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Community Events & What’s On...
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3rd LONG STRATTON BROWNIE PACK meets every Thursday 6pm - 7.30pm term time at the Methodist church, Manor Road, Long Stratton. If your daughter is aged between 7 and 10 years and would like to join Brownies please call Brown Owl (Gill) on 01508 530378 or e-mail gillworrell@btinternet.com for further information or to arrange a visit to see what we do.
LONG STRATTON GYMNASTIC CLUB every Thursday evening and Saturday afternoon caters for girls aged 5 to 18 years. The club runs a disability session on a Saturday which is open to boys and girls at Long Stratton Leisure Centre, first session free. For more information contact Tina on 01379 740948.
LONG STRATTON TODDLER GROUP every Monday and Wednesday morning 9.15-11.15am (term time only). Held at the Methodist church on Manor Road. First session free, £2.00 thereafter. www.longstrattontoddlers.co.uk
TAS WELL JUNIORS - The last Saturday of every month 6-8pm at the Tas Well Social Club for children of all ages. Games, activities & lots of fun. More info: Mel on 01508 532146 or mel.large@btinternet.com
COFFEE MEETING - meet some old friends, make some new friends, have a chat, a cup of tea & a piece of cake at the Coffee Pot, every Wednesday 2.003.30pm in the Tasburgh Church Room.
CASUALTIES UNION NORWICH BRANCH - Meets at the Vauxhall Centre, Johnson Place, Norwich, NR2 2SA 7:30pm 9:30pm Weds new members welcome for details contact 01508 494492 www.casualtiesunion.org.uk
KIDDY COOK - Cookery workshops for 4-11 year old chefs held in Tasburgh. Held once a month on Saturday mornings and during school holidays. www.kiddycook.co.uk or call Fran on 07973 724870 for the latest schedule.
HEMPNALL MILL CENTRE- Bookings: Jackie Jackson 01508 499061. info@hempnallmillcentre.co.uk www.hempnallmillcentre.co.uk
NEED SOMEWHERE TO HOLD A FUNCTION?
Anniversary celebration, children’s party, christening, birthday party, Family & friends get-together the Mill Centre in Hempnall is available for hire – please call Jackie Jackson on 01508 499061 or email jackson.jc@btinternet.com
THARSTON HISTORY SOCIETY regularly meets on the last Wednesday of alternate months. Everyone is welcome - admission is free but there is a retiring collect to help with Society expenses. For further information please see our website www.tharston-historysociety.com or email web@tharston-historysociety.com.
FITNESS CLASSES - Long Stratton High School on Monday, Wednesday and Friday evening. Choose from circuits, HIIT or cardio blast. First session FREE. To book your FREE session or for more details please email: hello@timcourridge.co.uk
HEMPNALL MILL CENTRE - LUNCHEON CLUB
Wednesday and Thursday from £5.50 morning tea or coffee served on arrival from 11am a two course lunch served at 12 noon pick up travel can be arranged for more information contact: Margaret Sparham (Wed and Thurs on 499766 or 499579 at other times).
GT. MOULTON CHAPEL - COFFEE MORNING Wednesdays 10.30 to 11.45. Come and have a mardle at this fun, friendly venue. We have home made cakes and even soup, together with a selection of hot and cold drinks. Open to everyone, we'd be pleased to see you. Contact Steven: 01379 674341
SAXLINGHAM NETHERGATE BOWLS CLUB Come along and have a go at Bowls at our Green in a picturesque setting on the Playing Field. The club is running taster session and coaching for beginners on Monday mornings at 11.00am. Experienced Bowlers are welcome too. Contact: Chris Lacey on 01508 499700
NEWTON FLOTMAN PRE-SCHOOL We are a well established, community pre-school at the Village Centre offering a fun and educational environment for children, aged from 2 years to school age. The preschool, an outstanding early years provider (OFSTED 2015-2016) is open Monday to Friday, with ample space for parking. Fees start from £4.50 per hour. We also accept funding from Norfolk County Council for 2, and 3-4 year olds, if applicable and we are able to offer tax free childcare too! For more information please contact us at manager@newtonflotmanpreschool.co.uk or 01508 470680, or alternatively please visit www.newtonflotmanpreschool.co.uk
TASBURGH UNITED FOOTBALL CLUB - Our FA Charter Standard club won Norfolk FA’s Grassroots club of the year for 2019. We have FA qualified coaches who train boys and girls from age 5 to 15, and we have various teams playing in the Norfolk Youth Combined League. New players and volunteers welcome! For more info you can find us on Facebook, at www.tasburghunited.com or call Dan Edwards on 07813 045764.
DID YOU KNOW you can now find information on THE HEMPNALL TRUST & how to book the Mill Centre in Hempnall on The Hempnall Trust Website www.hempnalltrust.org
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Investing and speculating are similar activities –they both involve buying assets or trading on the stock market. But the motivations for each are very different, and so are the time scales and attitudes employed.
Investing vs. Speculating
Traditionally, an investor is looking to purchase parts of businesses in the hope that the company will take that investment money and use it to generate a profit. When you invest in a business, you would expect to have your money within that asset for some time – and often you’re looking to earn an income from the investment either through dividends over a period of years, or to sell your assets for a profit later on.
Typically, with investments we’re measuring our assets in terms of yearly growth – so we’re envisaging holding over a period of several years. Of course, investments don’t always work out, and sometimes investors will sell quickly if new information comes to light. In general, the process is fairly slow, investors will do their research into companies and funds, choose the right opportunities for them, and then hold over a period of years. By contrast, speculators are people who are looking to make quick money by “flipping” assets. This means looking for stocks or other assets (such as currency, cryptocurrency or oil) which they expect to swiftly go up in price and selling them quickly to take advantage of the price shift. Speculators don’t particularly care what it is that they buy – so long as they think it’ll go up in price and do so quickly.
A speculation
boom?
There has been a massive boom in speculation and speculative assets recently. Fuelled by cryptocurren-
What’s
the Difference Between an Investor and a Speculator?
cies and so-called “rocket stocks” or “meme stocks”, like AMC Cinemas or Gamestop, a lot of the discourse in the stock market over the past year has been focused on these speculative assets.
There are lots of reasons why these assets have become more popular. Things like coronavirus giving casual investors more free time and money, the internet making it easier to organise, and a shift in stock market sentiment encouraging people to try and make quick, easy money using options trading (essentially betting on stocks, without purchasing the underlying stock itself). We’re seeing more and more amateur traders purchase speculative assets and engage in this speculative buying behaviour, whether they’re buying crypto, trading Forex (foreign exchange), or even simply buying stocks en masse based on online tip-offs.
What are the risks?
There’s nothing necessarily wrong with speculating, so long as it’s with money you can afford (and even expect) to lose. Speculating is essentially gambling. You’re taking risky bets that prices will move the way you want them to, but as we’ve seen with high profile crypto and stock collapses recently, prices can go down as well as up.
Unlike with an investment, where you expect to put your money away for years and can therefore withstand any short-term downturn in stocks or markets, if you’ve bought speculative assets you stand to lose a lot more if the price takes a temporary dip. And we often see that a lot of these assets will drop in lockstep with each other. When Bitcoin prices tumble, the entire cryptocurrency space can have millions in value wiped out in a matter of minutes, so it doesn’t matter which currency you’ve bought.
Does speculation create bubbles?
We often see that the prices of these speculative assets are linked together. When prices increase massively like this, we refer to it as a “bubble”. As more and more people pile into the stocks, the prices get pushed higher and higher, often multiples of what the company is really worth.
At that point, most speculators are simply relying on the “greater fool” theory – the idea that there’ll always be someone willing to pay more than they bought the stock for, so they can always make money selling it on. Eventually, this will run out – there’ll be nobody else willing to pay a higher price for the stock. The price will tumble, and the last people to buy it at the highest price will lose all their money on the way down.
These bubbles can be dangerous places to purchase assets. There can be money to be made if you get in early enough, but how do you know when the bubble will burst? Often, this happens in a matter of minutes, and suddenly all the value is gone. Even professional investors have difficulty timing their asset purchases.
So, speculation is a risky approach to purchasing assets. With any investment opportunity, take the time to do your research and identify assets you’d be happy to hold over the long-term. That way, even if the share price does fall, you’re happy to ride out the dip because you believe in the business’ fundamentals.
Need some help with your Investments? Get in touch with Face to Face Finance to arrange an appointment: 01603 625 100. www.ftof-finance.co.uk
This article is for informational purposes only. It should not be considered as investment advice. Your capital is at risk when you invest.
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Community Events & What’s On...
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LA JOLIE RONDE FRENCH LESSONS -For children from the age of 3 to 11 years old. Lessons are fun, with lots of games, songs and role play. Once a week during term time. Classes available at Manorfield Infant and Nursery School 12.30-1pm on a Tuesday, open to children attending the school. Classes also available at St. Mary's Junior School on a Wednesday 12.15-12.45pm and 12.45-1.15pm, open to children attending the school. If your child attends Jack in the Box Daycare there are sessions available on Tuesday and Wednesday mornings. Ask about free taster sessions. Email djc1@ntlworld.com or text 07887 513757.
SINGING: IF YOU CAN SPEAK, YOU CAN SING!
Creative Singing Studios Community Singing Group Meets Every Tuesday Evening 7:00 - 8:30pm at Wacton Village Hall, £5.00 per person, pay as you go. This group is regularly invited to sing throughout the region and has raised more than £1000 within the past 12 months for local charities such as Shelter & Break! For more information go to www.creativesingingstudios.co.uk.Contact Louise Barton via email on: louise@louisebarton.com
MARTIAL ARTS - All Oriental Self Defence & Physical Fitness Techniques in One Art. Kuk Sool Won Martial Arts Club in Long Stratton and Tasburgh. TWO FREE SESSIONS. Ages 4-7 years; Lil Dragons Tasburgh Village Hall Monday 4.30pm. Ages 7 to Adult; Tasburgh Village Hall Monday 5.30-6.30pm. Classes also in Long Stratton see web www.kuksoolwon-gillingwater.org for locations, times and more information or call/text 07775 890359.
TAS VALLEY PRE-SCHOOL and PLAYGROUP Our small, dedicated team of staff provides a safe, caring and stimulating environment for children aged 2 years to school age, to play and learn. During term time, we offer weekday morning sessions 9am - 12pm, and Tuesday afternoon sessions 12pm - 3pm. We also offer Monday afternoon sessions, 12pm - 3pm, for pre -school year children only (the year before children go to school). Fees are £13 per session, age dependent. All 3-5 year olds and some 2 year olds are entitled to funding from Norfolk County Council. Please visit www.tasvalleyplaygroup.org.uk or e-mail enquiries.tvplaygroup@gmail.com
