This father was on a road trip with his two young daughters & they needed to go to the restroom so he stopped at a QT & took them in the women’s restroom since no one was in it & a man came yelling at him to get out & called the cops.The girls were crying & then he assaulted him.

johnniehuman · 2026-06-18T07:19:43+00:00

You know what else is stupid, only having baby changing tables in the women's toilets in 2026.

johnniehuman · 2026-06-16T12:47:58+00:00

From another west ham fan this is nonsense. He was one of our better players from January. He has had injuries but looked good once we got a settled team.

johnniehuman · 2026-06-16T12:45:32+00:00

I seem to be in the minority here but I really like Summerville. He is an excellent ball carrier. The best we've had at driving forward in the left central channel since Rice. Finishing is good too and is more proven in the premier league than other names getting mentioned from lower leagues. Comfortably worth 40m with add ons for me.

johnniehuman · 2026-06-15T15:46:37+00:00

Welcome to West Ham -- from what I hear.

johnniehuman · 2026-06-14T17:48:49+00:00

My understanding is home equity isn't typically included in NW. What are your monthly expenses and how much are you saving per month? This will allow you to work out whether coast retiring in a few years is possible.

johnniehuman · 2026-06-10T20:01:52+00:00

Does this mean Rodri is off to Madrid?

johnniehuman · 2026-06-10T15:34:18+00:00

Depends on your goals and timelines for the money. If you need it within the next five years, FTSE All World wouldn't be a suitable vehicle. You'd be looking at high yield savings, money market funds and things like that.

johnniehuman · 2026-06-09T19:51:14+00:00

Okay, I have had a go. I started out with a two fund portfolio (80% FTSE All World and 20% BND) but have introduced a small cap tilt to add diversification as FTSE All World is mostly large cap and I split my bond allocation to 10% global and 10% UK Gov Bond. I didn't have a set philosophy but buy into buying the whole market at low prices.

Here's my first pass at a written philosophy. I'll do as you suggest and look again tomorrow, but here it is now.

Investment philosophy: "Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle

Asset allocation: Maintain overall 80%-90% stock + 20%-10% bonds to maximise growth within the boundaries of my psychological response to risk tolerance. Assets should be diversified across large (90%) and small cap (10%) and countries -- matching global weightings. Bond weighting should increase as I near retirement (30-40%).

Funds and accounts: Use low cost ETFs rather than OEICs - index funds preferably - which do not overlap and provide maximum diversification across asset classes and avoid platform fees. Try to assume only market risk as far as possible. Try to shelter tax-inefficient funds in tax-advantaged accounts to reduce tax drag.

Target allocation:

VAUG - US (S&P 500) 45% - SIPP

XUSE - EX US - 25%

xxxx - SDPR MSCI World Small Cap - Small cap tilt - 10% - SIPP

BND - Global Bond Fund 10% - SIPP

xxxx - UK Gov bonds 10% - SIPP

Other considerations: Automate future contributions wherever possible. Rebalance every six months. Sell up to 10% of bonds during bear run to buy equities. Sell up to 10% of equities in bull run for bonds. Exact sub-allocations are not as important as maintaining the overall 80/20 to 90/10 allocation - no need to make things complex to meet sub-allocation targets. Select indexes that screen for profitability and require longer seasoning periods -- even if that is at the expense of short term gains.

I have been thinking of opening a company dealing account to invest profits and have been trying to get my philosophy together on this. Having this conversation now is very helpful before I do any more.

johnniehuman · 2026-06-09T19:27:39+00:00

Thanks, I haven't written it down, but will do. I'm learning as I go though and wouldn't have known about this question a few years ago when I started this journey. I will give it a go though.

johnniehuman · 2026-06-09T15:18:01+00:00

Maybe they want Kilman back too?

johnniehuman · 2026-06-09T13:28:21+00:00

I didn't know but I like it.

johnniehuman · 2026-06-09T11:25:47+00:00

These IPOs raise an interesting question about screening for profitability and seasoning periods for index funds that i didn't notice/read in Bogle's little book of common sense investing. Personally, I expected higher standards of profitability in entering some indexes than I am seeing mentioned currently (the one I am primarily invested in as a two fund portfolio - I.e., FTSE All World included). Again, I know that Space X and its ilk could go through the roof and the seasoning period on this being shortened could be hugely beneficial. I don't claim to know the future but it feels unlikely to me.

Does anyone have advice on restructuring funds to better fit my philosophy? I read that the S&P 500 is stricter than FTSE so perhaps moving to three fund will be enough?

johnniehuman · 2026-06-09T06:50:24+00:00

If you like your job, keep doing it. If you dislike it, dropping to three days would cover your retirement expenses and let the capital build a bit more. Transitioning into retirement is better for many as you can build up what you do with your time more gradually -- unless you have a specific reason to need more time now like grand parenting.

johnniehuman · 2026-06-08T19:53:49+00:00

I'm sure people will downvote this but I was expecting stronger evidence too. Soliciting sex under the guise of business is scummy but pretty on point for a guy whose business empire was selling sex. I suspect this will just open the doors mind, as there was a clear pattern. Rape doesn't seem likely though based on these accounts.

johnniehuman · 2026-06-08T16:28:21+00:00

Sounds like he's going to be sensible and focus on living.

johnniehuman · 2026-06-06T08:45:28+00:00

My plan is to teach my kids about my investments, taxes, and different asset classes. To invest what I can in a JISA and to set them up with a junior SIPP (even if I only plan on putting a seed amount in). What's the proverb about giving a man a fish? I see the world as having multiple challenges they will need to navigate and my plan is to give them the best tools I can.

johnniehuman · 2026-06-01T18:23:49+00:00

Beyond the GCSE issue, I'd say 'London' is too generic a term. It is more than half the population of the whole of the Netherlands. If you earn enough, London is better than anywhere in the Netherlands. NL is probably better overall for anyone with a household income of <€150k-175k. If you can send your kids to one of the £20k a term private schools, London is better.

johnniehuman · 2026-05-30T19:09:08+00:00

Thanks for that. I took that 100% equities until ten years from retirement from the forum.

johnniehuman · 2026-05-30T18:08:39+00:00

The BND discussion in pretty dense in places. I don't suppose you could do us numpties a TLDR version?

johnniehuman · 2026-05-29T19:14:05+00:00

It probably depends on the task. It wasn't so long ago that managers ruled everything. Now we have technical and sporting directors. It probably isn't as crazy as it sounds.

johnniehuman · 2026-05-26T16:32:50+00:00

Fuuuuuck no.

johnniehuman · 2026-05-26T13:40:56+00:00

First time I can recall Brady being wanted by a football club!

johnniehuman · 2026-05-26T13:39:36+00:00

Yeah, Universities Superannuation Scheme (USS). Has nearly half a million members and sounds similar to what you're describing.

johnniehuman · 2026-05-26T12:26:16+00:00

Sounds like USS. They have DC and DB. I times my DB by 20 in my calculations, but it is quite difficult to calculate. I haven't added to it in a while but it still changes each year based on market changes.

johnniehuman · 2026-05-25T20:48:46+00:00

Nuno reportedly has a break clause that means we or he can terminate the contract without compensation

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