Search found 138 matches

by Noedig
Fri Jun 16, 2017 11:11 pm
Forum: ERE Journals
Topic: Buying my Freedom
Replies: 4
Views: 300

Re: Buying my Freedom

Dude, you have net 350k at 34. Notwithstanding bad earlier decision making, that is freaking awesome compared to the 40-and-in-debt origin stories I sometimes read round here. Strategy sounds solid - HYP plus rental property. All I can say is the usual stuff: control what you can of your outgoings a...
by Noedig
Fri Jun 16, 2017 10:52 pm
Forum: ERE Journals
Topic: Bristol ERE journal.
Replies: 51
Views: 9530

Re: Bristol ERE journal.

Wotcher, Bristoldude. Glad things are going well. As a long time contractor I observe it's getting trickier to take money out of your company. In the wider scheme of things this is rightly so, but personally it is an embuggerance. One thing I would say, is use expenses where you can, as it is all ta...
by Noedig
Sun Jun 11, 2017 9:33 pm
Forum: ERE Journals
Topic: Halfmoon's journal
Replies: 350
Views: 28260

Re: Halfmoon's journal

Reading from the beginning and now have to go to bed because I have to get up in 4 hrs to go to work. Love your prose style, warmly ironic and the self-deprecating observations crack me up.
by Noedig
Sun Jun 11, 2017 5:00 pm
Forum: ERE Journals
Topic: Noedig's Journal
Replies: 47
Views: 10488

Re: Noedig's Journal

Hi all. We took a long weekend away to Zaragoza in northern Spain ( for culture&food ) and the Pyrenees (for walking). Superb places to visit - Zaragoza is an ancient Roman town wrapped in a medieval town wrapped in a modern town . The tapas is to die for, as is the food in general. Currently (being...
by Noedig
Tue Jun 06, 2017 10:07 pm
Forum: ERE Journals
Topic: C40's Journal
Replies: 780
Views: 122119

Re: C40's Journal

Great thoughtful blog. Like the bit about how people seize upon a positive experience and turn it into a personal Meaning Of Life for a while. I wish you inner peace and good encounters.
by Noedig
Tue Jun 06, 2017 9:49 pm
Forum: ERE Journals
Topic: Derp und Drang: The_Bowme Journal
Replies: 17
Views: 1164

Re: Derp und Drang: The_Bowme Journal

Don't be hard on yourself. You are saving, you are out of debt, you have a low enough cost life to coast for a bit, increase the buffer, and let the pattern emerge. You are young and can make a major shift once the an idea gestates and takes hold. I think, you are doing OK.
by Noedig
Tue Jun 06, 2017 9:38 pm
Forum: ERE Journals
Topic: Noedig's Journal
Replies: 47
Views: 10488

Re: Noedig's Journal

Wife has three separate cancer sites. Is waiting for op, stoically. Our plans for the summer are in abeyance pending treatment and followups. On positive side, elder daughter is now in US as camp counsellor, learning responsibility and independence. I am shovelling away the coin by working hard. Mig...
by Noedig
Mon May 15, 2017 7:38 pm
Forum: Lifestyle Questions
Topic: Problems money can't solve?
Replies: 17
Views: 1700

Re: Problems money can't solve?

"Life is like a sh*t sandwich. The more bread you have, the less sh*t you have to eat". Also, this precise issue is tackled by Plato in the Republic, where surprisingly it is proposed that the main benefit of wealth is to facilitate independence and thus moral integrity: http://www.perseus.tufts.edu...
by Noedig
Sun Apr 23, 2017 5:29 am
Forum: ERE Journals
Topic: Noedig's Journal
Replies: 47
Views: 10488

Re: Noedig's Journal

Well it's a bit more of a sh*t sandwich than we first thought, but with luck there will be no additional secondary cancer sites. It puts the ERE thing into perspective. I don't mean "Burn money, p*ss it all up against the wall, for tomorrow we die!", so much as "Life is short, enjoy it, not endure i...
by Noedig
Fri Apr 21, 2017 4:13 am
Forum: Lifestyle Questions
Topic: Best solution for ~3 mi professional commute: Electric Bike, Touring Bike, Scooter/Moped, Car, Shuttle, etc.?
Replies: 32
Views: 1725

Re: Best solution for ~3 mi professional commute: Electric Bike, Touring Bike, Scooter/Moped, Car, Shuttle, etc.?

Without my bike commute, I would (and have in the past) turned into a potato. With the commute, each day is the better for the moderate metabolic zinger it gives me. Go bike. Possibly with one of your current bikes, and reconsider come autumn.
by Noedig
Thu Apr 20, 2017 10:58 pm
Forum: ERE Journals
Topic: cjm's Journal - ERE in the UK
Replies: 27
Views: 3007

Re: cjm's Journal - ERE in the UK

That frozen banana stuff sounds freaking awesome, I will try that. "Go to Australia for a couple of years and soak it up my friend" Got to admit, wish I'd done that, I look back over the decades of slog and a bright couple of years of Oz would be a nice thing to recall, particularly if I could paste...
by Noedig
Mon Apr 17, 2017 3:36 pm
Forum: Lifestyle Questions
Topic: Sock longevity and darning
Replies: 10
Views: 565

Re: Sock longevity and darning

I fix bikes, shoes, furniture, electronic gear, phones and anything I can learn to do. My experience with socks is that by the time they have a hole, they are almost always threadbare elsewhere and so mending them is futile.Good quality socks are a must - walking socks last a very long time and are ...
by Noedig
Mon Apr 17, 2017 3:25 pm
Forum: ERE Journals
Topic: Noedig's Journal
Replies: 47
Views: 10488

Re: Noedig's Journal

On the negative side, my wife has just been diagnosed with cancer and that will clearly dominate the next six months or so, if we are lucky. Seeming proof, were it needed, that Providence randomly raineth down the sucky stuff. On the positive side, I am shovelling away the coin, just as well as my t...
by Noedig
Mon Apr 17, 2017 3:12 pm
Forum: ERE Journals
Topic: cjm's Journal - ERE in the UK
Replies: 27
Views: 3007

Re: cjm's Journal - ERE in the UK

cjm - you still with us man? What happened to the bike tour, I would like to hear. Cheers!
by Noedig
Sat Mar 25, 2017 11:38 pm
Forum: Money Questions
Topic: Role of High Yield Bonds in a Portfolio
Replies: 10
Views: 948

Re: Role of High Yield Bonds in a Portfolio

The problem with treasuries/gilts, is that QE artificially depresses their yield to the point that it is almost zero. This is a straightforward steal by the govts of the West, from savers. The logical response, is to either eschew the state fixed interest market (unless going for outliers like Ukrai...
by Noedig
Wed Feb 22, 2017 6:40 pm
Forum: ERE Journals
Topic: JollyScot's Journey Starts
Replies: 27
Views: 3260

Re: JollyScot's Journey Starts

Hail JollyScot. That's an interesting tale. You reached the threshold very young. Plainly it doesn't hurt to have tight budget tracking. Amazing Net Worth jump - I'm guessing the contract is at a much higher rate than mine! Can't tell from the mails but I'm guessing the fiancee thing didn't work out...
by Noedig
Mon Feb 13, 2017 10:37 pm
Forum: ERE Journals
Topic: journal of wood
Replies: 63
Views: 5432

Re: journal of wood

Hey journal of wood Everyone's just laid into you. Harsh ... will seem unfair. I can easily see a future scenario in which I'm ERE and wanting to go on adventure abroad, while she wants to stick with her job and want kids. If we break now we atleast avoid future drama.' This seems the core issue. Th...
by Noedig
Fri Feb 10, 2017 10:48 pm
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 441
Views: 66042

Re: DutchGirl's journal

Wotcher Dutch.
Good progress with the savings.
You sound like you recharge when alone: classic introvert, if so.
Keep on, keeping on.
by Noedig
Fri Feb 10, 2017 10:36 pm
Forum: ERE Journals
Topic: calixarene's journal: I just can't wait to be free!
Replies: 12
Views: 2038

Re: calixarene's journal: I just can't wait to be free!

My sympathies for your tough year. Your concerns about your grandmother are touching, and your memories of her are precious to you: that will always matter. Reminds me, I wish I could have time with my long-departed grandparents again. They were just context when they were alive, now they are inacce...
by Noedig
Fri Feb 10, 2017 9:58 pm
Forum: ERE Journals
Topic: Noedig's Journal
Replies: 47
Views: 10488

Re: Noedig's Journal

George - "are there any UK sports that are not peculiar?" you ask. Well a sense of the absurd is one of the better national characteristics and a tendency to make a silly game out of anything, is part of that. Football evolved from bands of rival villagers milling around and kicking a pig's bladder,...
by Noedig
Sun Feb 05, 2017 8:06 am
Forum: ERE Journals
Topic: Noedig's Journal
Replies: 47
Views: 10488

Re: Noedig's Journal

Checking in. Went back to work. As expected, it was project crunch time from the get go, and long hours. But it's a good team, and the work is well paid. So back into earning mode I went, or as I put it to myself "bog snorkelling" (a peculiar UK sport involving swimming underwater through muddy ditc...
by Noedig
Mon Oct 31, 2016 12:52 pm
Forum: Money Questions
Topic: Advantages to having high net worth, aside from spending it
Replies: 32
Views: 4222

Re: Advantages to having high net worth, aside from spending it

I'm with Plato (or his mouthpiece Cephalus in The Republic) that having riches allows you to not have to stoop in your standards, or be unjust, because of poverty. It frees you from this and other evils.
by Noedig
Sat Oct 29, 2016 11:06 pm
Forum: Money Questions
Topic: Brexit
Replies: 274
Views: 23091

Re: Brexit

I work in the City of London. Brexit came as an enormous surprise. Overall it seems frankly quite mad, most votes cast on the basis of misdiagnosed symptoms and erroneous cures, bigotry and wishful thinking. Yet some voted Brexit for reasons I can respect: lack of democracy in the EU institutions; n...
by Noedig
Sat Oct 29, 2016 10:44 pm
Forum: Money Questions
Topic: Gambling advertisement
Replies: 3
Views: 553

Re: Gambling advertisement

I am not averse to gambling as such. Or even for budgeting to spend money on it. People must be considered adults, capable of managing their own risk. Naturally, the industry relies on inciting unrealistic expectations of winning. For example, just this week in the UK the TV has saturation advertisi...
by Noedig
Wed Oct 26, 2016 10:16 am
Forum: Lifestyle Questions
Topic: Best and Worst Habits
Replies: 3
Views: 660

Best and Worst Habits

To me, habit and routine are useful ways of getting stuff done without expending willpower. Also a way of trying to avoid giving energy to harmful behavior patterns. Expressed beautifully here : "Be careful of your thoughts, for your thoughts become your words. Be careful of your words, for your wor...