I'm kind of considering this

https://disconnect.me/offer

It's not the best due to its location(s). I see it as more of a hint to your ISP that you value privacy, rather than something keep the feds out... but $49 for life!

A fine move Desert. Good times ahead with the family.

I set myself a 18 month deadline to my "kind of" sabbatical about 72 months ago now, haven't regretted one moment spent with my family.

My situation was somewhat similar, I'm still wrapping up from taxable holdings into two ISAs. I've found in practice the PP is pretty tax efficient, I haven't hit any significant capital gains or income tax issues along the way. That said our income situation has changed year to year so long term pl...

ATM I use iWeb and XO. Both low commission, no 'holding' fees . XO does Gilts online, iWeb you have to phone (I think). I don't have any short term bonds, hasn't been worth it during the time I've used the PP. I have some deep cash in ILSCs the rest is spread around various savings/current accounts,...

Hi Banker 22 and welcome to the forum. Some thoughts on your questions I think over time the thing you need to worry about most is fees, make sure you choose the most suitable broker / fund combination. http://monevator.com/compare-uk-cheapest-online-brokers/ http://monevator.com/low-cost-index-trac...

Desert wrote:Humans are built to chase passions, not to retire from them.

TJLYOM

Reminded me of a somewhat tongue in cheek rejoiner or modifier I read the other day.

http://thetattooedbuddha.com/2018/02/17 ... fold-path/

Nice work, PS . I’m liking the sound of 1804, hope it all comes together.

1. What do y'all think of the idea of using the PP as a base portfolio, then switching to 100% stocks once the PP is big enough? Been mulling that one over since Tyler added UK data to his site. The ‘portfolio finder’ spits out a PP + 20% EM mix for a .6% CAGR lift thats quite tempting… but ya know ...

Nice write up and good to see portfoliocharts getting some love in the comments.

Cullen Roche wrote a nice piece on bitcoin yesterday, also has lots of other ideas that resonate with HBs. I kind of like the idea of the addition of a dumbass portfolio to the PP/VP mix. ...with such a new technology everyone is essentially a dumbass and the most dangerous dumbasses are often the d...

I think that’s in safari 11, it tries to detect and discard tracking cookies. In terms of an ad tracking arms race the Adnauseam plugin is the tactical nuke. https://adnauseam.io/

Google facebook ect. all pushing the line that the surveillance makes the advertising super potent... really ?
When I switch off my adblocker and see 3/4 of a page of crap that I bought or decided not to buy months ago I get this sudden urge to clear my cookies purchase, right ?

I'm surprised this news doesn't seem to be getting a lot of attention. The theft of enough personal information to facilitate the ID theft of 140 million people sounds like the potential death of ez-credit as a policy to me. At the personal level here's a guide to protect yourself in the short term....

I went on a media fast when I found myself reading about golden showergate in what used to be a 'serious' newspaper. If it's any consolation brexit was causing previously unseen levels of stupid in the UK media. Fortunately, IRL few seem to care, which restores my faith in humanity somewhat. Take it...

Hi Welcome to the forum. Looks like a sound plan, just a few comments for consideration. fscs compensation limits are 85K for cash and 50K for investments per person per institution, so consider spreading your stash around a few brokers. Aim to use your tax exempt accounts carefully, I'd suggest wra...

I do wonder about some of the early members like Wonk, gizmo-rat, 6 iron, WildAboutHarry, et al who seldom post now, or not at all. I want to know if they moved to a different strategy or just got tired of the forum, as the portfolio mostly runs itself. I'm still around and stuck with the PP. I'm a...

IoT devices are useless, poorly made insecure POS. When theyre not spewing your private data to some dodgy server in China, theyre harnessed in some botnet DDoSing the entire interwebz. All lovingly chronicled on https://mobile.twitter.com/search?q=internetofshit Probably best considered as a contra...

Meh, I had to purchase (at premium) an approved under 18 street legal pen knife for my daughter's unsupervised camping expedition. http://shop.getoutwiththekids.co.uk/wp-content/uploads/2015/11/DofE-Victorinox-penknife-tools.jpg Note the rounded unsharpened end to the blade. The pointed end to the s...

But the problem with the people in The Millionaire Next Door is they're fucking boring. Yep, when complete conformity (do well at school, get a good job in finance, engineering or law, max out your 401k, don't do anything "stupid", retire at 45 and play with your spreadsheet...just look a...

Mark Leavy wrote: Everything ready to throw in the pack

Wow, I send the kids off to school with bigger packs than that.

This actually makes me smile, I think I'm envious of your stuff.

With the caveat that I mostly use a mac, it sounds like an ownership problem which would occur on any version of windows in these circumstances. Changing ownership of files and folders in windows is a bit of a faf but there's shortcut you can install to add a 'take ownership' item to the context men...

Gumby wrote: I wonder if these things can survive with normal incandescent lights?

Peace lilies and Spider plants, pretty much bombproof and tolerant of low light.

Is there a way using chrome or an extension, so that you can recover tabs from prior session under most circumstances. Under those circumstances I right click on the new tab and select second option from the bottom of the menu, menu item is "Reopen closed window" or "Reopen closed ta...

mase wrote: I am from the UK, 25/75 what average returns would I be looking at.

3.6% real.

Real (after inflation) annual return over the last 50 years
STK 5.7%,
BND 2.9%.


Or have a look at transferring it into a SIPP when you change jobs or sooner if your employer will pay into a sipp.

I tried it a while ago, it's good in that its fast, stable and looks inoffensive. However it felt a little clumsy to me particularly once I'd started adding in a couple of other applications, I then fubar'd it fiddling around. Which actually pretty much sums up my whole linux experience. I'm looking...