From the category archives:


My dad gave me a lot of advice as I was growing up, as any dad would. Two things really stuck out though, from a financial point of view at least. One was regarding mortgages and the other about planning for retirement. Bearing in mind, when I was kid in the 70’s and 80’s he was paying mortgage interest of 14%. Yes, you read that right. It’s almost unimaginable now.

He advised me when I was looking to get my first mortgage to make sure I would be able to afford the repayments if the interest rate went up to 15%. My first mortgage interest was 5.9% and I remember thinking it was a great deal at the time. Still, I took heed of his advice and bought my first (very) modest property on the assumption that interest rates could double and I would still be ok.

Of course, since then, interest rates have fallen and fallen and it’s been below 1% for the last 8 years! This has been an absolute winner for mortgage holders like me, but a nightmare for savers looking to get a return on their savings.

This brings me onto his second bit of sage advice which was this:

“Graham, most people assume they need less money when they retire. They’re wrong. They will need more. They’re no longer working all day… they’re free to do anything they want. But if they’ve got no money, what can they do? Watch TV? Don’t find yourself in that position. Make sure when you retire you’ve got more money coming in than when you were working. Don’t rely on the government to support you.”

And of course, he’s right. I’ve been working on that assumption all throughout my career and never give a second thought to a government pension. Besides, the full basic State Pension is currently £119.30 per week.

Really. That’s just over £6K a year.

Could you live on that? Would you want to live on that?

And this is why I always find it strange when I hear people complaining that the retirement age to qualify for a state pension is going up. Does it make any difference? You’re not seriously suggesting you’re worried about having to work a few more years before you can retire on the princely sum of £6K a year?

If you’ve not already planned for your own retirement, it’s time to start. The best you can hope for from the state is survival rations and you really don’t want to be spending your golden years in that position.

If you received my newsletter yesterday you would have read some testimonials about the PIE strategy. I received an e-mail this morning from one of the chaps that gave a testimonial. To remind you, this is what he had originally said:

“I have to say I am very impressed with PIE. It was really nice to finally meet you both and I was reassured about asking questions in the future. I couldn’t wipe the smile off my face last night.”

Anyway, what he said to me this morning really resonated with what my father advised me all those years ago. I have removed some of the details, in order to protect the IP of the strategy:

“Hi Graham,

That’s my comment on your blog, I completed the course in November 16 in London and I have to say that I am now convinced that the system works perfectly as I have tried with several paper accounts to break it; and I have happily failed on all occasions as long as the rules are adhered to. I have also tried several variations on the system and have found that…

Between November and February I had made 19% on my best paper account, however, since applying these rules I had to start another paper account 4 weeks ago and so far my profits for March are 11.45% and I still have until next Friday to close out my contracts which will undoubtedly boost that to over 15% (in a month).

So by following this strategy and targeting 6% per month (which is not greedy at all considering the results so far) I am certain that in 7 years following my initial investment in the summer I will be retiring at 55.

Kind regards,


Now, as you can see, Peter is also already planning for his retirement… and 55 seems like a perfectly reasonable age to retire, should you wish to. And it’s certain that he won’t be on £6k a year either.

Five years ago when I first learned this strategy I said that this was life changing. I knew that this meant I could retire when I wanted rather than when the government told me I could retire. And it’s true. It changed my life and it’s changed the lives of hundreds of others who have learned the strategy.

Maybe it’s time to change your life too.

Full details available here:

Filed under General by CashMaster


Unless you have been living under a rock you will be fully aware of the current tactics being used by bookies to spy and monitor peoples betting activities. But this situation is far more serious than most people understand and it’s time we all know the real truth.

Jolly Lock, along with several authorities on this matter, are hosting a webinar on the 4th April from 19.00 – 20.00. This is your opportunity to hear from leading campaigners for fairer rights for the honest punter and hear what they have to say.

This is the first event of its type and will be highly informative and not to be missed.

It will show you exactly what the bookies are up to, and includes real cases of data protection breaches which have been upheld by the ICO.

It will show you how to fight back by protecting your privacy, keeping your accounts open and making bigger and better profits.

The event is by invitation only but I’ve got you a FREE ticket.

For more information on this special event and to register click here.

Filed under General by CashMaster


March 23, 2017

Britannia’s Gold

I’ve got some more exciting news today. Philip Reid, the Chairman of Britannia’s Gold, was interviewed on BBC Radio 5 Live at the weekend and I’ve managed to get a copy of the recording. It’s only 2 and a half minutes long but is well worth listening to:

Remember, if you join the Angel Business Club today you’ll receive shares in Britannia’s Gold (allowing you to share in the profit from the gold recovery) AND you’ll also get a free raffle ticket every month between now and Sept 30th, giving you 7 chances to win a 1/2 kg gold bar worth over £16,600.

Choose a membership level appropriate to your own financial needs, from €89 through to €990 per month. Your membership fee will be translated into shares in various companies (including Britannia’s Gold) to the same value of your subscription fee. This makes it effectively a free savings plan, giving you shares to the value of your subscription.

I have been told that there will be another opportunity to acquire more shares in Britannia’s Gold over and above the shares you’ll get through your monthly membership fee and these will be exclusively for members of the Club.

Filed under General by CashMaster


March 17, 2017

BitClub Network

We had an update from BitClub Network yesterday:

Mining Pool Updates, Ethereum Rise, and More!
Date: March 16th

Included in this update…

  • Mining Pool Details & Expansion Plans
  • Ethereum Rise
  • New Tools, Stats, and App

Mining Pool Details & Expansion Plans

You may have seen the news circulating last week claiming that our pool was attempting to “attack” or “hack” the Bitcoin network. This is false!

We have always tried to remain neutral in the ongoing scaling debate between Segwit and Unlimited, and recently when testing some of our new mining equipment we exposed a bug in the code that ended up crashing Of course this was initially seen as a threat, but it was just a really good test to strengthen our security and the network itself.

Our pool is currently signaling for Segwit, which is supporting Core. We even donated a significant amount of Bitcoin to help fund Core development and show our support for them. You might recall when our pool mined the largest block in the history of Bitcoin. Block #409008

We gave half of this 291 block fee to Bitcoin Core – That is 146 Bitcoin donation to support them!

However, fast forward to today and the truth is we don’t care who wins the scaling debate! Whether it’s Segwit or Unlimited our goal is to play for the winning team and we will continue to mine and support the Bitcoin blockchain in the best way we can to ensure it’s future success.

So don’t fall for all the hype… Some are claiming this was politically motivated and they are using it for their own propaganda. We even heard conspiracy theories about the timing of this test because it happened to be on the same day the ETF decision was announced. But all of this is garbage!

The only thing you need to know is that WE LOVE Bitcoin and we will always act in the best interest of Bitcoin on behalf of all of YOU! (our members).

Right now our pool is expanding like crazy and you will see we currently have around 120-130 PH fluctuating at any given time. We also have another 60 PH that will go live on April 19th, and another 50 PH coming behind it.

We are now preparing for both outcomes (Segwit or Unlimited) and will soon begin mining blocks that signal for both options to make sure our pool is ready to support the winning side. In the mean time we will continue to expand our membership and hashing power.

Ethereum Rise…

With the rise of Bitcoin we have seen a huge rise in Ethereum as well. At the time of this writing it’s at $46 and that’s triple what it was last week. We strongly suggest that if you are mining Zcash right now with your GPU power that you hurry and move to Ethereum ASAP. We believe this ongoing Bitcoin scaling debate is causing a lot of investment to flow into Ethereum (and other coins too).

Many of you have been slowly accumulating Ethereum daily since we launched the GPU pool about 10 months ago. There is no doubt you are very happy if you didn’t sell your coins and we strongly recommend that you don’t sell them now either! Hold and even buy more because this is no fluke.

Ethereum has massive potential and right now there are more developers building Dapps on top of Ethereum than on Bitcoin or any other coin. We believe once these apps begin launching the value proposition that Ethereum will be huge and most importantly… MORE SCALABLE than Bitcoin!

To date we have mined 193,072 ETH and we have paid 100% of this back to you (which today is almost $9 Million USD).

At this rate with the current hashing power vs the value of ETH it makes sense to hurry and expand our mining farm and therefore we will. We are currently negotiating a batch of GPU equipment and will be offering shares in the very near future. If you missed out on the earlier rounds this is your chance to get some GPU power. (more details coming soon on this)

We really like the GPU mining model because as we said, GPU power can last for many years. (20+ years before GPU cards break). And since we give you full control and flexibility of where you want to point your power we believe this can be a great investment model.

More details about the next GPU offer coming shortly…

New Tools, Stats, and App

We are getting ready to launch some new tools that members have been begging us for. This will all happen on our new platform which is in the final final stages of testing. This new platform is synced up with our mobile apps and provide a seamless backend experience that we can scale on.

This new update will be the biggest update we’ve ever done and you will see some of the pieces of the site running in parallel with the old system as we stabilize everything. With this new platform comes really good stats, tracking, and reports on your earnings. It’s faster, more secure and will allow us to build features much faster.

Some of the updates include a new enrollment tree page, new binary views, new landing pages for leads, and a mobile invoicing system that we have been waiting many months to implement.

Our new mobile app is also ready to go on Android phones and the mobile web version of our platform is much more functional and again uses a synced database. We will begin moving over next week and hope to be completely on the new platform by the end of April.

This update has been a long time coming and it’s been very hard to freeze the code and update it as we are constantly adding more stuff and dealing with attack vectors, so thanks for your patience we know the member stats and tracking has needed a refresh for a long time and it’s nearly there!

As always thanks for being a BitClub Member and stay tuned for more updates this month.

-BCN Support

I invested in BCN eighteen months ago and it’s certainly been the most profitable passive investment I’ve ever made. And it looks to get even MORE profitable as times goes on. You can invest in the mining pool for as little as $599.

You can sign up for a free account, and more information, here:

Filed under General by CashMaster


A fairly slow period since the last update, just the 2 betting days and neither of those were winning days.

Not too much damage down though. The bank is currently 16 points down. Leicester’s win against Liverpool probably proved to be a coupon buster for plenty of punters and this one followed suit.



Filed under Football,General by Liam


March 3, 2017

Angel Business Club

This is a passive investment scheme that I’ve been looking at for a couple of years and recently decided to dip my toe in.

Essentially it’s a community of business angels that invests in businesses that aim to be tomorrow’s corporate stars. It acquires equity stakes (shares) in return for providing corporate services and/or financial capital. The club allows its members to participate in, and benefit from, the growth of exciting businesses worldwide which would not normally be available to individual investors. Angel Business Club is Europe’s biggest angel investor crowdfunding club.

There is a monthly subscription fee, which is your capital contribution, and those funds are used to accelerate the growth of carefully selected businesses. Members receive share allocations on a weekly basis according to their chosen monthly contribution level. You can pay anything from €89 a month up to €990 a month.

The idea is that as client companies grow and become profitable, the value of the shares should also increase and this will in turn provide an opportunity to realise a return on investment through a liquidity event such as an IPO (floatation on a major stock exchange), or payment of stock dividends, or a trade sale (e.g. a takeover).

Angel Business Club has already floated one company in July 2016 for a massive return, and they have three others that are due to float this year, plus one company that may be taken over.

When I first looked at this club I thought I’d wait to see if it develops into anything. Then in January I decided to investigate further and watched some of their weekly updates. There’s a live webinar every Wednesday at 5pm GMT and I’d highly recommend watching one of these. They do them in several languages too. Take a look at the team too… Dream team more like, looking at their combined experience.

What I found was that this really does appear to be a professional, well run organisation that allows investors to get involved at any level and potentially make some very serious returns. Now, of course, investing in any new business is risky so I decided to go in on the minimum €89 monthly subscription. I also invested a bit extra in a couple of the businesses they are accelerating (£400 in each) that look particularly exciting to me. One called Firescape Global, which is a company that have developed an amazing fire extinguisher that’s been endorsed by London Fire Brigade; and the Natural Drinks Company who sell sugar free fruit juices called Frutree in supermarkets nationally.

I’ve also been allocated shares, every week, in the other companies being helped by ABC, and one in particular looks very exciting indeed but I’ll hold off saying anything about that one until next week as apparently there is going to be an article about it in the paper this weekend and, potentially, a documentary being filmed about it too.

There is more to ABC too. There’s a club room which is the social aspect of ABC, there’s the ABC school where you can learn all about financial matters, you can receive experts views and there’s also guardian angels where ABC helps charities.

Here’s an overview:

So this will be a long term review, for at least a year, due to the nature of the service. I don’t expect to make a return on investment for a while, unless Firescape Global has an IPO which is on the cards, but I’ll do periodic updates when something big happens, such as a takeover or IPO etc.

I look at this as a totally passive investment opportunity with the potential for some quite spectacular returns, although if I wanted I could get more involved by regularly watching the weekly updates, or partaking in the club room etc. You can also look at it as a savings plan… you can join for as little at £2.50 a day, which is the price of a coffee, and yet build a portfolio of shares in businesses that, you never know, could become the next Facebook!

The website is a bit clunky but you get the hang of it. Here’s a short video showing how to join for free:

You can have a look at Angel Business Club here:

Filed under General by CashMaster


February 28, 2017

Early Odds

Week 5: Selections: 33; Wins: 13 ; Points: 25.05; At £10 per point: £250.50

Overall: Selections: 138; Wins: 43; Points: 60.94: At £10.00 per point: £609.40

Filed under General by Nick Townsend


February 27, 2017

Football Guru

We’re still having a bumpy ride with this service.

The emailed selections have been having a particularly rough time, the live tips have fared better.

Yesterday’s live session was cut short due to ill health but, in the 5 live sessions I’ve followed, all talk from longer term members has been very positive. So I’m fairly confident this will turn round.



Filed under General by Liam


February 20, 2017

Football Acca Tips RE-TRIAL

We had an excellent result on 12th Feb when both a Handicap Win bet and a Correct Score bet landed meaning a 62.5pt profit on the day. A couple of losses since have knocked us back down a bit but with this sort of service, it’s always going to be a bit of a famine/feast affair.

The bank is currently -36 points but that’s probably less than 1 decent win away from getting back in the black.



Filed under Football,General by Liam


February 8, 2017

The Sports Guru

Week 13; Selections: 90; Wins: 42; Points: 48.348 At £10 per point: £483.48

Overall: Selections: 1035; Wins: 401; Points: -97.458 At £10 per point: £-974.58

Filed under General by Arthur