Good Reads

Last year I made a start in aligning my portfolio towards my values and lifestyle with a re-jig of my portfolio away from oil and gas and introducing new additions such as TRIG, Bluefield Solar and Foresight Solar. In May I topped up my holdings in Orsted and BG Positive Change and also decided to add this large renewable infrastructure trust to my green portfolio. The recent share offering raised an additional £375m and UKW is the largest renewable infrastructure trust with a market value in excess of £2bn and a constituent of the FTSE 250.The trust has a fairly [...]
Sun, Jul 21, 2019, Continue reading at the source
My Brother Wax Mannequin, training the next generation of workforce last summer. Way back in 2015, I had a nine year old boy. Even back then, I could see him showing some early flashes of adulthood and maturity, and it got me wondering about his future as it relates to money and freedom. So I wrote a post called What I'm Teaching My Son About Money, which shared some ideas about how we can raise our next generation of kids to be happy masters of money rather than the stressed-out slaves that most people (even those with high incomes) are today. And [...]
Sat, Jul 20, 2019, Continue reading at the source
Another year has passed for our UK early retiree. A year ago I wrote that in the worlds biggest economy, the United States, Donald Trump was starting trade wars and the S&P500 cyclically adjusted price earnings (CAPE) ratio was sitting at 32.0 against a long run average of 16.9. A year on it's almost déjà vu with the trade war with China still rumbling along and the S&P500 still on a high 30.4 [...]
Sat, Jul 20, 2019, Continue reading at the source
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What caught The Detail Man's eye this week. I have long thought that the traditional concept of retirement needs to be put to bed. So I was heartened to read a thoughtful discussion in the Financial Times on what it means to be retired in today's world: If ever there was a word that needed to be retired it's retirement. What kind of mental picture does this word conjure up for you — sunny beaches and no longer having to set an alarm clock? Or a stressful feeling about how much longer you will need to work to afford such a lifestyle? Just [...]
Sat, Jul 20, 2019, Continue reading at the source
Everybody wants to be a millionaire! Alas, only about 12 million households, or 3% of the U.S. population are millionaires. Here's a deep dive look into your chances of becoming a millionaire by age, race, and education. I firmly believe every Financial Samurai listener will be a millionaire in their lifetimes. See this post for detailed charts and graphs. [...]
Thu, Jul 18, 2019, Continue reading at the source
I have held this UK-focused investment trust in my portfolio since 2011 and have been more than pleased with the performance, returns and increasing flow of dividend income over the past 8 years. The start of 2019 has been no exception with a return of over 20% in the past six months.However, alarm bells started to ring over the recent suspension of Neil Woodford's flagship £3.5bn Equity Income Fund and the relationship between a star manager and brokers Hargreaves Lansdown. Many thousands of ordinary investors in the fund have seen the value of their holding fall, a reduction in the [...]
Wed, Jul 17, 2019, Continue reading at the source
As more people look to retire early before 60, more people are looking for shortcuts in order to get to early retirement quicker. What I've noticed is that more people are willing to live in abject poverty or near poverty just to do so. I've crunched the numbers in this episode and post to show you how large of an investment portfolio you need to live poorly. The numbers are based off the official Federal Poverty Limit. [...]
Tue, Jul 16, 2019, Continue reading at the source
Personal Finance is a major hobby of mine. I've now been absorbing everything I can about saving, investing and financial independence since late 2007. In November this year I will have also been blogging about it for 10 years! When I go on holidays I'm also the one reading Wall Street Revalued and not that latest John Grisham novel In my last post I mentioned the Ikigai model and if I [...]
Sun, Jul 14, 2019, Continue reading at the source
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What caught my eye this week. Surprise! For reasons still not clear to me, The Investor has handed me his beloved babe – Weekend reading – for a special guest edition. Before you collectively drop your monocle in your soup, have no fear. I'll have a little joyride before safely parking back at Monevator Towers. That old skool reference leads me to what caught my eye this week: the trends that may end with the baby boomers. We're not short of examples writes Ben Carlson of A Wealth of Common Sense: Here are some other things that will likely go away for good with the [...]
Sat, Jul 13, 2019, Continue reading at the source
Three companies in the UK Value Investor model portfolio are currently facing huge amounts of negative sentiment. Their dividend yields are over 7% and there are obvious and entirely plausible reasons why each company might be about to cut its dividend. However, no dividend cuts have yet been announced (apart from a very tiny cut […] [...]
Wed, Jul 10, 2019, Continue reading at the source
Alice laughed. “There's no use trying,” she said: “one can't believe impossible things.” “Why, sometimes I've believed as many as six impossible things before breakfast.” The Queen, Alice in Wonderland Ah, the lazy days of summer, when everyone has cleared off on their hols to spend precious time with their li'l darlings. Tumbleweed in the office, where usually there was an Ermine and a few other diehards to be found, ‘cos what person in their right mind would go on holiday when every other bastard is doing it, raising prices and infesting the joint with their squealing kids little angels and miscellaneous hounds. [...]
Mon, Jul 08, 2019, Continue reading at the source
Vodafone was one of the first companies to join the UK Value Investor model portfolio way back in 2011. At the time, Vodafone was a steady dividend growth stock with an attractive 5.5% dividend yield; but much has changed since then. The company itself has changed, following the 2013 sale of its 45% stake in […] [...]
Fri, Jul 05, 2019, Continue reading at the source
Has anyone else noticed as you get older time seems to fly passed with an ever-increasing speed? It doesn't seem that long ago that I last wrote a massive update on here and yet looking back it's actually been over 6 months. Alot has changed in that time so perhaps now is as good as The post Summer Networth update appeared first on . [...]
Fri, Jun 21, 2019, Continue reading at the source
This post is partly about the eponymous movie, featuring outgoing FIRE exponents like MMM. It will be shown in Birmingham on the 5th of July, well done Cashflow Cop for getting this shown outside the Great Wen. But I couldn't help thinking about the other meaning, too… The Ermine is an introvert1, so I fought the FI battle as a loner. For sure, I learned from other people – Monevator for how and sort of why2, Early Retirement Extreme for why though not so much how, I was too old and too wedded to some creature comforts to live the ERE [...]
Thu, Jun 20, 2019, Continue reading at the source
Like you, I am pretty much resigned to the fact that I'm going to have to buy a Tesla at some point. I can tell because I have read every last scrap of Tesla news and inadvertently memorized every last technical detail about the company and their cars and energy storage systems that has ever been printed or YouTubed. Since about 2012. When this happens to me for any product, whether it's a new laptop or a different vehicle or a house in a certain neighborhood, I usually end up buying it. The purchase tends to happen when the list of [...]
Wed, May 08, 2019, Continue reading at the source
It seems life over the past year or so has been chugging along like an old steam train passing through the vast plains of the old American west. Occasionally it might approach a bend, or need to stop at a dusty wooden built town, but inevitably the steam cloud starts rising again and onward the The post Well now, this changes everything appeared first on . [...]
Wed, Dec 19, 2018, Continue reading at the source
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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
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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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