Good Reads

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What caught my eye this week. I suppose it's because I've long worked from home anyway, but I've been overlooking a big aspect of ‘back to office' post-Covid debate. Hitherto I've mostly focused on the productivity angle. How would firms weigh productivity gains from remote work against the loss of culture or development potential, I wondered? As an active investor, I've spent 18 months shifting my money back and forth between work-from-home stocks like Zoom and Atlassian and beaten-up commercial property, reflecting my changing views. But what I'd forgotten is that people are people. And that some of them are desperate to get back [...]
Sat, Jul 31, 2021, Continue reading at the source
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This post – part three of a Monevator deep dive into Emerging Market debt as an asset class – will compare the best Emerging Market bond ETFs and funds I can find. The two previous posts examined the case for and against Emerging Market bonds: Part one investigated the superior risk-adjusted returns of EM debt. Part two dug into why the asset class's historic out-performance may not be repeated. While I think the argument in favour is marginal, I'm still tempted to invest in Emerging Market US$ sovereign bonds. I believe they may be a useful diversifier on the growth/risk side of my asset [...]
Wed, Jul 28, 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
[N.B. this article is mainly about climate change so if this is of no interest to you feel free to skip] I think by now most people have some understanding about climate change and the need to move away from fossil fuels to cleaner forms of energy. To meet the Paris Agreement targets and keep global warming well below 2.0C our world needs to urgently decarbonise to avoid devastating climate events. We are already seeing this at just 1.2C of warming with recent flooding in Germany and China ( a years rain in a single day), wildfires in Siberia and [...]
Sun, Jul 25, 2021, Continue reading at the source
The Covid-19 pandemic has buffeted the global economy in quite an extraordinary and unexpected way this past 16 months. Many sectors have been hit very hard but the lockdowns and social distancing means we all have to adapt to find new ways of doing things. Technology has helped us all to get through the pandemic. Millions have been working from home, online shopping has doubled and there has been an increased demand for home entertainment. The pandemic has highlighted just how reliant we all are on technology and this is likely to continue as more of the world gets the [...]
Wed, Jul 21, 2021, Continue reading at the source
Ah, diddums. Employers are yelling the house down that they are having labour shortages in, ahem, the lower end of the skills range. That's your fruit pickers, kitchen porters and the like. Now I am not a fan of Brexit. It is a pain in the arse – if one could travel to Europe it's … Continue reading "Brexit dividend at last – labour shortages are a feature, not a bug" [...]
Fri, Jul 09, 2021, Continue reading at the source
The ideal time to contribute to a Roth IRA is when you're young and poor. In other words, if you're a student and in your 20s earning less than the maximum income limit, you should be contributing. However, if you're about the 22% federal marginal income tax rate, it's a push. Tax diversification in retirement is important! https://www.financialsamurai.com/disadvantages-of-the-roth-ira-not-all-is-what-it-seems/ https://www.financialsamurai.com/never-contribute-to-roth-ira/ [...]
Tue, Jun 29, 2021, Continue reading at the source
QinetiQ is the UK's leading defence evaluation and research company. It's listed in the FTSE 250, has paid a dividend for many years and operates in an industry that is usually quite defensive. At a high level QinetiQ has a good track record of growth, consistency, profitability and no debt. That all sounds good, but […] [...]
Thu, Jun 24, 2021, Continue reading at the source
The housing market is hot, hot, hot! Even though I think with 80% certainly that the housing market will continue to go up every year for the next three years, there's still a 20% chance it could correct. Let me share what happens if you buy a home at the top of the market. If you decide to buy today, make sure you following my 30/30/3 home buying rule! Posts: https://www.financialsamurai.com/what-if-you-buy-a-home-at-the-top-of-the-market-and-a-recession-hits/ https://www.financialsamurai.com/three-home-buying-rules-for-all-to-follow/ https://www.financialsamurai.com/why-the-housing-market-wont-crash/ [...]
Tue, Jun 22, 2021, Continue reading at the source
In this half-year review I outline my portfolio's performance, take a brief look under the covers and run through each major buy or sell trade of the last few months. A new name and a new all-time high I'll get the gritty details out of the way first. After ten years I've decided to change […] [...]
Wed, Jun 09, 2021, Continue reading at the source
Diversification is a decent principle with bank accounts and the like, particularly given the tendency of financial organisations to freeze people's accounts without due process due to the money laundering regulations. Then there's the Madoff risk of the unknown unknowns cratering a business. So much to worry about. 1+1 redundancy is a good principle in … Continue reading "The Coming Gilded Age and Vanguard's mustelid indigestion" [...]
Tue, Jun 08, 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
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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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