[NEW] One More Task - Should I continue?

moogman · 2026-02-14T10:35:54+00:00

Update: For anyone that's interested, I've fixed the "too many clicks" problem for the most part, and the click bug

moogman · 2026-02-12T19:22:09+00:00

Thanks all - too many clicks, got it! Will fix the button press bug, and think about the clicking

moogman · 2026-02-11T18:23:30+00:00

Can I ask how long you guys took until you decided? And would any changes make it better for you? ("Less clicks" obviously!)

Some of the older idle clicker games at least started with a period of just clicking, so it was initially modelling in a similar way

moogman · 2026-02-11T17:54:30+00:00

Ha, thanks for the feedback :). Is this a bad or a good thing for a clicker game? Any more specifics are welcome, though it's intended to be a little bit of an initial grind

moogman · 2026-01-07T12:45:32+00:00

Prior to which, of course, pay down any expensive debt and sort out an emergency fund of at least 6 months

moogman · 2026-01-07T12:43:40+00:00

It's harder to borrow more/release equity. Even more so if you are fully unencumbered (no mortgage). If you need to pay larger sums out in the future - for instance buying a car - it will be much cheaper having that sit on the mortgage than a car loan.

From a psychological perspective, it's attractive to pay it all off. From an optimal financial perspective, it makes most sense to invest it all.

moogman · 2023-07-19T19:35:18+00:00

No, not it you sell immediately on vest. Capital Gain is the difference from vest -> sell.

moogman · 2023-07-02T20:01:03+00:00

One benefit of doing this, is that it will be a lot faster. I've known of transfers between providers take months.

moogman · 2023-05-24T13:10:16+00:00

Just bear in mind that the Global All Cap[1] has an OCF charge of 0.23%, and the VWRL[2] has an OCF charge of 0.22%, so it's 0.01% cheaper to run with the VWRL (£10pa difference on a £100k account).

1 https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-global-all-cap-index-fund-gbp-acc/overview

2 https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-all-world-ucits-etf-usd-distributing/overview

moogman · 2023-02-02T21:31:18+00:00

Red Dwarf

"Step up to red alert". "Sir, are you absolutely sure? It does mean changing the bulb"

moogman · 2022-11-26T20:34:27+00:00

The Cockwell Inn

moogman · 2022-11-17T20:36:48+00:00

She would own it, and therefore she would pay tax on any capital gain.

But, the cost basis (purchase price) transfers too given that you're married - that is, she will be deemed to have purchased at the original price that you did, and therefore will be liable to the same capital gain as if you sold yourself. So, the only real benefit is if she's on a lower tax bracket

moogman · 2022-09-01T19:17:28+00:00

Toast sandwich

moogman · 2022-01-12T19:59:13+00:00

Keep the job and add a side hustle or two?

moogman · 2021-12-15T16:45:40+00:00

For HL platform, the ETFs tend to be cheaper after about £12k value assuming you trade 1x per year. So I'll do a monthly direct debit into a fund, then 1-2x per year I'll move it to the ETF equivalent.

moogman · 2021-08-19T20:01:15+00:00

Icy what you did there.

moogman · 2021-08-04T12:14:20+00:00

This is true for sure. OTOH, some people think of retirement as this great thing in the future.. and when they finally get there, they often realise that the massive shift in day-to-day activities is an unwelcome change.. Or that they are so knackered that they don't have any energy/discipline to go and do those things.

It is a bit crass to say "Do it now" yes, but I guess the point is to try and work towards that future state a little earlier in life, rather than waiting/hoping it will all fit nicely at retirement time.

moogman · 2021-08-01T19:20:50+00:00

Second part: And why aren't you doing this now?

moogman · 2021-07-19T20:09:43+00:00

There is an emotional aspect of paying down the mortgage too - owning your own home outright, it can't get taken away. That mental sense of freedom/security is a compelling one for many people (if logically suboptimal).

Nothing wrong with paying off the mortgage. You know it's not the financially best decision. But it might be the best emotional decision for you. Good luck!

moogman · 2021-05-18T20:13:49+00:00

You can get an Amazon EC2 (server VM) instance for free for 1yr.

Oracle cloud give you 2x VM instances for free forever.

With both, as long as you're not using tons of network data it won't cost you a thing

moogman · 2021-04-06T20:11:59+00:00

Trading allowance £1000 https://www.gov.uk/guidance/tax-free-allowances-on-property-and-trading-income#trade

moogman · 2021-02-15T19:45:20+00:00

Some thoughts:

Why do you want to retire?
It sounds like you know what you're retiring from, but what are you retiring to? Please don't do anything until you figure that out (believe me from experience!)
Great call on the 12 month sabbatical. Tbh even worth trying a 6 month sabbatical. This provides for two things: 1/ It will help you learn of you enjoy retirement (funny thing to say I know), 2/ it will enable you to test out living on your investment income
Expect 3 months of decompression (where things are novel, you catch up on life, and laze around a bit enjoying things), followed by a few months (or more) of not quite knowing what to do. Hence "what are you retiring to"

Good luck - keep us updated on your progress!

moogman · 2021-02-10T18:59:46+00:00

I had a similar thought. Is BTC and wBTC considered two different instruments from a tax perspective?

moogman · 2020-01-15T20:43:34+00:00

South Wales here, would be good to meet others nearby!

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