Imagine the bailiffs coming round and you've got no physical possessions left.
'I've got 100 Pogba...'
The bailiffs laughing, 'you can keep those'.
G - Ederson, Alisson, Burki, Oblak, Lloris, Handanovic, Donna, Lopes, Pope, Courtois, Rui Patricio D - Davies, Robertson, Hateboer, Varane, Dubois, Roberto, Ramos - Bruno, Kroos, Coutinho, Kimmich, Goretzka, De Jong, Neuhaus, Savanier, Aouchiche F - Lewa, Kane, Aubs, Berardi, Thuram, Dybala, Messi, Kramaric, Salah, Geubbels
@Ericali I'm guessing its the latter, if you had debt in real life, FI would be the first thing you got shot of. Imagine your possessions are being taken, your wife is crying but you're sat there saying 'I just need Di Maria to hold on for some PB here....fucking Draxler!'
@Karl well I work for the Financial Ombudsman Service and dealing with Payday Lenders and as far as I'm aware the gambling commission probably deal with any FI complaints currently. We only look at complaints against financial businesses such as banks, lenders etc and they have to be regulated by the FCA or a similar body for us to look into it. So if FI are moving towards being regulated by the FCA this would suggest they're trying to be taken seriously as an investment as opposed to a gambling site.
This would mean all the gambling talk has just been because they got a slap on the wrist and they hope with the NASDAQ and the FCA regulation they can move away from that and go back to being classed as an actual investment. I think spread betting sites are regulated by the FCA but other betting sites are through the gambling commission.
Being regulated by the FCA may mean a lot more strict guidelines to follow to make sure they're behaving themselves but it will also increase consumer trust, I don't have much experience of the gambling commission but I'd imagine having the FCA say FI is a sound business will mean quite a lot to people. I think it will protect people's money a bit better if FI were to go bust. The FCA will make sure FI has money to cover consumer losses, for example some sort of compensation scheme set up in case everything goes to shit. Might not be all of people's money but there may be some safety net put in place.
And finally they'll have access to the Financial Ombudsman Service for complaints...the reputation isn't great at the minute but it's basically an alternative dispute resolution process if you've complained to say FI and they refuse to do anything, you can take it to the FOS for free and they might uphold the complaint. Just gives an extra option if you feel FI aren't pulling their weight.
All in all FCA regulation would mean the main financial regulatory board are keeping an eye on them, and I'd imagine their standards are more stringent than the Gambling Commission who'll probably just say 'well you knew the risk and you've fucked it, cheers'.
Sorry for the essay.
and also @Dan-The-Man, similar to Rob-E's baby comments, if we're calling a spade a spade we need to look at ourselves. This is why the main conflicts on this forum are so frustrating, everyone has become to stubborn and nailed their flags to the mast that they don't want to let it slip and accept any faults in their own behaviour.
I completely get the reaction to some of the more experienced users starting their own forum, calling it a cult is a bit dramatic but some people have previously shut you and others down a bit too quickly when a differing opinion has been put forward. But you surely can see that it works both way, someone could easily make the same 'cult like' comments about the other side of the argument and they way negative posters can all pile in at once and repeat the same mantra over and over - similar to the more optimistic FI users.
After last week this weekend has really given me a boost, both in my confidence with FI and financially. Finally back in profit after the market stabilisation and an amazing dividend haul.
I'm sure this will not be the norm as I have a lot of IPD eligible players from my rebuild but fuck me - Gnabry, Mane, Son, Kane, Aouchiche, Burki, Alisson, Lewandowski - most of my biggest holds delivering, what a feeling. Onwards and upwards. I still have a cash balance ready for a potential drop in prices after September so all is good.
Cheers to anyone who offered advice when I was second guessing everything and down in the dumps! Looks like quite a few had a decent haul today too, least I'm not celebrating on my own.
EDIT: Didn't even notice Mane and Son topping the media divs as well.
To be fair the bickering seems to have stopped, perhaps that's all everyone needed - bit of fanny cream. Well now that's all been resolved @NewUser395078 - the israeli-palestine conflict? What we saying? Peace treaty or...fanny cream? Yeah fanny cream it is.
Pogba not getting in Championship teams haha!
Does he show mental weakness? Has he struggled to nail down a specific role at United? Are him and his agent too focused on finding him a move away? Yes, all of these things - there are so may negatives that come with Pogba but amongst all the pros and cons, to say he is a terrible footballer is just nonsense.
He's a bit flash and likes to play the game a certain way which doesn't always come off when scrapping it out in a competitive midfield battle but he is a fantastic footballer.
He probably isn't suited to the Championship but based purely on footballing ability and putting his mental attributes aside, he would walk into any midfield in the Championship at defensive mid, box to box, number 10. He's probably get in on the wing ahead of a lot Championship players.
@Wolvesfan1980 I got him around 50p, must have bought on a match day, something I avoid doing normally - or it was just during a time when the market was doing better.
I rate him, should be fairly easy to refresh going into the next busy schedule too. Do we think he'll be Portugal no.1 come the Euros? Got to be the favourite currently.
Dubravka's recovery hasn't quite gone to plan so it's looking likely that Darlow will keep goal until around Christmas time at least but if you can get Dubravka close to his sell price of 20p you're laughing.
As good as Darlow has been, Dubravka will get his place back and as shit as we are, we do keep the odd clean sheet. Furthermore, Dubs made the most saves out of any keeper last season so even when we don't keep clean sheets he could compete for PB. Just a left field shout with all these more elite keepers getting mentioned.
I hold Rui and Wolves are often good for a clean sheet but he doesn't record great scores for some reason (matrix nerds can help me out here, is it because Wolves are quite a solid defensive team so he doesn't have much to do?). Whilst Wolves aren't in Europe, it's likely they will be next season and he also has the Euros (well he started Portugals last few games at least).
For the price I think he is a decent hold.
I wish I held Neuer, feel like I might sit him out and focus on Alisson and Donnarumma as my main GK holds. Also a big fan of Navas and Oblak as more affordable elite keepers that bring home some bacon.