laughing now, no-coiners
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@JScottWildlife
@MartinSLewis
@bbc5live
Depends if you can make more than £40k by investing the £200/month elsewhere.
Either way overpaying is a guaranteed return, so it's better than not overpaying or investing elsewhere!
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@parhamesque
@dotkrueger
It’s lending native Bitcoin only - there is no wrapping involved on
@THORChain
/ Lends
Native only.
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It’s race week.
I’ll be signing off Twitter for a little dopamine detox.
Got to get the mind and body in the right place to dig deep 🙏
Ironman 70.3 events are no joke and anything can happen over 4 hours.
Have a great weekend everyone and I’ll be back on Monday 🤙
Can I
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Stop caring about what others think.
Easy to say, hard to do..
Here’s a story I've never shared:
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@MartinSLewis
Bit of both.
I run my clothes until the death, then upgrade to whatever's fashionable and a need.
Never buy cheap, but don't buy often either.
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@MartinSLewis
It's painful to watch how UK money supply increases and is then wasted on spending that won't lead to economic growth.
Money that's programmed to lose purchasing power every year isn't fun for people with no assets!
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@MartinSLewis
If you're willing to zoom... This is the offer.
- Open a HSBC Advance current account (don't need to switch to it)
- Pay in £1,500. Make 5 payments on the card. Log into the app. Then, open a multi-currency account.
Get £125 first, then £80 at a later date (April 2024)
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You’ve received a DM.
A 20-year old is asking how they can build wealth.
What’s the 1st piece of advice you’d give them?
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I’ve raced 23 triathlons since 2018.
My Ironman 70.3 time has gone from 5:53 to 4:08.
Here are 5 lessons I’ve learned from sport (for life & business):
FYI, Ironman 70.3 distance is:
• 1.2 mile (1.9km) swim
• 56 mile (90km) bike
• 13.1 mile (21.1km) run (half marathon)
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@MartinSLewis
@bbc5live
Getting this little blue whale piggy bank from Co Op to put my pocket money in.
Still got it today!
Saved the £12.50/week from my paper round in it for years 😂
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@binance
Follow Elon Musk, Lindsay Lohan and Mia Khalifa for tips on where to put your money prior to a pump and dump.
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1.5% management fees should be illegal.
After 30yrs:
- 1.5% = 31% smaller portfolio
- 0.2% = 3.6% smaller portfolio
Is your advisor acting in your best interests?
It pays to shop around
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You won’t get lucky watching Netflix
Go out and help people with their problems
The more you serve, the more you earn
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@Budgetdog_
My cousin has a degree in art history.
She now makes $350,000/year, travels the world working 100% remote and this is all a complete lie
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“Social media is so toxic!”
I haven’t seen a single “toxic” post in years.
Filter your experience to avoid what you don’t like.
Curate it to help you, not hinder you.
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Every big account now asks a daily question
You don’t have to tell us you’re desperate for ad revenue
We can tell
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@AlexHormozi
Build leverage using media and code, not your own time.
This is why I love digital products.
You build once and sell forever.
You freeze your time and sell it indefinitely.
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@Jazz_Lusher
@Cobratate
@AmeegoNetwork
@AlphaEra
Seeing too many posts like this
Haters don’t wanna believe it
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Buying the S&P 500 from the UK🇬🇧:
1. Your GBP is converted to USD
2. Your investment now fluctuates in USD
3. When you sell, your investment converts back to GBP
Even if the S&P 500 rises in value, you could lose due to the exchange rate.
Applies to any US investment 🇺🇸
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Stress in 2023:
- $7,350 credit card debt
- Liabilities over your income
- Interest rates 4% above last year
- Max mortgage amount borrowed
“Money won’t make you happy”
True, but it solves the above
They won’t make you happy either
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🇬🇧Average UK pension pot by age:
16-24: £2,700
25-34: £9,500
35-44: £30,600
45-54: £81,200
55-64: £189,700
65-74: £190,000
75+: £90,300
Work 40+ years for £190k, then able to withdraw £5,700-£7,600 pear year?
This is not for me
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