Search found 1134 matches

by vexed87
Wed May 24, 2017 10:11 am
Forum: Health Questions
Topic: How to quit coffee?
Replies: 9
Views: 223

Re: How to quit coffee?

Cold turkey would be the simplest approach. :lol: Alternatively gradually reducing consumption, but if you experience headaches when going with smaller doses, cold turkey would be best, just to get it over with. How can you be sure coffee is causing these problems though? Have you run controlled exp...
by vexed87
Wed May 24, 2017 8:26 am
Forum: Lifestyle Questions
Topic: Best lifestyle jobs for early retirees?
Replies: 7
Views: 223

Re: Best lifestyle jobs for early retirees?

Gardening strikes me as an obvious option, especially if you can take produce home at the end of the day, for cutting down on food costs. I would also consider opening a bakery, brewery, carpentry business, or monetising any other hobbies. Albeit, on a part time or informal basis, so it doesn't beco...
by vexed87
Wed May 24, 2017 7:54 am
Forum: DIY Skills Questions
Topic: Struggle eating an avocado?
Replies: 13
Views: 301

Re: Struggle eating an avocado?

/facepalm.

I love avocado's but they are faffy to process, but it's part of the fun.
by vexed87
Wed May 24, 2017 7:45 am
Forum: Money Questions
Topic: ETFs in Ireland
Replies: 7
Views: 148

Re: ETFs in Ireland

So no stocks and shares ISA equivalent? Alternative investment strategies might be in order then, e.g. letting property, purchasing a business. Another, slightly more extreme approach would be to seek British Citizenship and open an ISA here. :shock:
by vexed87
Wed May 24, 2017 5:42 am
Forum: Money Questions
Topic: ETFs in Ireland
Replies: 7
Views: 148

Re: ETFs in Ireland

In the UK, it's currently possible to shelter your investment dividends and gains from higher rate taxes in ISA's for your first £20,000. There are also SIPPs, but I don't know as much about tax clauses because they are of less interest to me because of the mandatory minimum retirement age. Surely t...
by vexed87
Tue May 23, 2017 6:50 am
Forum: Lifestyle Questions
Topic: Wood Storage Strategy
Replies: 6
Views: 188

Re: Wood Storage Strategy

@pukingrainbows, How much do you use in a given year? Is it your sole form of energy, or a backup? Fuel for cooking, or just heat? I'll pick up on the last but perhaps most important point you made. If you foresee obtaining wood in the future in sufficient quantities to be useful, then no matter how...
by vexed87
Tue May 23, 2017 5:29 am
Forum: Resources & Recommended Reading
Topic: How to Rebuild Our World From Scratch
Replies: 18
Views: 1945

Re: How to Rebuild Our World From Scratch

I read it too, fantastic read! 8-) Why this obsession with reinventing the wheel? It takes incredible pessimism about the world or other people to believe any of the above mentioned might happen, And at the same time incredible optimism about yourself to think you will survive it in case it did happ...
by vexed87
Mon May 22, 2017 10:13 am
Forum: Lifestyle Questions
Topic: No Waste Cooking
Replies: 5
Views: 339

Re: No Waste Cooking

100% waste free is hard to achieve, so I don't bother, instead I prefer to focus on minimisng plastic packaging etc and sending as little to landfill as possible, sometimes I don't put the bins out for collection for a month or two, and even then, they are rarely full. I don't worry about food wasta...
by vexed87
Fri May 19, 2017 9:22 am
Forum: Money Questions
Topic: permanent portfolio questions
Replies: 11
Views: 539

Re: permanent portfolio questions

Sorry for a third post, I overlooked your first and most interesting question: "is it still a valid strategy with the growing national debt and quantitative easing going on ?" This is one of my concerns also, but I don't feel confident that I can give an accurate insight, what follows is only specul...
by vexed87
Fri May 19, 2017 7:51 am
Forum: Money Questions
Topic: Low growth, end of money and prioritising financial capital vs other forms
Replies: 22
Views: 1334

Re: Low growth, end of money and prioritising financial capital vs other forms

Yeah, interesting. I'm coming at it from a different angle, that of a 29 y/o, early on in accumulation phase, slightly anxious that I won't have enough time to accumulate enough to be FI before the industrial systems start breaking apart and it becomes impossible to join the ranks of the haves of so...
by vexed87
Fri May 19, 2017 7:06 am
Forum: Money Questions
Topic: permanent portfolio questions
Replies: 11
Views: 539

Re: permanent portfolio questions

@Frosti, as for the home country bias, I think it's purely a matter of efficiency and simplicity. If you have ever seriously entertained holding oversea's investments, you'll realise what a nightmare the tax arrangements, FX fees/risk and red tape can be. It's not a great leap to see how the costs e...
by vexed87
Fri May 19, 2017 6:44 am
Forum: Money Questions
Topic: permanent portfolio questions
Replies: 11
Views: 539

Re: permanent portfolio questions

@Frosti, yes suggesting operating two distinct PPs was what I suggested above! :D
by vexed87
Fri May 19, 2017 6:30 am
Forum: Money Questions
Topic: permanent portfolio questions
Replies: 11
Views: 539

Re: permanent portfolio questions

International diversification (in this context, basket of international funds/stocks/bonds/whatever) is the anathema of the PP allocation stratergy, precisely because it screws with the rebalancing of the asset classes in complex ways as I tried to allude to above. Diversification is not to be confu...
by vexed87
Thu May 18, 2017 7:33 am
Forum: ERE Community
Topic: UK meetup in Leeds, Yorkshire - Saturday July 22nd
Replies: 6
Views: 322

Re: UK meetup in Leeds, Yorkshire - Saturday July 22nd

Yes please, that will save me some digging.
by vexed87
Thu May 18, 2017 6:57 am
Forum: ERE Community
Topic: UK meetup in Leeds, Yorkshire - Saturday July 22nd
Replies: 6
Views: 322

Re: UK meetup in Leeds, Yorkshire - Saturday July 22nd

@crazylemon, thanks for the heads up regarding MMM meetups, I don't frequent the forum. We can shift the dates if need be, I picked this date only because it's close enough to garner interest, but leaves time to make necessary arrangements. @Bristoldude, presumably your main reservation is distance ...
by vexed87
Thu May 18, 2017 5:13 am
Forum: Money Questions
Topic: permanent portfolio questions
Replies: 11
Views: 539

Re: permanent portfolio questions

Most of these questions are addressed in Craig Rowland's book . Have you read that? If not, start there. Will the PP earn you massive short term returns compared with other ' riskier ' strategies? Short answer is No, it all depends on your market timing. Will you be able to preserve your wealth in t...
by vexed87
Wed May 17, 2017 10:23 am
Forum: Money Questions
Topic: Low growth, end of money and prioritising financial capital vs other forms
Replies: 22
Views: 1334

Re: Low growth, end of money and prioritising financial capital vs other forms

I'm not necessarily equating total absence of money in your accumulation strategy with dealing with cataclysmic SHTF scenario, or planning for a transition to world without money, rather a scenario where investments cannot be relied upon for FI and meeting needs for retirement due to prolonged low g...
by vexed87
Wed May 17, 2017 8:52 am
Forum: Money Questions
Topic: Low growth, end of money and prioritising financial capital vs other forms
Replies: 22
Views: 1334

Low growth, end of money and prioritising financial capital vs other forms

This is sort of a spin off to a post I almost made to the FI with a mortgage thread that came up recently, but thought it might warrant it's own discussion. The beauty of ERE to me seems to be it's hedged nature, it's ability to deal with living the best life possible in an eternal growth scenario o...
by vexed87
Tue May 16, 2017 5:28 am
Forum: ERE Community
Topic: UK meetup in Leeds, Yorkshire - Saturday July 22nd
Replies: 6
Views: 322

UK meetup in Leeds, Yorkshire - Saturday July 22nd

Any takers on establishing a UK meetup group? If there are any lurkers not keen on posting online, feel free to PM me. I know I'm taking a punt on this as there are not too many UK ERE forum readers from what I can gather, we may need to extend this to the MMM forum to boost numbers. Seen as though ...
by vexed87
Fri May 12, 2017 9:18 am
Forum: Work & Education
Topic: University in England (Fees or Graduate Tax)
Replies: 7
Views: 375

Re: University in England (Fees or Graduate Tax)

Taking a loan, government or private, with the intention of not paying it back strikes me as immoral. I"m with Chenda - her ideas sound best. It's only immoral if you forget to factor in that the loans are issued by the government which is paid for by the UK taxpayer. The loans are paid out of cent...
by vexed87
Tue May 09, 2017 9:45 am
Forum: Work & Education
Topic: Alternative Investments as opposed to work
Replies: 35
Views: 2067

Re: Alternative Investments as opposed to work

If you want to make beer money, brewing good beer might be an option. :lol:

@Riggerjack, search the yellow pages advice is perhaps one of THE best suggestions I've seen on this forum.
by vexed87
Thu May 04, 2017 9:27 am
Forum: Health Questions
Topic: Coffee consumption questions
Replies: 21
Views: 852

Re: Coffee consumption questions

The French press only comes out at home if I'm drinking coffee alone, I use the kettle as it's more efficient at heating the smaller amount of water than the drip machine, quicker too, but doesn't produce coffee while unattended, you need to be present to time the brew. At the office, there's a wate...
by vexed87
Thu May 04, 2017 9:20 am
Forum: Health Questions
Topic: Coffee consumption questions
Replies: 21
Views: 852

Re: Coffee consumption questions

To cut down on costs and packaging, there are two obvious options. Instant Coffee vs. Whole bean/ground coffee. I regard the former a sin, and the latter the best way to consume coffee. Ideally go for whole beans. Pre-ground coffee is more convenient, but doesn't retain it's freshness as long as who...
by vexed87
Wed May 03, 2017 6:49 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 335
Views: 39573

Re: Portfolio Charts

Tyler, this is literally awesome. Chapeau! 8-)
by vexed87
Wed May 03, 2017 3:55 am
Forum: Transportation Questions
Topic: Cheapest way to move my modest amount of stuff to a new city?
Replies: 21
Views: 1159

Re: Cheapest way to move my modest amount of stuff to a new city?

I'm moving this week, van hire has cost me £65 for a long wheel base van, plus cost of fuel, which isn't much as new house is 1.5 miles away. We have spent 3 days donating and recycling possessions, mostly bought before concept of ERE was discovered. I can see why people pay others to pack, because ...