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  1. Thread: Sacked it off

    by lukemg
    Replies
    4
    Views
    537

    Sometimes I try to imagine what sort of offer...

    Sometimes I try to imagine what sort of offer could ever entice me to go perm, it would have to basically be extortion for me even to consider it !
  2. Thread: Sacked it off

    by lukemg
    Replies
    4
    Views
    537

    Sacked it off

    It occurs to me that although the first week on a contract is a bit s**t, the final week tends to be great as you are on your bike and the normal stuff you have to sort is about to go away.
    This has...
  3. Thread: Cryptocurrency

    by lukemg
    Replies
    7,660
    Views
    567,397

    WHS - Please don't bet anything you can't afford...

    WHS - Please don't bet anything you can't afford to lose, these bubbles have come and gone for hundreds of years and the phrase - 'here comes the stupid money' exists for a reason.
  4. Replies
    41
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    4,906

    Quality !

    Quality !
  5. Thread: Cryptocurrency

    by lukemg
    Replies
    7,660
    Views
    567,397

    https://dealbreaker.com/2018/05/robert-shiller-thi...

    https://dealbreaker.com/2018/05/robert-shiller-thinks-bitcoin-will-probably-go-extinct-but-if-you-want-to-trade-it-during-his-final-exam-then-go-ahead-and-be-a-moron/
  6. Replies
    21
    Views
    2,237

    I was once informally offered an extension at a...

    I was once informally offered an extension at a leading high street bank only to stroll in on my last day to a tap on the shoulder saying sorry, it's not happening, thanks for all the fish....
    A few...
  7. Replies
    23
    Views
    1,661

    VWRL or VHYL, value average in monthly, go and do...

    VWRL or VHYL, value average in monthly, go and do something more interesting....
  8. Replies
    89
    Views
    4,659

    Firstly - You have my sympathy, I suffered a...

    Firstly - You have my sympathy, I suffered a severe bout of depression lasting a couple of years and could have cared less if a bus took me out of the game during that time.
    However - Employer...
  9. Thread: Renewal time

    by lukemg
    Replies
    13
    Views
    1,817

    not a bad option, they will test your resolve, if...

    not a bad option, they will test your resolve, if they get to the making an offer of increase stage you are in a good position, they will likely lie, squirm, blame end-client before that.
  10. Replies
    151
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    122,238

    Sticky: I have considered switching from HL a number of...

    I have considered switching from HL a number of times and may do so in the future but in the meantime I have switched virtually all investments into ETF index funds and Investment Trusts (not...
  11. I am seeing this a lot, I am convinced a large...

    I am seeing this a lot, I am convinced a large amount of work is getting dished out to networks of people who have worked together previously.
    T'was ever thus but I think it is more important now...
  12. Thread: Renewal time

    by lukemg
    Replies
    13
    Views
    1,817

    Be reasonable to start with. Say you are happy to...

    Be reasonable to start with. Say you are happy to stay but are looking for a reasonable rate rise to lock yourself in for the 18 months. 725 doesn't sound terrible %age wise.
    They will say...
  13. Replies
    25
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    2,088

    Got 23 years on the clock, exit plan is FIRE...

    Got 23 years on the clock, exit plan is FIRE (Financial Independance/Retire Early).
    It's a nice feeling when you are setup financially even if you choose to carry on, you never have to stay...
  14. Replies
    15
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    2,693

    Gorilla - switched from SJD, freeagent and Jordan...

    Gorilla - switched from SJD, freeagent and Jordan is well up to speed.
  15. green river rising - lighweight but good birds...

    green river rising - lighweight but good
    birds of prey or rage - Wilbur Smith
  16. Replies
    893
    Views
    182,794

    Sticky: I am gradually working my way out of individual...

    I am gradually working my way out of individual shares, when I compare to returns from uk all-share tracker and especially a world tracker(Which you should definitely do to have any idea of...
  17. Thread: Childrens ISAs

    by lukemg
    Replies
    25
    Views
    2,794

    True that...2 mates from my youth got a few k at...

    True that...2 mates from my youth got a few k at 18, both bought motorbikes the next week. Yeah, they are grown up, if you have raised them right blah blah.
    Reality is that it's often a dificult...
  18. Thread: Childrens ISAs

    by lukemg
    Replies
    25
    Views
    2,794

    Setup similar but now oldest is nearly 18 I am...

    Setup similar but now oldest is nearly 18 I am very wary of handing over thousands in cash to finance some 'interesting' lifestyle choices AND you have to hand it over....
    Time again, I would retain...
  19. ifISA ??? Value cost averaging monthly into VWRL...

    ifISA ???
    Value cost averaging monthly into VWRL and VHYL ETF's
  20. Replies
    139
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    9,498

    +1 for the americans and Goliath. Ray Donovan

    +1 for the americans and Goliath.

    Ray Donovan
  21. Replies
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    5,090

    Just say - 'perm !!! are you 'kin kidding ? If I...

    Just say - 'perm !!! are you 'kin kidding ? If I wasn't out of here in 3 months I would top myself now...'
  22. Thread: Choosing an IFA

    by lukemg
    Replies
    3
    Views
    577

    Just give me half your returns and I will make...

    Just give me half your returns and I will make you rich.....
    Be very careful any advice doesn't cost you more than you make, the costs are very important.

    How many years of work have you got...
  23. Replies
    40
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    2,823

    That is a fair shout, they don't do SIPP's...

    That is a fair shout, they don't do SIPP's currently but are planning to soon apparently but for an ISA, that is a better option for just Vanguard stuff.
  24. Replies
    40
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    2,823

    You don't need advice to invest 50k, it's easy. ...

    You don't need advice to invest 50k, it's easy.
    Go to HL.co.uk.
    Setup ISA.
    Put 20k in.
    If you have AT LEAST 5 years and preferably 10 before you need the money, buy Vanguard Lifestrategy 80/20...
  25. Replies
    40
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    2,823

    IF you really want to invest in commercial...

    IF you really want to invest in commercial property, don't be crazy enough to buy a place yourself, use an investment trust e.g. FCPT.
    Kicks out dividends monthly, invested in wide variety of...
  26. Replies
    19
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    2,355

    Would be a shame not to give this a go IF it's...

    Would be a shame not to give this a go IF it's got legs and doesn't mean you investing tons, leaving your retirement in tatters.

    With no kids I would be sorely tempted to run this alongside a...
  27. Replies
    502
    Views
    35,698

    Cool, since I am in the accumulation phase, it...

    Cool, since I am in the accumulation phase, it drops, I start buying heavy.
    20 years time, the blip on the graph will barely be noticeable.
  28. Replies
    893
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    182,794

    Sticky: The charges on active funds are almost without...

    The charges on active funds are almost without exception brutal to any gains you might get. It's the main reason why virtually none beat the ultra low cost indexes over 10-15 years.
    Yes, some will...
  29. Thread: Bitcoins

    by lukemg
    Replies
    37
    Views
    4,200

    We must have run out of 'greater fools', that was...

    We must have run out of 'greater fools', that was quick...

    Might scare off some of the stupid money but they will pile back in on the next upturn before the final crash and burn....
  30. Replies
    18
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    2,120

    Chap I used to work with was informed there was a...

    Chap I used to work with was informed there was a 10% cut coming and responded with: excellent, I was wanting to open a discussion about rate, I am looking for a 20% rise. He ended up getting 10%, it...
  31. Thread: Bitcoin

    by lukemg
    Replies
    127
    Views
    8,586

    The rather ungracious phrase is - 'here comes the...

    The rather ungracious phrase is - 'here comes the stupid money'....

    Doesn't mean it still won't bounce higher, could go 100k or back to zero. I can't guess which and have missed this boat.
    There...
  32. Thread: Bitcoin

    by lukemg
    Replies
    127
    Views
    8,586

    It's still only $200bn, sounds like a lot but...

    It's still only $200bn, sounds like a lot but would actually only be a bump in the road at worst if it goes to zero.
    Late investors get turned over of course but earlier ones just kick themselves...
  33. Replies
    7
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    2,128

    WTAS - IF you feel the need for more exposure to...

    WTAS - IF you feel the need for more exposure to property beyond your actual house (which is typically a huge exposure) then REIT's in an ISA or SIPP are good, consider a commercial property Trust...
  34. Thread: Finding work

    by lukemg
    Replies
    13
    Views
    4,495

    So, Jobserve, Jobsite etc are still worth a look...

    So, Jobserve, Jobsite etc are still worth a look BUT you have to get in there quick so they aren't swamped by responses, soon as the agent gets 3 or 4 and a couple in reserve they will stop looking...
  35. Replies
    61
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    4,949

    Steady 214 this year (switched to 4/week during...

    Steady 214 this year (switched to 4/week during the golf season).
    Way short of the 272 I chalked up one year many moons ago. I am not celebrating this, it was madness and despite that number, only...
  36. Replies
    76
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    7,711

    Ok, I am in no way saying the insurance is part...

    Ok, I am in no way saying the insurance is part of the investment. You take out insurance to cover the really big potential losses, car, house, life. You don't expect a return, it is there JIC.
    SO,...
  37. Replies
    76
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    7,711

    Yes, it's much better because it is cover for a...

    Yes, it's much better because it is cover for a small but potential catastrophe. Paying a few hundred quid off the mortgage will in no way provide the same cover.
    My mortgage is a couple of %...
  38. Replies
    76
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    7,711

    You guess wrong I have both partner and...

    You guess wrong I have both partner and dependents, I structure my finances accordingly. I will concede that the investments I have are in part easily accessible (ISA's).
    If I croak suddenly, my...
  39. Replies
    76
    Views
    7,711

    It's probably a good idea for many because it...

    It's probably a good idea for many because it imposes discipline and they can just get used to the bigger payments.
    Personally, it is a bad idea for me when I can use the capital elsewhere to get...
  40. Replies
    76
    Views
    7,711

    Wow - some excellent advice on here alongside the...

    Wow - some excellent advice on here alongside the stampede of stupid money heading in the wrong direction.
    Couple of episodes of any landlord nightmare programme is enough to put me off BTL and I...
  41. Replies
    266
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    63,487

    I would be tempted to suck it up for a couple of...

    I would be tempted to suck it up for a couple of months to get the year-end ticked off, then bail.
  42. Replies
    14
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    1,152

    Cash ISA's are a joke. If length of time before...

    Cash ISA's are a joke. If length of time before you need the money >5 years, go low cost global index funds for ALL your ISA funds. Yes, they will go up and down but I am averaging 11%/year, I don't...
  43. And yet there are more contractors than ever...

    And yet there are more contractors than ever before....
    Appreciate many perm jobs are now all contract.
    I have experienced this, entire knowledge of servers rendered valueless virtually overnight...
  44. Replies
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    9,755

    I can see from the range of advice that this is a...

    I can see from the range of advice that this is a tricky one.
    My gut feeling is to be honest with the boss but I would also expect him to cut you loose when you leave to have the kid AND possibly...
  45. Standard saying is that 90% of day traders lose...

    Standard saying is that 90% of day traders lose 90% of their money within 90 days.
    If you do manage to bounce lucky, make sure you recognise that is IS luck and not skill, many people get confused...
  46. Replies
    62
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    3,408

    Just sold my bike after 4 years, astonished to...

    Just sold my bike after 4 years, astonished to get the same as I paid for it ! Just wasn't using it enough and found getting all the gear on a bit annoying. To be fair I was happy I had scratched the...
  47. Replies
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    2,347

    A pool is like a wife apparently, 'kin expensive...

    A pool is like a wife apparently, 'kin expensive for the amount of time you actually spend in it...
  48. Ah 93, classic year, 14th April started at BASS...

    Ah 93, classic year, 14th April started at BASS breweries in Cape Hill, Birmingham on first contract.
    We are talking Freelance Informer (scanning for agency details), faxing CV's, bottles of wine...
  49. Replies
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    11,406

    Sounds like the best option for you, well done on...

    Sounds like the best option for you, well done on making the decision and good luck for the next one.
    I would probably have stayed even to my own detriment just to annoy the person involved, I have...
  50. Replies
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    3,275

    Pinning most of my hopes on Golf....takes the...

    Pinning most of my hopes on Golf....takes the whole day with a pint after.
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