Good Reads

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What caught my eye this week. I got the call to be vaccinated against Covid this week. I admit that being in the midst of reading about super-rare blood clots linked to certain Covid vaccines at the exact time didn't fill me with joy. But as Tim Harford says in the Financial Times: An educated guess, based on UK data, is that being vaccinated with the AstraZeneca jab carries a one-off risk of death of one in a million — not much higher than the risk of dying in an accident while travelling to a vaccination clinic. Compared to all manner of sacrifices and [...]
Sat, Apr 17, 2021, Continue reading at the source
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Sat, Apr 17, 2021, Continue reading at the source
Two months ago I wrote a long article about Discounted Dividend Models and how I've started to use them to value companies. I then added a template to my investment spreadsheet so I could quickly build a standardised dividend model for any company which I could then refine and expand upon later. After that I […] [...]
Thu, Apr 15, 2021, Continue reading at the source
I am super happy to welcome back Lars Kroijer for another investing Q&A. This is a collaboration between Monevator and Lars' own YouTube channel. All the questions below come from Monevator readers. As before, Lars' answers in both video and edited transcripts. Note: embedded videos are not always displayed by email browsers. If you're a Monevator email subscriber and you can't see three videos below, please head to our website to view this Q&A with Lars Kroijer. What's the case against dividend stocks? We start this time with a question from Ray. He is in the de-accumulation phase, but he's still looking for a [...]
Thu, Apr 15, 2021, Continue reading at the source
Well, what a dramatic year. We went into a global lockdown last March, eased up during the summer months and then we were hit by a deeper second wave during the winter months as new cases rose exponentially, hospitals were severely stretched and deaths here in the UK rose to over 125,000. Clearly we have experienced a global pandemic crisis which has a social impact not seen since the second world war. This experience will remain long in our memory banks. Naturally there has been volatility on the markets, especially the initial shock. In March last year the FTSE saw [...]
Thu, Apr 01, 2021, Continue reading at the source
Mrs Ermine and I recently celebrated a year of lockdown with a bottle of wine. A strange year, but there's something to celebrate, which is that we are still here. I will drink to that. This is one that a lot of the the rich world got wrong, ballsed up in spades, with the UK … Continue reading "coiled spring – or cautionary tale – a strange year" [...]
Wed, Mar 31, 2021, Continue reading at the source
“A Nation Which Forgets Its Past Has No Future” Those were the words on a 20-foot-long banner that “Mr. Slick”, my high school history teacher, kept carefully pinned across the width of his classroom for the entire four years I had classes with him. “That makes no sense at all”, I thought to myself when I first read it at age fifteen. “The past is just a fuzzy black-and-white era, with big crude steam-powered factories and tragic wars with brutal low-tech weapons. The future is a land of ever-glossier technology and a peaceful society like the one I'm sitting in today.” It was [...]
Fri, Mar 26, 2021, Continue reading at the source
This exchange traded fund gives investors an opportunity to invest in a range of globally diverse companies involved in renewable energy. It is an index fund and tracks the S&P Global Clean Energy Index which is made up of 30 of the worlds leading companies in the clean energy sector. Why Clean Energy? It is estimated that at least 50% of the world's energy will come from renewables such as solar and wind by 2050. This compares to around 7% just 6 years ago. In order to implement the Paris Agreement and limit global warming to well below 2C, governments [...]
Mon, Mar 22, 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
Let's discuss the absolute biggest negative of paying down your mortgage early. Here are all the negatives of paying down your mortgage early as well. [...]
Tue, Mar 02, 2021, Continue reading at the source
Last Updated April 12, 2021 As a value investor I've spent most of the last ten years valuing companies using valuation ratios such as dividend yield and the cyclically adjusted price to earnings ratio (CAPE or PE10). However, I now think such backward looking ratios are inferior to the more theoretically correct Dividend Discount Model […] [...]
Fri, Feb 12, 2021, Continue reading at the source
Are you wondering whether the stock market is in a bubble due to all the mania surrounding Gamestop, AMC Entertainment and more? Let's discuss what happened during past manias and the last time hedge funds lost billions of dollars of their client's money. [...]
Mon, Feb 01, 2021, Continue reading at the source
So, I kind of just bought the house next door to me. We've already gotten straight into the renovations with a symbolic first step: a new front door. This is already somewhat amazing, for a small-town boy who refuses to even buy himself a new car. But even stranger are the details that surround this deal: I'm not moving into it.I don't really need or want a second house.I have no long-term plans to be a landlord.I made the decision on a whim, and the whole transaction only took about 45 minutes of actual work.I paid “cash” for the house, avoiding [...]
Fri, Jan 29, 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
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
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 so that I've neglected to update this site for many months. I maintain my view that good personal finance is boring as hell and I'm... Read More Read More The post 2019 A Year in Review appeared first on Early Retirement Guy. [...]
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

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