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Messages - Doctor Gollum

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1
General Discussion Area / Re: Investment question.
« on: Today at 01:00:17 »
As an entity, my portfolio has doubled in 5 years, worst year was 3.4%,best 34% so reasonably optimistic ;)

When it comes to draw down, if the pot is of a decent size, the investments can be scaled back and with balanced with a reasonable income. Exact amounts won't be apparent for a good few years yet... but I do have a long term plan :y

The daily ups and downs are interesting to watch, especially the fact that the Emerging Market fund seems to behave opposite to the primary market ones...

2
Ahem... Whilst not part of the European Union/European Economic Community/Blood Sucking Leach, it is very much part of europe, both physically and historically  :y

I know that and you know that, but having been constantly told for the last 2 years that we 'are leaving Europe', I have come to the conclusion that there are only 28 (soon to be 27) countries in Europe.  ::) 

The other 22 (soon to be 23) European countries that are not members of the European Union must belong somewhere else....  :-\ 

I'll have to ask the next Remainer I see as apparently they are very clever people!  :)
I ask but two things when you do...

1. Keep a straight face when you ask.
2. Video their reaction.

 ;D

3
General Discussion Area / Re: Word Association.
« on: Yesterday at 22:50:57 »
Conceed

4
Having washed the Trolley yesterday, the obligatory one bucket and some 240grit sponge method, today saw it polished and seats treated. all good for another two months :D

5
Omega General Help / Re: Front Springs Length Difference
« on: Yesterday at 19:32:34 »
No, and no... In that order ;)

6
General Car Chat / Re: Daughter's new car
« on: Yesterday at 19:30:47 »
Well that's no fun :D

7
Ahem... Whilst not part of the European Union/European Economic Community/Blood Sucking Leach, it is very much part of europe, both physically and historically  :y

8
General Discussion Area / Re: Investment question.
« on: Yesterday at 19:13:53 »
And having rental property any distance away means either travelling to/fro regularly or paying someone else to (not/mis) manage it for you... Either way it comes out of your rental income and therefore profit, as does any refurbishment costs.

9
Tbh, the amount of trade that goes from Norn Irn to the south is so small that it isn't really worth bothering about.

Wait!  Are you telling us that the Republic of Ireland is not one of the worlds great economies?!  :o :o :o           ::) :D ;D
Depends which way up the list is... ::)

For the record, they currently sit at 35... Which is better than Montserrat, but not as good as Spain :D

10
General Discussion Area / Re: Investment question.
« on: Yesterday at 19:00:46 »
Even 8% would see an income of 3800 ;)

It would be fair to say that my portfolio is very aggressive... Very little cash and no bonds, and only about 3% in greater europe.

BTW does a 3% annual deposit increase offset 3% annual inflation?

11
Omega General Help / Re: Front Springs Length Difference
« on: Yesterday at 18:09:52 »
On the cup the top mount sits in :y

12
General Discussion Area / Re: Investment question.
« on: Yesterday at 18:08:48 »
Your household income, so if you take home 2k a month, that would be 300...

I believe that pension calculators under estimate the pot value/market performance, and make no allowance for any specific portfolio.

Using a compound calculator I get anything from 127-145k if it makes 7% and 549-714k  if it averages 14%...

Depending on retiring at 65 or 67 and me not adding to current pot.

Paying in 250 a month with a 3% annual increase sees that rise to 343-406k at 7% and 1.08m to 1.48m at 14%

Worst case, I do nothing more and run out of money aged 83 on 1k pm, paying 250 pm will see me to 90/92 at 1,750-2,100 pm at 7%.

14% growth will give me an income of 10k- 13.75kpm to 90/92.

The lower number assumes drawing on pot at 65 vs 67, and drawdown income is gross and assumes the same growth rate as the original investments. It also does not include state pension.

13
General Car Chat / Re: How stable is your Omega in the rain
« on: Yesterday at 17:38:22 »
Kumho KU 39's on the 3.2, they do me fine.  :y

Although not as cheap as they used to be when I had 31's (?) on 2.2, they are more 'premium prices' now  :-\

3.2's rears won't last that much longer, thinking Primacy 3's next as not much more, they are on the bus and I like them.
In the PS4 is not a huge lot more again.  Then you can properly hoof it around ;)
Probably not an option for someone scared to drive in the wet ::)

14
Omega Electrical and Audio Help / Re: Dashboard Problem
« on: Yesterday at 16:37:22 »
Loose bulb, remove, check, refit and report back :y

15
It's more about stopping water from pouring into the door...

Invariably the rear of the seal splits at the rear edge... This focuses any water to drip onto the latch mechanism and motor which in turn can freeze up the whole gubbins to the point of not being able to open the door. Which sucks balls :'(

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