Corporations Don’t Pay Corporate Tax – Individual Consumers Do

Having worked in the finance department of a multinational organisation,I assumed that it was common knowledge that individuals as opposed to companies foot the bill for Corporation Tax. But judging by my social media accounts over the past weeks, it seems that most of the public fail to realise this. I have heard arguments that increasing corporation tax will benefit society as companies will have to pay more. Yes, the government will collect higher taxes from a higher corporation tax but the ones who be paying this higher bill is people like you and I as opposed to companies. To put it in the simplest of terms, any company that […]


What The Election Means For Your Personal Finance And Investments – Conservatives, Labour, LibDems

The election is finally upon us. Truth be told, I can’t wait for the vote to be over. I have had enough of political ramblings, back and fourth verbal assaults by parties and everyone on my social feed thinking they are political experts. The aim of this post is to give a quick rundown of the personal finance changes each party is proposing. Whilst different parties have put forward different proposals, what I will say is no political party is going to change your personal circumstance or your position in life. Only you have the ability to make your life better. It always annoys me when people blame their struggles […]


May Stock Purchase – GSK, SHP and The Importance of Income 4

The month of May continued to see markets at record highs. For someone like me who is in the asset accumulation phase of their life cycle, this is terrible news. This is because I don’t like paying top price for ownership stakes in companies. I or anyone else for that matter who has a long time horizon in front of them should wish for languishing markets so that we get the most bang for our back – we get more shares for the same amount spent. Unfortunately the persistence of low interest rates by various central banks has meant stocks are at record highs and I need to pay up […]


Are Brands Really A Competitive Advantage?

When it comes to analysing businesses, finding out if a particular company you are interested in has an economic moat (or competitive advantage) is one of the most important things. This is because firms with economic moats are able to earn outsized profits for long periods of time due to mean reversion not really affecting them. There are a number of economic moats to look for and if a company has one of these, you can be sure that the company in question will continue to earn higher than normal profits for a long time to come. One of the most common economic moats people look for is ‘Strong Brand […]


Imperial Brands (IMB) Stock Purchase – Topping Up On an Existing Position By Exiting Dunedin Income Growth Trust

Imperial Brands (IMB) is a company I talked about glowingly a few months ago when I first purchased shares in it. It is easy to see why. The company has strong free cash flows, a recession resistant business model, a disciplined capital strategy and a history of double digit dividend increases which look like they are only going to continue. But for all this blue chip’s strength it is often overlooked by many an individual investor. This is because Imperial’s biggest money spinner is tobacco and people are averse to owning tobacco-related shares for obvious ethical reasons (I have written about ethics and investing before so have a look there […]


10 Cheap Stocks To Buy Using Different Valuation Metrics 4

Everybody loves to spot a bargain and investors scouring stocks are no different. But what many new investors fails to understand is that there is a difference between shares which are ‘cheap’ and those which offer genuine value. To help in identifying undervalued stocks, there are a number of ratios to look at. In this article, we will see which shares are cheap based on P/E ratios, PEG ratios and Price to Book ratios 1. Price to Earnings Ratio (P/E) P/E Ratio = current share price / earnings per share If Company A currently has a share price of 100p and is forecast to generate earnings per share of 20p […]


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 […]