How Would Labour Nationalise National Grid, Energy, Rail, Mail and Water Industries. 1

Election 2017 fever is in full swing. Over the past week, all the major parties have released their manifestos. The manifesto which has caught the eye of most people is that of Labours with its radical plan of borrowing heavily to spend on welfare and pre-existing infrastructure. They key word here being pre-existing as Labour want to nationalise the National Grid along with the energy, rail, mail and water industries. Now I wouldn’t mind a government borrowing to invest in new insfustructure but in this case Labour wants to borrow to buy out infrastructure that already exists. But I digress and that is a topic for another day. In this […]


Snapchat IPO, Millennials and the Investing Lessons Learnt

It is common knowledge that millennial’s don’t invest as much as previous generations. There is a plethora of reasons for this with the most common being debt (student loans), stagnant wage growth and fear of another 2008 style crash. But this all seemed to change two month ago with the Snapchat IPO – millennials got excited about investing in the stock market for the first time in a long time. The following comes from the USA Today just a few days after the company went public in early-March: “Millennials have largely stayed out of the stock market, held back by student loans, recent memories of the last crash and financial […]


Take These Steps To Enjoy A Tax-Free Retirement

The thought of being hit with hefty taxes when you enter you reach retirement is a bitter pill to swallow. But there are ways to legally reduce taxes in your golden years. You can actually generate a six figure tax free income if you start planning early and make use of the tax wrappers and allowances that are available. Here are a 5 steps to consider if you want to have a tax-free retirement. Step 1: Personal Allowance The first allowance to make use of is the Personal Allowance. Anyone earning less than £100,000 a year can earn £11,500 tax-free. In essence this means that the first £11,500 you receive […]


Saving Money Is Good For Your Psychological Wellbeing 1

Copious consumption. This seems to be the trend at the moment. Everywhere I look I see people spending money frivolously. Always updating to the latest version of a smartphone. Always wanting to stay in fashion by buying this seasons clothes. Always wanting a newer car. Always wanting to keep up with the Joneses. Now I am not against consumption. As long as you pay cash, I am fine with that. But that is not what is happening here. All this consumption is being driven by debt as opposed to money people actually have in their bank accounts. This is a worrying sign and it has has led to debt levels […]


GlaxoSmithKline (GSK) Stock Purchases – Pound Cost Averaging My Way In To This Healthcare Giant 1

When I first decided to become a dividend growth investor, GSK is one of the first stocks I looked at. The company met the criteria beginner investors should look for. Namely, GSK has strong Free Cash Flow, a bullet proof balance sheet, good returns on capital (12%), strong returns on equity (15%) is an easy to understand business,has stable and predictable growth, has economic moats in its consumer business and it pays a hefty dividend. What also swung me to looking at GSK was the number of income fund managers holding this stock in their portfolio thus showing that the company is highly regarded in the wealth management world. The […]


CommuterClub Review – How To Get Discounted London Underground Train Tickets and Save Money

As the famous saying goes ‘nothing is certain but death an taxes.’ It seems that we now can add a third item to the list, increasing train prices. It simply amazes me to see how rapidly train prices go up every year. And with every passing year, more and more of my hard earned money goes towards paying higher costs on the underground. The only way to reduce your travel is to buy an annual ticket which are usually priced at a discount of 15-30% compared to tickets that are bought on a monthly or weekly basis. But let’s face it, no one has the money to pay over £1,000 […]


The Only Way For Individual Investors To Outperform Is To Increase Time Horizons

A few weeks ago I read an investment write-up on a large-cap blue chip stock that is one of the largest and most followed in the FTSE 100 There was a comment that basically asked the following question: “What is your edge with this stock?” The implication of this question is that there isn’t any edge to be had with stocks of large and well followed companies, but there is an edge to be gained with small, under-followed stocks. The commonly held view among value investors is that you need to seek out stocks that are under-followed, in hopes of gaining bits of information that the market is not currently […]


Best way to Teach Kids about Money, Business and Personal Finance Using Videos Made By Warren Buffet

Every responsible parent knows the importance of teaching their children about personal finance. If kids can learn about the importance of budgeting, how money can make even more money, the power of passive income and the power of compounded returns at a young age, they are sure to go through life on a steady financial grounding. The problem is most children are not interested in the finance related topics at a young age. They hardly like maths and english at school and I don’t think the subject of personal finance would be any different. The Best Way To Teach Your Children About Money – Secret Millionaires Club The best way […]


April Stock Purchase – GSK, ABF, PZC, SGE, INF

There is only one place to start this post and that is the snap general election called by Teresa May. What surprised me the most was a lack of volatility in the wake of the announcement. Sure the pound surged to a yearly high and stock prices in overseas earning companies dropped, but besides that, markets were relatively calm. It appears as though the markets like a political shock for once. But this may be because everything points to the conservatives being elected with a substantially increased majority – which will give the government a firm mandate and put it on a steadier, more solid grounding as it begins the […]


Power Of Compounding Money Illustrated – Best Motivation To Start Saving Money Today 1

Let’s face it, saving money is hard. If it were easy, everyone would be able to do it effortlessly. We are conditioned to spend money today instead of saving and investing it so we can have more money in the future. For many people, savings must be forced. One way of doing this is by automating your savings so that 10% of each paycheque goes directly into your savings account. Whilst this is a great method to build up your savings account, I don’t like saving and investing money to be forced upon someone. I want people to actually want to save money. I believe that if people learn about […]