{"id":5183,"date":"2019-01-06T10:49:34","date_gmt":"2019-01-06T10:49:34","guid":{"rendered":"https:\/\/www.foxymonkey.com\/?p=5183"},"modified":"2019-01-06T11:19:59","modified_gmt":"2019-01-06T11:19:59","slug":"gemfinder-q1-2019","status":"publish","type":"post","link":"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/","title":{"rendered":"The Gemfinder Q1 2019 &#8211; Q4 2018"},"content":{"rendered":"\n<p>Yesterday I was listening to a podcast episode, as I usually do when I go to the grocery store. Tim Ferris was asking Seth Godin how he deals with overwhelm. And here&#8217;s Seth&#8217;s hilarious response:<\/p>\n\n\n\n<p><em>&#8220;When I&#8217;m thirsty, I make sure I don&#8217;t drink from the firehose&#8221;<\/em><\/p>\n\n\n\n<p>With so much information out there it&#8217;s only logical to feel like this. News from Twitter, mailing subscriptions, TV stories and friends constantly sending us stuff.<\/p>\n\n\n\n<p>Every time I write a Gemfinder article, I&#8217;m excited. That&#8217;s because I feel I distil the information for people so that they can focus on exactly what matters. There is so much out there which is hard to even pick the best articles.<\/p>\n\n\n\n<p>As a reminder, the Gemfinder content is evergreen. This means that at any point in time you can go back and read all <a rel=\"noreferrer noopener\" href=\"https:\/\/www.foxymonkey.com\/tag\/gemfinder\/\" target=\"_blank\">previous Gemfinder <\/a>articles without missing out on \u2018recency\u2019. Time goes on but principles are here to stay. So without further ado, I present you&#8230;&#8230;&#8230;<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg\" alt=\"Gemfinder Q1 2019 Q4 2018\" class=\"wp-image-5222 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg 640w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640-300x225.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg\" alt=\"Gemfinder Q1 2019 Q4 2018\" class=\"wp-image-5222 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg 640w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640-300x225.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/noscript><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-large-font-size\">The Gemfinder<\/p>\n<\/div><\/div>\n\n\n\n<p><br>Here&#8217;s why a stock market crash is a blessing during your wealth accumulation phase. I examine three different investment journeys and how they play out depending on how the market performs. <strong>The market return across all journeys is EXACTLY the same<\/strong>.<\/p>\n\n\n\n<p>In other words, if you only contribute an initial amount and make zero contributions thereafter, you will end up with the same amount. But what if you contribute along the way, as we usually do? The results surprised me&#8230;<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-foxy-monkey\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"LgGKTrUgIj\"><a href=\"https:\/\/www.foxymonkey.com\/stock-market-crash-good\/\">Why a stock market crash is actually good for you<\/a><\/blockquote><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" data-src=\"https:\/\/www.foxymonkey.com\/stock-market-crash-good\/embed\/#?secret=LgGKTrUgIj\" data-secret=\"LgGKTrUgIj\" width=\"600\" height=\"338\" title=\"&#8220;Why a stock market crash is actually good for you&#8221; &#8212; Foxy Monkey\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">FIRE<\/h2>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"The negative aspects of early retirement (Financial Samurai) (opens in a new tab)\" href=\"https:\/\/www.financialsamurai.com\/the-negatives-of-early-retirement-life-nobody-likes-to-talks-about\/\" target=\"_blank\">The negative aspects of early retirement (Financial Samurai)<\/a> &#8211; 13 mins<br>Everyone talks about why it&#8217;s awesome to achieve <a href=\"https:\/\/www.foxymonkey.com\/?s=financial+independence\">Financial Independence<\/a> \/ Early Retirement. But no one likes to talk about the negative aspects of it. Maybe as more people transition to FIRE (as RetirementInvestingToday <a rel=\"noreferrer noopener\" aria-label=\"just did (opens in a new tab)\" href=\"http:\/\/www.retirementinvestingtoday.com\/2018\/12\/moving-to-cyprus-from-uk-part-1.html\" target=\"_blank\">just did<\/a>) people will start talking about it. For example, possible loneliness, the loss of the &#8220;imposed&#8221; social circle thanks to work, the boredom, the importance of having hobbies, finding meaning in life and other things people overlook. Financial samurai nailed it.<br><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Money is power (Monevator) (opens in a new tab)\" href=\"https:\/\/monevator.com\/money-is-power\/ \" target=\"_blank\">Money is power (Monevator)<\/a> &#8211; 5 mins<br>Controversial. Read at your own risk. The reason he&#8217;s single (his words not mine!). I don&#8217;t agree with everything TI says like putting a monetary value on experiences other than your day-to-day living. Or not taking any expensive holidays. But here&#8217;s what I keep out of this: Try to build a sustainable happy in your daily life, so you don&#8217;t eagerly await to live in those 4-6 weeks a year that holidays kick in. It&#8217;s like, small happy experiences here and there will &#8220;outperform&#8221; the big ones that we plan twice a year. And will leave us with more money in the bank too. That makes sense? :S<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Young, High Savings Rate &amp; Index Fund Investing? You\u2019re doing it wrong (opens in a new tab)\" href=\"https:\/\/guyonfire.us\/doing-it-wrong\/\" target=\"_blank\">Young, High Savings Rate &amp; Index Fund Investing? You\u2019re doing it wrong&nbsp;(Guy&nbsp;on&nbsp;Fire)<\/a> &#8211; 3 mins<br>Another controversial one! Albeit a clickbait article, indexing and high savings are obviously good habits. But taking risks when you&#8217;re young to build a company for example, may be more beneficial to you rather than following the standard way of FIREing.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"How to retire forever on a fixed chunk of money (Mr Money Mustache) (opens in a new tab)\" href=\"http:\/\/www.mrmoneymustache.com\/2018\/11\/29\/how-to-retire-forever-on-a-fixed-chunk-of-money\" target=\"_blank\">How to retire forever on a fixed chunk of money (Mr Money Mustache)<\/a> &#8211; 10 mins<br>The absolute key to success in early retirement, and indeed most areas of life, is to get the big picture approximately right and not sweat the small stuff. And design the big picture with a generous Safety Margin, which allows lots of slop and mistakes in your original forecasts and allows you to still come out with a surplus. It doesn\u2019t matter how you have your investments split up between normal investments and retirement accounts. It just matters how much you have in total. Don&#8217;t suffer from <a rel=\"noreferrer noopener\" aria-label=\"mental accounting (opens in a new tab)\" href=\"https:\/\/monevator.com\/house-prices-mental-accounting-and-leaky-buckets\/\" target=\"_blank\">mental accounting<\/a> (monevator).<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Investing<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.starcapital.de\/en\/research\/stock-market-valuation\/\">Valuation Ratios per country (PB, PC, PE, PS, Dividend Yield) (Star Capital) <\/a><br>Academic research has shown that undervalued equity markets have achieved higher future returns in the long run than their overvalued counterparts. Hint: Russia, Hungary, Turkey and China are the cheapest. US expensive, UK somewhere in the middle. Reminds me of what Cullen Roche and Meb Faber preach when they talk about CAPE investing, countercyclical indexing etc. But who has the guts to invest in Russia right now?<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Recent market view from Ray Dalio (opens in a new tab)\" href=\"https:\/\/www.linkedin.com\/pulse\/help-put-recent-economic-market-moves-perspective-ray-dalio\" target=\"_blank\">Market and Economic view from Ray Dalio&nbsp;(LinkedIn)<\/a> &#8211; 23 mins<br>The legendary investor shares his views on the market. He has previously published the very successful &#8220;How the economic machine works&#8221; <a rel=\"noreferrer noopener\" aria-label=\"YouTube video (opens in a new tab)\" href=\"https:\/\/www.economicprinciples.org\/\" target=\"_blank\">YouTube video<\/a> and his market cycle commentary is golden.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates.jpg\"><img decoding=\"async\" width=\"940\" height=\"537\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates.jpg\" alt=\"GDP estimates\" class=\"wp-image-5217 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates.jpg 940w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates-300x171.jpg 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates-768x439.jpg 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><noscript><img decoding=\"async\" width=\"940\" height=\"537\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates.jpg\" alt=\"GDP estimates\" class=\"wp-image-5217 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates.jpg 940w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates-300x171.jpg 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/GDP-estimates-768x439.jpg 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/noscript><\/a><\/figure>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"GDP Projections by PWC (2025, 2050) (opens in a new tab)\" href=\"https:\/\/www.theguardian.com\/news\/datablog\/2011\/jan\/07\/gdp-projections-china-us-uk-brazil\" target=\"_blank\">GDP Projections by PWC (2025, 2050) (The&nbsp;Guardian)<\/a> &#8211; 3 mins<br>How China, India and Brazil will overtake the west. Maybe it&#8217;s time we overbalance to <a rel=\"noreferrer noopener\" aria-label=\"MSCI EM IMI (opens in a new tab)\" href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/264659\/ishares-msci-emerging-markets-imi-ucits-etf#\/\" target=\"_blank\">MSCI EM IMI<\/a> ;)<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"TIP213: Precious metal investing: Gold, Silver &amp; Platinum with David McAlvany [Podcast] (The Investors Podcast) (opens in a new tab)\" href=\"https:\/\/www.theinvestorspodcast.com\/episodes\/tip213-precious-metal-investing-gold-silver-platinum-w-david-mcalvany\/\" target=\"_blank\">TIP213: Precious metal investing: Gold, Silver &amp; Platinum with David McAlvany [Podcast] (The Investors Podcast)<\/a><br>How should gold be allocated in a portfolio? &nbsp;Should we use the Dow Jones\u2019s ratio to the price of gold as a buy or sell signal as <a rel=\"noreferrer noopener\" aria-label=\"How to Own the World (opens in a new tab)\" href=\"https:\/\/www.foxymonkey.com\/recommends\/how-to-own-the-world\/\" target=\"_blank\">How to Own the World<\/a> book also suggests? A nice episode by two value investors talking to a gold guy.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Meb\u2019s Take on Return Expectations, Portfolio Construction, and Practical Market Approaches  [Podcast] (Meb Faber) (opens in a new tab)\" href=\"https:\/\/mebfaber.com\/2018\/11\/14\/episode-129-mebs-take-on-return-expectations-portfolio-construction-and-practical-market-approaches\/\" target=\"_blank\">Meb\u2019s Take on Return Expectations, Portfolio Construction, and Practical Market Approaches [Podcast] (Meb Faber)<\/a> &#8211; 1h 6 mins<br>A solo Meb Faber episode for all the fundamental geeks out there. I quite like the guy he&#8217;s down to earth despite being famous in the investing circles. In this episode, I particularly liked how he explains the fundamentals to find the expected market return. E.g. the Jack Bogle\u2019s formula for anticipating returns. Future 10-year returns = starting dividend yield + future dividend growth + change in valuation.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"10 Principles to Live an Antifragile Life (Farnham Street) (opens in a new tab)\" href=\"https:\/\/fs.blog\/2014\/10\/an-antifragile-way-of-life\/\" target=\"_blank\">10 Principles to Live an Antifragile Life (Farnham Street)<\/a> &#8211; 2 mins<br>A simple, easy to read article on how to protect yourself from randomness and leave less to lady luck.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"3 Reasons to Hold Long Bonds as Short Rates Rise (opens in a new tab)\" href=\"https:\/\/www.pragcap.com\/3-reasons-hold-long-bonds-short-rates-rise\/\" target=\"_blank\">3 Reasons to Hold Long Bonds as Short Rates Rise&nbsp;(Prag&nbsp;Cap)<\/a> &#8211; 2 mins<br>If you think long-term bonds are for losers, then read this piece. I like how Buffet says that the stock market is just a high-quality high-yield bond but it&#8217;s missing the coupon tag. Long-term bonds, therefore, help to reduce the average waiting time.<br>And related: <a rel=\"noreferrer noopener\" aria-label=\"How to overcome the fear of bonds (opens in a new tab)\" href=\"http:\/\/ https:\/\/www.pragcap.com\/overcome-fear-bonds\/\" target=\"_blank\">How to overcome your fear of bonds<\/a>.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Cullen Roche debunking Crypto myths (opens in a new tab)\" href=\"https:\/\/www.pragcap.com\/worst-narrative-cryptocurrencies\/ \" target=\"_blank\">Cullen Roche debunking Crypto myths&nbsp;(Prag&nbsp;Cap)<\/a> &#8211; 3 mins<br>And doing it quite well in my opinion. Concepts like governments are bad and manipulative, they have full control over the economy, etc.<br><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Recession: inevitable, but is it imminent? (Lending Works) (opens in a new tab)\" href=\"https:\/\/www.lendingworks.co.uk\/blog-post\/recession-Inevitable-Imminent\" target=\"_blank\">Recession: inevitable, but is it imminent? (Lending Works)<\/a> &#8211; 5 mins<br><a rel=\"noreferrer noopener\" aria-label=\"Lending Works (opens in a new tab)\" href=\"https:\/\/www.foxymonkey.com\/recommends\/lendingworks\/\" target=\"_blank\"><\/a>Lending Works is a peer-to-peer lending service. I quite like their monthly blog posts as they&#8217;re not trying to flatter. Plus they&#8217;re doing quite well as a platform growing their assets. The returns are 6.5% for the loans up to 5 years and 5% for the 3-year ones. If you <a rel=\"noreferrer noopener\" aria-label=\"register using my link (opens in a new tab)\" href=\"https:\/\/www.foxymonkey.com\/recommends\/lendingworks\/\" target=\"_blank\">register using this link<\/a> we&#8217;ll share \u00a3100.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Vanguard economic and market outlook for 2019 (opens in a new tab)\" href=\"https:\/\/www.vanguardinvestor.co.uk\/articles\/latest-thoughts\/markets-economy\/vanguard-economic-market-outlook-2019\" target=\"_blank\">Vanguard economic and market outlook for 2019&nbsp;(Vanguard)<\/a> &#8211; 3 mins<br>Yes, there are trade wars, Brexit and global growth slowdown. But Vanguard doesn&#8217;t think a recession is imminent. Modest growth and ~2% inflation. 10-year global equity returns lower than expected in the range of 3-5%. Fixed income for UK investors at 1-2.5%, slightly higher than last year. So if your IFA promised you 7-10% <em>business as usual<\/em>, maybe it&#8217;s time you reconsider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Side hustling &#8211; Entrepreneurial<\/h2>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Ep 306: How to start a business you care about - With no business ideas and no money [Podcast] (Side Hustle Nation) (opens in a new tab)\" href=\"https:\/\/www.sidehustlenation.com\/how-to-start-a-business-you-care-about\/\" target=\"_blank\">Ep 306: How to start a business you care about &#8211; With no business ideas and no money [Podcast] (Side Hustle Nation)<\/a><br>One of the best episodes of Nick Loper. He invited the founder of Popup Business School, Alan Donegan who by the way is a British guy. They talk about how to find your next business idea based on your passions, how to bootstrap it and demonstrates the &#8220;start small&#8221; principles.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"You have no competition (Of Dollars And Data) (opens in a new tab)\" href=\"https:\/\/ofdollarsanddata.com\/you-have-no-competition\/\" target=\"_blank\">You have no competition (Of Dollars And Data)<\/a> &#8211; 5 mins<br>Competition matters very little when you do a great job in improving yourself. In fact, spending time focusing on your competition is time not spent improving your product\/self\/career whatever that may be. Sometimes, competition is good. I don&#8217;t see other personal finance blogs as competitors. The most obvious proof of this statement being the Gemfinder articles where I happily send people to my &#8220;competitors&#8221;. But I focus on creating something of value to my readers so that they come here often. After Jordan\u2019s final game in the NBA, Tony Robbins asked him, &#8220;What sets you apart?&#8221; Jordan\u2019s response was electrifying:<br><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><em>Every day, I demand more from myself than anybody else could humanly expect. I\u2019m not competing with somebody else. I\u2019m competing with what I\u2019m capable of.<\/em><\/p><cite>Michael Jordan<\/cite><\/blockquote>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"How profitable are small restaurants? (Quora) (opens in a new tab)\" href=\"https:\/\/www.quora.com\/How-profitable-are-small-restaurants\" target=\"_blank\">How profitable are small restaurants? (Quora)<\/a> &#8211; 3 mins<br>Although the answers are mostly US-based, there are some interesting insights in case you&#8217;re curious or want to open a restaurant.<br><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Seth Godin A Kimbo podcast (opens in a new tab)\" href=\"https:\/\/www.akimbo.me\/\" target=\"_blank\">Seth Godin A Kimbo podcast<\/a><br>If you&#8217;re in entrepreneurship, you have a product, a website or even a mailing list you should listen to this. Seth&#8217;s messages are very powerful and convincing. Sometimes he is too abstract, but he usually conveys his ideas with stories which <g class=\"gr_ gr_54 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar multiReplace\" id=\"54\" data-gr-id=\"54\">is<\/g> great. I started from the first episode and I&#8217;m still going.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Property<\/h2>\n\n\n\n<p>Brexit looks like it will affect the UK property market. But at the same time, the actual facts say otherwise. <a rel=\"noreferrer noopener\" aria-label=\"Northern cities keep growing (opens in a new tab)\" href=\"https:\/\/www.thisismoney.co.uk\/money\/mortgageshome\/article-6434197\/New-research-claims-Brexits-impact-housing-market-appears-muted.html\" target=\"_blank\">Northern cities keep growing<\/a>. Net migration sits at the <a rel=\"noreferrer noopener\" aria-label=\"same levels as before (opens in a new tab)\" href=\"https:\/\/www.bbc.co.uk\/news\/uk-46384417\" target=\"_blank\">same levels as before<\/a>, therefore keeping the housing demand very high. London and the southeast is a different story in my view. The 14x average price to average wage ratio should not be sustained with or without Brexit. Therefore, a -0.8% annual drop <a href=\"https:\/\/www.nationwide.co.uk\/-\/media\/MainSite\/documents\/about\/house-price-index\/2018\/Dec_Q4_2018.pdf\">(Nationwide&nbsp;housing report&nbsp;Page&nbsp;3)<\/a> is actually better than expected.<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.foxymonkey.com\/property-partner-experiment-1\/\" target=\"_blank\">The Property Partner experiment (Foxy Monkey)<\/a> &#8211; 6 min<br>My most recent property discovery! I think real estate crowdfunding is the future. Which is why I&#8217;m investing \u00a350,000 over the next 5 years (I&#8217;m currently at \u00a312,500). Crowdfunding gives investors the ability to diversify in multiple properties starting with \u00a3100. It will unlock opportunities to the private investor previously available only to the big institutions. University accommodation, for example, was an income-producing asset class only available to institutions or the very rich. You couldn&#8217;t really go and buy one flat in a PBSA. <a rel=\"noreferrer noopener\" aria-label=\"Property Partner also offers a secondary market (opens in a new tab)\" href=\"https:\/\/www.foxymonkey.com\/recommends\/pp-gq418\/\" target=\"_blank\">Property Partner also offers a secondary market<\/a> where you can sell your property to other investors.<\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe class=\"lazyload\" width=\"1200\" height=\"675\" data-src=\"https:\/\/www.youtube.com\/embed\/f5SE47Xjx2Q?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><figcaption>A very interesting video explaining why 50 million Chinese homes are empty. I didn&#8217;t know Chinese people are so obsessed with property. Apparently it&#8217;s part of the culture too (Britain, you&#8217;re not alone!)<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Something different<\/h2>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Drive Now (opens in a new tab)\" href=\"https:\/\/www.drive-now.com\/gb\/en\/london\" target=\"_blank\">Drive Now<\/a> &#8211; Not an article, but a new awesome car-hire by the minute service that a friend introduced me to (hi Nick!). I used it heavily in December as it&#8217;s cheaper than an Uber and those Mini Coopers make my wife happy. I&#8217;m writing a review about it soon. I want to compare it against the cost of owning a similar car, fuel, depreciation etc.<br>If you <a rel=\"noreferrer noopener\" aria-label=\"register using my link (opens in a new tab)\" href=\"https:\/\/www.foxymonkey.com\/recommends\/drivenow\/\" target=\"_blank\">register using my link<\/a> we both get 30 mins of free driving (plus free registration, normally \u00a329).<br><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"The man who sold shares of himself (opens in a new tab)\" href=\"https:\/\/thehustle.co\/mike-merrill-shares\" target=\"_blank\">The man who sold shares of himself&nbsp;(The&nbsp;Hustle)<\/a> &#8211; 6 mins<br>So this guy IPO&#8217;d himself :) No kidding. I won&#8217;t spoil the fun of reading the article but I will just say this: All his important life decisions are taken by his shareholders!<\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Build your Stax [Game] (opens in a new tab)\" href=\"https:\/\/buildyourstax.com\/\" target=\"_blank\">Build your Stax [Game]<\/a><br>You have 20 years to build your wealth. Play responsibly ;)<\/p>\n\n\n\n<p><a href=\"https:\/\/www.foxymonkey.com\/recommends\/factfulness-book\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"[Book] Factfulness (opens in a new tab)\">[Book] Factfulness<\/a><br>Our world is getting better by any measure. More people are educated, move to middle-class level, access to medication and vaccines. A really insightful view of the &#8220;emerging&#8221; world today despite what other people think.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.foxymonkey.com\/recommends\/factfulness-book\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"194\" height=\"300\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/factfulness-img-2-194x300.jpg\" alt=\"\" class=\"wp-image-5204 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/factfulness-img-2-194x300.jpg 194w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/factfulness-img-2.jpg 400w\" sizes=\"(max-width: 194px) 100vw, 194px\" \/><noscript><img decoding=\"async\" width=\"194\" height=\"300\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/factfulness-img-2-194x300.jpg\" alt=\"\" class=\"wp-image-5204 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/factfulness-img-2-194x300.jpg 194w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/factfulness-img-2.jpg 400w\" sizes=\"(max-width: 194px) 100vw, 194px\" \/><\/noscript><\/a><\/figure>\n\n\n\n<p><br><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" aria-label=\"Noone is crazy (Collaborative Fund) (opens in a new tab)\" href=\"https:\/\/www.collaborativefund.com\/blog\/no-one-is-crazy\/\" target=\"_blank\">Noone is crazy (Collaborative Fund)<\/a> &#8211; 5 mins<br><em>The lowest-income households in the U.S. on average spend $412 annually on lottery tickets<\/em>. 40% of households do not have this money lying around for a rainy day. Are these people crazy? No. Buying hundreds of lottery tickets a year may be a bad financial decision but I understand why they did it.<\/p>\n\n\n\n<p><em>Any good suggestions for the next Gemfinder? Send me an e-mail at&nbsp;michael@foxymonkey.com.<\/em><\/p>\n\n\n\n<p>PS Here&#8217;s what I&#8217;ve been watching lately:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" aria-label=\"BlackMirror Bandersnatch (opens in a new tab)\" href=\"https:\/\/www.netflix.com\/title\/80988062\" target=\"_blank\">BlackMirror Bandersnatch<\/a> (Netflix) &#8211; Movie<\/li><li><a rel=\"noreferrer noopener\" aria-label=\"Ozark (opens in a new tab)\" href=\"https:\/\/www.netflix.com\/title\/80117552\" target=\"_blank\">Ozark<\/a> (Netflix) &#8211; Series<\/li><li><a href=\"https:\/\/www.imdb.com\/title\/tt7040874\/?ref_=nv_sr_1\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"A Simple Favor (opens in a new tab)\">A Simple Favor<\/a> (2018) &#8211; Movie<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yesterday I was listening to a podcast episode, as I usually do when I go to the grocery store. Tim Ferris was asking Seth Godin &#8230; <a title=\"The Gemfinder Q1 2019 &#8211; Q4 2018\" class=\"read-more\" href=\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\" aria-label=\"More on The Gemfinder Q1 2019 &#8211; Q4 2018\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":5222,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[156],"tags":[209],"class_list":["post-5183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reading","tag-gemfinder"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Gemfinder Q1 2019 - Q4 2018 - Foxy Monkey<\/title>\n<meta name=\"description\" content=\"The Gemfinder lists all important articles, books, podcasts resources I find. Topics are about investing, financial independence and market psychology.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Gemfinder Q1 2019 - Q4 2018 - Foxy Monkey\" \/>\n<meta property=\"og:description\" content=\"The Gemfinder lists all important articles, books, podcasts resources I find. Topics are about investing, financial independence and market psychology.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\" \/>\n<meta property=\"og:site_name\" content=\"Foxy Monkey\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FoxyMonkeyClub\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/FoxyMonkeyClub\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-06T10:49:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-01-06T11:19:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Michael\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/FoxyMonkey\" \/>\n<meta name=\"twitter:site\" content=\"@FoxyMonkey\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michael\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\"},\"author\":{\"name\":\"Michael\",\"@id\":\"https:\/\/www.foxymonkey.com\/#\/schema\/person\/6ca5e1293925d70f573a54a0de216dd3\"},\"headline\":\"The Gemfinder Q1 2019 &#8211; Q4 2018\",\"datePublished\":\"2019-01-06T10:49:34+00:00\",\"dateModified\":\"2019-01-06T11:19:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\"},\"wordCount\":2024,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/www.foxymonkey.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg\",\"keywords\":[\"gemfinder\"],\"articleSection\":[\"Reading\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\",\"url\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/\",\"name\":\"The Gemfinder Q1 2019 - Q4 2018 - Foxy Monkey\",\"isPartOf\":{\"@id\":\"https:\/\/www.foxymonkey.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.foxymonkey.com\/gemfinder-q1-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2019\/01\/bernstein-6579_640.jpg\",\"datePublished\":\"2019-01-06T10:49:34+00:00\",\"dateModified\":\"2019-01-06T11:19:59+00:00\",\"description\":\"The Gemfinder lists all important articles, books, podcasts resources I find. 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