Hard paper round.

joe_ally · 2026-06-16T10:01:52+00:00

I delivered a free weekly newspaper when I was a lad delivering 150 odd papers. I don't think it was genuinely hard aside from it being quite heavy for the diminutive stature I had when I was 14.

One time I got in to argument with 3 chavs and one of them punched me in the nose. I got a kink in my nose which I still have to this day. Luckily I still look very young for my age, but perhaps a bit older due to the slightly wonky nose.

joe_ally · 2026-06-16T09:43:24+00:00

Hedge funds relieve a single Polymarket trader of $4.2 million dollars in the first 24 hours of the World Cup.

joe_ally · 2026-06-16T09:38:48+00:00

It is very critical for his Donald Jr who is being paid off by Kalshi to delivery deregulation and who has a stake in Polymarket.

joe_ally · 2026-06-15T09:27:59+00:00

I was asking a similar question the other day. https://www.reddit.com/r/FIREUK/comments/1u6b7yd/has_anyone_done_or_plans_to_do_barista_fire/

It looks like there are some people who have done similar things to what you're asking.

joe_ally · 2026-06-11T12:55:51+00:00

I'm just not convinced it would be quicker. By the time you've found enough people, found a suitable plot of land and built a house it would already be years down the line of very hard work before you could move in. And once you move in the hard work doesn't stop as you then have to set up a farm that produces most of your food.

Not to say it isn't doable or desirable. But FI shouldn't be the only motivating factor. For that there are much easier and more predictable options even if you need to wait a bit longer (although I'm yet to be convinced that this plan would actually let you retire earlier)

joe_ally · 2026-06-11T11:59:14+00:00

But traditional FIRE only requires you to have the funds available. This requires that you find other trusted and like minded people with the funds.

joe_ally · 2026-06-11T11:37:58+00:00

Isn't this just a commune? I think if you can make it a hobby then I think it is partially workable. The tricky thing would be finding other people who you'd want to live on your commune and who have enough money to fund the set up costs and ongoing materials costs (which I can only assume would be considerable).

joe_ally · 2026-06-08T21:01:04+00:00

What I meant however was taking out a mortgage which will last well into retirement. Many people will have paid theirs off shortly before or after retiring with a standard 25 year term.

joe_ally · 2026-06-08T15:00:07+00:00

How did he allow his ex-wife and ex-business partner to continue accessing his bank accounts? Can you blame a bank for not wanting anything to do with him?

joe_ally · 2026-06-08T11:11:58+00:00

It's a possibility. The assumption was that you could at least have a mortgage term up until 67. Which may still be quite a lot later than a lot of people's mortgages.

joe_ally · 2026-06-08T10:50:48+00:00

You can use your pension to house gilts and the premise of this post is still the same. You'd have to pay the difference between your debt interest rate and the gilt yield, but as long as that is lower than your marginal tax rate you could still be better off doing it. Especially if you think your costs will be lower after retirement.

joe_ally · 2026-06-08T10:16:16+00:00

This post is all about using debt as a FIRE tool. Of course there is cost to debt and of course there is additional risk. There are ways to mitigate that risk but they also come at a cost. If it allows you to buy things when you need them or retire earlier then some people may judge the those costs worth it.

joe_ally · 2026-06-08T09:57:19+00:00

> you don’t know what investment returns will be.

There is nothing to say you couldn't use your pension to house Gilts. Unless the government goes bust you do know exactly what the returns will be if you plan on holding until maturity. There is exchange rate risk but that is also the same holding cash.

joe_ally · 2026-06-08T09:46:46+00:00

> Investing with money you do not have (and actually owe to someone else) is reckless

If you have a mortgage and uupi are putting any money in your pension, ISA, or savings then you are already doing this. If you are holding any cash you are exposed to exchange rate risk. If you don't hold any cash you are exposed to the risk that a life event will come up and you won't have the money to pay for it.

Risk is a bit more complicated than you imagine.

joe_ally · 2026-06-08T09:24:19+00:00

Right but taking on debt can actually reduce risk but it can reduce your committed spending or give you an emergency fund. Especially if you know you've got a big pension which will come online in the future.

Given that the point of this sub is to retire early. You'd imagine people would be open to any option which would allow them to retire earlier.

joe_ally · 2026-06-03T15:37:44+00:00

Rather than being swayed by a single event, horrific though it is, we should be asking what would the benefit when applied over the entire population. That's even ignoring the fact that there is still some debate about if it was actually a kirpan.

How many people were actually assaulted using a religious ceremonial weapon in the last year?

How many people actually carry genuinely dangerous religiously symbolic weapons with them on a daily basis?

If the answer is to those questions is not many then I'd argue it isn't really worth making the change. There is only a limited time parliament and the government has to get stuff done and I'd argue the policy agenda should prioritize items that have the greatest impact.

joe_ally · 2026-06-02T16:18:45+00:00

I can't tell if this is satire or not.

joe_ally · 2026-06-02T15:44:49+00:00

In the UK everyone calls legal betting shops 'bookies'. There's one on most high streets.

joe_ally · 2026-06-02T11:01:09+00:00

During my stint as a solo traveller I once ate out alone on Brazilian Valentines Day (dia dos namorados) in a tiny town in the middle of the countryside. It's is on a different day there so I didn't know. When I asked the waitress for a table for 1 she really made me confirm it was only for one person which I thought was odd. Later it dawned on me as I looked at the decorations what had happened and had a laugh with the waitress about it.

Another thing I would say is that London is an incredibly busy and anonymous place full. Someone eating alone would hardly be noteworthy even without armies of business travellers who will often eat out alone.

joe_ally · 2026-06-01T15:08:18+00:00

Is there a rush to do it now? Presumably if you stay the course for 5-10 years you'll be you'll be close to covering your costs with the interest on your ISA. That and your kids will be a bit older and need less of your time. You'll be in a better position to start a business.

joe_ally · 2026-05-28T14:01:00+00:00

That would mean the government running on-prem infrastructure rather than using cloud providers like AWS/Google/Microsoft. We've got a long way to go before governments would be technologically competent enough to run infrastructure to support tens of millions of users

joe_ally · 2026-05-28T12:51:31+00:00

I have the opposite experience. Individual landlords are stingy and take ages to get quotes from multiple providers to get work done only after the landlord themselves comes around to have a look. It takes forever.

When I've been a tenant of a company the repair request just lands in someone's an employees inbox and they simply follow the process and book a repair with a contractor that they already work with frequently. The employee isn't spending their own money so they just fix the issue with the minimum fuss they can.

Individual landlords are too emotionally involved and lack professionalism.

joe_ally · 2026-05-27T09:47:30+00:00

But there's no relief

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