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Fiat is the currency of central bankers and according to my definition of 'free market' their manipulation of interest rates and QE is genuinely criminal. The criminal's preferred currency is high denomination, globally recognised, exchangeable fiat e.g. 500 Euro and $100 notes, hence the war on cash advocated by Andy Haldane and Ken Rogoff.
"only strong men who think rationally."
Well that is this board scuppered then.
"Bitcoin is s the currency of criminals and that’s why the powers that be will squash it."
Right. Crypto currencies will be restricted or banned. Any threat will meet a hammer.
Pippa Peaches, I would be interested to know if you see yourself as transgender? You seem to be a little mixed up at times.
Bitcoin is s the currency of criminals and that’s why the powers that be will squash it.
I observe that, of the shares selected as competition, 4 are loosing heavily, 2 are at par and one is making a profit of circa 11%. Moreover, Diageo has benefitted from people drinking themselves silly at home as a response to enforced incarceration. I extrapolate the following inferences from the data.
1. Collectively our choices are poor.
2. Timing of purchase is critical.
3. Macro factors are hugely important.
4. Picking stocks in not simple.
5. Fundamentals are secondary to momentum in this corrupt market.
Those who think they know lack the capacity to recognise their own limitations. It is an almighty casino that could collapse in a heart beat eradicating wealth and pitching prudent, conservative, middle-class investors into an abys of penury during retirement. If the stock market crashes, or inflation takes hold at plus 10%, the system is doomed. We shall try to fall back on property assets en masse, but they will become a false haven as governments, desperate to fund unpayable debts, seek to tax immobile wealth. The ramifications of the Pandemic have not been fully considered. Negative interest rates will sound the death knell. In this context the increase in value of Bitcoin to $50,000 is perfectly sensible.
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 262 = 540
Lloy 1905 @ 37 = 705
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 269 =901
Lloy 1553 @ 37 = 575
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 171 = 657
Lloy 1512 @ 37 = 559
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 146 = 699
Lloy 1504 @ 37 = 556
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3009 = £1122
Lloy 1704 @ 37 = £630
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 25.8 = £1004
Lloy 3058 @ 37 = £1131
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 92.9 = £997
Lloy 3367 @ 37 = £1246
This week's observation - Covid Infection rate and hospital cases dropping, HMG target to jab 1st 4 groups will be met, Most of UK likely to be under 'lockdown' restrictions until March, tough restrictions introduced for those arriving into the UK
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 37 = £5550
A1
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 252 = 519
Lloy 1905 @ 37 = 705
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 259 =868
Lloy 1553 @ 37 = 575
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 170 = 653
Lloy 1512 @ 37 = 559
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 147 = 704
Lloy 1504 @ 37 = 556
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3003 = £1120
Lloy 1704 @ 37 = £630
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 25.8 = £1004
Lloy 3058 @ 37 = £1131
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 93.9 = £1008
Lloy 3367 @ 37 = £1246
This week's observation - NHS continues to struggle but early suggestions that we may have passed the peak, HMG suggest all over 50's vaccinated by May, Most of UK likely to be under 'lockdown' restrictions until March, EU back down re vaccine exports, NASUWT pushing for young/healthy teachers to queue-jump old and vulnerable
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 37 = £5550
A1
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 272 = 560
Lloy 1905 @ 33 = 629
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 246 =824
Lloy 1553 @ 33 = 512
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 148 = 569
Lloy 1512 @ 33 = 499
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 134 = 642
Lloy 1504 @ 33 = 496
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 2949 = £1100
Lloy 1704 @ 33 = £562
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 24.6 = £957
Lloy 3058 @ 33 = £1009
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 91.7 = £1137
Lloy 3367 @ 33 = £1073
This week's observation - NHS continues to struggle but early suggestions that we may have passed the peak, Vaccination rollout well underway and on course, Most of UK likely to be under 'lockdown' restrictions until March, EU look to restrict vaccine exports
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 33 = £4950
A1
gdr not grd
grd might be an interesting one for Fantasy portfolio
chunky buyers stared loading yesterday
looks like might be interesting to watch how moves
Usual weekend update -
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 290 = 597
Lloy 1905 @ 34.8 = 663
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 271 = 908
Lloy 1553 @ 34.8 = 540
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 156 = 599
Lloy 1512 @ 34.8 = 526
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 143 = 685
Lloy 1504 @ 34.8 = 523
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 2909 = £1085
Lloy 1704 @ 34.8 = £593
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 25.5 = £992
Lloy 3058 @ 34.8 = £1064
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 106 = £1137
Lloy 3367 @ 34.8 = £1172
This weeks observation - NHS continues to struggle as infection and death rates reach yet more all time highs, Vaccination rollout well underway and on course, Most of UK still under 'lockdown' restrictions, US under new presidency
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 34.8 = £5220
A1
Usual weekend update -
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 302 = 622
Lloy 1905 @ 35.9 = 684
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 280 = 938
Lloy 1553 @ 35.9 = 558
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 159 = 611
Lloy 1512 @ 35.9 = 543
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 149 = 714
Lloy 1504 @ 35.9 = 540
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 2903 = £1083
Lloy 1704 @ 35.9 = £612
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 25.6 = £996
Lloy 3058 @ 35.9 = £1098
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 106 = £1138
Lloy 3367 @ 35.9 = £1209
This weeks observation - NHS struggles as infection and death rates reach yet another all time high, Vaccination rollout well underway, Most of UK still under 'lockdown' restrictions, Businesses can claim for 'loss of earnings', the country is collectively shocked by content of free school meal parcels
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 35.9 = £5385
A1
Usual weekend update -
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 299 = 616
Lloy 1905 @ 36.8 = 701
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 276 = 925
Lloy 1553 @ 36.8 = 572
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 165 = 634
Lloy 1512 @ 36.8 = 556
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 153 = 733
Lloy 1504 @ 36.8 = 553
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3038 = £1133
Lloy 1704 @ 36.8 = £627
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 28.2 = £1097
Lloy 3058 @ 36.8 = £1125
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 107 = £1148
Lloy 3367 @ 36.8 = £1239
This weeks observation - As the New Year settles in Vaccination rollout well underway, Most of UK under 'lockdown' restrictions, NHS struggles as infection rates reach all time high
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 36.8 = £5520
A1
Usual weekend update -
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 255 = 525
Lloy 1905 @ 36.4 = 693
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 233 = 780
Lloy 1553 @ 36.4 = 565
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 168 = 645
Lloy 1512 @ 36.4 = 550
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 147 = 704
Lloy 1504 @ 36.4 = 547
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 2878 = £1073
Lloy 1704 @ 36.4 = £620
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 28.2 = £1097
Lloy 3058 @ 36.4 = £1113
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 111 = £1191
Lloy 3367 @ 36.4 = £1226
This weeks observation - Goodbye to 2020 !!! EU trade deal done, Vaccination rollout underway, PRA divi ban expired, Most of UK in tough restrictions as new virulent Covid mutation spreads
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 36.4 = £5460
A1
As I said Stargunner - Hindsight is a wonderful thing, feel free to pick an alternative investment stock/fund/IT and post a weekly update v Lloy - show the rest of us how it is done
Usual weekend update -
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 263 = 542
Lloy 1905 @ 38.6 = 735
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 235 = 787
Lloy 1553 @ 38.6 = 599
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 169 = 649
Lloy 1512 @ 38.6 = 584
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 155 = 742
Lloy 1504 @ 38.6 = 581
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 2914 = £1087
Lloy 1704 @ 38.6 = £658
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 26.4 = £1027
Lloy 3058 @ 38.6 = £1180
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 116 = £1245
Lloy 3367 @ 38.6 = £1300
This weeks observation -Brexit deal done !!! Vaccination rollout underway, PRA divi ban expires 31st Dec 20, tough restrictions as new virulent Covid mutation identified
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 38.6 = £5790
A1
Asperger1 I generally don’t invest in individual company shares. I invest in funds/IT’s that have performed very well since April. I only came across this website in January and from reading the forums I took a punt on GGP when they were 3p. They are now 34p. It was a very volatile stock earlier in the year so I have sold and bought them back a few times trying to preserve my profits. I have done very well from them but as there were some long periods when I didn’t hold them I would have done even better if I had of just held them since January. I did buy some Lloyds in Oct at 27p Which I still hold.
Hindsight is such a wonderful thing,
Did you take advantage of these 'better places' Stargunner?
what where they?
Your update proves what a dire investment Lloyds has been over the last 4 years as has been most of the ftse100 companies. There have been plenty of better places to invest your money over that period , although it could change in the near future if we get a deal.
Usual weekend update -
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison
On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 271 = 559
Lloy 1905 @ 35 = 668
In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 242 = 810
Lloy 1553 @ 35 = 528
In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 157 = 603
Lloy 1512 @ 35 = 528
In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 145 = 695
Lloy 1504 @ 35 = 526
In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 2949 = £1100
Lloy 1704 @ 35 = £596
In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 28 = £1089
Lloy 3058 @ 35 = £1070
In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 114 = £1223
Lloy 3367 @ 35 = £1178
This weeks observation -Prospect of 'No Deal' Brexit still hangs over the markets, yet another Sunday crunch day for EU trade deal ??? Vaccination rollout underway, PRA divi restrictions limit bank gains, UK's four nations agree to relax COVID restrictions to save Christmas
A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.
Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 35 = £5250
A1
Absolutely agree Rosewall; the map of Great Britain looks like England and Wales with Scotland on it's back, unaltered in years. Soon, possibly,might be Scotland the wave, bye, Bye. Stay Safe, just ordered my Donald Russell beef.
Roswell
And as a devolved power Wales has the legal right to 1st adopt Labours 'firebreak' and then adopt Scotland's weird 0 to 4 tier system because neither Wales or Scotland couldn't possibly be seen to adopt Englands system - playing politics with peoples lives - fostering 'us v them' to gain votes - nowt so strange as folk - couldn't make it up
Asperger
As a devolved power Scotland have a legal right to develop a tier system the reflects their geographical, demographic and infrastructure requirements. As ever, the English mentality thinks theirs is best and everyone should copy the master race's ideas drawn up by a bumbling idiot.
I hope for a no deal because little England will then have to find someone else to hate. That can only be good for Scottish independence. How did a once great country like England become such a bitter and twisted one.
Walkerworld -
"Scotland’s teir system ranges from 0 being the lowest to 5 being the highest" ???
For political reasons Scotland couldn't possible adopt the UK system so developed its own perfectly simple 5 tier system
The 1st level of its 5 tier system is tier 0
The 2nd level is tier 1
The 3rd level is tier 2
The 4th level is tier 3
The highest level level of the 5 tier system is tier 4
Couldn't make it up lol
https://www.bbc.co.uk/news/explainers-52530518