A friend forwarded me her remortgage quote this week with a single line underneath it: “Explain this to me like I’m five.” Her rate had crept up since her broker’s estimate six weeks ago, and as far as she could tell, nothing had happened. No Bank of England meeting. No headline about interest rates, just
Why Your Mortgage Quote Just Got Worse While No One Raised a Rate Read More »
Algorithmic stablecoins tried to build money with no bank behind it. What they achieved, why most collapsed, and the lesson that outlives them. 45 billion dollars disappeared in three days in May 2022, and the software that destroyed it was working exactly as designed. That is the part people tend to skip. There was no
Algorithmic Stablecoins: The Dollar That Backed Itself Read More »
How to invest in gold in the UK, explained plainly. Coins, bars, ETCs, the costs, the tax rules that matter, and where silver fits. The first time I walked into a bullion dealer, I did the thing everybody does. I stood a little too far from the counter, pretended to read a laminated price list
How to Invest in Gold: A UK Beginner’s Guide Read More »
British companies are set to return around £125 billion to shareholders this year. Almost none of the coverage mentions it. Here is why. I suspect that if I asked you what British shares had done for their owners this year, you would reach for the index. Up a bit, you might say. Up more than
The Payout Nobody Mentions Read More »
I grew up watching a borough struggle and could do very little about it. What changed, what I give now, and why the time matters more than the money. When did you last give something away that you actually felt? Not a card reader tapped on the way out of a supermarket, and not a
Giving Is Easy. Giving That Costs Is Not Read More »
Silver peaked near $116 in January, fell to around $55 in July, and has climbed back. What that round trip actually feels like. I can admit this now, because enough time has passed that it counts as a lesson rather than a wound. There was a stretch this year when I stopped opening one particular
Silver Went There and Came Back Read More »
The FCA opens its crypto authorisation window on 30 September. What changes for a UK holder, what does not, and what to check. Do you know what to do with your crypto platform in the next 14 months? I ask because a date has been set, it has been set in law, and almost nobody
The Crypto Deadline Nobody Has Diarised Read More »
A bitcoin miner just shut its last American mine and turned the power over to AI. This is a story about repositioning, and what the middle costs. There is a building in Washington State that used to produce Bitcoin and currently produces nothing at all. The machines have gone. The power contract has not. Sometime
The Miners Who Became Something Else Read More »
Freedom is not spare time; it is permission what changed when I stopped asking to take my own holiday, and the part that is harder than it looks. There is a particular kind of waiting that comes with a leave request. You submit it, and then it sits somewhere waiting for a manager to decide
Twenty-Eight Days, And Someone Else Picked Them Read More »
The SEC votes on Friday to open its first formal crypto rulebook. Why the plumbing gets built when nobody is watching the price. The most consequential thing happening in crypto this week has nothing to do with the price. On Friday, the United States Securities and Exchange Commission meets to vote on opening a proposal
The Rules Get Written on Friday Read More »
