Recent Posts

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Wise words from you all, especially about health. Something we take for granted while we have it.
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43-year-old me to younger me:

Do: continue to invest in your art career.
Don't: mix up art research with extended holidays.

Do: dump that guy, keep it that way.
Don't: worry, life will turn out better than you ever imagined. Just keep making the work, live frugally, create and follow every opportunity that comes your way.
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Ask a Mustachian / Re: Best housing options for an aging parent?
« Last post by former player on Today at 02:35:44 AM »
I would second Gizmo in saying that the best thing for your mother is to live somewhere she can create a new community around her.  That may be your house or not.  Your house would mean family close by.  But is there anything else close by, within walking distance, for instance?

If not, finding a retirement community with activities and facilities and the chance to make new friends would be good.  She will miss the friends and community she currently has, but at 67 is young enough to build a new community around her.

It's a good thing you are doing, though.  My mother and aunt both moved in later life to live near me, which brought us all closer and meant that they could both stay in their homes for life rather than going into a residential home.
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UK Tax Discussion / Re: How to invest after maxing out S&S ISA
« Last post by cerat0n1a on Today at 02:35:36 AM »
if capital gains does become an issue then calculating it can be a real PITA.

One of the oft overlooked big advantages of an ISA!

Dutty - I think the previous answer is spot on.

However, it might depend on your other investments - whether you already earn dividends or interest elsewhere and whether you will have another £100k to invest next year, or whether this is a one-off. If this wasn't a theoretical example, I'd probably say £40k into pension should be considered, too.
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Thanks to this thread I sliced a couple of carrots and a giant red capsicum today and munched my way through them while hanging out with a friend.
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It sounds to me like a lot of people really enjoy their jobs and that's good news.

Yes, I know quite a few engineers who have £2 million or more (and who live fairly sensibly and don't waste their money) who still turn up for work every day. I might have been like that myself in the past. That's because they love their work and would do it as a hobby otherwise. I know people in their eighties with considerably more than this who also continue to work. Not everyone shares our goals.

Most of the people the article quotes just aren't used to thinking about these kind of sums. I imagine they didn't go too far from the office to take the photos, outside of London no-one would say "you can't even buy a house for a million pounds"
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Ask a Mustachian / What website builder would you recommend?
« Last post by RickiRick on Today at 02:19:51 AM »
I am an illustrator. Mostrly I sell on some stocks. But recently I've got an idea that it woulb great to create own site, where I can post my works. And maybe, in the future I will be even able to sell my images through it. My friend says it is waste of time and money. But I've heard some website builder can do help. Has anyone used some? What one would you advice?

And, indeed, is it good idea with creating of this site?
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Nine hundred dollars for a tour of Vietnam is very, very expensive. A three-to-four-star hotel everywhere outside Saigon itself should cost about forty dollars a night, and it's genuinely hard to spend more than a couple of dollars on a meal. My wife and I were in Hue about six years ago, and the bar we were in was giving away a free T-shirt to anyone whose bill was over twelve dollars. Having had two mains and three cocktails between us, we had to order another round to get over the line and claim the shirt.

As far as I remember, I brought fifteen hundred euro to Vietnam. I spent an overnight in absolutely ridiculous luxury on Ha Long Bay (with two ten-course meals), bought myself two suits in Hoi An, and came home with six hundred quid left.

Yeah, it seems expensive. I think I could probably arrive and find local operators. Iím not too fussed.
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Take the money that you were going to spend on the new car (surely you have saved 20-30K cash for that already right? lol) and instead of buying the car invest it.  Then buy with a beater car or multiple beaters over the course of the next 10 years.  Only buying a new car with the profits generated by that first "new car stash" many years later. Then repeat every 10-12 years over your lifetime as needed.

Point being that instead of buying a car on credit and paying for the equivalent of 2 cars (due to interest payments) and repeating that financial disaster every decade. Buy only one car (the initial savings stash) and let that pay for all your cars (transportation) for the rest of your life. 

Interest rates have fallen and investment returns are variable so the results are not quite the same in 2017 as it was some years before, but the mental picture is that instead of buying 10 cars over your lifetime (1 car every decade for 10 years at a high interest rate so nearly paying for 2 cars each time) buy only 1 virtual car investment at 28, and let that pay you back with 4 new cars over your lifetime.
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Off Topic / Re: Las Vegas. I'm tired of this.
« Last post by former player on Today at 02:02:00 AM »
Changing gun laws is career suicide for politicians. This is why they won't do much or anything. The citizens want guns, is the bottom line. If a politician or political party tries to take them away, or heavily restrict them, they can kiss whatever power they have goodbye. WE are the ones who are keeping current gun laws in place. The politicians are a reflection of us, here in the US, like it or not. The CITIZENS have to decide they've had enough, not the politicians. The politicians won't do much of anything without our support, and the majority of Americans don't want to give up their guns, or have them restricted, including some of the left. It's just the reality.
No, it's the reality of a populace captured by the gun lobby.  How the populace think now is not the same as what they used to think and it's not the same as how they will think in the future.  Change happens.
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If you have 2 weeks to spend between HCMC and Bangkok, that does not leave much time for site seeing. You will have some jet lag for the first few days and spend a day traveling between Saigon and Bangkok. With that itinerary I would probably try to split the difference and spend roughly a week in each city as they have a different vibe and feel.

If you had not booked that flight route I would have recommended that you visit only one country or the other, giving you more time to venture out to other parts of the countryside away from the metro area. Such as visiting the coastal area of Vietnam a little bit north of Saigon or heading north of Bangkok when in Thailand. But even a whirlwind trip will be a lot of fun and eye opening if you have never visited.

If you want to see a lot of the tourist sites with maximum efficiency then a guided tour is good. But when in Vietnam and to a slightly lesser extend when in Thailand getting help once on the ground is not difficult and often cheaper. And better tailored to your schedule and interests.
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