New page on dividend income 

Dear all,

Top robust quick access to our dividend income, we added a new page where you will find our dividend income status.




Easter vacation, 2 weeks out of the connected world

Dear all, 

 I would like to say that we will be out for the next 2 weeks without any wi-fi connection and where the G3 will be too expensive to use to watch the stock market, read news and making post to our dear blog. 

 I can tell everybody that it will be the first time for the last 10 years that I will not check the stock market in 2 weeks, so I am already a bit nervous to lose opportunities, to buy or sell. I have put some buying order and sell order just in case limits are crossed. 

 What about you, have you been in a similar situation, can you do it or not? 

 I have prepared several post in advance to keep you interested, I will discuss our mix strategy of investment (dividend growth and capital gain), another on advertising on personal blogs and some consequences of the SNB decision to support the Swiss franc. 

 So, see you in 2 weeks, and I am looking forward to spend time looking at all your posts and comments, when we are back. 



Business trip

Hi all,

I am ready to start a 2 days business trip in Italy.

I am really lucky that company I work for give me the opportunity to travel almost everywhere! I had the privilege to stay and visit places like:

  • Pakistan, Indonesia 
  • Thailand, India, Bangladesh 
  • Malawi, Mozambique, Zambia
  • Colombia, Brazil, Argentina
  • Croatia, Bulgaria, Romania, Russia
  • And many more destinations

In total I am standing on a list of 50+ different countries, how lucky I am!

And you which is the most unusual country you have visited? Which culture strike you, shock you the most?

Cheers, RA50

What would you do, if the genie in the bottle give you 1 year of stock market informationIf

Dear all,

Last night, I dreamed of a genie giving me the possibility to know and retrieve at my wish the next 12 months stock market information.

That is what I would do:

  1. Check how the market trend will go (up, flat or down)
  2. If there will be any market drop and how much
    1. if a significant pull-back would occur (20%), I would sell everything now even considering some losses to have cash.
  3. Simulate the status of our portfolio in 12 months (up, flat or down)
  4. Would spend a lot time evaluating all these details to try to maximize the return without considering dividend growth only capital gain.

Knowing this critical information, we all could win millions of dollar in capital gain. What a dream, no?

I am sure that all of you at one point in time, e.g. when you sell or buy stock wish to have known the near future, let say one week.

So tell me what would you do?



TransOcean (RIGN.VX) pay check

Dear all,

As previously announce, today we just received our dividend check from TransOcean (RIGN.VX), based on the 7000 shares we own, we receive a nice check of 5250CHF, this dividend are free of Tax as it is a cash distribution.

We have decided to reinvest  this money into RIGN.VX, based on the current price it will increase our position by 400 shares.

I am very confident that the energy market will recover and that the theoretical loss that we have now, will transform in great opportunity in the future.

So we will re-invest every quarter the dividend received.

Who believes in Energy companies at the moment and invest in them?



What advices to give to young person starting in his work life to achieve FI?

Dear all,

I believe in coaching process of younger people, for them not to make the same mistake that most of us made I one point of our life. So, this post is dedicated to give some basic rules to achieve FI in the best condition and the fastest:

1st rule:

To have a budget of income and expenses! This is one of the key success criteria. If you don’t know how much you spend and especially in what, you will loose the game.  You need to categorize expenses that will help you identifying where you can cut to add some extra savings.

2nd rule:

Avoid by all mean to have debts, that can be credit card, student loan, leasing, etc. It is tempting to buy the new IPhone, a bigger tv, a new home a bigger car as oil came down, but it will have clear consequeneces on you ability to achieve FI.

My father used to tell me that if you want to buy something you must have the money in your wallet, otherwise don’t buy and wait for the moment you get the cash, it will be even more fun to have this new good!

3rd rule:

Define automatic saving transfer from you salary account (same day you receive the check) to your saving account or any tax advantage plan (3rd pilar for us in Switzerland), this one should be max-out to the maximum allowed amount to benefit from the tax reduction.

4th rule: 

Start investing in equities, you can put 85-90% of your savings, the rest should be cash position. Don’t be afraid to take some calculated risks, you have at least 30 years in front of your! The market shows that growth always happened.

Invest in strong business with high dividend pay out.

5th rule:

Start looking at the fantastic blogs talking about Financial Independence that you can find. In EU there is more and more followers that give you different investing perspective and advice.

6th rule:

Create your own blog with your objectives, that will help you tracking your progress and allow to receive advice from peers.

7th rule:

A frugal life is one of the key aspect of FI sucess, you cannot consume everything, you need to plant some of seeds your receive to make it a beautiful garden in the future. Rome has not been build in one year, or ten years it is centuries of hard work.

I am pretty sure that we can find some other rules or sub-rules, but if everybody would received these simple rules like Moses received the stone commandment with their Diploma, we would have less people in negative territory.

Please let me know if something is missing, so that I can improve this post!

Cheers, RA50

Grocery bills comparison

Dear all, I mentioned some time ago the prices of groceries that we have in Switzerland and wanted to make a kind of typical caddie and I would like you to contribute by telling us what is the prices of these goods in your countries, to simplify the comparison, I put everything per 100r or 3.5oz and in USD (using 09/03/15 FX rate). I will create a comparison table with your answers. Meat:

  • Rump steak = 4.91 USD/100gr
  • Whole chicken = 13.11 USD/1kg or 35OZ
  • Porc tenderloin = 5.22 USD/100gr


  • Rice (Uncle Benz) = 5.01 USD/1kg or 35OZ
  • Pasta (Penne Barilla) = 1.91 USD/1kg or 35OZ
  • Potatoes = 1.66 USD/1kg or 35OZ
  • Wheat = 1.77 USD/1kg or 35OZ

Veggies and fruits

  • Carrots= 2.39 USD/1kg or 35OZ
  • Lettuce = 0.56 USD/100gr
  • Apple (gala) = 3.64 v
  • Bananas = 3.03 USD/1kg or 35OZ


  • Sugar = 1.11 USD/1kg or 35OZ


  • Coke normal = 1.31 USD per liter
  • Corona beers (6 packs) = 15.4 USD
  • Milk = 0.91 USD per liter

Other items that are not part of the grocery caddie but are standard around the world: BigMac from McDo = 7.15 Gasoline for car

  • 1 litter = 1.42 per liter

What about you? Let’s compare our basic caddie. Cheers, RA50