Good Reads

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What caught my eye this week. We're often told these days that we must take more responsibility for our own financial futures. And we must! This site partly exists to help. Taking responsibility is pretty straightforward – simple, but not easy – if you're spending more than you earn, or you haven't saved a rainy day fund. Like a vasectomy, it's a matter of cutting the outflow and redirecting internally. But once you're free of debt and you've got 3-6 months in a cash emergency fund, the picture gets more complicated. Not with the part most people fret over – how to invest. That's a solved [...]
Fri, Jul 03, 2020, Continue reading at the source
This is another company added to my portfolio last week operating in the fast-growing clean hydrogen fuel-cell market and with HQ in Sweden. It was formed in 2008 and is a spin-off from Volvo Motors who were researching fuel cell technology in the 1990s. It has a current market cap. of 15bn SEK (equivalent to £1.4bn).What They DoPowercell develops and supplies fuel cells, systems and support services that reduce the environmental impact of energy generation. Their mission is to create a fossil-free society.For over a decade the company has developed and refined fuel cell technology which provides clean power for [...]
Thu, Jul 02, 2020, Continue reading at the source
For those who are worried about inflation, don't be. There is not going to be inflation or inflation worries for years, if ever. I've got to believe the only people who are worried about inflation are people who took out a 30-year-fixed mortgage or who are against America! Relevant post: Why An ARM Is Superior To A Fixed-Rate Mortgage [...]
Wed, Jul 01, 2020, Continue reading at the source
NextEnergy Solar (NESF.L) is a large renewable energy infrastructure trust and a member of the FTSE 250. It was added to my green portfolio last September.Launched in 2014, the trust operates a portfolio of 90 solar farms located mainly across the South of England however in 2017 they acquired the Solis portfolio in Italy which accounts for around 15% of total operations.ResultsThe company have this week released results for the full year to end March 2020 (link via Investegate). The UK portfolio performed well with energy generated being 4.6% above budget due to more sun than average. In Italy performance [...]
Wed, Jul 01, 2020, Continue reading at the source
The portfolio is up 2.67% year to date.
Well, that's odd! The Slow & Steady passive portfolio is up year-to-date, by 2.7%. It's up over the past twelve months by 6.4%. I'll take that. It feels unreal to be talking about those kinds of returns as a global recession sweeps our economic shoreline like a tsunami. Can our chums in the world's central banks hold back the waters long enough for most of us to scramble to higher ground? For now, let's just double-take at the numbers that few would have predicted three months ago. Quarterly returns brought to you by Miracle-o-vision: The Slow and Steady portfolio is Monevator's model passive [...]
Tue, Jun 30, 2020, Continue reading at the source
I know what you're thinking, but we are country mice, so we are after seaweed, not yer metropolitan weed. Seaweed drying on the washing lineMrs Ermine had bought a snorkel, and was going to search the deep for seaweed. You can fry it and it makes pretty good crisps, as well as drying it and pulverising it in a food processor. She's of the opinion that it's good for you, well, as far as anything fried is ever good for anybody The snorkel was totally superfluous to requirements, because when the sea sounds like this looks like this what you need is [...]
Fri, Jun 26, 2020, Continue reading at the source
This article outlines how I look for quality companies capable of producing consistent and sustainable growth over long periods of time. Summary: Despite the occasional setback, quality companies usually produce consistent growth over long periods of time. Quality companies focus on sustainable growth, funded internally with retained earnings rather than from external sources such as […] [...]
Thu, Jun 25, 2020, Continue reading at the source
It looks like demand for buying a home has hit an 11-year high. Before you buy a home, it's good to know what's going on in the mortgage industry. The mortgage industry / banks hold the key to a steady real estate market. See this post for more charts and details. [...]
Tue, Jun 23, 2020, Continue reading at the source
Monday 15th June was allocated to opening non-essential shopping in England, and it seems to have gone down a storm. Boris would like a word with y'all Boris, me old buddy, the prospect of 10% unemployment1 is heading towards these punters you're exhorting to shop with confidence. Isn't it better to shop with confidence you will have a job to pay for your consumerism first? Not sure I'd start with Westfield either, I don't have fond memories of my last visit to Westfield – a food desert of overpriced junk. Nevertheless, we decided to go egg on the economy the Ermine way, [...]
Tue, Jun 16, 2020, Continue reading at the source
This article looks at how I measure dividend growth along with other factors that support sustainable dividend growth. Summary Dividend growth should be measured over periods of at least ten years. Revenue growth is just as important as dividend growth because revenues are the initial source of cash from which dividends eventually flow. Few companies […] [...]
Wed, Jun 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
A Quick Foreword: Although the world is still in Pandemic mode, we are shifting gears back to personal finance mode here at MMM. Partly because we could all use a distraction right now, and even more important because forced time off like this is the ideal time to re-invest in optimizing parts of your life such as your fitness, food and finances.Canadian Readers – we have also collected some recommendations for you at a new Canadian Mobile Phone recommendations page. — Every now and then, I learn to my horror that some people are still paying preposterous amounts for mobile phone service, [...]
Sun, May 03, 2020, Continue reading at the source
Camp Mustache Seattle, one of Chancellor Taner's ongoing assignments. Foreword from Mr. Money Mustache : Marla is a long-time friend who I met on one the very first of the Ecuador Chautauqua trips. Since then, she has served as the Chancellor of Fun in the MMM organization, which is an informal and haphazard group of entirely volunteer planners who sometimes create interesting events.Marla wrote this on March 18th, which makes her optimistic perspective from that moment in time even more appropriate today as we emerge from the chaos. The Medicine of MustachianismBy Marla Taner I love face punches. I love the shockingly [...]
Tue, Apr 14, 2020, Continue reading at the source
With us now being only a single working week away from the new UK financial year and the investment world still feeling the impacts of the COVID-19 situation I thought it might be worthwhile sharing a little about how my portfolio and life is changing given where we currently find ourselves. Let's start with what my investing strategy, something I first shared way back in 2009 but wasn't really [...]
Sat, Mar 28, 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 The post 2019 End of Year Networth Update appeared first on . [...]
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 The post 2019 A Year in Review appeared first on . [...]
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
Quick disclaimer: I can't recommend that readers perform the actions I've taken, so be aware while reading I'm not suggesting that everyone should follow my lead here. Please don't, at least not before carefully thinking through the implications. Most people implement alternate solutions to solving their own moral dilemmas caused by index investing. (There are tons of good suggestions in the comments.) Another mass shooting here in America occurred last weekend, the worst ever, half a hundred dead, a like number wounded, all caused by one crazy asshole unleashing not exactly unimaginable horror on innocents. Of course, it's not unimaginable [...]
Sat, Jun 18, 2016, Continue reading at the source

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