Good Reads

The benefits of investing in triple-net properties
The following is a guest post by Bill Lanting | Vice President, Commercial Debt, RealtyShares. I met Bill over dinner and asked him to share his wisdom about triple-net properties because such investments sound attractive to someone who doesn't want to do much managing or remodeling. Savvy investors seek the most return for the least amount of effort. Therein lies the appeal of triple-net properties, which offer the chance to work with major commercial tenants while at the same time handing off some of the biggest responsibilities any property owner will face. Triple-net may align with your goals if you're seeking [...]
Mon, May 21, 2018, Continue reading at the source
Weekend reading logo
What caught my eye this week. Royal Wedding day, and this week's money and investing links will flutter by you like confetti in the wind. Before becoming confetti stuck between your teeth. After becoming confetti that snagged in your hair. And then becoming confetti that falls into your glass of bubbly before the speeches. Or is that just me? I like confetti at a wedding as much as the next temporary hedonist – when it's spiraling through the air and framing the happy couple and everyone inhabits in a Disney movie for an instant, or at the very least an episode of Emmerdale. But [...]
Sat, May 19, 2018, Continue reading at the source
By now it's no secret that I dislike investment expenses and continually work to minimise them in the most cost effective manner. I've also written previously about how my work defined contribution (DC) pension scheme gives no special benefits but does extract at least 0.6% in annual expenses. I've also previously written about how I take advantage of the pension partial transfer rules by [...]
Sat, May 19, 2018, Continue reading at the source
Congratulations everyone! According to this chart below, everybody is rich in America! Our assets are at the highest level compared to our income in all of history thanks to tremendous asset price appreciation. Anybody who bought stocks and real estate between late 2009 and 2015 is sitting mighty pretty. When you're sitting mighty pretty, you tend to spend more frivolously and take on debt to buy things you don't really need. But at some point, a percentage of the population gets carried away, commits financial suicide, and brings the rest of us down with them. I'm really hoping the good times will [...]
Fri, May 18, 2018, Continue reading at the source
It is now three years on since my initial purchase of this all-in-one fund in May 2015 so time for another annual update,I believe the average investor could do well from adopting a very simple, no-frills low cost diy strategy which makes sense, which can be tailored to fit in with a variety of attitudes to risk/market volatility and has every chance of providing a decent outcome.Investing is all about the long term for the best probability of a good result. Investors therefore need a sound strategy which will provide them with every chance of lasting the course or ‘staying [...]
Fri, May 18, 2018, Continue reading at the source
Poor old Ben Broadbent, second in command to the suave Canadian fellow Mark Carney at the Bank of England. Mark's a chap who can fall out of a boat without making waves, unlike his deputy. In the hoopla about Ben's perhaps unwise choice of words – did you know climacteric1 was a thing? his message got lost. but it's pretty straight between the eyes. In an article for the Torygraph in the guise of Edgar Allen Poe's Raven, the harbinger of doom. compared the current slowdown in growth and wages to a lull at the end of the 19th [...]
Wed, May 16, 2018, Continue reading at the source
Kicking Ass with Money is much like healthy eating and joyful living. It's a series of daily habits that get you ahead, rather than a one-time heroic effort that fixes all your problems so you can go back to whatever you were doing before. Because of this parallel, the subject of food is one of the nicest examples of Mustachian living, and one of the most powerful and efficient things to master. Your eating choices will drastically affect your budget (especially if you are raising a family), but they also affect your health, energy levels, productivity, and happiness. The path a great [...]
Tue, May 15, 2018, Continue reading at the source
A retirement income from ‘smart' ETFs post image
Many months ago, I promised to look at the practicalities of using income-seeking ETFs to generate an income in retirement. It seemed sensible to split the post into two parts: The first, already published, looked at purely passive income-seeking ETFs. A second post – this present one – looking at so-called Smart Beta income-seeking ETFs. That said, as I've remarked before I'm not necessarily a fan of ‘smart' income-seeking ETFs. Countless investors had their fingers burned investing in the popular iShares' FTSE UK Dividend Plus ETF (Ticker: IUKD) ten years ago, having mistakenly seen it as a lower-cost and less-risky way of getting an [...]
Tue, May 15, 2018, Continue reading at the source
Scottish Mortgage is an actively managed, low cost investment trust, investing in a high conviction, global portfolio of companies. The managers aim to achieve a greater return than the FTSE All World Index (in sterling terms) over a five year rolling period.This investment trust was added to my SIPP portfolio at the start of 2017 at the initial purchase at 338p. A year later, following a little turbulence in the share price, I added SMT to my ISA portfolio at 415p. The share price has advanced to currently 505p.ResultsThe trust has today issued results for the full year to end [...]
Mon, May 14, 2018, Continue reading at the source
At age 45 I'm beginning to think I might just be falling behind all the cool kids. Let's use grocery shopping as an example. Throughout the week as we use up (or get within about a week of using up) items we write that item down on what is usually the back of a piece of junk mail. As the week progresses that starts to form into a grocery shopping list. Then before we go on our weekly [...]
Sat, May 05, 2018, Continue reading at the source
It's already May, the sun is shining and so what better time to take a look back at the past month. Work Work continues to tick on by with increasing predictability. I work in an open plan office but it may as well be 6ft high cubicals on some days. My work has certainly got The post April 2018 Networth update appeared first on . [...]
Fri, May 04, 2018, Continue reading at the source
It must have been so simple when he was a nipper. You buy a house with a mortgage, and you got to pay back a shedload of interest and a teensy bit of the capital. 25 long years later and this happens how a traditional mortgage builds equityas the dynamic balance between interest and capital repaid shifts in your favour. The downside, of course, is that you have to pay off the capital. You pay roughly twice as much1 for your house if you buy it with a mortgage than with cash, due to paying interest for 25 years. Which is [...]
Wed, May 02, 2018, Continue reading at the source
After three years, wall-mounted toilet paper has become the latest thrill. When I built our current house, I decided to do as much of the work as practical myself, because I learned years ago that this is the most satisfying way I can possibly live. I love sitting back late at night, especially during cold winter nights or intense summer rainstorms, and looking up at the high ceilings and the ornately framed windows and thinking about all that structure holding itself together and protecting us so nicely inside. Satisfaction. Sure, practicality also required some compromises – I hired out the big, repetitive task [...]
Tue, Apr 10, 2018, Continue reading at the source
It's the first day of work after the bank holiday so time for my monthly networth update. I'm gonna try splitting things up a bit more going forward to add a bit more depth into my figures and what's been going on the past month. Work The excitement in work this month was having to The post March 2018 Networth update appeared first on . [...]
Tue, Apr 03, 2018, 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
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
On Thursday morning my boss handed me The Letter.My application for Voluntary Redundancy has been accepted and all the playing with spreadsheets and financial wheeling and dealing I've been doing over the last 2 years turns out to have been completely unnecessary. Early retirement landed on my plate, courtesy of Government cuts, and I finish on 31st March 2016.The group of us who got letters immediately ticked the box and delivered our acceptances to HR en masse. There was something of a party atmosphere going on. We're virtually all long serving older people able to access our pensions early, with [...]
Sat, Dec 05, 2015, Continue reading at the source
This time last year I finally gave in and decided to do some Christmas shopping on amazon. (I know the FiRe community is very down on "stuff" but everyone has to spend a little on it at Christmas don't they?) This capitulation followed several months of trying to do the right thing and boycott them due to their tax avoidance (their treatment of employees being allegedly none too great either.)I had been buying at local independent bookshops and feeling much better for it, but Christmas loomed, time was short, amazon deliveries are generally timely and prices competitive. I took [...]
Sat, Nov 21, 2015, Continue reading at the source

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