Decoding the Wealth of Corporate Giants and the Challenges of Fitness

Ready to unravel the enigma of corporate giants and their colossal market values? Get ready to unravel the mystery as we look at gatekeepers like McDonald's, Amazon, and Apple, and their unfathomable financial worth. We dissect their massive market values and take a peek at the whopping paychecks of their CEOs. And it's not all about the Benjamins as we transition into the fitness realm and dissect the ups and downs of bodyweight exercises. 

Ever wondered about the ripple effects of those 'easy' online returns on businesses? Or curious about the evolution of fuel products and the true value of your favorite Ready-To-Drink beverage? As we navigate the labyrinth of cash flow and returns, we also dive into the murky waters of pension complaints. And as we close out, we tackle the ever-present challenge of maintaining a healthy diet while on vacation. From the irresistible allure of buffets to the bitter reality of going up a clothing size, we explore it all. Prepare to be enlightened and possibly entertained as we journey through finance, fitness, and everything in between.

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Transcript

Speaker 1: 0:00

Welcome. This is going to be my last podcast. Well, for two weeks I'm going to be away. So today we're going to chat about the valuable companies of the world, the FTSE chiefs and their massive pay rises, hul pension complaints and, lastly, how Rishi is going to manage to pay the state pension when the big kick kicks in again next April. So sit back, grab some drinks and relax. I feel my age today. I've been doing, you know, I'm doing my, my, my exercise, and I've been doing a lot of this body weight. I think I'm fitter than I was at 25. Now I'm 45. Um geez, the inside workings. They just feel all sore.

Speaker 2: 0:58

Do you actually generally think you're fitter than you were at 25?

Speaker 1: 1:00

Yeah, yeah, I don't think I'd be able to run faster, because I'm not on the minute. Naturally, I think there's about two people in the world that don't know that I had an Achilles injury a few years ago.

Speaker 2: 1:10

Um, the seven days. But I do think past episodes, so full of that yeah.

Speaker 1: 1:16

I do think I'm more, more, I'm more physically fitter, but I don't think I've is that more than cause.

Speaker 2: 1:22

like you're, you're an average gym goer. I do seven days a week Five. You train the weekends, don't you? Yeah, but in my shed. So my shed so exercise seven days a week.

Speaker 1: 1:32

Yeah, yeah, I can.

Speaker 2: 1:34

Uh, get your body moving. So since you've changed changed into a body weight routine, does that mean you've been fitter than the stuff you were doing before that, Like the chest and biceps workout you were doing. You'll be each weight. So yeah, yeah, yeah.

Speaker 1: 1:50

Do you know what I do think? So, because I think it it makes you get overall fit everywhere else Bloody horrible. Do you know it? Just when you look at what potentially you're gonna, if you find a session to do and you go, how the hell are you going to get through that? But you do. But I do think it's. It's exactly like you say if you go into the gym without a plan, it's a bit like what we do in the world of money.

Speaker 2: 2:13

You're following a program, then yeah.

Speaker 1: 2:14

And if you go into there and you don't have a plan, the first thing he goes what's free and most men will go for something that's free weights and most women I know generalizing it is going over to to to push something up and it's a natural way of generalization.

Speaker 1: 2:31

Yeah, I've going over and just getting the free weights and lifting, you know, and triceps and chest and all that Chest and biceps and get away from all of that. So yeah, I do think I fit, although I think I need three and one oil in all the joints because they all feel sore at the moment. But that's because I was carrying more weight, you see, and you're pushing heavier weight. It's a kind of contradiction because you're pushing heavier weights when you, when you start these body weight exercises and technically, as you go on, you're pushing less weight because you're potentially getting fitter.

Speaker 2: 3:01

But I don't think you're pushing less weight because you're transferring more muscle, which is heavier than fat, isn't it? I think this is not that you'll find. I still think there's a bit of fat there Still.

Speaker 1: 3:09

anyways, talking about fat right, 50 are the most valuable companies in the world in 2023. You know I like to go into these things. Well, 50 are we? God? No, I know. Market cap McDonald's right is valued at $208 billion. And there's. You know how far do you have to drive or walk to see another McDonald's?

Speaker 2: 3:38

They are literally everywhere, aren't they?

Speaker 1: 3:40

They're even in Russia. I don't need to serve them anymore, but they are. They are all over the world Like you kind of.

Speaker 2: 3:46

you generally see the golden arches wherever you go.

Speaker 1: 3:50

Or smell them from a bit further away.

Speaker 2: 3:52

Airports.

Speaker 1: 3:54

Are they airports.

Speaker 2: 3:55

I think they are Um service stations.

Speaker 1: 3:58

Yeah.

Speaker 2: 3:59

They're all major cities, towns, and I'm just thinking like I think in Confidia Lone we got potentially three of we.

Speaker 1: 4:07

I'd say there's at least 45,000 within the UK alone. I could be totally wrong with the numbers. But you know in every small village, and you multiply that by all of the countries you know in America, then the bigger, bigger countries in China, that there must be tens of thousands. I'll tell you now.

Speaker 2: 4:27

So as of July 2023, there was 1396 McDonald's restaurants in the UK.

Speaker 1: 4:32

Is that all?

Speaker 2: 4:33

Yeah, the location of the UK is the country with the most number of McDonald's location in the UK is England, with 1182. Yeah, which is 85% of all McDonald's restaurants in the UK. Wow.

Speaker 1: 4:48

I thought there'd be more than that. Fair enough, maybe we just have been to a lot of them.

Speaker 2: 4:53

That's not a lot of mine, I thought there was more to do.

Speaker 1: 4:56

Well, if you consider between, you know where we are recording this now you could, within 15 minutes, you could end up in 10, 12 of them. So you know the geography of the UK being a lot bigger. Yeah, I was expecting a bigger number, but it is what it is. But it was just interesting. Market cap $208 billion, and you know they're everywhere Amazon.

Speaker 2: 5:19

So that's the market values yeah, the the company yeah, for now and future worth.

Speaker 1: 5:27

Amazon, so McDonald's that we see everywhere. 208 billion dollars Amazon 208 billion, billion. Yeah, so it's not a small number Amazon 1.4 trillion. Well and then you go Apple 2.8 trillion dollars, Just mind blowing. You know McDonald's is this big and you're just trying kind of put in the share value. Yeah, it's huge, it's absolutely huge. And these boys get paid. Well, you know, I'm running them.

Speaker 2: 6:00

But, like I guess, if you look at Apple, the market is full of Apple products, isn't it? Yes, yeah more than 1300 locations? I don't think.

Speaker 1: 6:10

Apple will be listening to this. It's a great way If you're in town. We went into Cardiff last week, we last weekend me and the little man and we were in there a few weeks ago and he went. We go to the Apple shop, so you go into the Apple shop and just go, just have a little browse right, free games in there half an hour 45 minutes we can play on the yeah, don't tell anyone, though that's.

Speaker 1: 6:33

That's a little bit of a gift to everyone there now. Yeah, go in play the computer games, say nothing because you're not loading Smith's anymore.

Speaker 2: 6:43

Scooty card Scooty card's fed up. A following around.

Speaker 1: 6:46

You know you don't have to buy anything in there. No, apple have a lot of my money with a lot of products. So I'm you know I do like them. But you can go in and you can test the the games, but it was in the zone I playing three of them at once.

Speaker 2: 6:58

Yeah, I was busy the Apple stores. Yeah, people just browsing what they actually know they are.

Speaker 1: 7:03

They're all always buying and then when you see them guys are good at selling and they're upselling, you know. Tell them how rubbish the stuff, the stuff that they have, is. It's great at Apple, but I've never been bothered with the whole.

Speaker 2: 7:13

You want a new phone. When a new phone comes out, I generally go two generations below because I know it's gonna be cheaper by the brand new up to date. When yours is about seven generations below in there, don't think they even make yours.

Speaker 1: 7:25

They don't, and, and I only Can't I only? Want to change mine because it's nice and small. I don't want the big ones and I'm gonna have to change eventually at some stage, but so be it. Yours is like the first generation. Mine is fine. It does what I needed to do a party and the anything that isn't great. I was taking calls.

Speaker 2: 7:44

So brilliant calculate, actually the calculate hands then it's shocking.

Speaker 1: 7:49

I was gonna say something else. Do you know, talking about companies and all that they I read the other day the top the futsy 100? Ceos know that pay rises they give themselves the back at. Oh wow. Well, you know, we hear and we we disagree with it that does this cost of living crisis. These guys are living. Guys and ladies are living on a different planet. Average Pay rise for themselves. I'd love to know how to get it sorted. 500,000 pounds average pay rise.

Speaker 2: 8:20

Well, it's the board that decide. Shame on your board's. The executive board decide what the pay rise is gonna be, isn't it?

Speaker 1: 8:26

The guy and runs AstraZeneca. I can't even pronounce his name, sir Pascal, I'm not even gonna try there, cuz I get somebody brave me 15.32 million pounds pay. Now I know that might be made up of shares and future shares. I don't care how it's made up, it's still. That's the package.

Speaker 2: 8:44

That's 15 million. This is salary.

Speaker 1: 8:46

Well, maybe not salary, maybe made up of your face. Yeah, you know, 1.2 million, 1.4 million a month.

Speaker 2: 8:55

I know I could be.

Speaker 1: 8:57

I didn't get his pay rise, but the average was 500k over across the board.

Speaker 2: 9:02

Probably gonna have 10%, isn't he 1.5 million?

Speaker 1: 9:06

hmm, nice, I'm nice little number.

Speaker 2: 9:09

Wow.

Speaker 1: 9:10

They, they said from world in a different world. They don't need to worry about the price of gas going up.

Speaker 2: 9:16

They don't need to worry relative, though, isn't it, because I can't imagine he lives in a two up, two down kind of terraced house and drives around in a tester three. He probably has a free to cars holiday homes. So unless he's like an avid saver, he probably spends all that.

Speaker 1: 9:37

Could well do.

Speaker 2: 9:38

I know there's a point where I think sometimes you can't spend it all kind of discreet sometimes, but he's probably living to that lifestyle.

Speaker 1: 9:48

That's a good lifestyle. There's a good life cost in it.

Speaker 2: 9:51

Yeah, well, he could be. He could be hiring a yacht for the weekend, which might cost him the best part of a quarter a million for a weekend, because that's generally what I cost I think a year or two ago I might have we look to do that yeah.

Speaker 1: 10:06

Um Footballers. I don't know why I have the likes of Messi and Ronaldo in my brain, that they rented a yacht or something, city like that, or two footballers that knew each other, and it was a crazy price for a week.

Speaker 2: 10:18

Yeah, yeah, crazy about a million for a week.

Speaker 1: 10:20

Probably Some of these big yachts, you, which I kind of rented out, the big super yachts, somebody wrote in the paper last week that the better way to get richer Isn't more hard work, it is smarter work. So you know, when you're talking about that guy from AstraZeneca, that I think that's a lot of bull, that statement. Because how rich is rich? You know, if you don't know what makes you happy or what you like, you're not gonna know how much it costs. So you don't know how much money you need. So you don't know how hard hard to work, as in more hours now I know it's not just about the hours but if you know what makes you happy, you can actually structure your life Better, and we talk about that all the time.

Speaker 2: 11:01

So I think that's the biggest problem with people, isn't it at the moment Is that people don't know what make them happy. Yeah, people perceive, or social media tells them should make them happy. Yeah, but isn't what really makes them happy? Yeah?

Speaker 1: 11:14

they're constantly following the Joneses and and trying to buy happiness through Amazon or through Some websites.

Speaker 2: 11:21

It's the dopamine effect isn't it and that, and that's the danger, where you can be fricking through a social media and selling pops of night, then it you look, you look and go oh, wow, that is brilliant. Actually, all I'm being Targeted or marketing wise the moment is CRM systems, because we've been looking at a new CRM systems. That's all I get targeted on social media at the moment, but it has made me click on them and go actually, that's a good one. So now we end up with endless demos of different CRM softwares, but that's a little bit kind of different. But if you're constantly Looking at clothing, shoes, bags, cars, you're gonna be retargeted those things, yeah, and it's then gonna make you, I Guess, kind of think you want it, but actually do you really know why you want that? Is I actually gonna make you any happier by having that product? They don't get me wrong, it might well too.

Speaker 1: 12:09

Well, will they ping you the email in a few weeks time. Gone watch, you've looked at us now 6% less in cost. We thought you'd you'd like to know, and then you know some of them will like, so some of them have.

Speaker 2: 12:21

You know great systems. They retarget you with adverts. Your we used to do and we are clothing brands. You know the retargeting was brilliant. You'd have different kind of ad sets which would have discount codes on them which would drive people in. They worked.

Speaker 1: 12:32

I know you've got. If people could see this now what I'm gonna say to you just gonna roll your eyes Because I'm gonna win holidays next week. I got a code for some clothing company and I ordered the other day. I got a 10% discount.

Speaker 2: 12:47

I got this goes back on YouTube. I got rolling my eye, got eight items Okay you're like a reed your online retails.

Speaker 1: 12:54

Night me I repacked the the bag last night so I just got a drop it off to an every now cuz I'm how many you actually taking of those items of the eight? Zero.

Speaker 2: 13:07

So it's an interesting fact.

Speaker 2: 13:08

Okay, so when we ran the clothing brand which we had, we Back oh go, quite a few years ago, we were, we were looking for investors and we sat down with one of the investors and they were telling us about what sort of markets we could break into and how soon markets work.

Speaker 2: 13:26

They actually talked about the German market. So German mark only comes on a retail and somebody's probably gonna correct me on this, right, but this is what I was told by someone who was very senior in a large clothing brand, actually had been at non-exec level In Germany they will order. So if you're 34 inch waist, deliver order of 32 a 34, 36 inch short, medium and long leg, right, okay, because they'll want to check is the right size for them, and then they'll send it back. So it's expected Also, then, that the return is free, and if they don't, they probably won't buy from you. So it's an interesting market. So that was one of the conversations when, if you want to push into that type of market, we've got to be mindful it's going to cost us a lot of money. So we've really got to decide whether we want to or not.

Speaker 1: 14:17

So the cash flow of selling six items at 30 quid a pop is 100, and 80 quid. Will they all come back. It's going to cost you 15 quid to post out, because we do, and 10 quid to come back.

Speaker 2: 14:28

We used to have free returns. You go on the website. It was linked to Royal Mail. You'd put in your parcel number, hit it and it'd print your return label. Now that would cost us then, so we would get charged. Now we didn't get a huge amount of returns, but when you used to get it, sometimes you'd send it. You might send out a package which might have cost you 10 quid to send out and that was included because it was free post and packaging over a certain value. We come back. So it could cost us 20 quid and we never made a sale. Plus, on top of that it's staff time to pack the items. It was also the advert which might have brought them in, so that might have cost you 30 quid.

Speaker 1: 15:04

You just lost that yeah.

Speaker 2: 15:06

Yeah, so, yeah, so it's kind of, but that's going a little bit off tangent. But if it's there to do, at the end of the day you've bought these things because you want to try them.

Speaker 1: 15:15

It's no different. God knows why you sent them all back mind. To me, I know it's no different than going into town, paying a five at a park, up and trying on things and going. No, I don't feel that I have a duty to go Because I've ordered them online. I have to hold one of them. I didn't want any of them, in fact, I don't know why.

Speaker 2: 15:32

I ordered two of them. Why did you order them?

Speaker 1: 15:35

In fact two of the items I just looked like last night. I went I don't even know why I ordered this and I didn't even unpack them, I just went. They're going to straight back. Anyway, never mind about going back Outside there, that will never go back. There's two containers or two boxes of fuel.

Speaker 2: 15:50

Do you see the numbers in them?

Speaker 1: 15:51

Yeah, fuel, they're flying at the moment. They've never been rewarded for that. Do you remember the original fuel? Which one was? The one that was sand? Do you remember the one that was absolutely horrible?

Speaker 2: 16:02

Strawberry with strawberry and cream. One.

Speaker 1: 16:04

No, the strawberry and cream one was okay, the berry one.

Speaker 2: 16:06

Yeah, that was very nice. The berry one was really kind of watery, wasn't it?

Speaker 1: 16:10

It was.

Speaker 2: 16:10

It was really good. It was my go-to is chocolate and salty caramel. I guess they'll go with strawberry and cream one, but they seem to be.

Speaker 1: 16:18

Have they thickened that up, though? I haven't got one in a while.

Speaker 2: 16:21

I didn't know. It was on the shelves in St Petersburg.

Speaker 1: 16:23

Yeah, not cheap, but they're adapting, a bit like the iOS and Apple. When you look back and you see the original first version that crappy, sandy one they're just evolving and evolving Because I saw the last day they're looking for yeah, feed back in there. They sold. They're even tasters, yeah imagine 300 million meals they sold in the year to July 2022.

Speaker 2: 16:44

Well, I hope they've improved those.

Speaker 1: 16:46

Well, I presume the meals include oh, I presume it's included, all of them, you know? In other words, you had hot water too. Yeah, they're horrible. They're like a pond noodle.

Speaker 2: 16:53

Yeah, yeah yeah, horrible is a bit strong.

Speaker 1: 16:56

An understatement.

Speaker 2: 16:58

Yeah, they weren't the best.

Speaker 1: 16:59

They were brutal.

Speaker 2: 17:00

I tried them all as well.

Speaker 1: 17:02

Yeah, yeah, but they never give you that samples, do they? They're just gonna you buy them or you don't buy them. It is what it is.

Speaker 2: 17:09

Yeah, like so that the RTT, as they call them, ready to drink. We'll see what that's supposed to answer. They're really, really good. The bars they do are not that good. They're brutal. Carbord they make. They do yourself far too sweet, I find, but the rate of drinks they're superb. Yeah, I'd say my goal that's perfect for what I have for breakfast 400 calories, no gluten, no dairy, vegan, friendly for our vegan followers out there. It's, yeah, he, nutriciously good value. People probably argue, the full of sugar and stuff. But hey, oh, you know me, I probably could put worse in my body, could go around to cars, burgers and sticker sausage and Wrong with that, but I ain't gonna be good for me, is it?

Speaker 1: 18:04

do you know what is there value to 440 million and considering they're not going that?

Speaker 2: 18:08

long Wow, and and we're talking about a billion- values we're talking earlier on about the.

Speaker 1: 18:14

McDonald's at 2.208 billion. I know it's a fact, but they're going what? 30, 40 years? 440 million in a couple of years time?

Speaker 2: 18:23

Yeah, I don't know because we go since the 70s, no idea.

Speaker 1: 18:27

There's something on Netflix about McDonald's the founder. Yeah, you know, seen that before. No, no.

Speaker 2: 18:32

It's been a view that is a brilliant for watch it.

Speaker 1: 18:34

No, I've been. I've been too busy on genuinely watch it. You like that the Mark Cavendish, the Tour de France.

Speaker 2: 18:42

I'm better than all of those, lance.

Speaker 1: 18:43

Armstrong's film. No, I'll get to it eventually. Eventually. Too busy, too busy in the gym, pension complaints, right crap servicing levels and a lot of you caveat this first and a lot of people being unable to access their pensions.

Speaker 2: 19:05

So this is the providers we're talking about.

Speaker 1: 19:07

Yes, Complaints to Foss, the albus man only from advices from advice and I've read this directly to Foss from People seeing that there's the service levels of certain companies and trying to get access to their pension when the date comes, either through the age or a death benefit and stuff like that. Three of the, the top culprits, don't mind saying them Scottish widows, reassure and Phoenix.

Speaker 2: 19:42

Just was trying to deal direct.

Speaker 1: 19:43

Yeah, and if I know, we talk about.

Speaker 2: 19:47

Yeah, because they remain sure about I understand with Phoenix and reassure because all they read I was consolidating design. They did not really pension companies.

Speaker 1: 19:54

Everyone talks about pensions, of what growth does it make, what are the charges and what are the flexibility? Maybe, but what they lack is understanding or asking about the service, the service.

Speaker 2: 20:07

That's the reason why we chose the absolute.

Speaker 1: 20:09

We have the service is only an issue. At the point that the service becomes the issue, I, I need my money now. Somebody has died, it's the reactive thing and people you know. It's not given advice here, but if you have any one of those three pension plans, you need to have a serious look, because it might all be rosy now and you're putting the statements into a Box or something, but the date that you come to start wanting that, that's when all the troubles are hard to deal with from an advisor point of view, with any other path We've got a few still kind of we've picked up on there which we've got a Kind of look out now.

Speaker 2: 20:46

But yeah, the service is pretty good. I don't know that.

Speaker 1: 20:50

I think they said there's going to be over a thousand complaints in a year for some of them on service. Let's take the time to complain and the service level is. Nothing got to do with charges, nothing got to do with the, the fund performances in it, it's just the accessibility of it.

Speaker 1: 21:06

Yeah but do you know what people want me to write, as the other day some came up on that I was reading about Rishi Sunak has said they stayed pension and he's gonna honor the triple lock again. So it's neck is. It's the, the September numbers, so for all benefits in here, yeah. September numbers of wage growth inflation, or 2.5% on the September, it kicks in the following April. So you're gonna have all of the M, the I was gonna say all day pensioners, but they're not anymore. Those are age.

Speaker 2: 21:37

They will stay pension honest and the state benefits it's gonna be it's gonna cost a small fortune again from a plan again next year.

Speaker 1: 21:45

Billions again.

Speaker 2: 21:46

You can't, you can't really where they make you this money.

Speaker 1: 21:49

Well, didn't they say it wasn't this? Make him out that. But what's the? The actuaries for lots, the big companies for the DB schemes body, boddington, canada name, they said, based on the numbers, now on the calculation state, not state pension, on the calculation of DB schemes, they have excess and they're looking at taking that money out. And this is where the next she's going to hit the fan, because you're taking a snapshot today, based on the actuarial figures that can change on a regular basis, hence why they have to re-evaluate the CETV Cash equivalent transfer value every 12 weeks. They're looking now at taking money out of these DB schemes to use. So I don't know, does is really gone? Well, they might invest that money somewhere else and we may be able to get tax on that. You can just see a car crash happening again. We don't learn, do we now, on the slightest, we did this before and some repeats oh, my goodness me.

Speaker 2: 22:49

It's there'd be no state pension for us when we come to retire will be a very different thing at this rate, because they won't be any money.

Speaker 1: 22:55

I still maintain there will be, but I think the age is going to go up and it'll be in the 70s, even though it's 60 something now. I think it'll be in some way. However, they do some sort of means tested.

Speaker 2: 23:09

I wonder whether it'll be that element to it. We shall be a bit of a kick in the goodies Because you've still paid into the system. Why should you be Negative in fact much you have, just because you've saved a bit more money than others? I think it's just because point saving is a.

Speaker 1: 23:24

They'll just say well, look you're, it's not a lot You're not saving into the you're in I it contributions not going into a pot for you. It's paying for today's people and the people living longer, there's less people working. So they're not going to be able to afford it. So that is the crap we'll have to deal with. But hey, how they're. There are the issues of the day.

Speaker 2: 23:46

No, really, it's the way the world.

Speaker 1: 23:49

It's just a little come round. Have you had your heel yet now or do it? Will we sign on my heel? I was gonna say it will be signed on the heel before my knee to.

Speaker 2: 23:58

I have. I'll actually have proper lunch in a bit from freezer. One of my frozen Pre-made meals, semi myself not bought.

Speaker 1: 24:08

See, I think there's something to be said about I made my muffins this week. They didn't taste like I'm banana and Card muffins, but we get there, oh.

Speaker 2: 24:16

so what they meant to taste that's what I meant to taste like. Yeah, I can't. I can't eat anything with gluten in, as we know.

Speaker 1: 24:22

I'll make gluten-free ones the next day. Oh, good luck with that.

Speaker 2: 24:24

They'll be dense as you can. They'll be extremely dense. You know what I did literally got to follow those recipes to the tee, right, because otherwise they will literally my one, I didn't. York's putting three tried to make the other day.

Speaker 1: 24:38

Do you remember the guy from?

Speaker 2: 24:40

they break a window.

Speaker 1: 24:42

The Muppets. They're the chef in the Muppets. Do you know what? He's Do-do-do-do big here? Where's the big chef had? Naturally would, as a chef, but he just throw stuff in. That's how I was making my muffins the last day. The recipe was there to use as a guiding light.

Speaker 2: 24:57

Not as a sat. I'm a bit like that and it just like I mean a Satay sauce on the weekend and I kind of looked at that I'm. This is how I generally do a lot of. I'll have a look at the recipe and go You're okay, let me do it my way and just substitute things out and, in fairness, it was superb.

Speaker 1: 25:16

We better let people go home and have some food.

Speaker 2: 25:19

Me myself hungry.

Speaker 1: 25:22

You know all the healthy banana and carrot muffins and satay, satay chicken, satay chicken. I might not be here next week. I might be on holiday. You might have to do something.

Speaker 2: 25:30

Oh, my good solo yeah.

Speaker 1: 25:31

Yeah, yeah, oh, where are you?

Speaker 2: 25:34

Oh, I am a cruise.

Speaker 1: 25:35

Do-do-do-do-do-do-do-do-do. Yeah, see if anyone knows how to survive Disney cruise and For our sleep today.

Speaker 2: 25:45

You'd be alright, you'd be. You'll be able to see Mickey and Minnie, and I'll tell you what I won't be doing.

Speaker 1: 25:50

There won't be any. You'll there. It'll be the full-on oh.

Speaker 2: 25:56

Smash the buffet on a room. So the last cruise I went on.

Speaker 1: 26:01

I thought we're gonna stop talking about food.

Speaker 2: 26:02

We are, but it was a P&O cruise. I was in the Caribbean and every lunchtime they did a different sponge pudding. Now anyone who knows me so I know I'm a big fan of a sponge pudding. This is before the days of where I couldn't have gluten and I used to every lunchtime would have a sponge encusted, literally like heaven Do you know when you go on holidays To be honest, like, literally, like you're on a massive come-in there when you come home?

Speaker 1: 26:26

Oh, I'm dreading it Two weeks of it. Do you know when you go on holidays and you have a big breakfast at usually about nine o'clock or?

Speaker 2: 26:32

three course breakfast.

Speaker 1: 26:35

And then by 11, if you're in a resort, something you can smell the chips or something by the pool you go. I'll eat again.

Speaker 2: 26:41

All the cruise is usually got like a barbecue going with the burgers.

Speaker 1: 26:43

You want to eat them now and a half and go on your sat by a pool.

Speaker 2: 26:46

You'll have your burger at 11 from the little thing, and then at 1.30 you'll go and have another buffet and then you'll have a little snack then later on and then you'll be into your seven course evening meal or whatever it is.

Speaker 1: 26:57

I think this is why I needed to buy the eight pieces of clothing the other day, because I needed a small, medium and large, or sorry, a medium, large and extra large for the different days Just on the walk around the ship a few times. Enjoy next week. I'll be listening in. Thank you 9.