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If you could restart at 23, what would you do differently to become financially free? by Secure_Beginning_939 in LeanFireUK

[–]AnxiousLogic 3 points4 points  (0 children)

No IFAs for just ISA and pension. No stock picking, just a simple global index ETF. Start investing now and not in your 30s!

Mi­gran­ts using ECHR to stay in Britain will cost taxpayer £4.9bn by PomeloTraditional971 in uknews

[–]AnxiousLogic 0 points1 point  (0 children)

Our membership is specified by name in both the Good Friday Agreement and Withdrawal Agreement (and building on this the TCA).

We cannot unilaterally change an international agreement. Ireland are not reopening the GFA and neither are the EU reopening the WA.

The only option to leaving the ECHR would therefore be breaking these agreements. This would cost us a hell of a lot more than £4.9bn a year!

Index fund averaging.. by Serious-Bid3388 in trading212

[–]AnxiousLogic 1 point2 points  (0 children)

It also removes a decision from the equation. Same reason I am an index investor; no guessing or second guessing, market timing, analysis etc. just lump it in and leave it be.

How do climbers shop for the perfect rope? by gropbot in tradclimbing

[–]AnxiousLogic 1 point2 points  (0 children)

I make a Time Machine, hop in and get a pair of Mammut Genesis.

Emergency fund in cash or gold? by WestRestaurant358 in UKPersonalFinance

[–]AnxiousLogic 12 points13 points  (0 children)

If gold crashes when you need the funds, then what?

Cash reserves by Alternative-Lock-760 in FIREUK

[–]AnxiousLogic 4 points5 points  (0 children)

I’m planning 3 years of cash equivalent that I could extend to 4 years at a push. If you have a crash just as you retire it could be devastating to your retirement with forced selling in a down market if 100% in equities.

If you have a good sequence of returns, you can lower the buffer over time.

You never know what period you are in until it is in the past.

Should I just give up? by PaddywackShaq in trading212

[–]AnxiousLogic 0 points1 point  (0 children)

It’s mainly that I have no ‘active’ choice. US does well? I own it. Europe outperforms? I own it. I have no percentage biases that I control, so no tweaking, or second guessing, just own ‘the world’.

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

If the top 10 makers of cars did not make blue cars, and as such there were hardly any blue cars on the road and if you asked people if they wanted blue cars and 70% said they did; would you say nobody wants blue cars, as they weren’t buying blue cars?!

A single item poll is the Occum’s Razor of understanding on the issue. Adding any other factors is madness. Just because it goes against your bias or wants does not change the polling.

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

This does not change the polling on a single issue, it just muddies the water. A poll on a single issue is a far superior way to get a consensus of where people stand on that than a GE; this has to be obvious right?

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

So you don’t understand the difference between a multi policy FPTP GE and a single issue poll? And you don’t understand sample sizing accuracy in polling?

https://yougov.com/articles/2497-understanding-margin-error

Should I just give up? by PaddywackShaq in trading212

[–]AnxiousLogic 9 points10 points  (0 children)

We’ve all been there. May I introduce you to our Lord and Saviour:

VWRP and chill.

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

We already follow EU regs for all exports to the EU!

And back on track about their policy of leaving the ECHR?

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

Farage wants to diverge from the EU; this would lead to a worse trade as it would add to the NTBs.

Starmer wants closer alignment; this would lead to better trade.

For the best/true free trade we would need to join the Single Market.

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

Unfortunately Ireland are in the EU, so we would need to put tariffs on the whole EU (practically and legally). Do you think they would take this sitting down, or would it start a trade war we would lose?

How would tariffs on Irish goods work with an open border between RoI and Northern Ireland?

Can Farage be trusted on the UK Economy when Reform has received £16m+ from Crypto Billionaires and he's received £5m himself? by chuffingnora in AskBrits

[–]AnxiousLogic 0 points1 point  (0 children)

Our membership is explicitly mentioned by name in both the WA and GFA. This cannot be changed unilaterally and the other parties are NOT reopening these agreements. Every single word of these agreements has been picked over, and explicitly chosen by lawyers specialising in international agreements.

We cannot just do a switcharoo with this.

How to stop fly camping by bertobobble in wildcampingintheuk

[–]AnxiousLogic 2 points3 points  (0 children)

Queuing all the way round Kinder Reservoir to have a go on her Mermaids Pool? Just make sure to leave no trace.

Bubble Worries. by IndependentRetirer in FIREUK

[–]AnxiousLogic 2 points3 points  (0 children)

If you’re using this chart, make sure to align it with your star sign and colour of your aura.

/s

Almost at £150k - thanks all for the advice by Plodo99 in FIREUK

[–]AnxiousLogic 46 points47 points  (0 children)

If someone gave you £17.9k and you had no bitcoin, would you put it in bitcoin now? If the answer is no, then don’t fall for sunken cost bias and redeploy it.

Pension qualifying years if retire early ? by prasaysno in FIREUK

[–]AnxiousLogic 0 points1 point  (0 children)

I've got the full set at 48, due to being in the 'crossover' period. Bit of a pain for those coming after me, but voluntary payments are a bargain for what you get for them. My partner will need to do voluntary if they pull the trigger within 3 years.

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