James

Blackburn Rovers fan living in Newcastle. Football, Cricket and just about any sport going!

[James @JamesO_Connor]

@RealDadInvests @myopinion405 I have been doing this since our first boy was born last year. Also any money gifts get invested rather than sitting in cash.

To be fair to the kids maybe think about flipping the child benefit amounts, then splitting it equally once they have had the same amounts deposited.

[James @JamesO_Connor]

@cashflow_king94 @DividendDrip Information Both simple calculator is the initial plus monthly with 8% interest rate.

The SIPP is even more amazing for a child. You put in £2880, government tops up to £3600 and that gives them 500k at 65 with zero further contributions 🤯

[James @JamesO_Connor]

@cashflow_king94 @DividendDrip Fidelity is brilliant and free fees on funds till they are 18. £1k initial and £100pm. Providing them options. Any birthday or Christmas money goes in till they understand money.

[James @JamesO_Connor]

@fynnvestor @Mikethejourney1 Fidelity been brilliant since I did it in 2025. One of the lowest fees for junior ISA and Junior SIPP.

Grandparents gifts have been split into ISA/ SIPP so they will realise when retiring that past generations are paying for their retirement. 20% gain in SIPP before investing

[James @JamesO_Connor]

@RoversPundit 0.3 over a season is an extra 13.8 ~ 14 points

We all know that MON would have got us challenging top 8 for a play off spot next season.

[James @JamesO_Connor]

@alexgroundwater @brumbitcoin @theipaper @Bornawoman99 @moving_charlie Let's also realise why it isn't affordable.

530k mortgage 25 year term at 4.75% For 60 months Monthly payment £3,022 household income would have to be over 150k for it to be comfortable.

How many families under 45 have 120k in equity plus the 100k+ to renovate it.

[James @JamesO_Connor]

@ChrisMartin_93 They won't be selling out the home end. So should have a big allocation 😂

[James @JamesO_Connor]

@graeme_cobb @funtimesnow2025 @Dheano Or you could just buy a 2nd hand Model 3 for around £14k and save £20k.

[Oli Dugmore @OliDugmore]

The justification for charging tuition fees, with reverse triple lock interest, and resulting 9% extra income tax, is the graduate premium.

This, you are told, is the extra lifetime earnings from which you will benefit as a degree holder. And we believe that to be between £100,00 - £150,000 over the course of your career.

But “believe” is the operative word.

The thing is, we don’t know.

But the government does.

That’s because they have something called LEO data - Longitudinal Education Outcomes. And it tracks the university, course, and earnings of nearly 40 million people.

Here’s the kicker: they won’t release the full data to the public, to you. Only to pre-approved researchers. And even then, they don’t get the whole dataset.

That’s because pressure groups that represent universities have lobbied for it to remain private. They say you can’t measure the value of an education in a salary. That it’s about the soul and the mind and enrichment and growing up.

And I agree with them, if only for the fact that they did have a really specific idea of the value of an education when they were taking my money. And indeed the government does too: +9% on my marginal tax rate.

So the ask is simple. Release the records. Let graduates make an informed choice about the actual value of their degree. They just have to press publish.

What have they got to hide?

[James @JamesO_Connor]

@SMMiller14 He applied for it at the same time as Ruddy got it. Pasha chose Ruddy over Jones.

[James @JamesO_Connor]

@Rovers a team in administration, who are all but relegated, signed players with championship experience and in a position we were crying out for. Hopefully the recruitment team, led by Rudy and Owen, are fighting for their jobs! #VenkysOut #PashaOut #RudyOut #BRFC #Rovers

[The Wednesday Week Podcast @TWWcast]

Well got to be honest that was a busier transfer window than I was expecting.

Jerry Yates ✅
Marvelous Nakamba ✅
Joel Ndala ✅
Tayo Adaramola ✅
Jaden Heskey ✅
Murphy Cooper ✅

All through the doors at S6. How would you rate the Owls transfer business?

From what we thought I'd say Marvelous 😉

#swfc #wawaw

[James @JamesO_Connor]

@keithso27 @CasinoCapital Plan 1 interest rate is wrong. Should be 3.2% as that was lower than Base Rate + 1%

[James @JamesO_Connor]

@glen9mullan I always say this. Goal difference at the bottom of the table provides a clue as to who might be fighting.

Clean sheets or a goalscorer keep you in a league!

[James @JamesO_Connor]

@iamdeshy The lad was 21...he wasn't the finished article and never had a prolonged run of games starting. Would have done better than some of our current squad players.

[James @JamesO_Connor]

#Rovers We sold him way too early. He would have been levels above our forwards in the first half of this season. I just hope we have a big sell on percentage. #BRFC #PashaOUT

[BBC Cambs Sport @BBCCambsSport]

“Harry is hugely popular here”

Peterborough striker Harry Leonard has been nominated for December’s League One player of the month award 👇

#pufc | #BBCEFL

[James @JamesO_Connor]

@The12thRover @lewishamill21 We have the perfect back up coming through the youth team... Nicholas Michalski who can gain experience to be our next No1 like Raya did.

[James @JamesO_Connor]

@The12thRover @lewishamill21 One of my issues is that he is on high wages for a backup keeper. That wage budget could be better spent elsewhere

[Currys @currys]

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[James @JamesO_Connor]

@currys @laurenkw22 #CurrysPurpleFriday

[James @JamesO_Connor]

@JoshBoswell Ben Benson found him, as he did with Kaminski and his coaching improves GKs. Henderson at Carlisle, Raya at Rovers and Kaminski all improved with him. Done lots of reports on GKs and been overruled on some signings he didn't rate as GKs.