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How much have you accumulated in savings and retirement accounts?
10-05-2017, 05:10 PM
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#121
- TheSkins
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My portfolio is around ยฃ120k - that's shares, mutual funds, bonds, ISAs, cash and a little bit of crypto.
Then I have a few pensions which I don't really keep track of worth a couple of hundred grand I think. Had an amazing final salary pension in my first job (up to 27% non-contributory for 9 years) and my current one is good too. I've been lucky with that.
But I'm 35 and don't own a house so I'm probably not winning. Zero debt though.
Then I have a few pensions which I don't really keep track of worth a couple of hundred grand I think. Had an amazing final salary pension in my first job (up to 27% non-contributory for 9 years) and my current one is good too. I've been lucky with that.
But I'm 35 and don't own a house so I'm probably not winning. Zero debt though.
10-06-2017, 12:38 PM
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#122
- ashin1
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Originally Posted By samsbolton⏩
My parents offered, and only asked for 10k back a year, they knew how much of a difference in me draining 50k out of my retirement account would have made in the long run. Also you fail to see how much money i can save now to pay them back because i have no mortgage or rent to pay. Sam I couldn't imagine what kind of house hold you grew up in, i'm sure if your parents truly loved you they could have helped make your life so much easier(encourage you to pursue an education/training that will get you a respectable job), rather they choose to let you fumble around working minimum wage for decades on end.Nah not finished yet
They bought you a caravan, and you have only paid them half while you have 200k sat in the bank? No wonder they call you 'Ashin the disappointment' they probably tell their friends you died in a tragic moose accident
Btw banks don't lend on caravans. Like i said, the truth will set you free
They bought you a caravan, and you have only paid them half while you have 200k sat in the bank? No wonder they call you 'Ashin the disappointment' they probably tell their friends you died in a tragic moose accident
Btw banks don't lend on caravans. Like i said, the truth will set you free
Good thing iowna large double lot sized piece of land, because banks also look at that. I know that last sentence if shear cope because i get offers every couple months to extend my line of credit, I have only needed to check my credit 3 times and that's when i bought a car, and all of them were in the 700s (800 is the max in Canada). If it really boiled down to getting a loan, I would just show my pay stubs(caught a couple bankers mirin too)
Keep trying your best to cope sam, end of the day you are 43, you still perv on girls that could be your daughters age(if you weren't a virgin), you find joy from children that have gashes cut in their heads.
zero sexual clout(proctor and gamble thrives off your loneliness), and not even respectable financial clout for someone as old as you. For someone who has never been married or have kids, the fact you don't have 2 places paid off is pretty embarrassing
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10-06-2017, 04:04 PM
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#123
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Originally Posted By ashin1⏩
1. I choose to work minimum wage for my own reasons. Nothing to do with my upbringing.My parents offered, and only asked for 10k back a year, they knew how much of a difference in me draining 50k out of my retirement account would have made in the long run. Also you fail to see how much money i can save now to pay them back because i have no mortgage or rent to pay. Sam I couldn't imagine what kind of house hold you grew up in, i'm sure if your parents truly loved you they could have helped make your life so much easier(encourage you to pursue an education/training that will get you a respectable job), rather they choose to let you fumble around working minimum wage for decades on end.
Good thing iowna large double lot sized piece of land, because banks also look at that. I know that last sentence if shear cope because i get offers every couple months to extend my line of credit, I have only needed to check my credit 3 times and that's when i bought a car, and all of them were in the 700s (800 is the max in Canada). If it really boiled down to getting a loan, I would just show my pay stubs(caught a couple bankers mirin too)
Keep trying your best to cope sam, end of the day you are 43, you still perv on girls that could be your daughters age(if you weren't a virgin), you find joy from children that have gashes cut in their heads.
zero sexual clout(proctor and gamble thrives off your loneliness), and not even respectable financial clout for someone as old as you. For someone who has never been married or have kids, the fact you don't have 2 places paid off is pretty embarrassing
Good thing iowna large double lot sized piece of land, because banks also look at that. I know that last sentence if shear cope because i get offers every couple months to extend my line of credit, I have only needed to check my credit 3 times and that's when i bought a car, and all of them were in the 700s (800 is the max in Canada). If it really boiled down to getting a loan, I would just show my pay stubs(caught a couple bankers mirin too)
Keep trying your best to cope sam, end of the day you are 43, you still perv on girls that could be your daughters age(if you weren't a virgin), you find joy from children that have gashes cut in their heads.
zero sexual clout(proctor and gamble thrives off your loneliness), and not even respectable financial clout for someone as old as you. For someone who has never been married or have kids, the fact you don't have 2 places paid off is pretty embarrassing
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
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10-06-2017, 04:11 PM
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#124
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Originally Posted By samsbolton⏩
zero sexual clout(proctor and gamble thrives off your loneliness), and not even respectable financial clout for someone as old as you. For someone who has never been married or have kids, the fact you don't have 2 places paid off is pretty embarrassing1. I choose to work minimum wage for my own reasons. Nothing to do with my upbringing.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
the truth will set you free
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10-07-2017, 09:04 AM
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#125
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Originally Posted By ashin1⏩
Parents buy him his homezero sexual clout(proctor and gamble thrives off your loneliness), and not even respectable financial clout for someone as old as you. For someone who has never been married or have kids, the fact you don't have 2 places paid off is pretty embarrassing
the truth will set you free
the truth will set you free
Criticises others for not paying theirs off..
You haven't got a scooby doo
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10-07-2017, 09:10 AM
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#126
- Gashbell4595
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Originally Posted By samsbolton⏩
1. That's the stupidest thing I may have heard today. Literally no reason to work off minimum wage for decades besides pure laziness and not wanting to be a productive member of society.1. I choose to work minimum wage for my own reasons. Nothing to do with my upbringing.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
2. You're really showing your handicap. Why would he pay a dividend to his parents? If his parents asked, it sounds like he can plenty afford it. Don't bash someone for having helpful and supportive parents.
3. UK = World's Biggest Dispensary of Salt.
4. No one gets dozens of offers to extend credit every month unless you are paying chit off quick + more money. Card offers and extensions are different *******.
5. Beta.
6. You just said he lived in "bumblefukk" nowhere, and living somewhere "civilised" (z*). Pick one, not both. The only person he is insulting is rejects like you, you don't need any of that to have a better life for yourself.
Also why don't you have 2 places paid off?
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10-07-2017, 09:26 AM
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#127
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Originally Posted By Gashbell4595⏩
lol fuken repped1. That's the stupidest thing I may have heard today. Literally no reason to work off minimum wage for decades besides pure laziness and not wanting to be a productive member of society.
2. You're really showing your handicap. Why would he pay a dividend to his parents? If his parents asked, it sounds like he can plenty afford it. Don't bash someone for having helpful and supportive parents.
3. UK = World's Biggest Dispensary of Salt.
4. No one gets dozens of offers to extend credit every month unless you are paying chit off quick + more money. Card offers and extensions are different *******.
5. Beta.
6. You just said he lived in "bumblefukk" nowhere, and living somewhere "civilised" (z*). Pick one, not both. The only person he is insulting is rejects like you, you don't need any of that to have a better life for yourself.
Also why don't you have 2 places paid off?
2. You're really showing your handicap. Why would he pay a dividend to his parents? If his parents asked, it sounds like he can plenty afford it. Don't bash someone for having helpful and supportive parents.
3. UK = World's Biggest Dispensary of Salt.
4. No one gets dozens of offers to extend credit every month unless you are paying chit off quick + more money. Card offers and extensions are different *******.
5. Beta.
6. You just said he lived in "bumblefukk" nowhere, and living somewhere "civilised" (z*). Pick one, not both. The only person he is insulting is rejects like you, you don't need any of that to have a better life for yourself.
Also why don't you have 2 places paid off?
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10-07-2017, 09:43 AM
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#128
- SaviorSelfJT
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Originally Posted By ashin1⏩
For some reason that guy always shows up when you do:lol fuken repped
ashin1: "try 3 sets of 8 instead of 5x5, its slightly less volume so you might recover faster"
samsbolton: "Hey everybody check out this loser, his parents dont approve of him"
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10-07-2017, 10:05 AM
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#129
- Gashbell4595
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Originally Posted By ashin1⏩
He really irked me, guy is making excuses for everything on why his life is chit.lol fuken repped
People would kill to have a better opportunity advantage in life, mean while this ******* is sitting back collecting his pennies not benefiting society in the slightest.
Yeah sure, it would be different if it was a 16-21 year old, but this guy is 43 and chose to work minimum wage for decades...
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10-07-2017, 10:26 AM
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#130
10-07-2017, 10:42 AM
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#131
- vifferlv
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For all brahs looking to improve their situation in this area I have one piece of advice:
TRACK your NET WORTH.
Once you start doing this your personal finance situation inherently starts improving. You start doing the things you should be doing. Even if you are negative net worth (typical of average miscer age) it will creep up to 0, then $1,000, then &10,000, and on to 7 figures+ eventually.
TRACK your NET WORTH.
Once you start doing this your personal finance situation inherently starts improving. You start doing the things you should be doing. Even if you are negative net worth (typical of average miscer age) it will creep up to 0, then $1,000, then &10,000, and on to 7 figures+ eventually.
10-07-2017, 12:31 PM
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#132
- ashin1
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Originally Posted By SaviorSelfJT⏩
that's his coping mechanism LOLFor some reason that guy always shows up when you do:
ashin1: "try 3 sets of 8 instead of 5x5, its slightly less volume so you might recover faster"
samsbolton: "Hey everybody check out this loser, his parents dont approve of him"
ashin1: "try 3 sets of 8 instead of 5x5, its slightly less volume so you might recover faster"
samsbolton: "Hey everybody check out this loser, his parents dont approve of him"
Originally Posted By Gashbell4595⏩
he has no excusesHe really irked me, guy is making excuses for everything on why his life is chit.
People would kill to have a better opportunity advantage in life, mean while this ******* is sitting back collecting his pennies not benefiting society in the slightest.
Yeah sure, it would be different if it was a 16-21 year old, butthis guy is 43 and chose to work minimum wage for decades...
People would kill to have a better opportunity advantage in life, mean while this ******* is sitting back collecting his pennies not benefiting society in the slightest.
Yeah sure, it would be different if it was a 16-21 year old, butthis guy is 43 and chose to work minimum wage for decades...
#truthwillsetyoufree
Originally Posted By vifferlv⏩
solid advice, enjoy your veggiesFor all brahs looking to improve their situation in this area I have one piece of advice:
TRACK your NET WORTH.
Once you start doing this your personal finance situation inherently starts improving. You start doing the things you should be doing. Even if you are negative net worth (typical of average miscer age) it will creep up to 0, then $1,000, then &10,000, and on to 7 figures+ eventually.
TRACK your NET WORTH.
Once you start doing this your personal finance situation inherently starts improving. You start doing the things you should be doing. Even if you are negative net worth (typical of average miscer age) it will creep up to 0, then $1,000, then &10,000, and on to 7 figures+ eventually.
Originally Posted By samsbolton⏩
wrong i bought my own home, still coping?Parents buy him his home
Criticises others for not paying theirs off..
You haven't got a scooby doo
Criticises others for not paying theirs off..
You haven't got a scooby doo
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10-07-2017, 12:45 PM
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#133
Originally Posted By MuzzieChik786⏩
*looks for Luc!fer's post*
*doesn't see it*
*leaves disappointed*
*doesn't see it*
*leaves disappointed*
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10-07-2017, 12:58 PM
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#134
10-07-2017, 01:39 PM
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#135
- samsbolton
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Originally Posted By ashin1⏩
Do you know what? You are right, you carry on basking in your own self reflected glory.that's his coping mechanism LOL
he has no excuses
#truthwillsetyoufree
solid advice, enjoy your veggies
wrong i bought my own home, still coping?
he has no excuses
#truthwillsetyoufree
solid advice, enjoy your veggies
wrong i bought my own home, still coping?
Btw I'm currently watching la boheme at the royal opera house London, what are you up to?
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10-07-2017, 01:44 PM
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#136
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Originally Posted By samsbolton⏩
Me and the girlfriend are just about to go fishing, felt good smashing 2 times before lunch. But before we go fishing I told her I'd buy ice cream cause she helped me put up some Christmas lights just 2 minute ago.Do you know what? You are right, you carry on basking in your own self reflected glory.
Btw I'm currently watching la boheme at the royal opera house London, what are you up to?
Btw I'm currently watching la boheme at the royal opera house London, what are you up to?
Wouldn't even gesture the idea of switching places with you lol
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10-07-2017, 02:50 PM
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#137
- PeaceWithin
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Originally Posted By samsbolton⏩
Negged for being a whiny bitch. You complain about him criticizing other people, and yet you are the one who can't stop hating/complaining about him in every thread. Nothx.1. I choose to work minimum wage for my own reasons. Nothing to do with my upbringing.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
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10-07-2017, 02:54 PM
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#138
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Originally Posted By samsbolton⏩
you choose to work for minimum wage? cope of peace.1. I choose to work minimum wage for my own reasons. Nothing to do with my upbringing.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
2. You aren't paying them a dividend, you are draining money from their retirement for your own selfish pleasure
3. Land in the arctic circle = worthless
4. Everyone gets dozens of offers of credit every month you aren't special. Special needs maybe
5. I'll keep living the red pill dream cheers
6. You have no frame of reference for '2 places paid off' you live in bumblefukk nowhere. You are however insulting 99% of the population who didn't have your head start, have families, and live somewhere civilised. When you get a life, you can criticise other people's.
10-07-2017, 02:56 PM
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#139
- Exiled93
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$0
23 about to graduate.
17k in student loans. Been putting like 50% of my income (poverty hours @ internship) to the loans. Paid 2k down so far.
I'm extremely far behind but oh well.
23 about to graduate.
17k in student loans. Been putting like 50% of my income (poverty hours @ internship) to the loans. Paid 2k down so far.
I'm extremely far behind but oh well.
10-07-2017, 02:59 PM
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#140
10-07-2017, 03:04 PM
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#141
10-07-2017, 03:35 PM
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#142
Originally Posted By Exiled93⏩
You're on the right track and not in a bad position. GJ$0
23 about to graduate.
17k in student loans. Been putting like 50% of my income (poverty hours @ internship) to the loans. Paid 2k down so far.
I'm extremely far behind but oh well.
23 about to graduate.
17k in student loans. Been putting like 50% of my income (poverty hours @ internship) to the loans. Paid 2k down so far.
I'm extremely far behind but oh well.
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10-07-2017, 03:37 PM
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#143
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Originally Posted By PeaceWithin⏩
Because he tells whoppersNegged for being a whiny bitch. You complain about him criticizing other people, and yet you are the one who can't stop hating/complaining about him in every thread. Nothx.
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10-07-2017, 03:42 PM
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#144
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Originally Posted By Gashbell4595⏩
Try and understand it's not the fact that his parents helped him, good for him, it's the fact that he never, ever acknowledges that he wouldn't remotely be in the position he is in without them. He hasn't got the right to even open his mouth on the subject of other people paying off mortgages and such, he has absolutely no frame of referenceHe really irked me, guy is making excuses for everything on why his life is chit.
People would kill to have a better opportunity advantage in life, mean while this ******* is sitting back collecting his pennies not benefiting society in the slightest.
Yeah sure, it would be different if it was a 16-21 year old, but this guy is 43 and chose to work minimum wage for decades...
People would kill to have a better opportunity advantage in life, mean while this ******* is sitting back collecting his pennies not benefiting society in the slightest.
Yeah sure, it would be different if it was a 16-21 year old, but this guy is 43 and chose to work minimum wage for decades...
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10-07-2017, 03:45 PM
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#145
- JrM703
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I'm not going to go into exact figures, however my company matches 401K contributions, and has a Stock Purchase Plan. I obviously participate in both, and expenses are 30% of income.
For those wondering what they should be saving, this applies to all ages;
-Have at least $1000k for an Emergency
-3 to 6 Months of Income in case of unemployment or injury
-Always pay your bills first
-Save, save, save
I live comfortably.
For those wondering what they should be saving, this applies to all ages;
-Have at least $1000k for an Emergency
-3 to 6 Months of Income in case of unemployment or injury
-Always pay your bills first
-Save, save, save
I live comfortably.
10-07-2017, 03:52 PM
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#146
Originally Posted By samsbolton⏩
I haven't been tuned into the debate, but I definitely agree that people who have privilege but don't recognize it are, at best, deluded.Try and understand it's not the fact that his parents helped him, good for him, it's the fact that he never, ever acknowledges that he wouldn't remotely be in the position he is in without them. He hasn't got the right to even open his mouth on the subject of other people paying off mortgages and such, he has absolutely no frame of reference
Nobody wants to believe they didn't have an edge over somebody else, it's a difficult pill to swallow that your current situation wasn't all your own hard work. Of course it's takes work too, but the amount of work depends on initial factors.
That's why I never judge someone on their worth or "success"; I judge them on their attitude and ethic.
๐ฎ๐๐๐๐ ๐ ๐๐๐๐๐ถ, ๐๐๐๐๐ ๐๐๐๐๐ ๐ ๐๐๐๐๐
โโโโโโ๐งตMake trolls invisible: https://forum.obnoxiousbrutes.com/showthread.php?t=180234573 โโโโโโ
10-07-2017, 03:56 PM
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#147
- samsbolton
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- samsbolton
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Originally Posted By ashin1⏩
So while I watched a world famous opera in the cultural centre of the universe, you.. went fishing and had ice cream? Fuk meMe and the girlfriend are just about to go fishing, felt good smashing 2 times before lunch. But before we go fishing I told her I'd buy ice cream cause she helped me put up some Christmas lights just 2 minute ago.
Wouldn't even gesture the idea of switching places with you lol
Wouldn't even gesture the idea of switching places with you lol
2023 bertie awards 2024 nominations
https://forum.obnoxiousbrutes.com/showthread.php?t=184693083
10-07-2017, 05:13 PM
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#148
- ErnieMccracken
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Originally Posted By samsbolton⏩
lol UK is turning into a chithole. By far the ugliest people in the developed world.So while I watched a world famous opera in the cultural centre of the universe, you.. went fishing and had ice cream? Fuk me
10-07-2017, 08:27 PM
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#149
- Parkerscott
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- Parkerscott
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Originally Posted By samsbolton⏩
reminds me of the "i listen to rains of castemere" copypasta. Please go you ugly fukn chavSo while I watched a world famous opera in the cultural centre of the universe, you.. went fishing and had ice cream? Fuk me
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10-07-2017, 09:31 PM
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#150
- ashin1
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- ashin1
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Originally Posted By PeaceWithin⏩
at this point he is a broken record and spews the same chit thread after thread he tries to start an argument, and it so clear that he has a low level of mental maturity, and probably explains why he is so ass hurtNegged for being a whiny bitch. You complain about him criticizing other people, and yet you are the one who can't stop hating/complaining about him in every thread. Nothx.
Originally Posted By fishnbrah⏩
you choose to work for minimum wage? cope of peace.
Originally Posted By samsbolton⏩
Because he tells whoppers
Originally Posted By samsbolton⏩
1. I have built up over 200k portfolio before i ever needed to borrow anything from my parents.Try and understand it's not the fact that his parents helped him, good for him, it's the fact that he never, ever acknowledges that he wouldn'tremotelybe in the position he is in without them. He hasn't got the right to even open his mouth on the subject of other people paying off mortgages and such, he has absolutely no frame of reference
Spoiler!
COPE
2. If i really wanted too i could buy multiple properties right now, with minimal effort. you don't have any dependents and you are 43, one wold think would have accumulated more wealth given having such low expenses month over month despite having your time worth minimal value.
Originally Posted By samsbolton⏩
did you go to the opera with your girlfriend?So while I watched a world famous opera in the cultural centre of the universe, you.. went fishing and had ice cream? Fuk me
Spoiler!
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