Search found 412 matches

by Ydobon
Thu Mar 16, 2017 11:30 am
Forum: Housing Questions
Topic: 1% rule for housing applicable UK / Worldwide?
Replies: 11
Views: 1731

Re: 1% rule for housing applicable UK / Worldwide?

Glasgow resident here feel free to ask questions and I'll do my best to answer.

The rental market is as horrible here as it is in any other major city, properties snapped up in hours/sight unseen, toerag landlords etc.
by Ydobon
Wed Mar 15, 2017 4:45 am
Forum: ERE Journals
Topic: Ydobon's Independence Referendum
Replies: 74
Views: 12134

Re: Ydobon's Independence Referendum

Time for an update :) 75%? of home renovations complete, we have stopped using credit to pay for work, which has greatly reduced my stress levels as we are paying as we go. This slows down the pace of work, which is allowing me to spend more time with my wife and daughter (who is now a confident tod...
by Ydobon
Wed Mar 15, 2017 4:28 am
Forum: ERE Journals
Topic: vexed's ERE journey from the very beginning!
Replies: 260
Views: 37563

Re: vexed's ERE journey from the very beginning!

I love the massive resellers on Amazon who are using bots to control the price of their inventories, some of the bargains that can be had are ridiculous if you're patient. As a method of delaying/preventing consumption I use Camel Camel Camel to alert me when a book/CD hits its lowest price ever (us...
by Ydobon
Wed Mar 15, 2017 4:19 am
Forum: DIY Skills Questions
Topic: Toilet paper and safety razors
Replies: 41
Views: 4735

Re: Toilet paper and safety razors

Recently spent £43/$53.99 for 200 fancy razor blades, expecting to get 14 years of shaving from them. I haven't told my wife, but plan to RE by the time they're finished. good countdown :) what type of blade does Ydobon prefer? Very delayed response, I am using Feather blades. After trying 4-5 diff...
by Ydobon
Thu Feb 09, 2017 7:24 am
Forum: DIY Skills Questions
Topic: Toilet paper and safety razors
Replies: 41
Views: 4735

Re: Toilet paper and safety razors

Resurrected after 6 months? That's practically new for this forum! :D Recently spent £43/$53.99 for 200 fancy razor blades, expecting to get 14 years of shaving from them. I haven't told my wife, but plan to RE by the time they're finished. Also a Merkur fan, although I would consider swapping out m...
by Ydobon
Thu Feb 09, 2017 7:18 am
Forum: Money Questions
Topic: Knowing where we are in the business cycle
Replies: 5
Views: 1202

Re: Knowing where we are in the business cycle

cmonkey wrote:I usually read the Fidelity monthly updates.
Thanks very much for the link, despite the caveats, I found the diagram in the February report to be very helpful.
by Ydobon
Tue Dec 20, 2016 4:09 am
Forum: Health Questions
Topic: Soft drink consumption
Replies: 49
Views: 5506

Re: Soft drink consumption

Yes, nearly every day, usually diet drinks such as generic cola or Irn Bru (this is mostly a Scottish thing, although Vexed or some of the well travelled ERErs will be familiar with it). In general I'd say my diet is crap, because I can't control the quantities that I eat, sometimes I think I have a...
by Ydobon
Thu Dec 15, 2016 7:36 am
Forum: Money Questions
Topic: .
Replies: 27
Views: 3573

Re: Unexpected expenses every year

A lot of lucky kids! I didn't get my first shitty desktop until I was 15, I spent my own savings to buy it and my parents never provided me with a computer or mobile phone. Nowadays kids need laptops. It's required by the school. These are public schools as well - i.e. government funded. We help gi...
by Ydobon
Thu Dec 15, 2016 6:49 am
Forum: Money Questions
Topic: US Real Estate - crash coming?
Replies: 11
Views: 1539

Re: US Real Estate - crash coming?

Similar discussions are taking place in the UK. Bits of the property market are probably in bubble territory (London), others are merely perennially popular (Edinburgh (financial hub), posh bits of Glasgow (sub-Edinburgh prices, but very hipster-y)). Others (NE of the country etc.) remain positively...
by Ydobon
Mon Dec 05, 2016 11:56 am
Forum: Money Questions
Topic: .
Replies: 27
Views: 3573

Re: Unexpected expenses every year

A lot of lucky kids! I didn't get my first shitty desktop until I was 15, I spent my own savings to buy it and my parents never provided me with a computer or mobile phone. With 5 children at home, they would have been in the poorhouse before long :shock: While they definitely don't fit the mould of...
by Ydobon
Tue Nov 15, 2016 7:35 am
Forum: ERE Journals
Topic: cmonkey's journal
Replies: 645
Views: 82773

Re: cmonkey's journal

I love the cats exploring carpets photos :)
by Ydobon
Thu Nov 03, 2016 7:16 am
Forum: Money Questions
Topic: Brexit
Replies: 325
Views: 29575

Re: Brexit

'Brexit' Must Face a Parliamentary Vote, U.K. Court Rules http://www.nytimes.com/2016/11/04/world/europe/uk-brexit-vote-parliament.html So glad about this. It is good to see the injection of some sanity around this issue from the courts, but the decision is still open to appeal (a date has already ...
by Ydobon
Mon Oct 24, 2016 10:42 am
Forum: Money Questions
Topic: What online mag/newspaper subscriptions do ERE-ers have?
Replies: 26
Views: 2642

Re: What online mag/newspaper subscriptions do ERE-ers have?

I recently discovered that my local council offers free online access to a number of general interest magazines, which was a nice surprise. Nothing too groundbreaking, but I will be taking advantage of the Economist and a couple of IT titles :)

They offer books as well, but it's mostly crap.
by Ydobon
Mon Oct 24, 2016 10:39 am
Forum: Money Questions
Topic: Brexit
Replies: 325
Views: 29575

Re: Brexit

@Bryan -

I can't believe we're getting an independence referendum do over - my journal title will be far less amusing...
by Ydobon
Mon Aug 08, 2016 3:37 am
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 108
Views: 11173

Re: Bitcoin on the rise

stayhigh wrote:
Ydobon wrote:Does anyone have any tips for someone just starting out?
I'd recommend spending some time reading this, for better understanding:
https://en.bitcoin.it/wiki/Main_Page
Thanks for that.
by Ydobon
Fri Aug 05, 2016 5:26 am
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 108
Views: 11173

Re: Bitcoin on the rise

I would be interested in buying BTC with a very small amount of my fun money (basically gambling and a chance to find out more about the technology, which is fascinating).

Does anyone have any tips for someone just starting out?
by Ydobon
Fri Aug 05, 2016 5:23 am
Forum: Money Questions
Topic: Are E-readers worth the cost?
Replies: 84
Views: 5992

Re: Are E-readers worth the cost?

I've only ever owned a kindle so that's my only reference. I'm so parsimonious about furniture that I don't have a nightstand or lamp by the bed. If you're as cheap as me, you'll probably appreciate an e-reader with a backlight. Other than that: I have no useful things to say about e-readers. :) We...
by Ydobon
Thu Aug 04, 2016 7:20 am
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 108
Views: 11173

Re: Bitcoin on the rise

wood wrote:Bitcoin got hacked the other day and dropped 20% in value. I'm just waiting for something similar to happen to "real" money.
It seems to be happening every other day in the UK at the moment :lol:
by Ydobon
Thu Aug 04, 2016 7:18 am
Forum: Money Questions
Topic: Are E-readers worth the cost?
Replies: 84
Views: 5992

Re: Are E-readers worth the cost?

I own a Kindle.

.epub documents can be converted for Kindle.

I don't own a Kindle with a backlight. As far as I'm aware 'paperwhite' refers to the display technology (more pixels), not the light. When I'm in a dark room, it's because I want to sleep :)
by Ydobon
Wed Jun 29, 2016 3:34 am
Forum: Money Questions
Topic: Brexit
Replies: 325
Views: 29575

Re: Brexit

Thanks Jacob, good shout re. absolute values.
by Ydobon
Wed Jun 29, 2016 2:57 am
Forum: Money Questions
Topic: Brexit
Replies: 325
Views: 29575

Re: Brexit

In the wake of the EU referendum, the value of my pension and tax privileged accounts have bounced up as the pound is devalued vs. other currencies such as the dollar (I'm nearly 100% equities at this point, the majority of which are US/European/EM). Do I count this as a positive for my NW position ...
by Ydobon
Wed Jun 22, 2016 10:16 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 1188
Views: 138911

Re: Investments Trade Log

Did the market really rebound because that woman was shot? I'm not sure I have the stomach for this anymore. :( We're 50, so I figure as long as we have at least 50x expenses in the bank. I don't need to play the market anymore. Tempting ... I think a more positive reading might be that when she wa...
by Ydobon
Wed Jun 22, 2016 9:48 am
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 108
Views: 11173

Re: Bitcoin on the rise

I would posit that the Greeks have experienced something close to austerity, or at least a nasty period of cold turkey!
by Ydobon
Wed Jun 22, 2016 9:44 am
Forum: Money Questions
Topic: Brexit
Replies: 325
Views: 29575

Re: Brexit

I was starting to think that y'all didn't care about us in Britishland! :lol: FTSE is back up to 6300 or so, but I'd imagine that there's a reasonable bit of upside to a remain vote. Will probably take a punt on a suitable ETF tomorrow with the intention of making a little beer money. If there is a ...