Monthly Archives: April 2015

0.8% is all it takes

0.8%.  Doesn’t look like much.  Doesn’t sound like much.  By itself, it’s not much. And that’s how the fuckers of the payday loan industry get you.  Come on guy, it’s only 0.8% a day, whats the worst that could happen?  Well, I’m not your guy, buddy. See, 0.8% is what the payday loans are currently capped at, per day.  This… Read more »

Make Financial Independence a probable probability

At university we would often chirp away to about winning the lottery.  There were lots of superb ideas floating about.  Travelling.  Starting up a business.  Seeing how good you could get at a single pursuit, say snowboarding.  Trying to find out where your friends moral limits were, for example would they marry a cat and keep up the pretense for… Read more »

The demographic of the FI seekers and the privilege of the quest

I am sat here typing away on my laptop, with the cycling tour of the Basque Country on my TV, my smart phone buzzing away with messages from around the country and a cup of tea steaming away. Life is pretty good. You wouldn’t think it if you spend much time reading the news.  But it is. A dreary newspaper… Read more »

SWR 4%: An Investigation. Month 3

Recap It’s now three months into the experiment where Mr Z in Parallel Universe Number 1 pulled the trigger on early retirement.  This is a completely fictitious portfolio and just a little experiment for me, hopefully giving some insight on what it would actually be like through the ups and downs of living off an investment portfolio. Each month I am going to assume… Read more »