July update, 2018

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Part of a series:
Another reminder of mortality
Day 4 - Tumor in my liver
First week - tumor in my liver
Second week - tumor in my liver
Third week with liver cancer
Liver cancer, surgery
6 weeks post-op, news time
Cancer update
Liver cancer, Post-op 2
June Update 2018

July update, 2018
Chemo day 1 and 2

Chemo first cycle

Investing: Bank & Candy maker.. Both got a building block this month.

Cancer update: Second surgery turned out to be good. So no tumor left, the doctors will discuss if they'll put in chemo during next week. If so, then it will start ASAP, otherwise its done. So more information during the next week. But so far, knowing that they removed the tumors gives hope : )

The actual surgery wound in my chest has started to heal itself with record speed during the last 10 days meaning there is hope that it will be all healed during this month... I'll be home from work for another month and then try to start working again. Still no energy, evidently my blood value is still pretty low (101).
So far a good start for the month.


Why I am writing this? Not to feel sorry for myself, but as a way to handle the situation and hopefully someone else out there in a similar situation can find this helpful as well. The human body is strong and hopefully I'll come out of this stronger as well. Plan for the worst and hope for the best!

June Update 2018

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Part of a series:
Another reminder of mortality
Day 4 - Tumor in my liver
First week - tumor in my liver
Second week - tumor in my liver
Third week with liver cancer
Liver cancer, surgery
6 weeks post-op, news time
Cancer update
Liver cancer, Post-op 2
June Update 2018

July update, 2018
Chemo day 1 and 2

Chemo first cycle

So another update. Noticed that I didn't post any 'My Current Plan' post for May, and I don't really have anything breaking for June.
Looking back I invested that the may building brick in the bank... And I did the same for June.

More important stuff then investing (that still needs to go on, but not the top priority in my head) is the cancer progress.

So, today it is 2 weeks and 1 day since I went into surgery for the second time this year. Hopefully they got the last part of the tumor this time... They were not 100% sure last time, hence the second surgery. I will not receive any news regarding that until the analysis is done in a couple of weeks.
In the meanwhile the cut is healing, a little worse complications on the actual cut compared to last time. Have 3 holes that do not want to heal, so been to the hospital once per day for a week. But the progress seems good as we will jump over tomorrow and see how it heals in 2 days without cleaning.

The second surgery was a bigger mental hit then the first one. One of the things that really got to me was that I was able to get physically fit again just in time for the surgery. That was the plan all the time, to train hard and be on top performance so that the rehabilitation time would be shorter. But still, it gets to me. 16 days ago I was able to cycle and climb hills and now I just sit here and watch TV again.. I must not use my abdominal muscles for another 6 weeks to prevent complications.
Another mental thing is that I cry... I did that last time also, but it seems like the fact that I do have cancer is starting to get to me. But pretty much anything can trigger the tears, just from watching TV, listening to the radio or reading a book or magazine. I will have to learn to accept that I am affected I guess. Cancer is a big deal and I don't think that the reality really has hit me yet. But each day is a struggle to not let the feelings get the upper hand. I do not want to become a wreck. Focus on the small things, each little walk outdoors, every line coded on my game. Try to keep the mind occupied and body at rest. : )

Why I am writing this? Not to feel sorry for myself, but as a way to handle the situation and hopefully someone else out there in a similar situation can find this helpful as well. The human body is strong and hopefully I'll come out of this stronger as well. Plan for the worst and hope for the best!

My current plan, April 2018

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Bank went down 20%..
So, just in time for reinvestment it is on a nice sale... Good...
A no brainer decision. Just stick to the plan and buy...
Dividends this year were quite large so a lot of extra investment power this month..

In other news, I am waiting for news on the new surgery.. Did another CT scan last week and this week I am back to work at 50%.
Not much else going on so I'll keep this short.

Until next time: Challenge yourself to do something new

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, Mars 2018

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Greetings from a snowy Sweden, during the previous week we have had at -15C!

I don't know about my decision last month. I did not do my research as I always do, I did not read all the reports for the 10 last years and I think I did the wrong move. Oh well, I guess I will live with the decision and time will tell if it was a good one or a bad one. Speculation, not investment... I guess I was stressed about everything else that was going on at the same time...
In hindsight I should just have bought the index instead of diversifying into another company. But oh well. In the long run I guess this will turn out good, just not going to put more money on it.

So a new rule:

If you are unsure, buy the index. 

Pretty much the best practice I tell others to do. But ... ah, a new month with new opportunities.

Last few weeks (since February 5th) I've really not been paying attention to anything as I went through a large liver surgery where they removed a cancer tumor. Just tried to take it easy and get more energy and heal up. So today I did some catching up on the companies.

This month I will again put the building block into the bank, the candy maker is still a little high in price from the extra dividend payout I guess. No real news from any of the companies since the reports in January.

Until next time: Challenge yourself to do something new

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, February 2018

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So evidently I did not have a My current plan post for January, but I think I got it covered in all the other posts I made last month.

So, plan for February. Survive and get rid of the cancer in my liver.

Investment news are in. My favorite candy maker released their annual report.. They did not raise their ordinary dividend this year, it will be the same as last year but they double it with the same amount in extra dividend. So yay for us as we have bought even more shares during the year. The share also went up 8% on the report but that is not so important for me as I am not selling in the near future... Just means that I probably will not buy more of the shares before the dividend has been removed from the price.
The bank that I invest in raised their dividend with the expected 0.25 SEK. Still a strong report. No big surprises.

So the question is where should I put this months investment?
Candy maker is out as the market is after the extra dividends, I am not going to pay the extra 8 per cent for the 5 per cent dividend.
Bank is still a nice option. It did not gain the extra weight after the annual report, but knowing the market it will still drop the amount after the payout.
Other options? Going through my short list and nothing that is interesting... So I've read some reports from various companies and done some research, one of the clothing companies that were on my short list and the one that I've kept track of most did a blunder this year. They allowed in some uncertainty in their dividends program with the option to receive shares instead of dividends. This is an alarm if anything....
In the end: Will it be the bank or something new? Not the best month to buy into stuff as the market is wild after the overall pretty good report season but one thing popped out. Two companies with really RED numbers. One, I already dismissed above as they also made a dividend change that reeks of bankruptcy, but the other.. Well... Evidently one of the large owners did a big buy in directly after the report and knowing how his investments usually go, long term and real changes, I will do the same. So welcome to the third business in my portfolio: the telecom services provider.
(I am not counting the bonus shares received from my employer as I did not make an active choice and will not buy more on my own as long as I work there.). For the first investment I am throwing in some extra cash from our savings account to get it off the ground.
From now on each month I will have 3 choices for my money maker:

• Candy maker
• Bank
• Telcom services provider

And as always I am not namedropping the companies as I think that you, the reader, should do your own research and not follow my lead. Read up on reports, find your own plan (I recommend index funds if you want minimum hassle) and follow it.

Until next time: Challenge yourself to do something new

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 December

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Another month, another November is behind us...
So yesterday I added another building block to the money-maker... Last few weeks the market has kinda turned for my two companies, so this month I think that I got the bank for a nice price. Got lucky as today the Swedish banks turned up again thanks to progress in the brexit negotiations. Doing this month by month grinding it really doesn't matter as I will buy each month but it is always nice to see a bargain and be able to act on it.

Received a raise that actually made an impact this time that will be paid retroactively with my next paycheck, so next month I will be investing a bit more (or buying an adventure bike, haven't decided). The long term plan is if course to put that raise into savings and investing directly instead of using it each month.. We have been able to survive without that extra money so far and the living costs are not rising currently, so no need to spend it. Will hopefully increase the building block size each month!


Until next time, why not Stabilize your economy. Buffer and Savings

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 November

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Another month has passed.
This month I invested a building block in the candy maker. The reasons behind the decision was because had dropped to red numbers, i.e. I was loosing money.
Knowing that it is a stable company and that I still have trust in the management team and chairman I decided to invest into the price drop and thus getting more for the invested money.

Until next time, why not Stabilize your economy. Buffer and Savings

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 October

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Another one has gone by but my plan still stands.
During the last month the markets have risen to new levels and there seems to be a lot of activity in the economical news. Each day there is a new prophecy and I just try to ignore them. It is interesting to actually follow a bull market when you are invested in it yourself, but still knowing that you have a completely different plan compared to the one that the market junkies try to sell.

My plan is still to methodically buy each month. And then hold them for a long period of time. I only have two options (still haven't found anything else that fits my own requirements and has good investor relations). This time, it was the bank again.

The My Plan posts on this blog are both a way to motivate myself to continue as there is not that much action in this way of investing and to inspire others to try out the dollar cost averaging method of investing.


Until next time: Challenge yourself to do something new

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 September

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August went by fast this year. 4 weeks of vacation spent 2 weeks preparing for our wedding, celebrating the weekend and then trying to relax for the last 2 weeks with a road trip and camping. Best vacation in years.
But now, we're back at work and the days are getting shorter again.

Last couple of weeks I've noticed a new intensity on the articles predicting a market decline. And as I've stated before, I almost hope it happens as I think that my plan is actually would thrive in a downturn.
Luckily I don't need to be able to predict the market, I'll just stick to my plan of adding a building block to my money machine each month and in the end it will pay me back.

This month, another building block put in. This time the bank.

Short one this month as I am working on a project in the few free hours I have.


Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 August

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Vacation at last, this year a bit later then usually. Basically people started coming back to work before we left. But this time we had a reason. We are getting married on Saturday, and we need the 2 weeks before to prepare and then 2 weeks after for actual vacation. More on the wedding on another post with all the info on preparing, budget etc.
As you can understand, I do not have that much extra time at the moment, all the time goes to preparing or sleeping. But, still sticking to the plan.

Investments this month 

The plan investment went to the candy maker, as they are a steady company that deliver but their share dropped after their quarter report. I.e. it was on sale based on my own book.
Extra investment, the same one time cash deposit that we received last month. Second half got invested this month. Didn't want to put it all in at once, so went by a small dollar cost averaging scheme and split it to 2 months to invest. Both the bank and candy maker was split 50-50. By far larger then the monthly investment.


Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, July 2017

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This will just be a progress update making sure that I am still on track with the plan. This month some extra investing ability and thus throwing in a building block for both the bank and candy manufacturer.

Last month I've been very busy at work and not had much energy to tinker about financial stuff. A lot of extra hours have been put in and ended up in a discussion about how to collect the extra reward. Some chose to collect it as time, i.e. for every overtime hour you put in you get 2 back (or something like that), or you get the overtime payment in cash. My choice is always cash, as I need it to create the next building block in our money making machine. So basically the choice is to have a little more spare time now or have a lot of it later when you retire. So my choice is easy because I have my plan that I follow each month. But for other people, they have their own plans and I guess it works for them.

A little extra grinding now to be able to reap the rewards for real later is my plan, and I am still sticking to it.

Other then that I launched another sister blog to this one, this time related to gaming. I find it a really relaxing form of activity, normally I am not relaxed enough to read a book other then on a vacation.. But gaming gets my mind to other places and it works for me. So I thought that why not start writing a little about that too. Mostly guides and youtube videos for now but who knows where it will evolve over time.

Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 June

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Yep, another month has passed by and the last week pretty much rained by.
I have been quite busy at work for the last few weeks, and haven't really been in the mood to follow the news when not at work. Instead I've spent more time then I would like to acknowledge playing Tom Clancy's Ghost Recon Wildlands on the Xbox One and building a floor to our pergola in the garden. It is months like these that routine and a simple plan makes the difference. So this month 'flip of coin', the bank. So another building block added to the money making machine.

This month is also the month of tax returns here in Sweden, so another extra block will be added in the coming week.

No big update this month.

Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 May

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Another month has passed and the outside world is moving in a leisurely way.
The terror attack on Stockholm was solved fast, I am quite impressed with how fast a small country like Sweden was able to mobilize its police force and take control of the situation.
On other news, the Brexit carousel is moving forward at a steady pace but it seems like the markets don't really care as prices are still moving upward. I am currently waiting on a correction to happen but just like all other timings of the market, I'm not really counting on it.

Q1 report season passed during April, nothing new on the companies that I am focused on. They are still 2 good companies that grow.. So why should I look elsewhere?

So. Stick to the plan, continue to buy one of my 2 options, this month I ended up buying the bank. As a happy surprise my own bank Länsförsäkringar had lowered the brokerage fee from 100 SEK to 20 SEK. This actually makes a huge impact on my small transactions each month. Just to give an example:

Share price	Broker fee	Shares bought	Total fee	Total price per share	Overhead per share
82,15 SEK	99	16		88,69 SEK	6,54 SEK
85,15 SEK	99	19		89,58 SEK	4,43 SEK
77,20 SEK	99	23		81,39 SEK	4,19 SEK
102,30 SEK	99	18		107,80 SEK	5,50 SEK
105,60 SEK	20	20		106,40 SEK	0,80 SEK

So, no large sums. But as I've said before, I'm just starting out. But from the example above the benefit of lower brokerage fee is clearly seen on the overhead per share. Buying with a high brokerage fee is like buying at a higher price then you thought you did.
Make sure that you always record both the market price of the share you bought and the actual total fee you paid to make a follow up.

But enough of that for now. Spring is here, 20 degrees Celsius in the sun and I'm enjoying a bottle of homemade cider.

Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 April

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This is a day of sorrow, this is the day when Sweden got targeted in a terror attack.
I do not have words, got the information around 1530 when I was leaving work. Apparently a truck rammed a busy shopping street (walking street) and. 15 hurt and 4 dead as we speak.
Svd published a lot of pictures that tell stories.

Currently following the events unfold on live TV.

My biggest fear is that this will boost the racist trolls that are taking over in Sweden. There are extremists in every society, country, political wing and religion. Don't fight refugees, fight extremism.
I do hope that the Swedish government acts in a calm way.

As this is my planned 'My current plan' I have to do this update as well as during my lunch break (3 hours before the attack) I followed my original plan and bought more shares in my favorite candy shop. This time the buy was boosted by this years dividend payouts. The dividend payout was 3 times more then last year. A good result but it is dimmed by today's events and I really do not want to think about economics today.

My thoughts are with the families of the victims of the attack. Be strong!
Be sure to follow #openstockholm on twitter where people are helping each other, actually genuine caring. Warms my hearth.

Be strong!

My current plan, 2017 Mars

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Another month has passed and this week we had a third winter during this winter here in Sweden. I.e. another snow-storm and now it has melted away.

I haven't really paid any attention to the outside world the past weeks, been busy at work and focusing on rehab training.
So, this will be another issue of stick to the plan for our financial goals but as always there has been some smaller hiccups that needs to be handled.
Evidently I really picked the wrong field in university, should have gone to law school. We had to hire a lawyer for a estate split and man, they know how to earn.
Luckily, we have a buffer to take from so it is not actually affecting our day to day economy but for some other parts involved, not as easy. We'll see how to handle that, but for once it feels good that being a little bit boring pays the bills at the end of the month.
When this is all over, we need to sit down and figure out if we need a regular lawyer and start paying for one in advance to mitigate a little. Need to look at some figures to see if it is the smart move. But currently, not really the time to do it.

On the investment side of things this month ended up buying into my favorite bank once again. I was a little nervous some months ago if I would have the strength to keep buying in a rising market but seems like I will stick to the plan. Last year was a down year and at the end buying in both ups and downs will gain more shares in the companies and a bigger part of the dividends per year. Not counting our future on any market timing schemes, just continuing to buy and buy in established dividend paying companies.

Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 February

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A lot has happened since my last plan update in January.

• Trump swore in as POTUS
• Theresa May published a report on how they will do the BREXIT
• I went to the hospital and am on a sick-leave
• My favorite bank and candy maker both published nice reports

So how to tackle this all, by not doing a single thing other then following my plan. And still, my plan holds. This month I was tested as the bank stock was at its highest since I started buying, but as the plan states I shall buy shares every month until something better comes along... That is what I will do. But yes, this month it was a small psychological battle. But good to see that I made it :)

The news about the world being in turmoil should not affect my plan other then give opportunities and forward I will look at the report period that is coming to see if anything catches my eye. I.e. being better then the two I already hoard.

So my sick-leave was prolonged to 3 weeks in total and 1 week halftime after that. So I will have all the time in the world to read reports and look at that kind of stuff.
Also, I've been thinking a lot on mortality, and unexpected things happening and wrote a little about keeping all the paperwork up to date in case something happens.

On a happier note, the dividend payout from the bank and candy manufacturer is up to 1 extra deposit per year after 2 years. Meaning that if I put away say $20 per month (fictive number), the dividend payout for this year is $20. And that feels great, there is actually some progress in this. Last year it was a third of that.

Lets finish this post off with a video of one of our cats, Pixel (2.5 year female) playing in the sofa.

Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2017 January

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Happy New Year!!!

A really lazy start of the year, as it should be...
The holidays are over, work is back to normal and this months investment went into my favorite candy company.
Why the candy company? It just felt that right...
My choice each month is either the bank or the candy company or find something more profitable. For the last few months the choice has been the bank, and now it was the candy company's turn just to keep some resemblance of balance between the two.

Last year was a good year, the money invested during the year also managed to grow 9,95%. So now to look forward to this year.

In a few weeks the annual report season starts (at least for me, some companies I guess have already started). Be sure to read up on my Annual Report series for ideas to keep in mind while reading the reports.. You are reading the reports yourself and not just some speculative analysis? Right?

• The Annual Report (Management)
• The Annual Report (Dividend)

Lets start the year with a video of 2 of our cats fighting or playing.. hard to tell sometimes..
At the time of the video, Prime (female) was 6 months old and Tiger (male) 2 years.. They love to fight each and every day.. Sibling love.

Since the video, we have renovated that room as well, so no more yellow wallpaper. The header image of this post shows the new wallpaper, and Tiger.. : )

Until next time: Work to Live, Don’t Live to Work

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My current plan, 2016 December

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Time for this months update.
I am still quite optimistic regarding the future of the stock market even though there seems to be a lot of noise going on these days.

• Brexit strategies being discussed in London,
• Trump making headlines even before he enters the White House. 
• Italy votes down their government regarding reforms

But one thing that I've noted on the past few years is that there will always be noise, and always be people who think that being committed to the stock-market is a bad deal. But then again, you have to know in what light they are making their statements. Few seem to have the 'more than 10 years' view of current events.
Will the current events trigger a breakdown of global economy that cannot be repaired in 10 years? Maybe, but chances are that things go up and down in the short-term but in the long run, things go up. Or at least they pay some dividends :)

At least that is what I am hoping for.

So sticking to the plan and hoarding some more bank shares this month.

Hope this gives some motivation to other people starting out in building their own future :)

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.

My Current Plan, 2016 November

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This month, it seems like the media around the globe has gone nuts regarding the US presidential election. Here in Sweden, it is actually hard to find local news.
Prior to the election day, media spun up a scenario where the markets would plummet if Trump won. Quite the doomsday prophesies, a lot of backstory where everybody seemed to agree that Clinton would win.

And this morning, 15 minutes before the Nasdaq OMX Stockholm market opened, it was clear that Trump was elected the 45th president of the United States, The headlines were:'Shock! Markets will plummet!", and at 0900 the markets opened and it was basically business as usual. As always the analysts seem to read a negative 1% as something huge and try to make it into something that it is not.
Now, 10 hours later the headlines are:

Looks dark for Swedish companies
- Svenska Dagbladet

Aptite is back on Wall Street
- Dagens Industri

Some optimistic, some are still pessimistic and some news outlets focus on the recent snow clouds in Stockholm.

What amazes me is how much the media can spin the stories. Are people actually surprised and shocked? Or is it just the media that expects people to be shocked? It seems like the market learned from the brexit vote, but the media didn't.
Once again it seems that the modern day journalism leaves a lot to wish for.

So how does all this affect my investment plan?

Not at all.
To quote Warren Buffet:

Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it.
- Warren Buffet

Meaning that I bought this months ratio of shares in my favorite bank earlier this week. Swedish banks are rising after a year of red.. But I don't really care as I have my plan. And it contains a lot of buy and very little sell over a very long time period.
If the markets react negatively to for some reason, Trump or other, I have the possibility to act on that disaster opportunity by using some of our ordinary savings account. But for the time being, nothing like that is planned.

So sticking to the plan

Hope this gives some motivation to other people starting out in building their own future :)

Disclaimer. I am in no way an expert on capital management or investing. On this blog I only wish to share my findings, ideas and comments on current events and fields that interest me. I hope that my thoughts can entertain you. I expect that everyone reading take their time and do their own research before acting on anything read on this blog. Investing is not for everyone. E&OE.