Most people ask what to buy. The better question is what order to do things in. Why sequence decides more of your outcome than selection ever will. For a long time, I thought having a plan meant knowing what to buy. I can share what I own and roughly why. I had opinions. I read […]
Wealth Planning Is an Order, Not a Shopping List Read More »
Tech giants issued $159 billion in bonds in five months to fund AI. The Bank of England is watching. Here is what it means for ordinary investors. I have a friend who renovated a kitchen on a bridging loan. The kitchen was beautiful. Genuinely, properly beautiful, the sort of room that makes you want to
The AI Boom Is Being Built on Borrowed Money Read More »
Citadel Securities has invested £300 million into Crypto.com. This brings it to a £15 billion valuation. Here is why institutional money is the signal your gut already knew. There is a game I used to play when I was new to investing, and I am not sure it has ever fully left me. I would
Citadel Put £300M In Crypto. Are You Paying Attention? Read More »
Bitcoin has been rangebound between £50,000 and £53,000 all month. Before you panic or walk away, here is what consolidation actually means. I once watched a pot of water not boil for what felt like an unreasonable amount of time. I know. The lesson writes itself. But I was impatient and I was watching, and
Bitcoin Is Stuck. Here Is Why That Might Be Exactly What You Need Read More »
UK crypto regulation arrives in 2026 and goes live by October 2027. Here is what changes, what it covers, and what ordinary investors actually need to know. I want to start with a confession about how I used to feel when the word “regulation” appeared in a financial headline. I skipped it. Straight past. Regulation
What UK Crypto Regulation Means for Your Money Read More »
Ethereum’s validator queue hit zero, and 2.48 million ETH is queuing to stake. Here is what the silence is actually saying about where ETH is heading. Let me tell you about the time I confused quiet with dead. Years ago, I had a holding that had sat completely flat for several months. No drama, no
Why Ethereum Going Quiet Is the Loudest Signal Read More »
The Renters’ Rights Act is the biggest shake-up of private renting in forty years. The costly bit is not the principle; it is the paperwork. The most expensive mistakes I have made were never dramatic. They were administrative. A form I meant to send. A deadline I half remembered. A letter I filed in the
Renting Changed. The Admin Is the Expensive Part Read More »
A new Prime Minister, a surprise Chancellor and gilt yields above five per cent. What markets actually did this week, and what they are waiting for. I once sold a holding on the morning of a political announcement, feeling terribly decisive about it, and bought it back eleven days later at a higher price, having
Three Days In, the Bond Market Is Waiting Read More »
UK airport drop-off fees rose by a third this year while EU airports charge nothing; A small fee and a useful lesson in captive pricing. There is a particular kind of goodbye that happens at an airport kerb. Boot open, bag out, a hug that goes on slightly too long, a horn somewhere behind you.
Ten Pounds to Say Goodbye Read More »
The high street got a permanent business rates cut in April. Understanding who is funding it explains a lot about your bills this year. I have a friend who runs a small café and cried, actual tears, over a business rates bill. Not because the number was unpayable, though it nearly was, but because she
A Tax Cut Always Comes From Somewhere Read More »
