It's time to start digging up those Squirrelled Nuts!!!!

Sea_Shell

Oh yeah...I'm going belt and braces!!

badger09

Sea_Shell said:

Good Afternoon everyone.

Well it's been an eventful week!!!    For those who haven't seen my thread in the Techie section of the forum, my laptop went do-lally on Sunday (wouldn't boot), and for a horrible few days I thought I'd lost all my spreadsheets!!!

They had been backed up to USB and the cloud, but they were still a little out of date.

Luckily a local repairer was able to retrieve all the data from the failing HDD and transfer it all onto a new SSD.    This was for about half the cost of an equivalent "new" refurbished machine.

Big relief in SS towers!!!!     It's running sweet as a nut now, and much faster too!!

So yes, note to self....back up files more regularly!!   (and have just bought another USB stick too)

It's funny though, going through my files and having a bit of a spring clean, just how much "junk" gets saved over the years.   I had stuff going back to when we bought our first laptop back in 2007!!     I think that most of that can be safely dispatched to the "recycle bin".

That's real nightmare territory and sent a chill down my spine.

My phone battery died day before we exchanged contracts for sale of house on 18th Dec - totally unrevivable, but was fairly recently backed up on laptop. Bought new phone. Couldn't set it up as insisted on sending security codes by text to dead phone! Cue 2 hours on Apple support. Eventually got it up & running only to find can't restore from old phone backup as the password was encrypted. BUT I've never set up a backup password!!
Stressed by house sale, Christmas and delayed house purchase, I gave up but struggled with lost house move notes, to do lists etc.

House sale goes through 8th Jan, move into temp accomm with no internet. Naively think setting up hotspot to tether laptop, which now holds all my reconstructed notes & to do lists, will be piece of cake like before. Nope. Took over 2 weeks until it eventually, randomly worked. No idea how, but don't care.

Oh, and removal men kindly packed away my printer, laptop charger & printer cable. Managed to retrieve printer & charger and resorted to sending photos of letters to solicitor until I could order new cable.  

Blinkin technology has added about 5 years to my age. (House move has added another 10, and its not over yet )
I could do with some expensive Irish smellies as my Molton Brown collection is currently languishing in storage

Sea_Shell

It appears I've inspired a spin-off series....thanks Stubod!!!!

Well here we are, still ticking along.    Same s**t, different day!!!     Actually, what day IS it???

Trying to stay positive, and have kept running and walking as the weather allows.    Trying not to just munch my way through our kitchen cupboards!!

Financially, everything's looking pretty rosy....but I'm wary about that lasting.   Seems to good to be true!?    However, I think I'm over thinking it (me, overthink!!) as we're still only spending about 2% of our overall pot....well within "safe withdrawal rate" territory.

Anyway, not much else to report.    Take care all, stay safe and well and fingers crossed we get some nicer, warmer weather soon!

Stubod

..me too worried about the continuing "growth" of our shares which seems completely at odds with what is happening in the real world, (I am sure there is a logical explanation, perhaps everybody expecting things to improve shortly now the vaccine is being rolled out?).

We have been drawing down on a monthly basis, but towards the end of last year when the markets "rallied" we decided to stop taking a monthly drawdown and take out a "lump sum" for this year instead as we assumed another big drop. However with hindsight it would have been better to continue with a monthly drawdown as the best we can get on the lump sum is 0.5 %.

Sea_Shell

We now have £100k in our Rathbones 100% equities fund. 

Over the last 5 years, this fund has grown by 176%, so an average of 35%pa.   29% in the last year.

Obviously this may not continue, and probably won't, but if it did, this would return us all we need, and more, just from this one element of our overall investments.

Actually, we only need it to average 15%

Crazy!!!

Croeso69

Sea_Shell said:

We now have £100k in our Rathbones 100% equities fund. 

Over the last 5 years, this fund has grown by 176%, so an average of 35%pa.   29% in the last year.

Obviously this may not continue, and probably won't, but if it did, this would return us all we need, and more, just from this one element of our overall investments.

Actually, we only need it to average 15%

Crazy!!!

Is that Rathbones Global Opportunities?

Sea_Shell

Croeso69 said:

Sea_Shell said:

We now have £100k in our Rathbones 100% equities fund. 

Over the last 5 years, this fund has grown by 176%, so an average of 35%pa.   29% in the last year.

Obviously this may not continue, and probably won't, but if it did, this would return us all we need, and more, just from this one element of our overall investments.

Actually, we only need it to average 15%

Crazy!!!

Is that Rathbones Global Opportunities?

Yes, it is.

Croeso69

Sea_Shell said:

Croeso69 said:

Sea_Shell said:

We now have £100k in our Rathbones 100% equities fund. 

Over the last 5 years, this fund has grown by 176%, so an average of 35%pa.   29% in the last year.

Obviously this may not continue, and probably won't, but if it did, this would return us all we need, and more, just from this one element of our overall investments.

Actually, we only need it to average 15%

Crazy!!!

Is that Rathbones Global Opportunities?

Yes, it is.

Thanks. I have that with Hargreaves Lansdown with a large loyalty bonus offsetting their higher than average fees.

SouthCoastBoy

I cant help thinking we are in an asset bubble when it comes to equities. Have a look at the baillie Gifford positive change fund, last time I looked performance in the last 12 mths was around 80%. This is not a recommendation just an observation.

shinytop

I'm not complaining.  If markets are going to fall by 30% I'd rather that were on the back of a 20% rise that not.