Search found 223 matches

by ricardo
Thu Sep 05, 2019 7:30 am
Forum: RetireJapan for Dummies
Topic: Timing the market
Replies: 40
Views: 22123

Re: Timing the market

I have no choice about my company pension being in the UK. It’s where I earned it and it cannot be moved. So, for me, timing the ‘market’ is about timing the exchange rate. Equally difficult. I’ve decided not to worry and just pull the money every month as planned. Sometimes I’ll get more. Sometimes...
by ricardo
Wed Sep 04, 2019 12:31 pm
Forum: RetireJapan for Dummies
Topic: Timing the market
Replies: 40
Views: 22123

Re: Timing the market

Are you referring to the minimal UK state pension? Remember it’s frozen for Japan residents anyway so will reduce to an even smaller sum over the years because of inflation. I refer to a big, index-linked company pension where the exchange rate makes a big difference. The UK is leaving the EU on 31 ...
by ricardo
Wed Sep 04, 2019 11:15 am
Forum: RetireJapan for Dummies
Topic: Timing the market
Replies: 40
Views: 22123

Re: Timing the market

I have money in GBP and I live in Japan.

The UK is leaving the EU next month.
by ricardo
Wed Sep 04, 2019 7:48 am
Forum: RetireJapan for Dummies
Topic: Timing the market
Replies: 40
Views: 22123

Re: Timing the market

I think it might be better to try to stay on topic with the forum, and avoid things like politics in other countries, religion, etc. Agreed But the UK is leaving the EU on 31 October, “do or die.” This is profoundly important for anyone who has a financial connection with the UK or who is betting w...
by ricardo
Fri Aug 30, 2019 11:36 am
Forum: General
Topic: Car owning expenses?
Replies: 12
Views: 3501

Re: Car owning expenses?

getcars.jp seems to be an agent for people living outside Japan who want to have a Japanese car exported to them?
by ricardo
Wed Aug 28, 2019 12:00 pm
Forum: Real Estate
Topic: Psychology of buying a house
Replies: 16
Views: 8680

Re: Psychology of buying a house

No I usually act on impulse. When I bought my last house, which was at the time just a piece of land with weeds and a portaloo on it, I decided within seconds that it was the right place for me. The location was everything. I admire you. I guess it was within your budget and you were not afraid to ...
by ricardo
Wed Aug 28, 2019 7:46 am
Forum: Real Estate
Topic: Psychology of buying a house
Replies: 16
Views: 8680

Re: Psychology of buying a house

No

I usually act on impulse.

When I bought my last house, which was at the time just a piece of land with weeds and a portaloo on it, I decided within seconds that it was the right place for me. The location was everything.
by ricardo
Tue Aug 27, 2019 5:57 am
Forum: General
Topic: Car owning expenses?
Replies: 12
Views: 3501

Re: Car owning expenses?

amattie wrote: Tue Aug 27, 2019 3:55 am Best value is on the auction market -- maybe 20% less than the dealer price for a used car, but it varies -- but you need to be a little less sensitive about cosmetic stuff cause you won't get to see scratches or stains in person.

Have you bought a car at auction in Japan?
by ricardo
Thu Aug 22, 2019 5:47 am
Forum: Pension
Topic: Backpaying UK pension (Class 3)
Replies: 36
Views: 20228

Re: Backpaying UK pension (Class 3)

The British people will never elect Jeremy Corbyn as Prime Minister, so calm yourself...
by ricardo
Wed Aug 21, 2019 7:55 am
Forum: Real Estate
Topic: Advice on buying a mansion
Replies: 29
Views: 10351

Re: Advice on buying a mansion

Yes, when the bank approved my loan I was a regular employee. Had been for several years. That’s what they’re looking for. Income stability over a long period with a proper company. Half of my income is from freelancing. They didn’t seem interested in that - it was all about my ‘main job’, the one t...