Search found 303 matches

by Nomad
Sun Jul 05, 2020 5:21 pm
Forum: Lifestyle Questions
Topic: Emigration
Replies: 12
Views: 647

Emigration

I was wondering if anyone as part of their FI journey has considered emigrating. Currently, I am in the UK and it is cold, wet and boring espeically in the Winter - also, it isn't exactly cheap. I am considering options for legally and permanently having residency / citizenship abroad escpecially in...
by Nomad
Fri Jul 03, 2020 9:36 am
Forum: Money Questions
Topic: The Index Funds Challenge II
Replies: 1
Views: 589

Re: The Index Funds Challenge II

Friday 3rd July prices

Fundsmith Global Equity, = £5.1080

Fidelity Global Technology, = £4.1700

Vanguard FTSE Global All Cap Index Fund (passive), = £136.28

Vanguard Global Equity Fund (active) = £181.89
by Nomad
Tue Jun 30, 2020 12:36 pm
Forum: Money Questions
Topic: Mind the Gap
Replies: 11
Views: 827

Re: Mind the Gap

Interesting idea. Was this a conventional mortgage then? I read on your 2020 thread that you were doing salary sacrifice and also that you quit your job. Did you arrange the mortgage before any of that started? It feels like the mortgage option would be most easily available while you don't need it...
by Nomad
Tue Jun 30, 2020 8:44 am
Forum: Money Questions
Topic: Mind the Gap
Replies: 11
Views: 827

Re: Mind the Gap

Well, I am currently 52 and a bit and I can get my UK pension pots at 55 - that gap is currently 32 months, but who is counting... It turned out that I had a lot of money in pensions but not much outside of that. I decided to a bit of creative accounting and remortgage my house. a very competitive r...
by Nomad
Tue Jun 30, 2020 8:21 am
Forum: ERE Journals
Topic: 2020
Replies: 100
Views: 25792

Re: 2020

With regard to things other than the numbers, I've been not working for 3 months now but during that time the pandemic has restricted travel to only the absolute essentials. I've been cooking all my own food rather than any premade sandwiches at work and I've lost a few pounds, now at 181 pounds, ju...
by Nomad
Tue Jun 30, 2020 7:29 am
Forum: ERE Journals
Topic: 2020
Replies: 100
Views: 25792

Re: 2020

The figures for June are derived from these inputs/outputs.

Inputs
Investment growth £5052
Rent a room £280
Total Incoming = £5332

Outputs
Shopping/Spent £-918
Mortgage Interest £-47
Car Depreciation £-100
Car Depreciation £-50
Total Outgoing = £-1111
by Nomad
Tue Jun 30, 2020 7:05 am
Forum: ERE Journals
Topic: 2020
Replies: 100
Views: 25792

Re: 2020

End of June monthly numbers. a) £41671 (same) b) £81449 (+1877 growth) c) £25721 (+590 growth) d) £91642 (+2098 growth) Pensions total = £240483 (+4565 growth) Investments £24554 Savings/stuff £12297 House £100000 (same) House Mort £-34585 (+316) Car £7100 (-100) Todays total is £349724 ( +4221 on t...
by Nomad
Sat Jun 27, 2020 11:49 am
Forum: Money Questions
Topic: How to sell valuable niche items?
Replies: 9
Views: 542

Re: How to sell valuable niche items?

Ebay is quite expensive in terms of commission that they charge. I would look at websites similar to GumTree - if you have that.
Also, Facebook has pages relating to 'buying selling swapping' in specific towns/areas.
by Nomad
Mon Jun 22, 2020 9:26 pm
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 24
Views: 3233

Re: The Index Funds Challenge

RE: VEU The yiend information for VEU ETF, I was using was from here: https://investor.vanguard.com/etf/profile/distributions/veu I think I was only using the first two numbers when I said the yield was less than one percent, I didn't realise they were quarterly. So we can now incorporate the figure...
by Nomad
Sun Jun 21, 2020 3:27 pm
Forum: Money Questions
Topic: In The Market?
Replies: 43
Views: 3385

Re: In The Market?

@thedollar The 'bonds' I have are actual mutual funds containing bonds with Vanguard. US Government Bond Index UK Government Bond Index and Euro Government Bond Index. There purpose is not to make massive returns, it is mainly to be a cash like pool of money to liquidate and buy equities when they d...
by Nomad
Sun Jun 21, 2020 2:22 pm
Forum: Lifestyle Questions
Topic: Grass Eating Boys in Japan
Replies: 11
Views: 1355

Re: Grass Eating Boys in Japan

@Stahlmann
I saw a documentary series recently about Japan and it turned out that there is a huge percentage of adults without partners who haven't had sex in years.
by Nomad
Sun Jun 21, 2020 1:52 pm
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 24
Views: 3233

Re: The Index Funds Challenge

Yahoo finance among many others has all the data. It’s your thread though, so you’re welcome remove VEUR data from this experiment. Just don’t keep tracking something that’s incorrect as it may be misleading to first time followers. Ok, I have checked the dividend payout of VEUR. Per year it is abo...
by Nomad
Fri Jun 19, 2020 12:14 am
Forum: Money Questions
Topic: Stock Market Blood Bath
Replies: 81
Views: 12487

Re: Stock Market Blood Bath

Well, in record time. I'm back to where my investments were at their peak around 18th February...
by Nomad
Thu Jun 18, 2020 11:50 pm
Forum: ERE Journals
Topic: 2020
Replies: 100
Views: 25792

Re: 2020

Well unexpectedly early, my net worth has recovered to its previous peak.

18/02/2020 peak, 348k
15/03/2020 low, 314k
19/06/2020 new peak, 348k.

That's a recovery rate of over £10k a month...
by Nomad
Wed Jun 17, 2020 5:18 pm
Forum: Money Questions
Topic: What does Robert Kiyosaki mean by "you don't need money to make money"
Replies: 28
Views: 5042

Re: What does Robert Kiyosaki mean by "you don't need money to make money"

Well, it is kind of true, you don't need money to make money in that you can work a job to get money and you didn't have any money before you got paid. However, he probably means with regard to investment etc. There are many things you can do to make money with little effort for example how about: I...
by Nomad
Mon Jun 15, 2020 12:54 pm
Forum: ERE Journals
Topic: 2020
Replies: 100
Views: 25792

Re: 2020

Markets drop again, dead cat bounce?
a) £41671
b) £79054
c) £25143
d) £88855
Pensions total = £234723 (-1804)

Savings/stuff £36549 (-249)

House £100000
House Mort £-34685
Car £7100

Todays total is £343687 ( -2053 )

85.9% of target
by Nomad
Thu Jun 11, 2020 7:05 pm
Forum: Money Questions
Topic: Psychological challenge of sticking with a volatile portfolio
Replies: 89
Views: 4269

Re: Psychological challenge of sticking with a volatile portfolio

These days, I do not stick with a volatile portfolio. What I do now is go here and look at the CAPE/Shiller index: https://www.multpl.com/shiller-pe Currently it is 28.15, therefore I have about 28.15% of my stash in non-equities. If the market gets overvalued, say it goes up to 35, then I sell some...
by Nomad
Thu Jun 11, 2020 4:30 pm
Forum: Money Questions
Topic: In The Market?
Replies: 43
Views: 3385

Re: In The Market?

It looks like we are in for another crash... the NASDAQ is down over 5% today.

I will see what has happened by the middle of next week and may rebalance a little.
by Nomad
Sun Jun 07, 2020 5:22 pm
Forum: Lifestyle Questions
Topic: Time frugality
Replies: 36
Views: 8216

Re: Time frugality

I must confess that my usage of time is not efficient or frugal.
If anything since going into 'trial-FI' my use of time has got worse.
I willl follow this thread for ideas...
by Nomad
Sat Jun 06, 2020 4:46 am
Forum: ERE Journals
Topic: 2020
Replies: 100
Views: 25792

Re: 2020

An ok week.
a) £41671
b) £79649
c) £25602
d) £89605
Pensions total = £236527 (+609)

Savings/stuff £36798 (-612)

House £100000
House Mort £-34685 (-316)
Car £7100 (-100)

Todays total is £345740 ( +212 )

86.4% of target