I love this banter
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Read between the lines. You think between age 10-25 I didnāt make enough mistakes to fill a country? 15 years in an extreme sport you think the injuries, the travel, the competition, the failure, the success, the more failure, the pain, the rain, the fact I couldnāt afford to even replace parts on my bikeā¦ you think I didnāt learn thenā¦
2020 I fell between the cracks during a job transfer and didnāt receive a penny from the government whilst what seeemd like 11 million people got paid to do nothing.
Got cancer in 2020. Can you imagine what that was like trying to get diagnosed during covid?
I could continue on for another month on the mistakes and the things that have happened.
I applied for 900 jobs roughly during the 2008/09 financial crisis and didnāt get employed into anything of any value. Minimum wage would have been a blessing! 2009 I took an unpaid job/questionable intern thing and then my crap car broke and I couldnāt even afford to then get to my unpaid ājobāā¦ youāll take anything after applying that many times during a prolonged recession. There are more than a single time where I wish I had Ā£1.
Didnāt make an investment between 2010-2020ā¦
Ironically, and donāt laugh, I was a pensions administrator in 2007 just before the financial crisisā¦ got made redundant 8 months into the job and turned my back on that industry thinking it wasnāt importantā¦
So if you count all the missed opportunities and poor decisions even accounting for being naive back then, there have been some tough times. I would even say that now is a tough time. Itās why I post occasionally, because investing and succeeding with it is so important itās almost like the air we breathe. And younger people should hear real people doing real things but experienced people, not the many scam muppets online shifting free share links to boost their own portfolios. Thatās stuffs dumb af.
How do you think I gained so much experience as to when I act and when I donāt on an investment?
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I forget are divs added onto profit loss on a single stock or do I need to manually do this just like you manually have to do stamp duty for some weird reason?
Dividend is not added to P/L @Kiava
Then if you use the dividend to buy more of the stock that further confuses the sums.
I wouldnāt study it too preciselyā¦but I know you will 
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Thanks Bobby good old Bob the Bob Iād prefer it if freetrade just had options to view these kind of things again it takes stress and time wasting our of investing when we could have simple charts to show these things.
Why do I want to go through like 287 separate buys to calculate stamp duty on all of them to check or to find out the divs from each one etc.
Features like that are beyond easy to implement compared to other features and makes the app far more appealing and useable. I know many who would love those features which I think any broker no matter who it is those should come standard at launch.
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Good evening 
-
As usual, we selected the best articles published in the past few days 
:
PORTFOLIO CONSTRUCTION
BoW Deep Dive Into Bitcoinās Endgame: Why even skeptics should start paying attention
Optimal Design of Life-Cycle Funds: 4 global examples including Poland
Reevaluating Safe Havens: How assets behave in extreme crises
Strategy: What financial history and past crashes teach us today
Equity Markets: The stock market remains undefeated
Stock Market Ownership: Global comparison chart by country
Guide for Analysts: The prehistory of US equity markets
ETFs & PLATFORMS
Dimensional Comes to Europe: Hires leadership to spearhead ETF entry
Platforms: Largest brokerage firms ranked by assets
Neo-Brokers: The hidden cost behind āzero feesā
ETF Industry: Key insights from the latest TrackInsight report
New ETFs: Why caution is needed when buying the latest launches
ACTIVE INVESTING
Cut Through the Noise: Two factors that consistently drive success
Small Cap Value: Small, value, or the combined small/value effect?
Managed Futures: Long-term, complexāand not for everyone
Illiquid Assets: Daniel Rasmussen explains the hidden dangers
Credit Suisse Collapse: Scandal, sleaze, and the downfall of a giant
WEALTH & LIFESTYLE
Best Finance Books: Curated by Larry Swedroe
FIRE Lifestyle: Why this expert says youāre too frugal
Stop Saving for Your Kids: Give them the money now
Life After FIRE: Answers to your toughest retirement questions
Hidden Retirement Risk: How to identify and manage it
Client Advice: What to do when a near-retiree gets laid off
And so much more!
Have a great week-end!
Francesca from BoW Team 
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Anyone watched this and what do you think about the price predictions, the big businesses moving away from the USA, prices of everything going up and how do we think now people feel about buying the USA market.
It seems from this video the EU seems to be the new place of throughput.
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Uneasy.
My pension is 100% global tracker.
My ISA is a mixture of cash (T212) and stocks (FT).
No way would I be 100% in stocks for money I might need within the next 5 years, Trump is playing with a fragile financial ecosystem, throw in the massive deficit required debt, I just donāt see a world where yields fall very meaningfully short of a financial crisis.
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Thanks for the repliy man would of been nice to hear more peopleās thoughts but seems youāre the lone soldier.
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It is a sign of the times. Uncertainty and speculation.
Personally I dont give much credit to anything on Youtube, and its a little early to know how everything Trump and tariff related will work out.
Brings up some ideas though about what the future might look like. Maybe.
Thanks for sharing @Kiava
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Yez itās not just YouTube itās what Iām hearing from news, podcasts, YouTube everywhere seems times are changing. We will see in time if they revert back but this has just fueled the Asia thing where they were the up in coming future power houses, mic like how China was poor and nothing until big American firms etc moved in creating jobs for cheap labour to sell expensive products and now their doing this in other cheap countries soon to make these cheap countries not so cheap to visit anymore.
Top destinations for people around the world but thatās how it goes. The USA canāt really complain about how strong China is they created it lol
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We all created it really.
When we decided to stop manufacturing (in UK) and import cheap crap instead.
Paid off for us then, but China played the long game!
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No.
All Walt talk. IE been no where done nothing.
Ding, ding: round 92! Touch gloves now if you want to ā I want a good, clean fight! Letās get it on!
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First post Iāve seen from you for weeks /months chief, thought you were off to 212 ?
Good evening -
As usual, we selected the best articles published in the past few days :
PORTFOLIO CONSTRUCTION
Crashes: Morningstar on what weāve Learned From 150 Years of data
Drawdowns: Morgan Stanleyās Base Rates for Bottoms and Bounces
Tactical Asset Allocation: Implementation Using Python and IBKR
Cash: Vanguard on how much cash should I hold as an investor?
Long Duration Bonds: Scared? Get Used to Them
Markets: Top Performing Equity Markets YTD
Wise Money: The Dumb Money Isnāt So Dumb Anymore
ETFs & PLATFORMS
Reduce Dividend Taxes: Slash Dividend Tax by 15% by Submitting a W-8BEN
Factor ETFs: Invesco launches systematic active global equity ETF
Stock Exchanges: Euronext plans for single trading one for European ETFs
Small Cap Premium: ETFs killed it
Taxes: Their Role in the Rise of ETFs
Tools: Our Broker Cost Comparison Tool
ACTIVE INVESTING
Trend Following: Evolved to undermine its edge with Andrew Beer
Private Assets: Are companies really staying private for longer? No.
International Value Stocks: Its The Little-Noticed Outperformance
Sell America: with JPMorganās Michael Cembalest
Commodities: The Most Powerful People Youāve Never Heard Of
Multi-Strategy Funds: Why they are dangerous (and costly)
WEALTH & LIFESTYLE
Investing in ETFs vs. Buying a Home: What People Get Wrong
Wealth: UBS Family Office 2025 Report
Financial Independence Planning: The 3 Early Retirement Checklists
Personal Finance: 11 Personal Finance Goals for Your 40s
Robust Retirement Portfolios: A Data-Driven Approach & Tools to use
Kids: How to Raise Financially Responsible with Jonathan Clements
Lifestyle: Why Weāre Spending Our Retirement Funds ā In Our 40s!
And so much more!
Have a great week-end!
Francesca from BoW Team
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