Good Reads

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What caught my eye this week. This year has already had more groundhog days than a count among my peers of the top five Bill Murray movies of all-time – but the last few days have really ladled it on. It was all so six months ago! Johnson at the dispatch box like a kabuki Churchill. Rishi Sunak promising unprecedented state support to applause from the center, anger from the left (not enough!) and anger from the right (far too much!). An eye across the Channel for a sneak preview of what's up next. R higher (a little) and the market down [...]
Fri, Sep 25, 2020, Continue reading at the source
Plug Power is a US-based leader in the field of hydrogen fuel-cells. The company has been around for 20 years and was one of the first to commercialise hydrogen fuel-cell technologies and establish markets for various applications. It has developed a range of scalable hydrogen solutions for both mobile and stationary applications. Some high profile customers include the supermarket chains Carrefour and Walmart, BMW, IKEA and also Amazon. The company manufactures fuel-cell engines for e-mobility and provide back-up hydrogen infrastructure which provides sustainable power solutions for companies looking to transition towards a more low carbon business model. Applications include [...]
Fri, Sep 25, 2020, Continue reading at the source
Bluefield Solar (BSIF) was added to my SIPP portfolio in March 2019 and I topped up during the Covid sell-off earlier this year. It's initial focus was purely on solar power in the UK but in July the Company resolved to broaden its focus to include up to 25% in other forms of renewables such as wind and also energy storage and also expand overseas. They have recognised that storage of renewable energy will become a vital part of the transformation towards net zero emissions over the coming years and I certainly think this is a smart move. [...]
Tue, Sep 22, 2020, Continue reading at the source
ISAs and SIPPs are the building blocks of FI wealth.
This is part six of a series on how to maximise your ISAs and SIPPs to achieve financial independence (FI). I put this series on hold when coronavirus gripped the world but it doesn't look like the pandemic is disappearing any time soon. Life marches on so let's pick up where we left off. Where was that exactly? Right here: Part one laid out why you need to juggle your ISAs and SIPPs if you're to retire early. Part two investigated why the tax breaks favour personal pensions over ISAs. Part three showed the simplest way to divide your stash between your ISA and SIPP. Part four dealt [...]
Tue, Sep 22, 2020, Continue reading at the source
Summary Xaar is a relatively young and small leading-edge technology business which I bought in mid-2018 It's a good example of how excessive R&D in highly cyclical businesses can produce bad results I sold because a 90% increase in Xaar's share price since November means the company is no longer obviously cheap Although Xaar was […] [...]
Tue, Sep 08, 2020, Continue reading at the source
It's been one hell of a year so far, with some massive changes already happened and a few even more massive ones on the horizon but I'll save that for a later post. I think it's important to keep track of your networth, without doing so you'd be unable to calculate once you have ‘enough' and risk wasting years working for additional income you have no need of. I'll admit to being pretty lax on this recently, hopefully a minor... Read More Read More The post September 2020 Networth Update appeared first on Early Retirement Guy. [...]
Sat, Sep 05, 2020, Continue reading at the source
What is the right amount of money to give our adult children while we are alive without spoiling the heck out of them? What is the right amount of money to leave our children after we die? I've developed a logical framework to maximize our giving and supporting of our family. See the post here. [...]
Tue, Sep 01, 2020, Continue reading at the source
Since the Dawn of Mustachianism in 2011, the same question has come up over and over again:“MMM, I see your point that index fund investing is the best option. But when you buy the index, you're getting oil companies, factory farm slaughterhouses and a million other dirty stories. How can I get the benefits of investing for early retirement without contributing to the decline of humanity?” And in these nine years since then, the movement towards socially responsible investing has only grown. Public pension funds have started to “divest” from oil company stocks, and various social issues like human rights, child [...]
Sat, Aug 22, 2020, Continue reading at the source
In this 4,000-word investment review I look at Jupiter Fund Management PLC, a self-described high conviction active asset manager. Summary Jupiter is a leading active fund manager focused on equity funds for UK retail investors sold through financial advisers Assets under management have grown fairly consistently for most of the last 35 years Profitability is […] [...]
Thu, Aug 20, 2020, Continue reading at the source
It is August, California has recorded the hottest temperature on Earth at the aptly-named Furnace Creek. I just can't imagine 54 degrees. I went there in 1993, and overheated my rental Grand Am in the 1500 meter lift up from Zabriskie Point through Daylight Pass, with the heater flat out and all the windows open. … Continue reading "winter is coming" [...]
Thu, Aug 20, 2020, Continue reading at the source
The 4 percent rule is outdated. It was established in 1998 when the 10-year bond yield was at ~5 percent. Of course you're never going to run out of money withdrawing at 4 percent when you can make 1 percent more risk-free! Follow the 0.5 percent rule instead for a safe withdrawal rate in retirement. Follow the times or suffer the consequences. Read the post here. [...]
Mon, Aug 17, 2020, Continue reading at the source
“Success can get you to the top of a beautiful cliff, but then propel you right over the edge of it.” As a Mustachian, there's a good chance that you are a bit of an overachiever. Maybe you fought hard to get exceptional grades in school, or perhaps you have always dominated in your career or your Ultramarathon habit or your hobbies – or maybe all of the above. In the big picture, this usually leads to having a “successful” life, because of this basic math: Traditional Success = How much work you doxHow much society happens to value your work The Nitty [...]
Tue, Aug 04, 2020, Continue reading at the source
Funny old game, really. One of the really big issues in the UK causing much bellyaching is the recently imposed quarantine requirements for returning from Spain, along with the usual gormless whinging about will I get paid. Err – no. Like when volcanic ash stopped flights a while back, you don't get paid for the … Continue reading "holidays in the sun are not a human right, people" [...]
Wed, Jul 29, 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
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 almost £12,000 back in September. It's been an interesting year with an obvious reduction in sports offers, thankfully I've replaced many of these losses with... Read More Read More The post 2019 End of Year Networth Update appeared first on Early Retirement Guy. [...]
Sat, Jan 18, 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
Take me back!
I've made a terrible mistake! I quit my job about a year ago. My last day was April 17th, 2015, to be exact. At this point I've got close to twelve full months of my new life under my belt. That's plenty of data, if you ask me. And it's become clear that, beyond the shadow of a doubt, the dream of early retirement more closely resembles a nightmare. The Experts are Lying to You We all know about Early-Retirement gurus like Mr. Money Mustache and that supposedly nice young couple at GoCurryCracker. They tell us to spend less and save a lot of [...]
Sat, Apr 02, 2016, Continue reading at the source

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