Why Everyone Needs Financial Freedom – When Catastrophe Strikes


Financial freedom is important. But not many people seem to realise it. Even if you have no intention of escaping the rate race and quitting your job, I would argue that everyone needs to earn enough passive income to cover their expenses. For who knows, your world as you may know it might end tomorrow just by one silly or reckless mistake.   Think this is impossible? Just look at the anchor woman fired over a Facebook post. The man let go from his apprenticeship at a Cleveland-area real estate firm after a tweet. The women fired from her job before she even starts it after a tweet. And the […]


What I Have Been Reading – July 2019

Compounding [A former cop] acquired properties for next to nothing—“Nobody wanted them,” he said—and now owns about 1.3 million square feet of buildings and another 385,000 square feet of undeveloped land in Brooklyn, mostly in Red Hook. O’Connell, 77, said he doesn’t track the value of his holdings, but Bloomberg estimates they’re worth at least $400 million. bloomberg.com Economic Moats No matter how good you are, if what you’re doing is very profitable, others will copy you and will be “good enough” to impinge on your game. Which is why the best investments are those with moats – companies that are so good at something that their abilities and assets […]


July Stock Purchase – Benefits Of Monthly Stock Purchase Programme XPP ABF

After the lull of May and June, this past month has been a busy one on the stock purchase front. I have so far bought a total of 5 shares in July. Even though markets have propelled higher from the lows seen earlier this year, there are a number of interesting opportunities currently available in the small cap space. It seems that with the current macroeconomic ongoings, investors are leaving small British companies for dead. Investors are pricing in worst case scenarios for some of these stocks. And this is where as a private investor I can simply take my time, look at the various opportunities and pick the stocks […]


My Ghost Ship Pension Portfolio – Coffee Can SIPP

In early 2017, I moved an old pension scheme from an underperforming high fee company to a platform where I could invest the money myself. The idea was that I would be able to outperform the high fee company by producing superior returns and letting my money compound at higher rates in order to have a higher pension value when I retire.   Since the move, I have been patiently buying up high quality companies. I can happily say that this past week I was able to deploy the full amount of money I was transferred. Yes it has taken me two and a half years to do this! There […]


Second Quarter 2019 Dividend Income!

The last month and half has been extremely busy. With work, the good weather and all the sport, I have hardly had time for this blog. This has clearly shown by the lack of posts on this site. Hopefully I will get back into routine and start posting regularly again. For now, I just want to drop a quick post highlighting the amount of dividends I received over the past three month. So without further ado…   My dividend income for the months April, May and June 2019 amounted to £790. That is a hell of a quarter if I might say so myself.   Considering I made £538 over […]


How Much Should You Have Saved By The Time You Reach 30

The big 3-0! Most people hate leaving their twenties and hitting the three decade mark. Many see 30 as the official mark to becoming an adult. It is when you need to take on responsibilities and start thinking about life’s bigger financial problems – housing, raining a family and retirement. So with the thirties being a big decade for your finance, how much should you actually have saved by the time you reach the age of 30?   According to one of the word’s largest investment firms – Fidelity – people need to have an equivalent of a years worth of salary in their savings by the time they hit […]


Private Real Estate Vs REITS – Best Property Returns

We Brits love real estate. I know many people who invest in property but would never touch another asset class. There is something about real estate that draws people in. Whether its tangible properties, high current income, long-term appreciation potential or inflation protection properties, people just love to invest in real estate. Its almost becoming an obsession. Whilst many people want to invest in property, they want to know what is the best way to do so. Should they invest in buying properties outright on their on or should they use real estate investment trusts which are listed on the stock exchange. What are the historical returns? This article will […]


Reaching £3500 in Dividend Income

Another milestone hit. Another reason to celebrate.   Eagle eyed readers would have spotted the crossing of this milestone.   In a recent post covering my latest purchase of Imperial Brands, I mentioned that my ISA portfolio has just crossed over the £3,500 mark in dividends.   It is an awesome feeling. To know that I make close to £10 a day for doing absolutely nothing is simply amazing.   Never would I have thought when I made my first dividend purchase that I would reach this milestone so quickly. That purchase only brought in £135 in annual dividend income a year. I could have looked at this paltry amount […]


The Average UK Worker Can Retire With a £1 million Pension Pot

Aviva, the insurer and pensions provider, says that millions of people earning less than £27,500 risk facing retirement on a pension far less than £15,000, which is the equivalent of the national living wage today.   And Aviva isn’t the only insurer and pension provider with this damning statistic. A number of pension companies have warned that millions of people are at risk of retiring on incomes far less than the current national living wage. This is a damning statistic. In short Britain appears to have a retirement crises. The destruction of defined benefit pension plans did nothing to help this.   Yet I still think most people can retire with a […]


The Average UK Worker Should Be Able To Save £10,000 A Year

When it comes to our savings, one thing’s clear – 1 in 3 Brits are living dangerously close to the edge. The Money Advice Service recommends keeping three months’ essential outgoings in savings to cover an emergency or unexpected bill. However, just under a third of people in the UK have less than £1,500 in the bank, and 15% of people have no savings at all.   In fact, there is an even more damning statistic. Over half of Brits do not add to their savings on a monthly basis.   Looking at the above, it may seem impossible for many to save £1,000 a year let alone £10,000.   […]