Good Reads

In my latest blog post on, I reviewed PayPoint, a dominant market leader with a history of impressive growth but where the core market has started to decline. The question now is whether PayPoint can successfully pivot away from its old core business fast enough to keep growing. [...]
Sun, Sep 19, 2021, Continue reading at the source
Weekend reading logo
What caught my eye this week. When I began investing in the early 2000s, the September 11th attacks still loomed large in investors' minds. Of course, that shadow extended everywhere then. The West was at war in Afghanistan and soon Iraq. Terrorist plots exploded or were foiled with numbing regularity. It all hogged the news like Covid or Brexit. In investing circles there was seemingly an extra moral question, too. Was it right to try to profit from the share price moves that resulted from this chaos? I spoke to some investors who had lost friends in the attack on New York. Others had been able [...]
Fri, Sep 17, 2021, Continue reading at the source
Is the grass greener on the other side? Maybe! But it sure seems like work is awesome for knowledge workers during the pandemic. I discuss this topic with my wife. We'll talk about public school rankings later! Posts mentioned: Working During A Pandemic How To Convince Your Spouse To Work Longer So You Can Retire Earlier [...]
Thu, Sep 16, 2021, Continue reading at the source
Portfolio management tool: snapshot screen
New Monevator readers often ask what's the best way to track and manage their portfolios. Old hands may rock a custom spreadsheet. One that's probably more sophisticated than the software aboard an Apollo spacecraft. However I'd happily recommend Morningstar's Portfolio Manager. It's a free online portfolio tracking tool that does the important things well. This portfolio tracker automates returns for a wide range of investments. You can easily dial-up funds and ETFs, shares, and investment trusts from its enormous database. All you have to do is input your trades. With Portfolio Manager you can track your performance in XIRR money-weighted or unitisation time-weighted mode. You can [...]
Wed, Sep 15, 2021, Continue reading at the source
Hydrogen is the most commonly occurring element in nature and is set to play a defining role in the 'green' industrial revolution as the world moves to replace fossil fuels. It can be stored and used to power long-distant transport such as cars, lorries, trains and ships. It can be used to generate electricity. It can be stored and transported for use at a later date. Green hydrogen made from renewable energy such as wind and solar is a clean source of energy and when used the only emissions are water and heat. ITM Power (ITM.L) designs and manufactures products [...]
Mon, Sep 13, 2021, Continue reading at the source
In more innocent times once upon a time, I walked into a branch of Barclays opposite where I worked, showed them my staff pass card and 20 pounds to get the ball rolling, and walked out with a shiny new Barclays bank account. No passports, name rank and serial number proof, no pack drill, just … Continue reading "Fintech Fantasyland – Raisin and Coinbase" [...]
Thu, Sep 09, 2021, Continue reading at the source
2021 has been a pretty good year so far for the UK stock market. The FTSE 100 is up around 10%, the FTSE 250 is up around 18% and my portfolio of dividend stocks has also performed quite well. To read the full performance review, along with some of the major tweaks I've made to […] [...]
Thu, Sep 09, 2021, Continue reading at the source
Yesterday, the PM announced plans to increase taxes to pay for the NHS backlog resulting from Covid and to increase funding for the costs of long term care. So, from next April this will include an extra 1.25% on NICs for employees who's earnings are above the lower limit of £120 p.w. and will also include those who are still working beyond state pension age. In addition there will be an extra 1.25% for employers.This will mean an extra £255 for those on an average wage of £30,000 p.a. Dividends In addition, there will be a 1.25% increase to the [...]
Wed, Sep 08, 2021, Continue reading at the source
Are you feeling less and less motivated to work because your investment returns are surpassing your active income? Let's discuss the crossover point where spending any amount of time working no longer makes sense. I've talked to regular income-earning folks and folks making millions a year. The growing feeling of apathy towards work is the same! Post: When Investment Returns Are Greater Than Active Income [...]
Wed, Sep 01, 2021, Continue reading at the source
It's the dog days of summer, the lazy time but late enough that you can smell the change in the seasons, the rich scents of decaying plant matter signalling impending Autumn. The robin seems to have moulted and is now a bright orangey-red and singing again. There's a fractious feeling about. The Ermine thinks back … Continue reading "Welcome to the Weird" [...]
Wed, Aug 25, 2021, Continue reading at the source
Unsuccessfully but Refreshingly trying to climb the local waterfall “MMM, are you still alive?”– somebody on Twitter Holy Shit! I just realized that the last time I wrote a blog post for you was on April 18th, and now it's late July. That's an entire quarter of a year that I have let this wonderful, golden field of interesting opportunities and people sit untended. How could Mr. Money Mustache, a reliable stalwart of bossy financial advice since 2011 and usually good for at least one post per month, have drifted so far from his original dedication? It's a question that earnest fans [...]
Sun, Jul 25, 2021, Continue reading at the source
Little MM and me self-educating with some Orson Scott Card, way back in 2017. We've come so far together since then! So it looks like my 15-year-old is officially a high-school dropout. Halfway through ninth grade, emboldened perhaps by the taste of freedom that Covid-era remote learning had provided, he realized that the whole system was just too slow and inefficient for him, and was “Getting in the way of his work.” So as it looks now, he'll probably never return to any sort of in-person schooling, and I will be surprised if he ever attends college. Yes, he is technically [...]
Sun, Apr 18, 2021, Continue reading at the source
I've had a difficult time finding a way to create a new entry on a blog that has essentially been dead since 2015. Yet, I have had a persistent feeling that I owe my readers an update. Consider this an effort to encapsulate the last five or six years into a single post containing fewer than seven eight nine ten thousand thousand words so you can hopefully finish reading it in under half an hour. 2015 I retired early on a shoestring, something called lean-FIRE as dubbed by the early-retirement geeks: a sub 4% withdrawal rate (appx 30Kish a year spend — [...]
Wed, Mar 17, 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
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
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
Edited post:This blog has been moved from Blogger to WordPress.The new website can be found at Quietly SavingThanks for stopping by. [...]
Sat, Dec 12, 2015, Continue reading at the source
Unbelievable yes, but I got another premium bond win, my second this year! Yay!Ok, so I only won £25 but prior to my win in February, I hadn't won anything in years!It could well be just a massive coincidence that I've started winning ever since I've been regularly buying more premium bonds - my holding is tiny though, only £2,135 and according to this premium bond calculator, if I have 'average luck', I would expect to win just £25 over a year. Let's hope I'll be VERY lucky at some point in the future! In the meantime, I will chuck [...]
Wed, Dec 09, 2015, Continue reading at the source

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