Good Reads

Inflation: Not wanted parody sign
Have you ever received a measly CPI-adjusted wage rise and felt like the headline inflation rate bears as much relation to your cost of living as a neanderthal tribe does to the Rich Kids Of Instagram? CPI inflation and its RPI cousin measure the average change in prices for a representative basket of goods and services bought by UK households. This average figure is highly unlikely to match your spending habits. In fact, it would be extraordinary if it did. Perhaps you don't smoke, or drive, or have a pet. Maybe you're a vegetarian, or don't consume prescription drugs at the [...]
Tue, Jan 26, 2021, Continue reading at the source
Weekend reading logo
What caught my eye this week. I enjoyed Indeedably's post this week about his self-imposed silence on hitting a major financial goal: In the end, I opted not to mention my arbitrary financial milestone to anyone in real-life. Instead, I joined my kids on the couch for a game of Super Smash Bros, while icing my busted toe with a bag of frozen peas. The lockdown kitten leapt onto my lap and settled down for a nap. Shallow and vain creature that he is, he had already forgotten about his fleeting stolen food victory and recent water gun defeat. Now he was content to be [...]
Fri, Jan 22, 2021, Continue reading at the source
Founded in 2007, Sunrun has grown rapidly and is now the largest installer and also owner of solar systems on homes in the US with a market share of around 20%. The current market cap. is $16.5 billion. The business is driven by the increasing weather-related climate events - from devastating wildfires in California, floods and hurricanes along the eastern seaboard - all of which are leading to extensive power outages. More and more people are looking for ways to reduce their dependence on the large utility providers and turning to solar panels and energy storage solutions. In addition a [...]
Thu, Jan 21, 2021, Continue reading at the source
Having recently moved house and also reviewed my end-of-year portfolio and finances, this is probably a good time to expand on some brief notes I made on inheritance tax.Whilst many pensions are usually exempt from inheritance tax, the total value of any house, cash or investment ISA will form part of your estate and is therefore liable to 40% inheritance tax (IHT) on death. For most people, it's not an issue as their estate is valued well below the threshold. However, as the value of property such as your main residence or buy-to-let properties and also (hopefully) investments rise over [...]
Tue, Jan 19, 2021, Continue reading at the source
With 2020 finally over (good riddance) now is the traditional time for an annual performance review, and who am I to argue with tradition? In this review I will: measure my portfolio's short, medium and long-term performance against an appropriate benchmark and think about what went right and what went wrong, and how that knowledge […] [...]
Tue, Jan 12, 2021, Continue reading at the source
2021 Financial Samurai forecast for stocks, bonds, real estate, the economy, and the 10-year bond yield. These forecasts will dictate how I asset allocate and put real money to work to maintain financial freedom or help you gain financial freedom! See post: 2021 Financial Samurai Predictions [...]
Wed, Jan 06, 2021, Continue reading at the source
Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we've just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I'm currently in, I feel it's worthy to flip that weighting as it really has been a year to both remember and to forget. Additionally and [...]
Fri, Jan 01, 2021, Continue reading at the source
Over the last ten years or so my investment approach has moved steadily towards higher quality companies, yet hopefully still purchased at attractive valuations. This takes quite a bit more time because I have to analyse companies in more detail, but for me this is the right decision as I prefer investing in successful businesses […] [...]
Tue, Dec 22, 2020, Continue reading at the source
Sovereignty, such a many-splendoured thing. The right to do what you bloody well like regardless of Johnny Foreigner. Taken all the way you get to Juche in North Korea, but it is what a small margin of our fellow Brits wanted in that Brexit vote. Its core idea is that North Korea Britain is a … Continue reading "Sovereignty delivered early on the longest night of the year" [...]
Mon, Dec 21, 2020, Continue reading at the source
A close friend of mine was diagnosed with cancer this year. It was the serious kind, where you need to treat it quickly and aggressively or it will spread through your body, stick to all of your organs, and kill you. The diagnosis was a shock to my friend and her loved ones – she's fairly young, had always been healthy in the past, and had no warning it was coming. But she decided against self-pity and just took the diagnosis with complete seriousness. In the brief week of calm that she had before the storm of chemotherapy, she warned her [...]
Fri, Dec 18, 2020, Continue reading at the source
Hi Folks! Checking in during the holidays. We've been trying to take things easier and plan for a long winter a head. My wife and I talk about French Laundry, money, kids, and the future. [...]
Wed, Dec 02, 2020, Continue reading at the source
There's an interesting discussion over at Finimus, who characterises the tl;dr as So that's my verdict after four years of early retirement: boring. and over at Monevator TA fears the dying of the FI/RE light. Every time one of these FIRE-ees announces their return to work, I think of another soldier falling to cannon-fire amid … Continue reading "early retirement isn't boring. Brexit and Covid are" [...]
Fri, Nov 27, 2020, Continue reading at the source
Two years ago, I was unsatisfied with my options for health insurance. The premiums were rising even as the quality dropped in the form of an ever-increasing deductible. I am guessing that you might feel the same way these days – most of us Americans are in the same boat. I felt like I was being squeezed from both ends and it was starting to piss me off. So I decided to take some action, by doing the math for myself using a spreadsheet. I needed to answer the question, “Is this insurance really as bad a deal as I think [...]
Tue, Nov 10, 2020, Continue reading at the source
I'm not sure if it's the COVID-19 lockdown affecting me, or whether this is really a thing, but over the past month or so I've started to really notice companies stretching their take on integrity. Maybe I was just in a bubble before but for me if you don't have integrity I don't want to be anywhere near you. Let's look at a few examples that I've personally come across. BT this week [...]
Fri, May 08, 2020, Continue reading at the source
Not much has changed since my Summer Networth update back in June. Work continues to tick along day-to-day although I did manage to negotiate 2 days a week working from home which saves on commute costs and means more time around family. We had an amazing year Matched Betting, with a record monthly high of almost £12,000 back in September. It's been an interesting year with an obvious reduction in sports offers, thankfully I've replaced many of these losses with... Read More Read More The post 2019 End of Year Networth Update appeared first on Early Retirement Guy. [...]
Sat, Jan 18, 2020, Continue reading at the source
2019 has been a very long year for me, filled with incredible highs and lows as we welcomed a new addition to the family and said goodbye to another. Personally it is a year I will never forget and one that has kept me very busy. Financially however the year was very boring, so much so that I've neglected to update this site for many months. I maintain my view that good personal finance is boring as hell and I'm... Read More Read More The post 2019 A Year in Review appeared first on Early Retirement Guy. [...]
Mon, Jan 06, 2020, Continue reading at the source
Peckham Spring Water
It's that time of the year when ridiculous consumer spending seems to prevail and dominate most peoples lives. This year like others I've tried to avoid unnecessary spending and instead focus on spending quality time with family and friends and giving thoughtful gifts where appropriate. I thought I'd take the time to share a recent story from the office of consumerism gone mad. I recently stumbled into a conversation at work where some colleagues were discussing the saneness of one particular gentlemen in the office. He'd just taken delivery of a bottle of water to his desk from the internal postal [...]
Wed, Dec 27, 2017, Continue reading at the source
To pay off the mortgage or to invest? That is the question. It's an often debated question in the world of financial independence and one thats been done to death in blogsphere several times over. In this article I won't go in depth into all of the pros and cons of each side of the argument but instead focus on describing what I do and why. If you're currently debating this issue internally here's a good look at the subject from the ever reliable Monevator. For the lazy amongst you here is a quick summary: Arguments to Overpay Your Mortgage It is equivalent to [...]
Thu, Apr 27, 2017, Continue reading at the source
Full quote: “When we win on Nov 8 and elect a Republican Congress, we will immediately repeal and replace Obamacare. ” Made during many, many speeches, a tremendous number of huge speeches, the very best speeches, by U.S. president-elect Donald Trump. You can't always believe what candidates running for office say as they slog through their campaigns — gross exaggeration, pandering, and outright lies are to be expected by all involved — but when it comes to Obamacare, surely it is safe to believe that some real changes are in store for us. Why? Well, it's because the Republican party [...]
Fri, Nov 11, 2016, Continue reading at the source
Take me back!
I've made a terrible mistake! I quit my job about a year ago. My last day was April 17th, 2015, to be exact. At this point I've got close to twelve full months of my new life under my belt. That's plenty of data, if you ask me. And it's become clear that, beyond the shadow of a doubt, the dream of early retirement more closely resembles a nightmare. The Experts are Lying to You We all know about Early-Retirement gurus like Mr. Money Mustache and that supposedly nice young couple at GoCurryCracker. They tell us to spend less and save a lot of [...]
Sat, Apr 02, 2016, Continue reading at the source

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