Category Archives : Practical Advice on Investing

Articles on the practical aspects of investing. Articles show where to put your money. If you want to know how to invest, look at the Investing Theory sub menu


Phyllis A Stone – Secret Buy & Hold Dividend Millionaire

Phyllis A. Stone was a typical New Yorker. There was nothing special about her. She wore frumpy house dresses, drove a beat-up old Chevy Cavalier, lived modestly in a two-family house and frequented her local church. A friend of hers described her as “an average person and a lovely lady who was not at all ostentatious.” She was ordinary in all sense of the word, except, she had one astonishing secret. That secret would only be reviled upon her death. When Phyllis Stone died at the age of 91 in 2013, the beneficiaries of her will got a shocking surprise. Phyllis Stone was a millionaire. To be specific, Phyllis left […]


Secret Buy And Hold Millionaire Investors

When it comes to investing, evidence and concrete numbers are everything. Nothing beats the hard facts. It may be one thing for me to write about achieving financial freedom using dividend growth investing. But can this strategy work in practice. Does buy and hold investing work in the real world. Can you become a millionaire by simply buying and holding high quality stocks. The stories of everyday buy and hold investors will help answer these questions. If you pay attention to the news, you end up finding enough clues to uncover some of the secret stock market millionaires; the folks who weren’t watching Bloomberg worried about this quarter’s GDP growth, […]


Patience in Public Markets Is Key – Creighton’s and RWS Holdings PLC

A few month ago, I bought shares in both Creightons and RWS Holdings PLC. I bought shares in Creightons for 29.5p a piece and RWS for 374p a piece. Subsequent to my purchase, the shares prices of both companies fell due to poorly received trading statements. But I was calm. I knew the market had overreacted as it has done many times over the past 2 years. Creightons fell to19p. RWS fell to 350p The fall in share price for Creightons in particular baffled me. Creightons trading statement indicated that margins might be lower than expected due to having to outsource production due to business being better than expected. Yes […]


How To Make Investments In The Stock Market – Easy Step By Step Guide

I know many people who would like to invest in the stock market but don’t know how. They want to know how to open a stock brokerage account. How to purchase shares like BP, Apple or Disney. How to collect the dividends owed to them. This article will give a step by set guide on how to buy and sell shares.   Open An Account With A Stock Broker / Investment Platform. In order to buy and sell shares you need to sign up with a stock broker / investment platform. Most investing is done online these days and all the best stock broking platforms can be found online too. […]


Averaging Down On A Stock Requires Mental Strength And Conviction 


I have made it no secret that I like to buy shares when prices go down. Just like you would get excited for when those trainers you were admiring go on sale, I feel the same when it comes to shares in quality comes. When prices go down, I am able to buy more shares for the same amount of money. And more shares mean more dividend income. If prices go down further from the point at which I made my investment, I would be inclined to add to this position. Just look at my investment in Shire PLC. I first initiated a position at £44 a share. After my […]


Who Does The Money In Your Investment Account Belong To – Beaufort Securities

In private investor circles, the main talking point this year has been the scandal surrounding Beaufort Securities. It has left many investors asking the question “who does the money in my investment account really belong to?” Background to the Beaufort Securities Scandal On 2 March 2018, the Financial Conduct Authority (FCA) declared Beaufort Securities Limited (BSL) and sister company Beaufort Asset Clearing Services Limited (BACSL) insolvent. Following this, PricewaterhouseCoopers (PwC) were appointed as administrators. PwC have estimated that it’s fees for administration would be in the region of £50million to £100 million. This amount is truly astonishing. But that is not the scandal here. The scandal is that PwC want […]


A £450,000 Unilever Stock Portfolio

One of my favourite times of the week is to read emails sent in via the contact form. Yes, I do read each and every email even though it may take me a few days to reply. One of the emails I received recently was from Thomas C who mentioned that he was a long time reader of this site. Tom’s letter was particularly interesting as he wrote in to tell me that he had built a six figure Unilever position over the years to the point where he is now able to withdraw dividends to fund his needs. In his letter to me, Tom mentioned that he had managed […]


Vodafone PLC Stock (VOD) – What A High Yield Stock Can Do For You.

The past week has seen Vodafone PLC trade at a 7% dividend yield. For every £1.83 share you purchase, you get £0.14 in annual income. Put another way, if you buy £1,830 worth of shares, your annual income is expected to be £140. Although the dividend is expected to to rise in the next year, let’s assume that the annual dividend income remains at last years level of £0.15 (in the interest of conservatism). Provided the dividend remains steady, each share of Vodafone purchased today stands to collect £0.28 in total, cumulative dividends over the next two years. Why is that important from a principal protection standpoint? Because it only takes […]


Fidessa Plc – A Takeover Approach Of An Increasingly Rare Serial Compounder Of Wealth

This past week Fidessa Plc – a company I have been buying shares in via my monthly stock purchase programme – received a takeover bid from Temenos for a total value of £36.467p a share. The shares in the company consequently shot upas a result of he takeover bid and are now trading at £38; a price above Temenos bid price. The reason for the shares shooting higher than the bid price is due to heavyweight investor Elliot disclosing an increased stake in Fidessa implying that the current takeover price undervalues Fidessa. Elliot normally gets what they want – just look at how Qualcomm increased their bid for NXP semiconductors […]







RWS Holdings PLC Stock Purchase – Buy Quality Companies During Market Selloffs 1

What just happened this past week? After a year and a half of smooth sailing, volatility reeked havoc in the stock market this past week which resulted in huge fluctuation in stock prices. For investors with cash on the sidelines, it provided a good opportunity to ‘buy the dip’ and buy certain shares at 10 – 15 % off. I do admit that I was a little slow in reacting to the initial sell-off as there were a number of shares offering attractive valuations. But thankfully I was able to pull the trigger and buy myself shares in a company I have been following for a long time now – […]