Recent content by Elantan

i can second this ( and most deff the ref wish... oh if only... we could have done so much ) Edinburgh is a beautiful place, i would also add in Arthurs seat, a wee walk up the hill just outside of Holyrood, which is in itself an interesting if ugly building, There's a great wee Nepalese/...

yep that certainly could be a death sentence and the name Randy over here ... when i tell people i know an American called Randy they think i am having a laugh till i finally convince them i do and they laugh and laugh and laugh :laugh:

Nah the Scottish slang tends to be works like aye, cannae, dinnae etc :-) Sent from my iPhone using Early Retirement Forum

Hi I had replied to this but I think my phone is acting up ... Tbh means to be honest :) Sent from my iPhone using Early Retirement Forum

Got up at 5.20am made a coffee and stared at the bank account, went to uni placement, did a 13 hour unpaid shift, got home at 8.30pm stared at the fire, went online, spoke to son and husband and now it's time to sleep so that I can do it all again tomorrow Not to worry only 15 or so years to...

To be honest :) Sent from my iPhone using Early Retirement Forum

Anyway shift done for the day and one more to go till placement is finished then it's study study study till exam time. I am currently thinking of purchasing some shares in oil, i think that with the way the oil and OPEC etc are currently behaving i think it would be a good wee punt, nothing...

Yes there are quite a few differences between the two countries and it looks like more are on their way, I think When Scotland finally get's independence ( touchy subject for me still :frown: ) then we will see many more differences than anyone could think of tbh I have to admit i still havnt...

please do :)

Ive been to a lot of that places outlander talks about :) it's a great series

Which part of the UK are you planning on moving back to? i ask as Scottish tax etc may be different from the rest of the UK shortly

Ach maybe we can meet up :) Thanks everyone for the warm welcome :) Have been thinking of ways in which i can get the whole spending diary sorted... something that will last and show the true amount of money that we spend. Am working tomorrow and Sunday for 13 hours each day (unpaid... part...

Thanks for this, it really helps to understand the two systems :)

Thanks for this as i dont understand the differences between the two systems myself, i see things like 401k and get all confused a ROTH is just a whole other language to me :) our mortgage is on a fixed rate though one part if 4.69% the other 3.29% so we sadly never got any of the benefit of...

you are totally right the big piece of the puzzle that is missing is the expenses, and we are struggling to work that out as well, i start keeping diaries and ledgers ( never have figured out how to work excell) then it all goes to pot, i know we havnt gotten into any debt for a wee while so i...