Recent content by arandomwalk07

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    At what point does focusing on your finances/ER become counter-productive?

    I've been saving for quite a few years, and I still would glance at the spreadsheet perhaps once a day. I know it is slightly obsessive, but it is almost a tangible way for me to reach out and touch FIRE - which gives me a boost to get through days that could be otherwise tough. It's the new...
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    Can anyone realistically generate long-term alpha?

    Not that simple. The "best" stocks (usually high growth) will have higher prices, whereas the "worst" stocks will have low prices (in general). You may be paying too much for the best and too little for the worst. The only long term strategy that seems to beat the index (by fractions - ref...
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    International investing-- a year later

    It's funny reading this thread living in Europe, as we see the same discussions over here but of course "International" now includes the US ;) We've seen the US dollar fall away over the past year or so, so by keeping our money even in a deposit account we have "gained" over many US investors...
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    Jealous, don't laugh.....

    You're doing incredibly well with your current saving. Think of how when you reach FI your stress levels will drop considerably, and how those with lots of material "things" will continue to worry about whether or not they will be able to pay for them. I wake up every morning preparing to go to...
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    Global warming and financial positioning

    Fair enough, but when my children and grandchildren are spending billions to shore up flood defences 30 years in the future, and when we have 100% proof that global warming was in fact manmade, I reserve the right to say "I told you so, we should have used the best models we had available at the...
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    Global warming and financial positioning

    It's not like this money disappears, it ends up redistributed. We've had a couple of posters here rubbish Kyoto, but the facts on the ground are that European economies in particular are rapidly moving towards carbon neutral technologies and investments. Money that would previously have gone...
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    Contributing to plans during intra month lows

    Unless I've misunderstood, it has got one obvious flaw - what if the next down day occurred after a series of up days? Say e.g. you would normally invest on day 1. You wait till a down day to invest and prices go as follows: Day 1: 100 Day 2: 110 Day 3: 120 Day 4: 130 Day 5: 125 In this...
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    Global warming and financial positioning

    Ireland used to be a tropical jungle several million years ago and you could stroll from here to the tip of south america on foot, but that's not the point. The point being made is not that the earth doesn't change, but that natural changes have come slowly over thousands and millions of years...
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    Global warming and financial positioning

    Which scientists would these be exactly eh? The figure is 21.something feet if Greenlands ice sheet alone melts. More facts and figures http://pubs.usgs.gov/fs/fs2-00/
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    Global warming and financial positioning

    And what happens in 50 years time if it turns out to be true? The price of failure here is catastrophic. Would we prefer to just ignore the question because "it's too hard" and hope for the best? Why should those who want to be early retirees keep themselves in good physical shape, because we...
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    Global warming and financial positioning

    Weather forecasting is not climate forecasting.
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    Just installed my new security system. Very cost efficient...

    We used to have an enormous black dog who was a relatively cheap security system. Nothing like a huge dog with an strong growl & bark running towards you to terrify the odd visitor. The biggest danger you would be in was being licked to death though, but our guests weren't to know that ;)
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    Global warming and financial positioning

    All those thousands of so called smart scientists worldwide, and they forgot about the influence of the sun! I bet they feel really silly now. Thanks for pointing that out. Jeepers.
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    Global warming and financial positioning

    Unsubstantiated? Amongst others, the UNs panel of scientists have come out to say it is real, the EUs panel has come out to say it is real and the UK government's panel says it is real. What do you think is most likely - that 99% of the worlds climate scientists are engaged in a massive and...
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    Global warming and financial positioning

    I'm in "old Europe" and we find it quite scary to be honest listening to America debate certain things (like global warming). I'm not a climate scientist and I don't claim to be an expert, so I listen to what the experts are telling me - and by experts I mean scientists in this field, who are...
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