BC FINANCE
Saved by @Mollyycolllinss

Having made over 1000 boxes for vulnerable families in Cambridge via @RedHenCambridge (thanks to our customers 🙏🏽) My thoughts on the £30 box thing. Lots of factors at play here. 1/

 If the pics in this @BootstrapCook thread are true and correct then the Govt/taxpayers & families in need are getting absolutely SHAFTED 👇🏽 2/ https://t.co/TZSTfMttNa
There are some mitigating circumstances. A £30 box won’t ever contain £30 (retail) worth of food - people aren’t factoring in
-the cost of the box
-paying someone to fill it
-rent & rates
-& most expensive the *transport/distribution*

3/
If you’re doing the above at scale. Delivering *across the UK* it’s not cheap BUT IMHO there should be at LEAST £20 worth of groceries in a £30 box. To get more value they need more fresh produce. Just carrots & apples is terrible. 4/
I’m gonna put my rep on the line here & say something about these big national catering companies whose names I’ve seen mentioned. They are an ASSHOLE to deal with & completely shaft small businesses like mine with their terms which is why I won’t deal with them. 5/
They want you to deliver their fruit&veg everyday for a month then expect 45, 60, 90 or 120 days credit. Even then, they don’t pay on time. 6/
Now here’s the killer. They use their buying power to ask for HUGE kickbacks, ie discounts by way of a returned cheque which enables them to show their customers the original invoices & say ‘look this is how much we paid’

It’s endemic in this industry & a shitty practice. 7/
It’s a difficult task distributing these boxes nationally. You need a good infrastructure so I get why the govt went to the big catering firms.

But I do wonder what’s going on at the highest levels of govt. sending £5 of food to the poorest & charging £30 is outrageous. 8/
Some of these big catering firms are really struggling right now & I have ZERO sympathy. Shitting on their suppliers is standard practice. I had to wait 6 months for payment once. Even then they pay by cheque to long it out further. 9/
So anyway. Any kind of outsourced catering in big institutions even your office canteen, it’s quite likely a handful of national companies are running it. They won’t think twice about shafting poor kids over. I’m not surprised to see this at all. 10/
Assuming there’s a kickback cheque (a) from the Govt, someone, somewhere is making a lot of money out of this whole situation. -fin.
Actually I’m not finished. I’m really pissed off writing these tweets. Like, payment terms. Who the hell in this day & age of fintech & faster payments needs ONE HUNDRED & TWENTY DAYS to pay a supplier. It’s sole purpose is to shit on you.
One business wanted 90 days to pay me. I told them our standard terms are 30. They said ‘if you want us to pay you ‘early’ then we want a bigger discount’

I politely told them to shove it. 🖕🏾
Anyway, my point still stands. If they can shit on their suppliers, they’ll take full advantage & shit on vulnerable families too. The proof is in the boxes all over social media today. I’m glad this is out. If they all go tits-up in this pandemic I’ll have no sympathy.
Im so pissed off right now. I went downstairs and replicated one of our Charity boxes. We developed this in conjunction with @RedHenCambridge I’m not gonna link to the shop cos it’s a bit bandwagonny. It shows you what can be done for £20 with top quality fresh local produce.
That’s £10 CHEAPER than the pittance that Compass are rinsing taxpayers for. Yes you can prob get more if this was supermarket gear. But this is greengrocer-quality seasonal nutritious produce. Those blueberries will be swapped for 400g local strawberries in Summer btw.
For absolute clarity I’ll make about £2 off that, for which I’ll pay rent, taxes, wages, biz costs, leaving me with about erm, not much. Our customers are brilliant. They’ve been sending these exact boxes to vulnerable families since the pandemic started. Compass can piss off.
I’m truly pissed off at this mornings news.

One last tweet from me.

Well I *did* say I wouldn’t swear any more. 🤷🏽‍♂️🤷🏽‍♂️🤷🏽‍♂️

#foodparcels
Well this is kinda cool. Got a call from @bbc5live @BBCBusiness - I’ll hopefully 🤞🏽 be chatting to Wake Up To Money (I listen every day! Love this show!) about this at 5.30am tomorrow morning. Tune in folks!

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Module 3

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high of the third candle is considered resistance. Similarly, if the first 3 candles make lower lows and the next 2 make high lows then the low of the third candle is support.

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The above explanation is for the sake of quantifying support and resistance at a very basic level. These are called fractals. Now let's get started with the code.

mpl_finance is the new module here. We will use its candlestick_ohlc function.

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What is the catch here? How do Companies involved make money here?

A Thread🧵👇

Please "RT" if you like the thread.


1/ You are looking for a mobile phone worth Rs.10,000 on Amazon and as you move ahead to place the order, you are offered an option to pay that amount spread across 6 months. 6 EMIs of Rs.1667. No interest charges or processing fees.

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1/ I'm thrilled to announce the launch of my new website, a one-stop shop for all the content I'm creating.

There you'll find links to all my podcasts, the TTMYGH newsletter, and other exciting future projects.

2/ In 2020, I reignited my passion for interviewing brilliant people by launching The Grant Williams Podcast in various forms, including The End Game, The Super Terrific Happy Hour, and The Narrative Game.


3/ Starting February 1, I'm taking the bold step of moving these podcasts completely behind a paywall.

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Jess Phillips is funded by a Luxury Property Developer behind a number of controversial schemes. The register of financial interests lists a donation totaling £6,000 from Court Consultants. Plus a £8,000 a year sideline from the Tories. #LabourLeaks

Jess Phillips MP’s office is funded by a property developer criticised for not including enough affordable housing in his tower blocks. #LabourLeaks

Court Consultants is controlled by Birmingham property developer Anthony McCourt. He is a longstanding financial backer of Jess Phillips. In 2017, Anthony McCourt also gave £3,000 to Phillips to help with the running of her local Labour party.


Councils try to oblige property developers to build some affordable housing in their new buildings in return for planning permission. But recent developments involving Antony McCourt failed to meet even these limited attempts by councils to increase the amount lower-cost housing.

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WTF, could I quit my job in a couple of years by investing?

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From today, we will memorize the names of 27 Nakshatras in Vedic Jyotish to never forget in life.

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Pls RT if you are in.

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Today's Nakshatras are:-

1. Ashwini - अश्विनी

2. Bharani - भरणी

3. Krittika - कृत्तिका

4. Rohini - रोहिणी

Ashwini - अश्विनी is the FIRST Nakshatra.

Repeat these names TWICE now, tomorrow morning, noon and evening. Like this tweet if you have revised 8 times as told.

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Today's Nakshatras are:-

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First recall previously learnt Nakshatras twice. Then recite these TWICE now, tomorrow morning, noon & evening in SAME order. Like this tweet only after doing so.

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Read next tweet too.

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Purva, Uttara prefixes come in other Nakshatras too. Purva= pehele wala. Remember.

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सुदर्शनं प्रवक्ष्यामि द्वीपं तु कुरुनन्दन। परिमण्डलो महाराज द्वीपोऽसौ चक्रसंस्थितः॥
यथा हि पुरुषः पश्येदादर्शे मुखमात्मनः। एवं सुदर्शनद्वीपो दृश्यते चन्द्रमण्डले॥ द्विरंशे पिप्पलस्तत्र द्विरंशे च शशो महान्।

—वेद व्यास, भीष्म पर्व, महाभारत


Meaning:-

हे कुरुनन्दन ! सुदर्शन नामक यह द्वीप चक्र की भाँति गोलाकार स्थित है, जैसे पुरुष दर्पण में अपना मुख देखता है, उसी प्रकार यह द्वीप चन्द्रमण्डल में दिखायी देता है। इसके दो अंशो मे पीपल और दो अंशो मे विशाल शश (खरगोश) दिखायी देता है।


Meaning: "Just like a man sees his face in the mirror, so does the Earth appears in the Universe. In the first part you see leaves of the Peepal Tree, and in the next part you see a Rabbit."

Based on this shloka, Saint Ramanujacharya sketched out the map, but the world laughed
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