Come visit your mate in Calgary. He sounds like he knows a place or two. An hour away from the mountains like below. In a pinch I could show you some trails too. This is where my head is at most days:
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They are magnificent. I agree with that.I have to jump in to defend the Scottish mountains. Sure, they are not as high as others, they are so old. They might not be quite as wild but they are magnificent.
I work looking out over the sea (It is literally just across the road) yet can see the mountains from my house and am about half an hour from them.
There is a lot to be said for living on a small island.
It really does depends. And often comes down to personal choice.Whether it’s US, UK, Canada or even Iraq, I’d rather have 20k debt than 147k... Or do you disagree?
What is it with you and Gulags. You seem obsessed with the word.The Left’s common tactic of smearing their opponents with the goal of total power.
They are just new types of stalinists, simple put gulag wanker dreamers.
This article explains the leftist playbook of hate in simple terms that have occured in recent years. https://spectator.org/how-disagreement-became-hate/
In my experience whenever a right wing fanatic brings up some weird way in which to accuse the center and left it's because that's what they want to do themselves. They're stalinists screaming about communists.What is it with you and Gulags. You seem obsessed with the word.
It's literally NOT lies and slander at all.Lies and slander.
It really does depends. And often comes down to personal choice.
I've always been comfortable with the idea of debt, provided it's serviceable debt. I've always been of the mindset that I'd rather have something now, than save and wait for it. Life's too short, and too fickle for the latter. So my life has always been a financial balancing act between getting what I want, doing what I want and having the financial means to do so, and paying/planning for retirement.
Course I'd hate to be in a position of unaffordable debt.
Had an interesting conversation with a financial advisor last year which might throw an interesting spin on what you're suggesting about debt. We have some mortgage remaining on our house and some money coming end of this year. So, the deliberation we have is whether to pay the mortgage off, or whether to throw the money into our Pension pot. My and my wife's mindsets have always been that you pay your debt off first and always. The mortgage advisor asked us why we'd do that when the interest rate on our mortgage is around the 2% mark, yet our Pension Pot returns roughly three times that amount annually. We've followed her advice of course and opted to retain the debt for the time being. Feels illogical though.
Of course. And usually it's paid off with a premium. Course it is.End of the day, you have to pay it off sometime. For some, debt is vehicle to afford something they don’t have and they use it to get something now rather than later, at a price. I’m reasonably uncomfortable with that. Saying that, the best bit of advice I ever got, was that in business, never do anything with your own money, let the banks take all the risk (assuming you can service the debt)