This year has been an excellent year for investing in the stock market. The FTSE 100 is up 9% this year, the S&P 500 is up 22%, and things are looking great. In all honesty, the last ten years have been pretty amazing for me. Last year I made 24%, the year before 17% and …
Whether you’re just starting your retirement planning, trying to support your growing family or at the end of your career and need an extra income to bolster your savings, side-jobs can be the differences between a happy and sad retirement. Throughout my life, I’ve always had a full-time job and a side-job that helps to …
I’m not a millionaire, I don’t have a huge salary, in fact I’ve never made more than £50K in year, and neither does my wife, she earns about £37K year. We’ve also got two kids, a dog, a mortgage, a car loan and have two decent holidays, as a family each year. We live well, …
Saving money comes down to one thing, spending less than you earn each month, If you earn £1,000 and spend £800, you’ll save £200 each month. This £200 that you save each month, could be the difference between retiring a millionaire, or not retiring at all. The below table shows what happens if you save …
As a family, we have try to have two holidays a year. Its something we budget for, something we save for, and most importantly, something we enjoy. Typically, one holiday is a beach holiday, and the other is something different. Ten years ago, we went skiing and I bought we bought of paid of skiing …
Cycling has always been popular among people. It is an excellent form of exercise that can help keep you healthy, and most of the time can save a lot of money. In the last 18-month bikes have substantially increased in price. It’s not that the demand for bikes was any less than before. It’s due …
Life is short. One minute your at school, the next you’ve started working and then its its time to retire. The problem is that life is too short and most people, don’t think of their financial future. Over the years, I’ve met hundreds of people with that, “i’ll just keep working attitude”, but what happens …
I filled my car up last week, which these days is a horrific experience. The problem is that we’re all so reliant on cars to get around, and with petrol prices running at approximately £1.30 a litre, your average 60-litre tank is now a massive £80 to fill up. According to research in the UK, …
2021 has been an excellent year for investing in the stock market. The FTSE 100 is up 9% this year, the S&P 500 is up 22%, and things are looking great for this year. The problem, they’re looking too good. This massive growth has been due to government bond-buying programs across the world. The Federal …
My dad told me I had to buy BPs shares given they’re paying a 6% dividend and is a rock-solid stock. Two months later, it’s down to a low of 236pence, and now that rock-solid dividend has been cut. While it still represents a nearly 5% dividend yield, with the stock currently trading at around …
I’ve had hundreds of conversations with thousands of people over the last twenty years about stocks and in what direction they are headed. Every week, I read the latest financial publications, speak to financial professionals, and I’ve even gone as far as signing up with a few stock-picking services to help diversify my holdings and …
Choosing a financial adviser is a decision that should not be taken lightly. The difference between a good and a bad financial adviser can easily be hundreds of thousands of pounds. The two tables below show the difference between investing £200 per month with the help of a Financial Adviser costing you 2.5% per year …
Over the last twenty years, I can count the number of people who are not looking forward to retirement, on my left hand. Personally, I cannot wait. I cannot wait until the day when I don’t have to get up at 6am, walk to the train station, take a packed train to work, work people …
Last week I caught up with one of my oldest friends called David. David is a Geography teacher, and while I often make fun of him for colouring in maps, he is an outstanding teacher. Like many of us, he wants to retire and has dreams of moving to the countryside. The problem with retirement …