When any day can be a bolt-hole day

Regular readers will know I very rarely jump on the mainstream media bandwagon, so I won’t kick this one off by talking about resigning Chancellors or pandemics. To me this is all (very loud) noise, but if you choose to spend your time following it that’s up to you....

Think harder Homer-owner

I can imagine a fair amount of people reading this are home owners. Not that you actually own your home of course, the bank does. But let’s stick to the topic here folks. I then imagine a smaller amount of people, say 10% of readers, have other property related...

Is property ownership a good idea?

This is a question I think about more or less every single day. Back in 2007 my sister, cousins, and I came into an inheritance when my Nan died. She and my grandad had lived in the same house they raised my Mum and Uncle in for more or less their entire adult lives...

A huge opportunity to create generational wealth

Following on from this theme of grandparents giving money to the younger generations, I discovered another interesting tax breaky thing last week. Alongside the pension contributions, grandparents can also give away up to £3,000 a year per person, with some extra in...

SIPP-tastic booming assistance

Even if you haven’t got a big pension pot already, and have never heard of a SIPP – I would encourage you do some research into the latter, as I have done recently. My own pension pot is pretty small, something in the region of £20,000. This is because I only paid in...

Atrocious Crypto puns

My De-Cryptifying Crypto flash sale will end in a Bit. So don’t take this warning Lite-ly It’s a Stellar guide, even if I do say so myself. The knowledge from which could Ripple through your life for years to come. So don’t swerve it like NEO dodging bullets. If...

What actor/singer/businessman Will Smith can teach you

No sooner had I finished writing yesterday’s email than I remembered just how wild west the crypto world is. One of the things I wrote about in my De-Cryptifying Crypto guide last summer was the importance of being able to take your crypto offline into a cold storage...

When 75% returns in four months… just got interesting!

Cryptocurrencies. If even the mentioning of this word has made you groan, save your time and stop reading right now. I’ve had a good time with them, but a bunch of people reading this will just think they’re a bunch of numbers and the next ponzi scheme scandal. Back...

Stuck in the middle of a SOMBIE sandwich

Supermarket related pun kinda intended. So who caught the news earlier this week about the 3,000 management roles being axed as part of a restructure at supermarket chain Morrisons? But don’t worry, the company is creating 7,000 new hourly-paid roles at its 500...

Getting away with daylight robbery

As I write this, I’m roughly 69.69696969% (recurring) through a fantastic book called Daylight Robbery by Dominic Frisby (368 minutes into the 528). Firstly, yes that is one amazing surname. Secondly, yes I’m a numbers geek (and found this % by accident). Thirdly, get...

Radio da da

I love a brand extension. Kit-Kat Chunky – brilliant. Tab Clear – erm, average. The latest example I’ve come across is from the local radio station here in North Yorkshire, Stray FM. Apparently they’ve entered into the recruitment industry, which is pretty clever,...

A wise investment in your network expansion plans

Those who bought NED Gigging or another product which included my network expanding (almost) free software suggestion - will have potentially already made some nice progress towards their Non-Executive portfolio goals. Either way, here’s a bonus. A couple of months...

When a wedding ring is your best investment ever

Yes yes, the person you marry is the best investment ever (for those readers of a soppy inclination). But a close second could be your wedding ring, if you got married between five and ten years ago and listened to the salesperson in the jewellery shop (or your...

Algorithm Copycatting

Looks like Trainsplit’s unique split-ticket offering has been copied. Which was kinda always going to happen seeing as it’s probably algorithmable for anyone smart enough at programming. Split ticketing (for those who’ve never heard of it) is a way to decrease the...

This is what regulation looks like

Anyone catch the news a week or so ago about how the FCA have made overdraft costs ‘fairer’? No? Well it goes something like this… From the 2nd April, most of the banks will double their interest charges to just shy of 40%. Forty, chuffin, percent! And yes, that means...

Funky fund management vs independent control

So it looks like Mr Woodford did ok last year, even though his investors did not. Apparently his business partner and he took home £14m in dividends in the twelve months to March 2019, however as at last week his investors remained trapped in the Woodford equity fund....

I’m not one to make new year predictions

Far too easy to get it wrong, and my magic eight/crystal ball is at the repair shop. I will however agree with someone else’s, in this case the author of Crypto Revolution, Sam Volkering. Sam’s a smart cookie Aussie, and had a blinder early on with crypto investing...

FCA Fanatic

These folks are often also inflation ignorers. Now there’s nothing wrong with keeping three to six months of household expenses in an easy-access investment or savings account. It won’t be paying anything close to what’s needed to offset inflation (real inflation in...

Totally addicted to advisors

A few years ago, one of the Guerrilla Investors readers coached my wife and I in some financial management tools and techniques. It was a really useful exercise, and he and I have stayed friends and introduced each other to various resources and business opportunities...

Oblivious Ostriches beware

Here’s a list of how things used to be: 1. Go to school, go to university, work hard, get a good job. 2. Buy a house, get a couple of cars, pay into your pension. 3. Go on holiday in the summer, get promotions. 4. Work at the same company until you retire, at which...