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The HfP chat thread – Monday 24th May

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We are running this daily chat thread on Head for Points during the coronavirus outbreak.

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Comments (389)

  • reader says:

    So Curve’s crowdfunding is kicking off tomorrow morning at 9 apparently. Is anyone investing in them? Seems to me like they are burning money very fast…

    • BJ says:

      Doubt it, we’re nearly all dairy farmers here.

      • Peter K says:

        “Dairy farmers”. It took me a while to get it, but it was worth the wait 😂

        • BJ says:

          Will take me longer to figuure out what happened to my ‘ou’

          • BJ says:

            Ignore that Peter, the ou and other letters are coming and going on my screen right now 🙁

    • JDB says:

      Yes, feels like a share in the Cannot Recommend A Purchase category. I have a Curve metal for paying HMRC and overseas use but I can’t see any other reason for having the card. Also, I can’t quite work out how they are burning their way through so much cash. The tech is still pretty flaky. I know one of their corporate investors quite well and they are hopeless at picking winners! Curve raised $95m in January, partly for US expansion…

      • BuildBackBetter says:

        How will they make money in US? No interchange fee cap!

    • Genghis says:

      Yep. Wanna have my chat with Shachar.

      • JDB says:

        I spoke to him once. He’s a brilliant salesman / cheerleader. I just don’t see how they will ultimately make money or, if they do, make enough to get any decent return.

        • TGLoyalty says:

          Is any startup interested in actually making shareholders money? Shachar is the biggest dairy farmer of them all

        • Mr. AC says:

          I mean, people said the same exact thing about Facebook. Arguably it’s not difficult to see how they could theoretically make money – they’re literally making the thing you pay with, there’s a lot of opportunity here if you play your cards right. It all depends on the execution.
          That being said, I’m on the fence. Would’ve invested in a heart beat at the old valuation (and I did), now it seems that the risk-reward calculus is not so clear.

          • Char Char says:

            I like Curve but I don’t think they can make a profit or break even for that matter unless for example they had some in store cash back deal with retailers that they pocketed and didn’t pass to the consumer

    • Char Char says:

      I find Curve useful but except for HMRC not for anything essential, investing now is a waste of time they are hugely over valued and no real prospect of making money that I can see.

  • KBuffett says:

    Does anyone know of any discount codes for Made dot com ?

    • BJ says:

      Think I might have seen some so check the usual suspects although many reported codes rarely work these days IME. Also those other places. Currently amex offers on Raft and Beliani furniture if those are of any use to you. I’m currently looking for a walnut dining table but unfortunately not finding it with codes etc either.

      Anybody here ever used a company called cosywood? Seems to be my best option but prices are higher than I would like and I’m a bit reluctant to buy online without sight when prices are high.

      • KBuffett says:

        Thanks BJ. I will take a look at those AmEx offers

      • AnotherUser says:

        @BJ is buying secondhand an option? Often see good quality furniture on classified sites here for a fraction of the new price, and vintage ‘brown wood’ furniture can be very good value if you like that style.

        I’ve furnished a couple of rooms for £100s when buying new would have cost thousands…the furniture is used, but should still outlast me and probably another owner or two.

        • BJ says:

          There is quite a lot of quality pieces on ebay. May take a more serious look once we have exhausted our search of independents which is fun in itself and I would prefer to support an independent to a chain. I would settle for veneer to cut cost but there is not that many of those around than solid walnut. Most we can find are lighter tables whilst we want something solid and heavy that doesn’t shake.

    • Anuj says:

      This is a bit of a late reply but my number one learning from buying appliances and furniture is check eBay. Especially with furniture, a lot of the returns from Made and Swoon end up on eBay for far less in almost new condition.

      • BJ says:

        Ebay looks more promising for me but main issue is buying without sight of the item.

        • AnotherUser says:

          Depending on the prices you’re looking at, might also be worth seeing what a local carpenter would charge to make to order or repair/update a vintage piece to your taste?

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