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To pay off the mortgage or to invest? That is the question. It’s an often debated question in the world of financial independence and one thats been done to death in blogsphere several times over. In this article I won’t go in depth into all of the pros and cons of each side of the argument […] Read More


Working with colleagues form all over the world over the last decade or so has given me the opportunity take a peek into the national psyche of some of these colleagues. Over time observable stereo types emerge and patterns of behaviour present themselves. Over the years i’ve marvelled at: The entrepreneurial spirit of the Americans The passion […] Read More

I’ve been working in Finance for about 15 years. As a result I’m often asked by friends or family members for advice or tips about where they should put their money. I thought what better way to help our readers than to share some of this insider knowledge so we can all get richer together! […] Read More

As I sat on the train this morning watching the rain hammering against the window I suddenly became aware that I was no longer worrying about the electrical fault (and subsequent delay) that the conductor just announced. Instead my mind had wandered onto the downpour outside and the possibility of it causing a leak at […] Read More

One of the main topics of discussion in financial circles these days seems to be liquidity. In many markets liquidity (the amount of buyers and sellers in the market) has reduced significantly since the beginning of the financial crisis in 2008. Gone are the days when all of the banks and broker dealers had all […] Read More

“Erghhh…it’s fucking tiring losing money, thank God it’s Friday” “Yeah, I’ve not heard about anyone that killed it this week” This was the conversation I overheard heard between two colleagues as I was walking out of the office on Friday evening. Of course they were talking about this: The ‘market’ was fully expecting Mario Draghi […] Read More

Don’t overpay for dividends

With stock markets at or near all time “highs” it is worth  reminding yourself about the importance of price and value of proposed investments. I think it was a certain Mr Buffet that once said… “Price is what you pay, value is what you get“ Whether you believe the markets are currently due a fall or […] Read More

With all the talk in the media of deficits, lack of growth, negative rates and deflation you’d be forgiven for thinking that the stock market ought to be in the doldrums. But what’s this flashing up on my screen… The FTSE just hit a new record high, breaking the 7,000 mark for the first time ever. […] Read More

I had dinner last week with a good friend of mine and one I’ve shared a fair few investments with over the years. Back in the heady days of the dot.com boom we were happily sharing ‘hot tips’ and were often found pooling our meagre student resources to take a punt invest in some random […] Read More

Investing: There be Dragons

As I mentioned recently, we rarely watch television in the Money Tree household. When we do, it is more often than not a pre-recorded series via our freeview pvr box. There’s a small number of programs we watch from time to time one of which is Dragons Den. While Dragons Den is first and foremost an entertainment […] Read More