10 Different Types Of Competitive Advantage / Economic Moats To Look For To Outperform When Investing

When it comes to investing, most analysis is based on quantitive data. Investors look at things like the balance sheet strength, profitability figures and valuation ratios. Whilst the numbers of a business are key to figuring out its financial health and how it has historically performed; you need to look at its strategy to see where it is going in the future. You need to assess how the company makes its money to see if its profitability figures are viable going forward. You need to evaluate the quality of a business to see if it is worth investing in over the long term. In economics, mean reversion is the theory […]


I Bought More BT Shares – Averaging Down On Your Existing Stock Position

BT threw investors a curveball this past month by stating that its Italian business is facing an accounting scandal which has caused the company to write off £530million. Whilst the headlines around the company were focusses around the Italian scandal, BT also reported a deterioration in the outlook for UK public sector and international corporate markets. This has sent shares crashing from 380p to 300p; a drop of over 20%. Readers of this website will know that I first initiated a position in BT in the summer of 2016 for a price of 397p. I subsequently topped up my stake through my monthly stock programme which brought my overall holding […]


Make Money Spotting Empty Properties Using youspotproperty.com

It is common knowledge that there is something seriously wrong with London’s housing market. Prices have risen rapidly over the past few years and are now out of reach for the typical working man. One of the reason for rise in property prices is due to supply restriction – they are too many empty houses in the capital. There’s hundreds of thousands of vacant, derelict properties sitting idle that could be turned in to homes. Most people are of the notion that the majority of empty properties are held by overseas buyers. But in reality, this is not the case. The more than  21,000 long-term vacant and derelict properties in […]


The 5 Models To Know If You Want General Worldly Wisdom – A list by Charlie Munger

Charlie Mungers philosophy on worldy wisdom is one of the best articles I have ever read. For anyone looking to be better than average, both in a stock picking sense and a wordly intellectual sense, I urge you to read the full article below. I would even go as far as bookmarking this page and having a re-read of the article every once in a while. It is that good. Below is a summary of the piece but do read it in its entirety to appreciate the full wisdom Charlie Munger imparts. Models to to learn for general worldy widsom: Mathematics – basic arithmetic and algebra, decision trees and the […]


January Stock Purchase – Buying Stocks When Markets Are High

It seems that my monthly stock purchase posts are becoming a little too predictable. I tend to always start by saying that the market seems overvalued right now. The reason is because I really believe it is so. Having said this, I need to constantly remind myself that just because the market is high does not necessarily mean that I should stop investing. I need to remind myself that I am not investing in the market, but rather in individuals businesses. Making money in inflated markets The S&P 500’s “CAPE” ratio (a stock valuation measure designed to smooth out earnings volatility) has only been this high or higher three times […]


Split Ticketing Websites – Where To Buy Cheap Train Tickets Online

As train tickets prices keep moving upwards, the popularity of split-tickets is on the rise. Split-tickets is where you buy two or more cheaper tickets for your entire journey instead of one direct ticket. For example, if you are travelling from Nottingham to Manchester, instead of buying a ticket from Nottingham directly to Manchester,  it would be cheaper to use split tickets by purchasing a ticket from Nottingham to Sheffield and Sheffield to Manchester. This way you can save on money than the more direct route. The best part is you don’t have to switch trains in Sheffield as the same train goes all the way to Manchester. Websites where […]


I made £1500 in Passive Income last year – This is how I did it 2

One of my new years resolutions for 2016 was to build a stream of Passive Income. Unlike most resolutions which are easily forgotten once the first week of January comes to an end, this was one I was determined to follow on. I needed to stop being broke and start being flush with cash. I knew that I had to buy more money. The reasons for wanting to get started on the passive income journey are simple. I wanted to earn continuous streams of money without having to do any work. I wanted to earn money whilst I slept, ate, socialised and played football. I wanted my bank account to […]


Let Capitalism Set You Free – Move from Employee to Owner

There seems to be an ever increasing tide of bias against capitalism. People are increasingly becoming of the view that capitalism doesn’t work. But what they don’t realise is capitalism has allowed people on benefits today to have a better quality of life than the richest man on earth 100 years ago. Think about this for a second. When capitalism took over communism as the default world economic mechanism we saw an unprecedented amount of technological and productivity improvement. Without capitalism we probably wouldn’t have cars, planes, mobile phones, the internet, costa coffee or much else that we love. When people talk against capitalism, they don’t mention the benefits it […]


Estee Lauder (EL) Share Purchase – Wonderful Companies Deserve High Valuation Multiples

Those familiar with my investment approach know that one of my key philosophies is to buy shares trading at a Price to Earnings ratio of under 20. Simply put, I do not like to overpay for stocks. It may thus come as a surprise that I purchased shares in the Estee Lauder company (NYSE:EL) whose shares trade at a P/E ratio of 24. No, I have not lost my mind! Neither have I thrown my investment thesis out f the window. Rather, I have bought shares in Estee Lauder due to its high returns on equity (ROE). To understand the concept of Return on Equity, have a look at the […]


How Do Equity Income and Accumulation Funds Work? Mutual Fund Investing

When it comes to investing in mutual funds or open ended investments companies (OEICS) as they are called in the UK there are many questions that spring to mind. What is the difference between income and accumulation units? how do I know how the fund will perform? Will a fund continue to earn the same returns the future as it did in the past? Hopefully, this post will aim to answer questions you have on mutual funds. Income Unit Funds Vs Accumulation Unit funds With equity income funds, you get the dividend paid to you. With accumulation funds, your dividends get automatically re-invested in said fund. Yes, you are able […]