Good Reads

A hazard warning sign that says “Old Age Ahead”.
Anyone planning for financial independence (FI) knows it's hard to picture your life in retirement. Like a precog from Minority Report, you can only glimpse fragments of your future. However we've uncovered intriguing research that might help you fill in the ‘Here Be Dragons' gaps in your FI map. The research – Retirement Living Standards in the UK in 2021 – plots three tiers of retirement spending, ranging from minimal to moderate to comfortable. The paper also serves up insights into what kind of lifestyle that spending really buys, from people already living it. Much ado about much more than nothing Retirement research gives you [...]
Wed, Dec 01, 2021, Continue reading at the source
Looking into the future with a crystal ball
A new investor has a thousand ways to be confused by the stock market. Hearing the old adage ‘buy the rumour, sell the news' won't help. What on earth?! Why buy shares when you're not sure what's going on?Or sell when a great thing is finally confirmed?Why be uncertain at all in 2021 – when the facts are just a Google away?If you're asking these questions, then you don't yet understand how markets work. Which is what makes this old instruction so – well – instructive. Buy the rumour because the market prices forward The basic idea here was as familiar to white-wigged traders swapping [...]
Mon, Nov 29, 2021, Continue reading at the source
This 'Steady Eddie' capital preservation investment trust was added to my portfolio back in 2013...sold a couple of years later but then re-purchased in May last year as I was re-evaluating asset allocation following the Covid-19 shock to global markets. Results The trust has this week published results for the half year to end October 2021 (link via Investegate)Over the past 6 months, net assets have increased by 5.9% (total return) compared to 5.4% for the FTSE All Share index. Over the past 3 years the returns were 28.8% and 17.6% respectively. The trust's share price is maintained close to [...]
Thu, Nov 25, 2021, Continue reading at the source
Last month I took a look at what we could reasonably expect from the COP26 gathering in Glasgow. To be honest, I was not really expecting a great deal of progress from our world leaders given their track record over the past 25 years. Now the dust has settled, let's have a look at progress... Well, we've had two weeks of intense climate talks, representatives from 200 countries, thousands of demonstrators, wall to wall media coverage ...so what has all this achieved? Are we on track to limit global warming to 1.5C?Here are some of the main points: * Over [...]
Fri, Nov 19, 2021, Continue reading at the source
Although inflation is at its highest rate in 30 years, inflation should normalize in 2022 and beyond. Instead, we should start worrying about a boom BUST cycle due to excess supply in the future. Posts mentioned: Cities Most At Risk Of A Housing Downturn [...]
Thu, Nov 18, 2021, Continue reading at the source
SThree is the world's number one recruitment firm focused solely on science, technology, engineering and maths-related roles (typically abbreviated to STEM). I think it's a high-quality dividend growth stock and I added it to the UK Dividend Stocks Portfolio and my personal portfolio back in April 2020. You can read the full review of SThree on my […] [...]
Tue, Nov 16, 2021, Continue reading at the source
In a bull market, it's easy to get carried away. Just be careful not to think you're an investing genius when it's really the bull market that is helping you make winning investments. Work on building your strong mind for more financial security. It's your ultimate secret weapon! Posts mentioned: https://www.financialsamurai.com/the-ultimate-source-of-financial-security-your-strong-mind/ https://www.financialsamurai.com/perpetual-failure-the-reason-why-i-continue-to-save-so-much/ [...]
Fri, Nov 12, 2021, Continue reading at the source
Try imagining a place where it's always safe and warm “Come in,” she said, “I'll give you shelter from the storm” I bought Safe Haven by hedgie Mark Spitznagel from a recommendation in one of Monevator's comments. I'd agree with the comment that the book doesn't leave you with anything actionable, but perhaps as Dion … Continue reading "Safe haven by Mark Spitznagel" [...]
Sun, Nov 07, 2021, Continue reading at the source
I extended a mustelid paw across the sea to visit the prehistoric standing stones of Carnac in France. I figured it would be a low-key attempt to test foreign travel post/during Covid. It's not the first time I have been there, but there are one hell of a lot of sites in a very small … Continue reading "Ermine abroad – first the smartphone came for the workers, and now it's come for me" [...]
Mon, Nov 01, 2021, Continue reading at the source
Next is a popular UK clothing and homeware retailer and it's popular with dividend growth investors too. It recently announced relatively positive half-year results, so I thought this would be a good time to review the company's current situation, its underlying qualities and why Next is a holding in both my personal portfolio and the […] [...]
Tue, Oct 26, 2021, Continue reading at the source
A work of art. To most of the Internet, Mr. Money Mustache is known as the quirky early retirement financial guy, and this is a blog about Money. But really, I'm not a finance guy – someone who devotes most of his time to optimizing money. I'm more of a general Life Engineer – someone who tries to optimize everything that is fun and interesting in life, and money is just one of those things. Optimizing means getting the most good out of something – whether it is money, time, health or happiness, while minimizing waste. This is what allows us to make [...]
Tue, Oct 05, 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
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
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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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