Musings on Mother’s Day

This mother’s day seems quite poignant for me, because two of my sisters had baby girls this week – they were born five days apart.  For my parents it was their tenth and eleventh grandchildren.  Less than three months ago my brother and his wife had their third baby girl.  So when I go back to England this summer I will have three new baby nieces to meet. FULL STORY

Life hacks for avoiding tempation

I have been following a blogger called Mr Money Mustache (MMM) for a while.  I have written about him before (here).  He fascinates me.  He essentially started the FIRE movement – Finally Independent, Retire Early – which has attracted a real following online.  The movement is about getting down to the bare bones of spending and saving 50%, 60% or even 70% of your salary.  You don’t have to do that for very long to be able to retire.  It’s extreme in some ways and definitely doesn’t appeal to everyone, but there is something in it for sure (after all, philosophers have for hundreds of years known that having money and things won’t automatically lead to lasting happiness).   FULL STORY

What is possible?

I wouldn’t describe myself as a dreamer, but I dream a lot (I think there is a difference). My husband Al and I have been dreaming about a new boat for at least five years. Whenever we go away and fall in love with a new place, I dream about buying a house there. We just spent the weekend with a couple who quit their jobs as a lawyer and an investment banker, bought a 45-foot catamaran and are now half-way through sailing around the world with their 6- and 8-year old sons. Now we are dreaming about sailing around the world (or maybe part of the way around). FULL STORY

The danger of predictions (and why I don’t predict).

“Those who have knowledge don’t predict.  Those who predict don’t have knowledge.” Lao Tzu

There is a pervasive problem in my industry (and the media) with people pretending they know stuff that they really don’t.  People are always predicting what is going to happen in the future – a recession is coming in June, the market will crash in October – it goes on and on.  In a recent piece Morgan Hounsel made a differentiation between an expectation and a prediction.  It’s an important point. FULL STORY

The big WHY.

I know I go on about this a lot (see here, here and here) but honestly, it’s one of the most important things you can do in life – find out what you value, what you care about, what makes you happy, and optimise your money for that.  In his excellent blog post, Nick Maggiulli calls it backward induction – solving for a problem in reverse. FULL STORY

This is how it works.

Below is a newsletter I sent to my clients on the 8th February.  If you are wondering what is going on in the markets right now, just remember, it’s perfectly normal.  It’s what they do.

“The stock market is a wonderfully efficient mechanism for transferring wealth from the impatient to the patient.” – Warren Buffett FULL STORY

Are you ready to start your journey?


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