Richard46
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Post by Richard46 on Dec 15, 2016 11:59:21 GMT
Thanks all of you tis appreciated but now I feel a tad guilty as although I am definitely 70 this week it is not actually today; I am a bit paranoid about putting accurate personal information 'out there'. (e.g. no facebook for me). Nothing too strenuous in the party department this year either I am afraid. A few good friends around and daily visits to the local dressing clinic are going to be the highspots this year. Still on the mend and nothing serious so looking forward to my 8th decade. Wife has bought me a pile of vaping toys though including a Lost Vape Therion 75DNA so can spend my birthday week struggling with the wonders of escribe. (and no doubt coming on here desperately asking VapingBad and anyone who will listen for help)
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Richard46
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Post by Richard46 on Dec 5, 2016 19:47:49 GMT
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Richard46
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Post by Richard46 on Dec 4, 2016 16:36:04 GMT
Flavouring concentrate will also alter the PG/VG ratio one way or the other depending on if it PG or VG based. Most is PG based I believe
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Richard46
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Post by Richard46 on Dec 1, 2016 8:32:26 GMT
indeed wight which I calculate as about 44p per ml of 100% so we are looking at a ten fold price increase even before any tax.
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Richard46
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Post by Richard46 on Dec 1, 2016 8:09:52 GMT
Never mind waiting for the tax man by my calcs* the price per ml of 100% nicotine has gone from about 60p to £4.40. *I am comparing Darkstars price of £41.99 for 4x250ml of 7.2%** with their 18 bottle 2% deal above. I could have made a mistake surely I must have! No criticism of DarkStar here that is the cheapest post TPD nic offer I have seen and I have no idea how much more it will cost to retail the stuff under these ridiculous regs. **they do cheaper packages than that too.
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Richard46
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Post by Richard46 on Nov 29, 2016 21:14:21 GMT
hypnoclownI notice that you say you had to go back to smoking when your mod gave up the ghost. Can I suggest that if possible whatever you get you get a back up.
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Richard46
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Post by Richard46 on Nov 29, 2016 15:00:05 GMT
I am eyeing up other peoples freezers; starting conversations with do you eat a lot of frozen food? I hear it is bad for you; Did you know empty spaces in freezers make them inefficient? etc etc.Not worked yet.
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Richard46
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Post by Richard46 on Nov 20, 2016 18:54:46 GMT
Main thing is it will almost certainly be illegal to sell any nic base above 20mg in the UK. You either need to stock up on 72mg or hope you can import it.
Everything Liquid and Darkstar (among others) are usually recommended on here for nic base.
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Richard46
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Post by Richard46 on Nov 20, 2016 14:20:04 GMT
Bank loan... yup, you're looking at £120 interest. Low rate CC... £60 interest. High rate CC... you don't want to know. (£240 is easily possible 'created' by these sharks) The very low rates CCs are more often to entice balance transfers. I would try some of the supermarkets, but be aware, they often turn down customers on the lowest rate, offer them a higher rate and by that time the customer just accepts it. I'd try and wangle and extension to the overdraft, but also be aware, some flexible (interest-bearing) overdrafts are more expensive than they seem. I used one once that would have cost me about £200. A straight no-nonsense CC could be a god idea. No introductory sh**, no balance transfer gobbledygook, just a rate of 6.9,7.9 or 8.9% Lloyds kill on charges if you mess up. Santander wouldn't know how to do customer service. Absolutely not M&S... these 18.9% cards are criminal. Tesco? A few years ago I would have been the first to agree with that about Santander. But my experience of them over the last 3-4 years they have been excellent.
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Richard46
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Post by Richard46 on Nov 20, 2016 10:20:24 GMT
Thanks richard... so what would be the best way of borrowing 1500 ish? I do still like the idea of having a back up card for emergencies ONLY. We are very good with money so it wouldnt get used for anything else but emergancies and this one off purchase. If this purchase is not an emergency then my advice is don't borrow to pay for it. Especially if you already have nothing set by for a real emergency. Sorry I come from a family of bankrupts and I tend to be a bit paranoid about debt. If you are going to borrow then could you get a card with a low or zero interest free introductory period? These do exist (Barclays?) but I am no expert on them and dont forget any problem and you may be paying 20% or more annual interest.
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Post by Richard46 on Nov 20, 2016 9:56:57 GMT
I rarely buy using anything but a credit card. The secret is to only use them to buy what you already have the money for. Pay off the WHOLE balance each month and for free you get. 1 The best consumer protection available. i.e You are protected by Section 75 of the Consumer Credit Act whenever you make a purchase for goods or services worth between £100 and £30,000 using your credit card. Section 75 states that you and your credit card provider are 'jointly and severally liable' for your purchase, meaning if something should go wrong, your credit card provider must refund you if the retailer will not.Debit card protection varies with each bank. 2 A very simple and relatively safe way of paying for stuff 3 An instant detailed regularly updated record of what you are spending 4 Almost essential if you buy online. 5 Very possibly some kind of cashback depending on what card you use. Hint; if you are paying each month and therefore never paying interest ignore the interest rate; you are not going to pay it anyway; the high interest cards often have the best cashback deals. 6 If you never miss a payment you build up a credit rating vital if you need a mortgage or even a phone agreement etc. If you never have any kind of credit you may not have a credit rating. Might be good idea to arrange for full balance to taken by DD every month but you still have to check your bank acc. has the funds so not much more effort to pay it off on line yourself each month. However you do it you need to be totally systematic in making sure you pay it off; did I say the WHOLE of it each month. If you cannot do that do not get a Credit Card. Don't forget that it is still really a Debt Card. Having said all that if you are only going to use it once in a blue moon (and if none of the above are of interest) you may not get the habit of paying it off each month and would it be worth it? But I love them had one for over 40 years and only once (about 40 years ago when I was young and distracted) have I ever paid a penny in charges or interest and in those forty years they have never caused me to borrow what I did not have. Above is all just my opinion get others. Thanks richard! We basically want it for emergencies... but we want to buy something of about 1500 quid. It will be paid off in monthly i stallments. See my edit above now; ignore what I said originally it is not really relevant.
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Richard46
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Post by Richard46 on Nov 20, 2016 9:49:03 GMT
Edit I just reread the above ; if you are just getting a card for one purchase ignore all below and my advice look for credit elsewhere CC are usually the worst way of actually borrowing money.
I rarely buy using anything but on a credit card. The secret is to only use them to buy what you already have the money for. Pay off the WHOLE balance each month and for free you get. 1 The best consumer protection available. i.e You are protected by Section 75 of the Consumer Credit Act whenever you make a purchase for goods or services worth between £100 and £30,000 using your credit card. Section 75 states that you and your credit card provider are 'jointly and severally liable' for your purchase, meaning if something should go wrong, your credit card provider must refund you if the retailer will not. Debit card protection varies with each bank. 2 A very simple and relatively safe way of paying for stuff 3 An instant detailed regularly updated record of what you are spending 4 Almost essential if you buy online. 5 Very possibly some kind of cashback depending on what card you use. Hint; if you are paying each month and therefore never paying interest ignore the interest rate; you are not going to pay it anyway; the high interest cards often have the best cashback deals. 6 If you never miss a payment you build up a credit rating vital if you need a mortgage or even a phone agreement etc. If you never have any kind of credit you may not have a credit rating.
Might be good idea to arrange for full balance to taken by DD every month but you still have to check your bank acc. has the funds so not much more effort to pay it off on line yourself each month. However you do it you need to be totally systematic in making sure you pay it off; did I say the WHOLE of it each month. If you cannot do that do not get a Credit Card. Don't forget that it is still really a Debt Card.
Having said all that if you are only going to use it once in a blue moon (and if none of the above are of interest) you may not get the habit of paying it off each month and would it be worth it?
But I love them had one for over 40 years and only once (about 40 years ago when I was young and distracted) have I ever paid a penny in charges or interest and in those forty years they have never caused me to borrow what I did not have.
Above is all just my opinion get others.
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Post by Richard46 on Nov 19, 2016 17:43:23 GMT
Probably too late to change your order now, but Darkstar ? What is wrong with Darkstar?
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Post by Richard46 on Nov 19, 2016 17:41:27 GMT
I have found everything liquid fine for PG but why not just order from Darkstar If you are happy with them.
BTW personally I would not let lack of freezer space put me off buying a bit more nic. It should last a good while left alone in any cool dark place. I have used 2 year old nic that never saw the freezer. Others may disagree.
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Post by Richard46 on Nov 17, 2016 20:33:05 GMT
It would be interesting to know why Cancer Research UK want to know about these parental attitudes and how such data would influence their corporate strategies and/or be employed in some other way. Wow some attitudes on here really do amaze me. I can think of many reasons why research around vaping attitude is important. CRUK are not the ones asking the question Richard46 . They are funding the research, and by doing so hopefully adding to the body of knowledge around e cigs. Or are we happy in our ignorance and quoting anecdotal evidence? I personally am glad CRUK are funding such research. We can all say the Government should do it instead and you are right. The fact is they are not, so I am more than happy that CRUK have stepped into the breach. Whose responsibility is this type of research? It's someone else's responsibility according to some. I disagree. It is our responsibility. We give Government our money by way of taxes to spend on our behalf, we also give money by way of donations to CRUK to spend on our behalf. What is the difference? The research needs doing, so does it matter who funds it? All charities are worthy causes. I'm more than happy for CRUK to research anything surrounding vaping. I'm also more than happy to give them my money to do it with. I can think of many reasons as well; but what I would find interesting is CRUKs actual reasons. CRUK will not have devised the actual questions being asked but they will have specified the objectives of the research. At least I would hope they have, giving money for undefined activity would not be responsible behaviour for a registered charity.
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