bazil85

Sure would.

Not lecturing at all, like I've said many times. I've asked a very simple question, that has so far not been answered without the implication being we'd likely still be in the Championship. The point I have made about JR signings, did you know for a fact Donatti and Hill wouldn't be needed? They were both signed for midfield cover yes but they were signed as safeguard measures and we have to imagine on relatively small financial costs. Wold you have been happy if the profit was maybe £15k, £20k higher which I imagine would be the maximum financial cost for both? Look at Hearts, an injury crisis can happen at anytime, this is actually a great example of risk mitigation and not so much risk taking. As for Danny Mullen and Ryan Flynn, they both have contributed to the title run in/ this season so not sure where the issue is. I will ask yet again though, who has the crystal ball and knew the destiny of all these players? The simple matter is we could not have cut the budget without not signing players. Say GLS told JR 'you can only sign five less players.' Those five less players might have been Kirkpatrick, Hilson, Buchanan and the two Stewart's. Could very easily have been C Smith, Reilly, Davis, L Smith and Mcshane though. If someone wants to present to me a strategy that would have gotten us promotion, the SP income that goes along with that and increased our profit margins for last financial year, please go ahead.

I don't think it's fair to say no one GAF. I'd say a more realistic breakdown of SMISA members would be A very small number not in favour of funding the pitch A much larger figure in favour Larger still (just over half) don't GAF or happy with other people deciding by voting.

Which would make a grand total of one extra staff members from AS to OK

Announcement yesterday that he’s now left his post at NYRB. The post doesn’t give much more in the way of information.

Or about four people commenting on a post. Sums up your very one tracked view on certain subjects I’d say

My worry that fans can think being happy about a club in profit for two (will likely be three) seasons in a row is insane, is real. Also to think some fans think it would have been better not to spend the money, not increase our income streams and not get promoted surely has to be some kind of insanity?

See above

You typing it doesn’t make it true I’m afraid From the guy that’s almost always in the top five weekly posters list

Nothing more than putting words in my mouth. Absolutely fine with questioning the club. Only ever asked simple questions. What’s people’s alternative strategy that would have achieved the same and increased our profits. And how can anyone possibly tell (know better than JR) what players would have been a success/ needed

better than getting a semi over misreading our accounts as something negative...

You have held onto one wording error I made (which was due to the accounts from this year changing wording terms on the 2017 submission) three days ago. To make this very clear to you: SMFC ARE RECORDING A PROFIT FOR THE LAST FINANCIAL YEAR I will continue to respond to you, I don't mind, maybe soon it'll sink in. You can keep being petty or accept that we made a profit.

You're free not to respond, you clearly have an issue with someone supporting a strategy that's returned more money than yours would have. Having that viewpoint retrospectively is really baffling...

Really not sure what you aren’t understand about us making a profit last year. You continue to put up a pretence that I don’t understand what you’re saying as you focus on isolated figures as opposed to the accounts as a whole. That’s fine, it’s clear that’s your go to, trust me i understand what you’re saying SMFC spent the additional money because they had the money. For you to pick out figures from accounts that meet your negative agenda and ignore the big glaring facts that the accounts are in the black, profits have went up considerably, we now have increased income streams and a successful year on the pitch is completely ridiculous.

Winning that league title this year must have been such an upsetting time for you. Imagine a football club spending the money it has to win silverware. ‘We will really be focusing only on maximising profits with no concern at all for the product on the park’ said no one running a football club, ever. (Apart from maybe Mike Ashley)

Same as St Mirren in the last two years then? I actually do, not that you asked or bothered to look further than one comment three days ago. Part of my qualification required for my current job relates to credit and lending and isheavily weighted towards accounting,. Credit risk also requires a good level of knowledge and CPD in accounting but I'm sure you know that. Me actually basing on your previous messages, where you have suggested a strategy that would have cost the club likely a seven figure sum, you don't seem even remotely equipped to help me 'understand' accounting. And as for toning down, maybe you should look back at some of your disrespectful, petty and unfounded wording (just a thought) I'm perfectly comfortable that my stance is in line with practically every football club at our level that has brought in transfer sums,. That of using those funds to push the club forward is not a bad thing. That opinion shared by a self-made millionaire in GLS, I imagine he has a decent business brain as well.

One thing all the clubs you mention have in common (and in no way have in common with SMFC over recent years) is they spent money they don't have. Every club (that I can think of) that has gotten into financial difficulty has been the result of borrowing and spending money in the hope of recouping it (money they didn't already have). This again is not relevant in the slightest to our club, fortunately. I get that a number of fans on here are very, very risk adverse but in all honesty, the approach we have taken over the last two years is also pretty risk adverse.

The windfalls did not come after the spend so there was no fortune involved, again we spent what we had. We didn’t spend then hope we can make it up. The academy has been pretty self sufficient, we have now brought in roughly double the original cost to set it up it sounds like people want to imagine the very worst happening where we never sell another player and never get a single other significant cost. That might happen but it’s much more likely it won’t. if it didn’t happen, we survived for nine years in the SP previously during an unprecedented poor time for selling players for a club at our level ,with our standard of academy. So to suggest there could be worrying times if this happened again, is only speculation and without evidence we don’t have a contingency plan, is without foundation the other areas you’ve mentioned face every club at our level. it’s part of being a football club, yet clubs hitting financial problems is still the exception to the norm we are not overspending and gambling with credit, both usually/ if not always exist when a club hits problems as for your risk management assessment, it is completely invalid. Again see my comment regarding us spending money because we had it. If we didn’t have it or we have levied costs higher than the finance we had, that would be the risk. Yet again, us spending money we have is spending within our means. Asfor the SMISA comment, SMFC ask because they can and the majority of SMISA voting members do because they want to save the club they support money. It’s exceptionally simple to understand. SMISA fund a cost = SMFC save that cost and can put it towards something else. Can you not see how that might be appealing to say... a St Mirren fan? You can say it’s ‘pish’ but that’s you calling the person that quoted the clubs stance a liar. I’m more than happy that people have the viewpoint that we should have saved money. This has all escalated from me asking to clarify one point, that I’ve either had no answer for or an answer that would cost us more income and see us playing at a lower level. 1. The strategy worked, what would be an alternative to getting us SP football, increased income streams involved in SP football and recorded a bigger profit margin?

I appreciate a lot of people don’t have time on here for posts that aren’t overwhelmingly negative

Surprised you read them, do you not usually lose your concentration after two sentences?

We have a winner with this post, surely 1. Okay so we budget for only income we can guarantee, why bother even selling players then if we aren’t going to use the income to get the club further forward? The money was there we have made it work for us and now have much more income this season given we’ve been promoted. You realise spending funds that come in (one off income or otherwise) and not more, is still living within our means? 2. So the stadium doesn’t really need big improvements, we have spent some money on it and volunteer groups have done some great work. Ralston has been improved over last couple seasons. We save money for a rainy day fund and stay in the Championship because we hvent invested in the player squad. So ultimately that rainy day fund is much less than the income that SP football can generate. Brutal business model so far and likely not one used by a single football club that has generated significant transfer income. But I’m sure you’re right and they’re all wrong... 3. What financial storm? This still remains a fantasy in your head and until you can evidence we’re going to have ongoing operational costs above our income over the coming seasons it remains a fantasy. Again what’s the long-term plan? Is it higher than the current plan to establish ourself as an SP team. How is staying in the Championship and looking at money sitting in the bank going to generate us more income to implement your strategy than the sponsor, tv, crowd, etc extra income that comes from being in a higher league? 4. So let me get this straight, you’d be happy with relegation and big cuts to our income stream as long as the board aren’t taking all these unnecessary risks that put out club in danger? All these risks that you haven’t been able to identify and certainly not evidence? You are saying our stability is at risk when we’re going to announce three years profit and increased our revenue. You’re saying that without a shred of evidence that we will have unaffordable operational costs going forward. Just think on that for a second. As for BTB fan ownership has not only worked for many clubs, it’s been a great success. This is yet more fairytale worry from you without foundation IMO well that was a fun read this morning, covered my train journey nicely. I think we can summarise by saying the strategy has worked, we’ve made profits and you’ve shared no evidence of a lurking financial ‘bust’ good job

The naivety in your post really is something to behold here. It would be like blowing a lottery win on hookers and coke if the hookers and coke started generating you even more money. Exactly what the spend has done for SMFC in getting us into the SP I gave you the example of nine years in the SP with next to no player sales. You are talking about doomsday events that recent history has shown, hasn’t happened. If you think we don’t have a strategy for relegation (for probably the first time in our recent history) please feel free to show evidence of this. IMO two things will happen this season. We stay up and have another year of SP income to play with, or we go down and implement a relegation strategy. You seem to be confusing our financial situation with club success now. We are a yo-yo club, our support level means it’s very predictable. Over the last 18 years we’ve been relegated twice, had good times and bad the difference in the second time was the financial situation we were in. It was much healthier. You are now suggesting that might not be the case now and if we get relegated this season it could potentially mean a financial bust, is that right? If so, again feel free to evidence. Because we were spending what came in, in 2014/15 as well. you say a business should be run to make a profit. The reality of SMFC making profit the last two years (when many of our rivals haven’t) set to make it this year, increased revenue income AND delivered on the football side, that being lost on you is really staggering. If you think football can be lumped together with other businesses and doesn’t have a lot more of an emotional element than others, then I’m equally glad you’re not part of our business decision making. You’ve also ignored we don’t have shareholders that take profits as their income. Another thing you are really struggling to grasp is the money was spent because it was there. Unless you have evidence we’d have/ will spend money that’s not there, it isn’t an issue. You’re talking about a doomsday that isn’t there and it is really baffling. To summarise, the board strategy has worked two years in a row resulting in profits, it is likely to result in another profit this year. This working strategy has resulted in not only profit but increased revenue streams that will mean should one off incomes not happen again, we are in a position to financially adjust. You are creating boom and bust financial fantasies by using an argument of the football bust that happens with relegation. Hopefully me pointing out the sound financial footing we were on with our last relegation may be a better indicator than what happened 18/30+ years ago is a better stat. Although feel free to show evidence that there is no plan for relegation in place or we’ll not be able to adjust our budget in the SP if we don’t sell players (like we recently did for nine seasons)

We’ll ignore you breaking two parts into three. If I was being as petty as you regarding holding onto a single use of a term and that showing a lack of ‘understanding’ on my part I might have used it. 1. I fully understand the importance in generating income and not being reliant on transfer income to move the club forward. It has nothing to do with our strategy of spending money that’s available to us to increase other revenue streams. That’s exactly what has happened. We’ve spent transfer income and we now generate SP level income as opposed to championship level income. 2. I clarified what I meant in my second post. You are the one that as above was so petty you wouldn’t let it go for about three pages. As was previously mentioned, terms were changed and it was an honest mistake, you have latched onto it as something more than it was now for the best part of three days 3. I am not confused in the slightest and the point is completely irrelevant to the strategy st Mirren use. A strategy that as above has been a success. If you think the strategy is we should sit on money and be happy in the Championship, fine. It would not be as financially beneficial as this strategy has proven to be so far. 4. I haven’t at all, you have casually ignored that this could be a completely reletatice term due to other income streams we now have from being an SP club. St Johnstone/ Hamilton two established SP clubs with similar/ lower income opportunities to St Mirren can currently afford to pay players more and survive at this level with their strategy. Strategies that also include spending money they have from whatever source. Neither have particularly large cash reserves 5. I have shown a frustration to the negativity that is systemic on here. Pointing out my belief we would have equal/ more negativity if we had recorded massive profits while languishing mid-table in the Championship 6. Again no confusion in the slightest. Running the club properly is prudent and can’t be denied given our profits and the fact no one at the club or on here has been able to evidence and of these potential disaster scenarios that we’re apparently so close to (if some posters are to be believed) the goal of SMFC will always be to deliver the best product on the park. I have simply pointed out us being in the SP is part of that. Something the current running of the club has achieved (plus profits and plus increased revenue opportunities) 7. Hopefully the above has clarified my understanding for you. I would be disappointed if you yet again return and jump on the single miscommunication which I’ve put my hands up to me quoting the wrong term. It is very much splitting hairs and petty. As I read your next paragraph it’s clear my point 7 should more or less be removed as you’ve continued with your childlike approach to this conversation. As I have pointed out many times I am in no way linked to the club bar season ticket and SMISA membership but I do work in conduct and compliance risk. If my boss or other colleagues acted in the manner you have over a strategy I support that’s been proved a success, they wouldn’t be asked to clear out their desk but there would certainly be raised eyebrows. To elude to tha tbeing fullish says more about your business acrimony than mine

It would hurt them least regarding survival as full-time clubs, it would hurt them most regarding financial loss. Football is a money business and the people that profit and run these clubs will be having absolutely none of it.

Don’t worry about it. You couldn’t possibly muster any sort of argument that it would be more financially viable to our football clubs long-term future, to still be in the championship. cheering away that we have the £300k in the bank from the Morgan sale and how that is so much better than having all the extra revenue that comes from being in a higher league. You could put that in crayon, pen, pencil or scroll it in your own dribble, it still wouldn’t make much sense to anyone with half a business brain.