FISH | Financial Independence Seeking Happiness: Financial Armageddon

Maintaining Wealth II - We are all Investors Now

Contender 0 Black Swan, Critical Thinking, Dividends, Finance, Financial Armageddon, Gold, Inflation, Investing, Saving 16:03

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TiMe: "Dring, Dring, TiMe to wake up sheeple" 
 
THE.FuTuRE: "Shussssh! They are sleep walking towards a cliff. We are providing wonderful <strike>distractions</strike> entertainment for them. Just look at all of their happy faces. Everything is great. There is no need to think just enjoy! Until I am ready to claim my pound of flesh MurrrGH HA HA HA" 
 
CoNTeNDeR: "Oi you evil B****** we the people will not stand for your bull****. We are waking up in our droves, turning off the entertainment and thinking about what you are up to. Financial freedom from your tyranny.  We are  lemmings no more and are turning away from the cliff - watch out below FuTuRE" 
 
In <a href="http://getintheringwithme.blogspot.com/2013/12/maintaining-wealth-i-bitcoins-and-real.html" target="_blank">Part 1</a> of this post we had a look at Paper Money, E-currency, Commodities, Real Estate and bonds. Today we are looking at Stocks, Land and investing in oneself as additional wealth preservation options worth considering. 
 
Stocks - Growing Profits? 
 
What
 value can you give to a company, let alone picking the winners in the 
stock market? This issue has flummoxed investors for years. 
 
Owning
 part of a company gives you an interest in that company's profits. 
Provided the profits keep rolling in due to a competitive advantage, the
 company should have some longevity. 
 
Perhaps looking 
for companies that have a distinct brand, product or advantage such as 
extremely difficult barrier to entry are the place to be. Those 
companies will grow in value along with their sales and / or return some
 of that profit back to shareholders through buybacks or dividends. 
 
Companies generate wealth - can you pick the right ones? THE.ConTeNDeR is trying see the <a href="http://getintheringwithme.blogspot.fr/2013/11/screener-for-value-and-dividend-stocks.html">Screener for Value and Dividend Stocks Here</a> 
 
For a seasoned professionals take on stocks for the long term, check out some articles by <a href="http://www.investmentu.com/2013/October/a-near-perfect-portfolio.html" target="_blank">Alex green from InvestmentU</a> and I am a fan of his book <a href="http://www.amazon.co.uk/gp/product/0470598204/ref=as_li_qf_sp_asin_tl?ie=UTF8&camp=1634&creative=6738&creativeASIN=0470598204&linkCode=as2&tag=thecontfinain-21" id="static_txt_preview" target="_blank">The Secret of Shelter Island: Money and What Matters</a> 
Warren Buffet even has a <a href="http://www.ivillage.com/warren-buffett-teaches-money-lessons-kids-cartoon/6-a-533797" target="_blank">cartoon series for kids on investing</a>. 
 
Tribe's opinion - Stocks allow the building of a diversified set of businesses. If stocks were not available it would probably be difficult to invest in diverse ideas such as graphene, new drugs and technology companies such as Google. Core holding. 
 
Arable Land 
 
An interesting investment class in THE.CoNTeNDeR's
 opinion. Precious renewable resources can be harvested from arable land
 year after year making it a very profitable investment class.  
 
Invest
 in woodland and you get free winter fuel and can sell the excess. 
Farmland can be planted for delicious fresh vegetables to be sold down 
the market. 
 
THE.ConTeNDeR likes the idea of some
 arable land next to his house. From a purely financial independence 
perspective 'free' heating, vegetables and eggs would reduce our living 
costs substantially. 
 
The <a href="http://www.transitionnetwork.org/" target="_blank">Transition network</a>
 are keen on this concept to help preserve the planet and combat 
resource depletion. They do a good bit on supporting communities as 
well. 
 
Tribe's opinion - We really think owing a bit of land even if it is used by someone else is a good idea and something we are looking at for THE.FuTuRe

Maintaining Wealth II - We are all Investors Now

TiMe : "Dring, Dring, TiMe to wake up sheeple" THE.FuTuRE : "Shussssh! They are sleep walking towards a cliff. We are pro...

Maintaining Wealth I - Bitcoins and Real Estate

Contender 2 Black Swan, Critical Thinking, Dividends, Finance, Financial Armageddon, Gold, Inflation, Investing, Saving 20:18

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THE.FuTuRE: "Contender you wuss, what is all this talk about income, growth and protection investments. I will take it all from you eventually. I have time on my side" 
 
TiMe: "Tick Tock, Tick Tock" 
 
CoNTeNDeR: "Precisely FuTuRe I have no idea what you are really up to. Heck I had a guess at the outlook for the year and how did that come out.....so I need a bit of diversification because of all of your conniving, plotting and outright corruption!" 
 
We are living in very interesting times especially with regards building and maintaining wealth. 
 
In this post we cover the TRiBe's options for investments in currency, commodities real estate and bonds with examples and opinions on some of the pro's and con's? 
<blockquote class="tr_bq">
 "You have much more opportunity 
to earn money than you do to 'not spend' money, and yet most people spend hours 
upon hours clipping coupons and perusing daily deal sites instead of 
brainstorming how to earn more money and solve 
people's problems." - Susan Fujii</blockquote>
In the second post we will be looking at other investment classes such as stocks and yourself followed by the TRiBe is current thinking. 
 
Paper Money Supply - Blind Faith? 
 
Since 1970 when Nixon took the world off the gold standard there has been no anchor to excessive money / currency creation. Governments have control over the supply of their currencies and they can determine the ultimate value of the currency in circulation depending on the amount in circulation. 
 
Previously if people wanted to save their labour and future buying power through the means of a currency, they could chose a checking account. It earned interest that was enough to offset any excessive increase in the currency supply. This is certainly not the case at the moment, interest rates are artificially low and people are being 'guided' to riskier investments for a return. 
 
One may ask but why is the currency supply increasing above the increase in productive capacity of the economy. Unfortunately this is easy to attribute to governments' fiscal irresponsibility. Excessive overspending is used to buy votes from the electorate. 
 
Alternatively if a country has strong institutions, low spending and fiscal responsibility - holding that countries currency is less of a concern. 
 
Fiat Money is covered by <a href="http://www.amazon.co.uk/gp/product/B005GSYZRA/ref=as_li_qf_sp_asin_tl?ie=UTF8&camp=1634&creative=6738&creativeASIN=B005GSYZRA&linkCode=as2&tag=thecontfinain-21" id="static_txt_preview" target="_blank">Currency Wars: The Making of the Next Global Crisis</a> by James Rickards, and <a href="http://www.amazon.co.uk/gp/product/0718192141/ref=as_li_qf_sp_asin_tl?ie=UTF8&camp=1634&creative=6738&creativeASIN=0718192141&linkCode=as2&tag=thecontfinain-21" id="static_txt_preview" target="_blank">Paper Promises: Money, Debt and the New World Order</a> by Phillip Coggan. There is also a good video to watch by Warren Buffet highlights how <a href="http://www.youtube.com/watch?v=5DvuyvuHmJI" target="_blank">countries get into trouble in the first place</a>. 
 
See the video series <a href="http://www.youtube.com/watch?v=DyV0OfU3-FU" target="_blank">Hidden Secrets of Money</a> by Mike Maloney 
 
Tribes opinion - it is so easy to transact in paper money and in the governments interest to keep them in place we will always keep some in our portfolio. 
 
Electronic Currencies - How Many? 
 
We now have alternative currencies such as Bitcoin and Litecoin hitting the news wires for their massive gain in relative value to reference currencies such as the US dollar. 
 
Firstly there are many people in favour to the inbuilt scarcity of the digital coins. Secondly they are not issued by any government and they are scattered globally that make them uniquely difficult to manipulate. 
 
One thing that is a red flag to THE.ConTENdER is what stops an unlimited amount of new versions of electronic currencies being created? 
 
Will the herd just jump from e-currency to e-currency chasing gains - see a list of them <a href="http://en.wikipedia.org/wiki/List_of_cryptocurrencies" target="_blank">here (10 listed)</a>? THE.CoNTeNDeR thinks this is highly likely until the number of e-currency options goes to infinity or faith in them is destroyed. Their value will go the same way as fiat currencies trending towards their intrinsic production value of close to zero. 
 
What may save them is if the herd all commit to ONE e-currency. 
 
One thing preventing this e-currency utopia is ... human nature. We are opportunistic and after an easy meal / fast buck. Our prehistoric past moulded us that way. When we were being chased by sabre toothed tigers whilst eeking out an existence coming across a free lunch in the form of a dead Mammoth. 
 
Will everyone commit to one e-currency? I would like to think it could happen but who can tame  human nature. Will we have to live in a dystopian future where we all take the happy pill to keep us controlled? 
 
Zero hedge recently <a href="http://www.zerohedge.com/news/2013-11-27/presenting-bitkillers-these-are-richest-holders-bitcoin" target="_blank">reported that 100 people hold 20% </a>of the bitcoin currency - a new type of Ponzi scheme in the making? Create a new e-currency holding a large percentage of the issue then cash in and move on as the perceived value burns. Who is left holding the proverbial handbag - the new entrants - good luck or what a good SUCKER!- THE.FuTuRe would be impressed! 
 
See this <a href="http://www.youtube.com/watch?v=T_hBhymFfm8" target="_blank">utube documentary on bitcoin</a> 
 
Tribes opinion - Speculative and almost impossible to value - mine some coins by all means* but only purchase if you have some spare gambling money :) 
 
* THE.CoNTeNDeR has had a go at mining. The setup is a pain, it is geeky, based on lots of technical know how. To mine alot of coins and to really exceed requires specialise mining rigs - a currency for the people - you must be joking! 
 
Next up commodities

Maintaining Wealth I - Bitcoins and Real Estate

THE.FuTuRE : "Contender you wuss, what is all this talk about income, growth and protection investments. I will take it all from you ...

Facinating Real World People

Contender 0 Black Swan, Conformity, Education, Financial Armageddon, financial independence 08:27

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THE.FUTURE: "So you think you have what it takes to survive what I have in store for you?  
 
THE.CONTENDER: "You are so full of it. I have a whole bunch of advisers that have you in their sights. They are free thinking and certainly not controlled by you!" 
 
This post is short and sweet. Below are some videos of some very interesting REAL WORLD outspoken people THE.CONTENDER keeps tags on. Covering future trends, investing, ecology, philsophy, fiat money and financial independence. A smart interesting bunch of free thinkers. Have a look at any of the videos that take your interest. 
 
<a href="http://en.wikipedia.org/wiki/Gerald_Celente" target="_blank">Gerald Celente </a>- Trend Forecasting Master Jedi 
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<a href="http://en.wikipedia.org/wiki/Max_Keiser" target="_blank">Max Kaiser </a>- Maverick Ex Trader who Is not afraid to Speak his Mind here talking to the Dollar Vigilante 
 
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<a href="http://en.wikipedia.org/wiki/Nassim_Nicholas_Taleb" target="_blank">Nassim Nicholas Taleb</a> - Black Swans and Anti-fragility 
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Facinating Real World People

THE.FUTURE : "So you think you have what it takes to survive what I have in store for you? THE.CONTENDER : "You are so full ...

4 Protections for Financial Armageddon?

Contender 0 Black Swan, Critical Thinking, Early Retirement, Financial Armageddon, frugality, Inflation, Investing, Risk 20:51

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Financial Armageddon talk is all across the alternative media. Lax lending that caused the crisis for the banks in 2008 has now been transferred to governments worldwide. Unlimited money printing in the US by the Federal reserve will continue until the economy improves. Commodity prices spiked on this news and will most likely continue to increase in value due to monthly injections of freshly printed money. Boy does it sound like we are screwed. 
 
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THE.CONTENDER is very concerned primarily about inflation. Central banks in Europe, US and Japan are printing money for fun while China is stimulating through a colossal infrastructure spend. Historical monetary events (of stealth default through money printing) does not fill THE.CONTENDER with confidence we are on the right path to. We do not seem to learn from past mistakes (a generation passes as does the wisdom) when it comes to excessive debt and sound money. In this post THE.CONTENDER is going to try to summarise  four key protection strategies that
 could work out very well regardless of a Financial Armageddon or severe inflation.</div>
 
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For more information see the following books <a href="http://www.amazon.co.uk/When-Money-Dies-Nightmare-Hyper-Inflation/dp/1906964440/ref=sr_1_3?s=books&ie=UTF8&qid=1339230790&sr=1-3" target="_blank">When Money Dies (2010)</a>, <a href="http://www.amazon.co.uk/Paper-Promises-Money-World-Order/dp/0718192141/ref=sr_1_1?s=books&ie=UTF8&qid=1347868634&sr=1-1" target="_blank">Paper Promises (2012)</a> and <a href="http://www.amazon.co.uk/Financial-Armageddon-Protecting-Impending-Catastrophes/dp/141959608X/ref=sr_1_2?s=books&ie=UTF8&qid=1347869641&sr=1-2" target="_blank">Financial Armageddon(2007)</a> my
 previous posts cover how THE.CONTENDER is investing: <a href="http://www.getintheringwithme.blogspot.co.uk/2012/07/round-5-156s-investment-challenges.html" target="_blank">Investment challenges</a> and <a href="http://www.getintheringwithme.blogspot.co.uk/2012/08/risk-versus-reward-round-5-2m-59s.html" target="_blank">Risk Versus Reward</a>.</div>
 
In Europe under capitalised banks are basically lying about their assets value they are insolvent. Several PIIGS governments are being forced to pay ever increasing interest on their government bonds whilst bailing out the banks. The ECB is trying all options to bail out countries against the backdrop of a fractured political landscape. 
 
As the ECB cannot buy government bonds outright, get this, it is giving money to the banks, to buy the bonds, and then buying them back from the banks!!!! - complete fraud in my opinion. Supposedly this will be sterlised (printing no new money), who are they trying to fool - the debt is too large, the supposed assets over valued. The debt and interest cannot be fully paid back. The ECB will take significant paper losses equating to an increase in the money supply in the future. More money created dilutes existing money which is now worth considerably less. To whose benefit? 
 
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Zero interest rates are screwing savers and retirees but fixed rate debt is paying off. I wonder who owns that....... 
 
Most "answers" so far have been to "kick the can down the road" - print money instead of dealing with the issue head on greed has created too much un-payable debt. Why does the west not copy Iceland - they defaulted on their debt, brought criminal charges against the people who abused the system and their countries goo will then started again from a new sustainable base. They are thriving again. The benefit of money printing is for debt holders (creditors). The young are enslaved with excess debt while struggling to find a decent job to pay off. The retired and savers are being stiffed by ultra low interest rates and <a href="http://www.shadowstats.com/alternate_data/inflation-charts" target="_blank">high shadow inflation</a>. 
 
This does not bode well for the generations of the future who have to pay the bill. They also have the possibility of Financial Armageddon to deal with. By this THE.CONTENDER means hyperinflation leading to mass joblessness and massively reduced living standards. 
<blockquote class="tr_bq">
<a href="http://www.amazon.co.uk/Wall-Street-Collectors-Michael-Douglas/dp/B00347A32G/ref=sr_1_1?ie=UTF8&qid=1348083077&sr=8-1" target="_blank">"Greed is good" - Gordon Gecko, Wall Street </a></blockquote>
 
 
Quantitative Easing (buying government debt using printed money) in the US, Europe, and Japan is all about currency debasement to reduce the value of the debt. They are paying the debt back with less valuable currency. The elite has done everything in its power to maintain this status quo. They ensure that they get their debt repayments instead loosing out as the debt is defaulted to allow society to starting on a new sure footing as in the case of Iceland. 
 
The elites are squeezing the productive middle class worker bee families with inflationary policies. The middle class is the productive class. A self perpetuating spiral of job losses due to destroyed demand and lower living standards. If the vampires that sucks the blood from the middle class victims continue who will be left to serve?  
    
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4 Protections for Financial Armageddon?

Financial Armageddon talk is all across the alternative media. Lax lending that caused the crisis for the banks in 2008 has now been t...

Welcome to FISH !
You have come here looking for answers. How to get out of debt? How to save and invest? How to retire early and how you want to live in retirement.

Well this is the right place for you as out tribe has been through all of these steps. We no longer work for a corporate employer and have saved enough to retire early. How we did this is shared here on this site for you.

Our little tribe found out these secrets to financial independence in our late 20’s. Since then we have taken early retirement, in our late 30's, in just 7 years. We now live in the South West of France with our two young children.

Along the way I decided to share everything I learnt. My articles and tips on aggressive saving and compound investing are there to help you meet your financial goals fast. I discuss ways to help you decide what you want by building a life plan. This helps to work out how to get where you want to be whilst avoiding the pitfalls along the way.

My expertise was built up working in blue chip corporate jobs, extensive reading and putting it into practice. I have condensed this knowledge into simple strategies to help you meet your goals and not those of the bank or the place you work.

There are free planning tools on this site that help you make a life plan. A plan for your future. The tools calculate how to reach your financial goals in a timeline that suits you. The tools help set out your life goals, make them happen and how to exceed them.

There are tips on how to simplifying your life to remove day to day headaches. These include ways to pay off debt fast buy eliminating wasteful spending habits. How to reduce your monthly bills through choices that actually improve your health and wellbeing. Identifying things you don’t need that sap your time and wallet.

There are little sustainability projects to reduce your dependence on shops and utilities whilst saving money to spend on things you want.

All of these little steps will show you how save 50%+ of your salary so you can meet your goal whatever it is. This huge saving rate can be compounded for very early retirement. I am sure you will find something here for you.

Darren Lee (A.K.A the Contender as in my blog)

FISH | Financial Independence Seeking Happiness

Maintaining Wealth II - We are all Investors Now

Maintaining Wealth I - Bitcoins and Real Estate

Facinating Real World People

4 Protections for Financial Armageddon?

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