[{"data":1,"prerenderedAt":1094},["ShallowReactive",2],{"article-index":3,"article-\u002Farticles\u002Funlocking-financial-success-a-comprehensive-review-of-smarter-investing-by-tim-hale":344,"all-articles-nav":927},[4,8,12,16,20,24,28,32,36,40,44,48,52,56,60,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120,124,128,132,136,140,144,148,152,156,160,164,168,172,176,180,184,188,192,196,200,204,208,212,216,220,224,228,232,236,240,244,248,252,256,260,264,268,272,276,280,284,288,292,296,300,304,308,312,316,320,324,328,332,336,340],{"_path":5,"title":6,"description":7},"\u002Farticles\u002Fa-practical-guide-to-factor-based-investing-for-uk-investors","Factor-Based Investing: A UK Investor's Guide","Learn how factor-based investing works and how UK investors can use low-cost ETFs to target value, size, momentum, and profitability premiums inside ISAs and SIPPs.",{"_path":9,"title":10,"description":11},"\u002Farticles\u002Fadding-a-value-tilt-to-reduce-us-tech-exposure","Too Much US Tech? How to Add a Value Tilt to Your Portfolio","The S&P 500 is now heavily concentrated in expensive US tech. Here is how adding a value tilt reduces that concentration risk while maintaining global equity exposure.",{"_path":13,"title":14,"description":15},"\u002Farticles\u002Fare-dividends-irrelevant","Are Dividends Irrelevant?","The dividend irrelevance theorem says dividends do not create wealth. Here is the full argument, the real counter-case, and what both sides mean for your portfolio.",{"_path":17,"title":18,"description":19},"\u002Farticles\u002Fautomate-your-finances-a-uk-centric-review-of-i-will-teach-you-to-be-rich","I Will Teach You To Be Rich: UK Review","A UK-focused review of Ramit Sethi's I Will Teach You To Be Rich, with his 6-week automation plan adapted for ISAs, SIPPs, and British bank accounts.",{"_path":21,"title":22,"description":23},"\u002Farticles\u002Favoiding-financial-pitfalls-key-lessons-from-the-art-of-thinking-clearly","The Art of Thinking Clearly: Finance Lessons","Rolf Dobelli's The Art of Thinking Clearly exposes cognitive biases that cost investors money. Here are the key lessons for UK personal finance.",{"_path":25,"title":26,"description":27},"\u002Farticles\u002Fbeyond-the-4-rule-a-tailored-retirement-guide-for-uk-retirees","Beyond the 4% Rule: UK Retirement Review","Abraham Okusanya's Beyond the 4% Rule is the only decumulation book written for UK retirees. This review covers safe withdrawal rates and tax-efficient strategies.",{"_path":29,"title":30,"description":31},"\u002Farticles\u002Fbogleheads","John Bogle's Investing Philosophy: \"VOO and Chill\"","John Bogle invented the index fund. His philosophy of owning the market at the lowest cost and staying the course remains the foundation of passive investing.",{"_path":33,"title":34,"description":35},"\u002Farticles\u002Fbook-review-dividends-still-dont-lie-by-kelley-wright","Dividends Still Don't Lie: Book Review","Kelley Wright's Dividends Still Don't Lie uses dividend yield as a value signal to time blue-chip stock purchases. Here is how UK investors can apply it.",{"_path":37,"title":38,"description":39},"\u002Farticles\u002Fbook-review-quit-like-a-millionaire-lessons-for-uk-investors","Quit Like a Millionaire Review for UK Investors","A UK-focused review of Quit Like a Millionaire by Kristy Shen. Covers the Yield Shield strategy, sequence-of-returns risk, and the math-first path to FIRE.",{"_path":41,"title":42,"description":43},"\u002Farticles\u002Fbridging","Bridging: Using ISAs and Pensions to Retire Early (UK Guide)","Bridging lets you retire before pension access age by living off ISA withdrawals while your pension grows. Here is how to structure your early retirement plan.",{"_path":45,"title":46,"description":47},"\u002Farticles\u002Fbridging-the-behavior-gap-a-review-of-carl-richards-insightful-investment-guide","The Behavior Gap by Carl Richards: Book Review","Carl Richards reveals why investors earn less than the funds they own, and how simple sketches expose the emotional decisions that destroy long-term returns.",{"_path":49,"title":50,"description":51},"\u002Farticles\u002Fbudgeting-101","Budgeting 101: How to Take Control of Your Money","A budget is simply a plan for your money. Learn the 50\u002F30\u002F20 rule, how to track your spending, and how to automate savings with this beginner-friendly guide.",{"_path":53,"title":54,"description":55},"\u002Farticles\u002Fcompound-interest-calculator-guide","Compound Interest Calculator: How It Works","Use our free compound interest calculator to project ISA, SIPP, and investment growth. Learn how compounding works and tips to grow your wealth faster.",{"_path":57,"title":58,"description":59},"\u002Farticles\u002Fdebts-silent-siege-how-financial-burdens-felled-the-british-empire","How War Debt Felled the British Empire","Britain entered WWI as the world's creditor. It left WWII as its debtor. How compounding war debt accelerated an empire's decline - and what it means for yours.",{"_path":61,"title":62,"description":63},"\u002Farticles\u002Fdecoding-retirement-spending-a-review-of-wade-pfaus-how-much-can-i-spend-in-retirement","Safe Withdrawal Rates: Reviewing Wade Pfau's Retirement Guide","Wade Pfau's 'How Much Can I Spend in Retirement?' challenges the 4% rule with data-driven withdrawal strategies. Here is what UK FIRE retirees need to know about decumulation.",{"_path":65,"title":66,"description":67},"\u002Farticles\u002Fdie-with-zero-a-contrarian-approach-to-personal-finance","Die With Zero: A Contrarian Guide to Personal Finance","Bill Perkins argues you should optimise for net fulfilment, not net worth. Here is how his philosophy challenges FIRE thinking and what UK investors can learn.",{"_path":69,"title":70,"description":71},"\u002Farticles\u002Fdiscovering-financial-independence-with-playing-with-fire-by-scott-rieckens","Playing with FIRE Review: A UK Reader's Guide","Scott Rieckens' Playing with FIRE is the best beginner's guide to the FIRE movement. Here is how UK readers can apply its lessons using ISAs, SIPPs, and index funds.",{"_path":73,"title":74,"description":75},"\u002Farticles\u002Fdividend-etfs-long-term-strategy","Why Dividend ETFs Can Be a Powerful Long-Term Strategy","Dividend ETFs offer more than income - a concrete reason to stay invested when prices fall. That psychological edge may be worth more than the yield itself.",{"_path":77,"title":78,"description":79},"\u002Farticles\u002Fdoes-joel-greenblatts-magic-formula-really-beat-the-market","Magic Formula Investing: Does Greenblatt's Method Work?","Joel Greenblatt's magic formula ranks stocks by earnings yield and return on capital. We test whether this value investing strategy works for UK investors.",{"_path":81,"title":82,"description":83},"\u002Farticles\u002Fdogs-of-the-dow","Dogs of the Dow: A Contrarian Dividend Strategy Explained","Buy the 10 highest-yielding stocks in the Dow Jones at the start of each year, hold for 12 months, repeat. Simple in theory - but does it actually work?",{"_path":85,"title":86,"description":87},"\u002Farticles\u002Fearly-retirement-extreme-radical-fire-strategies-for-uk-readers","Early Retirement Extreme Review for UK Readers","Jacob Lund Fisker's Early Retirement Extreme takes FIRE to its logical limit. Here is how UK readers can apply its radical frugality and systems thinking.",{"_path":89,"title":90,"description":91},"\u002Farticles\u002Felon-musks-spacex-stock-market-debut-a-risky-move-for-uk-investors","SpaceX IPO: How It Could Hit Your Pension","SpaceX plans to list with a tiny float while Nasdaq and S&P rewrite their rules to fast-track inclusion. Here is why that could force your pension and ISA to buy overvalued shares.",{"_path":93,"title":94,"description":95},"\u002Farticles\u002Fenough-a-deep-dive-into-bogles-critique-of-modern-finance-and-the-quest-for-financial-independence","Bogle's Enough: A Review for UK Investors","John Bogle's 'Enough' challenges the financial industry's greed and asks what truly matters. Here is why this book resonates with UK FIRE investors.",{"_path":97,"title":98,"description":99},"\u002Farticles\u002Fessential-personal-finance-community","Essential Personal Finance Community","The best YouTube channels and Reddit communities for UK investors, curated for quality. Where to find beginner-friendly and evidence-based investing discussion.",{"_path":101,"title":102,"description":103},"\u002Farticles\u002Ffi-number-calculator-guide","FI Number Calculator: Your Independence Target","Calculate exactly how much you need to retire early. Our free FI number calculator shows your target portfolio size and time to financial independence.",{"_path":105,"title":106,"description":107},"\u002Farticles\u002Ffinancial-freedom-by-grant-sabatier-a-practical-guide-to-accelerating-your-path-to-financial-independence","Financial Freedom by Grant Sabatier: Book Review","Our review of Financial Freedom by Grant Sabatier covers his five-year path to financial independence, with practical tips on income, savings rates, and UK-specific adjustments for ISAs and SIPPs.",{"_path":109,"title":110,"description":111},"\u002Farticles\u002Ffinancial-independence-the-brutal-reality","Financial Independence: Opting Out Is an Act of Revolution","You were born into a systemic deficit. Every square inch of land is owned, every necessity has a price. Financial independence is how you opt out.",{"_path":113,"title":114,"description":115},"\u002Farticles\u002Ffinancial-literacy-quiz-guide","Financial Literacy Quiz: Test Your Money Knowledge","Test your financial literacy across pensions, ISAs, tax, budgeting, and investing. Our adaptive quiz assigns you a level from Beginner to Expert.",{"_path":117,"title":118,"description":119},"\u002Farticles\u002Ffire","Financial Independence, Retire Early (FIRE) Explained","FIRE means Financial Independence, Retire Early. Learn what it is, the different types, the 4% rule, and how to start building your path to financial freedom.",{"_path":121,"title":122,"description":123},"\u002Farticles\u002Ffire-number","Calculating Your FIRE Number: The Rule of 25 Explained","Your FIRE number is how much capital you need to stop working. Learn the Rule of 25, UK adjustments, and how to calculate your financial independence target.",{"_path":125,"title":126,"description":127},"\u002Farticles\u002Ffortress-you","The Fortress Strategy: Protect Your FIRE Plan with Insurance","Many in the FIRE community treat insurance as a cost to cut. That is a mistake. Your financial independence plan is only as strong as the defences protecting it.",{"_path":129,"title":130,"description":131},"\u002Farticles\u002Fhedging-against-the-pound-diversifying-your-liberty","Hedging Against the Pound: Diversifying Your Liberty","Is your entire net worth tied to the UK economy? Geographic diversification protects wealth from currency devaluation, political risk, and domestic downturns.",{"_path":133,"title":134,"description":135},"\u002Farticles\u002Fhow-much-is-enough","How Much Is \"Enough\"?","How do you know when you have enough money? Explores the concept of enough, how to define your FIRE number, and why more is not always better for personal finance.",{"_path":137,"title":138,"description":139},"\u002Farticles\u002Fhow-to-read-an-etf-factsheet","How to Read an ETF Factsheet: The Numbers That Matter","OCF, tracking error, alpha, beta, Sharpe ratio - what the numbers on an ETF factsheet actually mean, and which ones matter most when choosing a fund.",{"_path":141,"title":142,"description":143},"\u002Farticles\u002Firan-crisis-dont-time-the-market","The Iran Crisis Won't Wreck Your Portfolio - But Panic Might","Geopolitical shocks feel urgent but markets have survived them all. Here is why staying the course and automating investments is almost always the right call.",{"_path":145,"title":146,"description":147},"\u002Farticles\u002Fis-yield-on-cost-useful","Is Yield on Cost a Useful Metric?","Yield on cost flatters long-term holders but can distort decisions. Here is what it measures, why critics say it is misleading, and when it has genuine analytical value.",{"_path":149,"title":150,"description":151},"\u002Farticles\u002Flow-cost-index-funds","How to Choose a Low-Cost Index Fund","Most guides compare OCFs, but Total Cost of Ownership is what matters. Here is how to find the genuinely cheapest UK index funds - and why the answer may surprise you.",{"_path":153,"title":154,"description":155},"\u002Farticles\u002Fmortgage-overpayment-calculator-guide","Mortgage Overpayment Calculator: Save Thousands in Interest","See how regular mortgage overpayments can cut years off your term and save thousands in interest. Use our free calculator to compare scenarios.",{"_path":157,"title":158,"description":159},"\u002Farticles\u002Fnet-worth-tracker-guide","Net Worth Tracker: How to Monitor Your Financial Progress","Track your assets and liabilities with our free net worth tracker. See your financial progress with charts, interest tracking, and historical backfill.",{"_path":161,"title":162,"description":163},"\u002Farticles\u002Fnutmeg-jpmorgan-personal-investing-review","Nutmeg Review: Is J.P. Morgan Personal Investing Worth It?","Nutmeg (now J.P. Morgan Personal Investing) removes every investing decision except your risk level. Higher fees than DIY, but is the trade-off worth it?",{"_path":165,"title":166,"description":167},"\u002Farticles\u002Foff-grid-finance-reducing-dependency-on-the-system","Off-Grid Finance: Reducing Dependency on the System","Lowering your burn rate through solar panels, growing food, and water conservation is a financial hedge and a path to autonomy. Here is the ROI breakdown for UK households.",{"_path":169,"title":170,"description":171},"\u002Farticles\u002Foil-prices-inflation-interest-rates-what-homeowners-need-to-know","Oil Prices, Inflation and Interest Rates: What Homeowners Need to Know","How the Iran conflict and surging oil prices are driving inflation, pushing up interest rates, and squeezing UK mortgage holders. What you can do about it.",{"_path":173,"title":174,"description":175},"\u002Farticles\u002Fpe-ratio","P\u002FE Ratio Explained: Why S&P 500 Valuations Matter","The P\u002FE ratio is one of the simplest valuation tools in investing. Here is what it means, how to use it, and why elevated S&P 500 valuations matter to long-term investors.",{"_path":177,"title":178,"description":179},"\u002Farticles\u002Fpension-match-calculator-guide","Pension Match Calculator: What Is It Really Worth?","Your employer pension match is free money - but you cannot touch it for decades. Here is how to calculate its real present-day value using discount rates and tax relief.",{"_path":181,"title":182,"description":183},"\u002Farticles\u002Fpension-tax-free-lump-sum-mortgage","Using Your Pension Lump Sum to Reduce Your Mortgage","Using your 25% pension tax-free lump sum to pay down your mortgage can be highly tax-efficient. Here is how the maths works and what to consider first.",{"_path":185,"title":186,"description":187},"\u002Farticles\u002Fpredictably-irrational-uncovering-the-hidden-forces-shaping-your-financial-decisions","Predictably Irrational by Dan Ariely: Book Review","Our review of Predictably Irrational by Dan Ariely covers anchoring, the pain of paying, and the zero-price effect - with practical lessons for UK investors.",{"_path":189,"title":190,"description":191},"\u002Farticles\u002Frent-vs-buy-equation","The Rent vs Buy Equation Nobody Gets Right","Renting vs buying a home in the UK is rarely a simple choice. See the real costs, opportunity costs, and worked examples to make an informed decision.",{"_path":193,"title":194,"description":195},"\u002Farticles\u002Fshould-i-pay-off-my-student-loan","Should I Pay Off My Student Loan?","Should you pay off your UK student loan early or invest instead? This guide covers Plan 1, Plan 2, and Plan 5 - with the maths to help you decide.",{"_path":197,"title":198,"description":199},"\u002Farticles\u002Fsimplifying-wealth-a-review-of-the-bogleheads-guide-to-the-three-fund-portfolio","Bogleheads' Three-Fund Portfolio: Book Review","Our review of The Bogleheads' Guide to the Three-Fund Portfolio explains how UK investors can use this simple strategy with ISAs and SIPPs.",{"_path":201,"title":202,"description":203},"\u002Farticles\u002Fsimplifying-your-investments-a-review-of-the-bogleheads-guide-to-investing","Bogleheads' Guide to Investing: Book Review","Our review of The Bogleheads' Guide to Investing covers low-cost index funds, asset allocation, and how UK investors can apply these principles.",{"_path":205,"title":206,"description":207},"\u002Farticles\u002Fsovereignty-in-the-silver-years-beyond-the-state-pension-myth","Sovereignty in Retirement: Beyond the State Pension","The UK State Pension is not enough for a comfortable retirement and may become less reliable. Here is how to build genuine retirement sovereignty using SIPPs.",{"_path":209,"title":210,"description":211},"\u002Farticles\u002Fstay-away-from-cfds","Why You Should Stay Away From CFDs","CFDs are leveraged instruments where 70-80% of retail accounts lose money. Learn how they work, why they are so dangerous, and what to invest in instead.",{"_path":213,"title":214,"description":215},"\u002Farticles\u002Fstealth-taxes-uk","The Stealth Taxes: How the UK System Kills Your Compounding","The UK tax system hides effective rates that trap thousands. Learn how the 60% black hole, student loan surcharge, and benefit clawbacks work - and how to escape them legally.",{"_path":217,"title":218,"description":219},"\u002Farticles\u002Fstorytellers-and-number-crunchers-in-investing","Storytellers vs Number Crunchers: Which Investor Are You?","Aswath Damodaran argues every investor is either a storyteller or a number cruncher. Most retail investors lean too far one way. Here is how to fix that.",{"_path":221,"title":222,"description":223},"\u002Farticles\u002Fthe-boring-middle","The Boring Middle: Surviving the 7-Year Plateau","The boring middle of FIRE is where most plans quietly die. The novelty is gone but freedom is still distant. Here is how to survive the years 3 to 10 plateau.",{"_path":225,"title":226,"description":227},"\u002Farticles\u002Fthe-decumulation-trap","The Decumulation Trap: The Real Danger of the 4% Rule","Reaching your FIRE number is just the beginning. Sequence of returns risk and sustainable withdrawal mechanics make the descent as demanding as the climb.",{"_path":229,"title":230,"description":231},"\u002Farticles\u002Fthe-hidden-tax-on-silence-the-cost-of-convenience","The Hidden Tax on Silence: The Cost of Convenience","Buy Now Pay Later, credit cards, and subscriptions are debt traps that exploit psychology. Here is how they work and how to escape the cycle of convenience spending.",{"_path":233,"title":234,"description":235},"\u002Farticles\u002Fthe-intelligent-investor-by-benjamin-graham-a-timeless-guide-for-uk-investors","The Intelligent Investor: A UK Investor's Review","Graham's Intelligent Investor covers margin of safety, Mr. Market, and value investing. Here is what still matters for UK investors in 2026.",{"_path":237,"title":238,"description":239},"\u002Farticles\u002Fthe-millionaire-next-door-a-review-and-guide-for-uk-readers","The Millionaire Next Door: A UK Reader's Review","Review of The Millionaire Next Door by Stanley and Danko. Discover the PAW framework, frugal millionaire habits, and how to build wealth in the UK.",{"_path":241,"title":242,"description":243},"\u002Farticles\u002Fthe-psychological-toll","Surviving the 20% Drop: The Psychology of Market Crashes","The hardest part of investing is managing your brain during a crash. Understanding loss aversion and having a pre-committed system may be worth more than any strategy.",{"_path":245,"title":246,"description":247},"\u002Farticles\u002Fthe-roi-of-you","The ROI of You: Why Investing in Skills Beats the S&P 500","Obsessing over returns while ignoring a stagnant salary is a losing game. The highest-returning asset you own is yourself - and most people are dramatically underinvesting in it.",{"_path":249,"title":250,"description":251},"\u002Farticles\u002Fthe-single-best-investment-a-comprehensive-review-for-uk-investors","The Single Best Investment: Book Review","Our review of The Single Best Investment by Lowell Miller covers his case for dividend growth investing and how UK investors can apply this strategy.",{"_path":253,"title":254,"description":255},"\u002Farticles\u002Fthe-sovereignty-fund-building-your","The Sovereignty Fund: Building Your Financial Buffer","Your emergency fund is not a safety net - it is leverage. Six to twelve months of expenses in a high-yield account gives you the power to say no on your own terms.",{"_path":257,"title":258,"description":259},"\u002Farticles\u002Fthe-warren-buffett-way-a-blueprint-for-uk-investors","The Warren Buffett Way: UK Investor's Guide","A review of The Warren Buffett Way by Robert Hagstrom. How Buffett moved from value investing to buying great businesses, and what UK investors can learn.",{"_path":261,"title":262,"description":263},"\u002Farticles\u002Fthinking-fast-and-slow-how-human-thinking-affects-your-investments","Thinking Fast and Slow: Investing Lessons","A review of Thinking Fast and Slow by Daniel Kahneman. Learn how cognitive biases like loss aversion and overconfidence hurt your investments, and how to fight back.",{"_path":265,"title":266,"description":267},"\u002Farticles\u002Ftimeless-wealth-wisdom-a-review-of-the-richest-man-in-babylon","The Richest Man in Babylon: Book Review","A review of The Richest Man in Babylon by George S. Clason. How its timeless principles - pay yourself first, live below your means - apply to UK investors today.",{"_path":269,"title":270,"description":271},"\u002Farticles\u002Ftransforming-personal-finance-with-atomic-habits-a-practical-guide-for-fire-aspirants","Atomic Habits for FIRE: A Practical Guide","How to apply James Clear's Atomic Habits to your FIRE journey. Build better financial habits, automate your savings, and sustain a high savings rate long-term.",{"_path":273,"title":274,"description":275},"\u002Farticles\u002Fuk-net-worth-comparison-guide","UK Net Worth Comparison: How Do You Stack Up?","Compare your net worth to the UK median for your age group using ONS data. Our free tool shows where you stand and what the typical household looks like.",{"_path":277,"title":278,"description":279},"\u002Farticles\u002Funderstanding-market-mania-a-review-of-robert-shillers-irrational-exuberance","Irrational Exuberance: Shiller's Guide to Bubbles","A review of Irrational Exuberance by Robert Shiller. How narratives drive market bubbles, what the CAPE ratio tells us, and what UK investors can learn.",{"_path":281,"title":282,"description":283},"\u002Farticles\u002Funlocking-100x-gains-a-review-of-100-baggers-by-christopher-mayer","100 Baggers Review: Finding Stocks That Return 100x","A review of Christopher Mayer's 100 Baggers, covering the traits of stocks that returned 100x and how UK investors can apply these lessons.",{"_path":285,"title":286,"description":287},"\u002Farticles\u002Funlocking-asset-value-a-review-of-the-little-book-of-valuation","The Little Book of Valuation: A Practical Review","A review of Damodaran's Little Book of Valuation covering DCF analysis, relative valuation, and how UK investors can use these methods to value stocks.",{"_path":289,"title":290,"description":291},"\u002Farticles\u002Funlocking-financial-freedom-a-review-of-the-slight-edge-by-jeff-olson","The Slight Edge Review: Small Habits, Big Wealth","A review of Jeff Olson's The Slight Edge and how its philosophy of small daily actions applies to the FIRE movement, saving, and building wealth.",{"_path":293,"title":294,"description":295},"\u002Farticles\u002Funlocking-financial-success-a-comprehensive-review-of-smarter-investing-by-tim-hale","Smarter Investing by Tim Hale: Book Review","Smarter Investing by Tim Hale is the definitive UK investing guide - evidence-based, fund-specific, and built around ISAs and SIPPs. A full book review.",{"_path":297,"title":298,"description":299},"\u002Farticles\u002Funlocking-financial-wisdom-a-review-of-warren-buffett-and-the-interpretation-of-financial-statements","Buffett's Guide to Financial Statements: A Review","A review of Warren Buffett and the Interpretation of Financial Statements - how to read income statements, balance sheets, and cash flow like Buffett.",{"_path":301,"title":302,"description":303},"\u002Farticles\u002Funlocking-long-term-wealth-a-review-of-get-rich-with-dividends-by-marc-lichtenfeld","Get Rich with Dividends Review: The 10-11-12 System","A review of Marc Lichtenfeld's Get Rich with Dividends, covering his 10-11-12 system for finding dividend growth stocks and how UK investors can apply it.",{"_path":305,"title":306,"description":307},"\u002Farticles\u002Funveiling-the-habits-of-todays-millionaires-a-review-of-the-next-millionaire-next-door","Next Millionaire Next Door Review: Wealth Habits","A review of The Next Millionaire Next Door by Sarah Stanley Fallaw, covering updated wealth-building habits, the modern millionaire profile, and lessons for UK investors.",{"_path":309,"title":310,"description":311},"\u002Farticles\u002Funveiling-the-investment-wisdom-in-philip-fishers-common-stocks-and-uncommon-profits","Common Stocks and Uncommon Profits Review","A review of Philip Fisher's Common Stocks and Uncommon Profits, covering the scuttlebutt research method, his 15 points for evaluating growth stocks, and lessons for UK investors.",{"_path":313,"title":314,"description":315},"\u002Farticles\u002Fvalue-growth-dividend-investing","Value vs Growth vs Dividend: Three Investing Approaches","Value, growth, and dividend investing explained side by side. Understanding the differences helps you choose an approach that matches your goals and temperament.",{"_path":317,"title":318,"description":319},"\u002Farticles\u002Fwhat-is-dividend-investing","What Is Dividend Investing?","Dividend investing focuses on stocks that pay regular income. Learn how yield works, how to evaluate dividend safety, and how to build passive income over time.",{"_path":321,"title":322,"description":323},"\u002Farticles\u002Fwhat-is-intrinsic-value","What Is Intrinsic Value? A Guide for Long-Term Investors","Intrinsic value is the idea that an asset is worth something independent of its market price. Understanding it is the difference between investing and gambling.",{"_path":325,"title":326,"description":327},"\u002Farticles\u002Fwhat-is-speculation","What Is Speculation?","Speculation means buying for price appreciation, not underlying value. Learn how it differs from long-term investing and why 70-80% of retail speculators lose money.",{"_path":329,"title":330,"description":331},"\u002Farticles\u002Fwhy-trading212-best-platform","Why Trading 212 Is the Best Platform for Getting Started","Trading 212 offers commission-free investing and fractional shares in a clean mobile app. Here is what UK beginners need to know before opening an account.",{"_path":333,"title":334,"description":335},"\u002Farticles\u002Fwinning-the-losers-game-why-passive-investing-wins-for-uk-investors","Winning the Loser's Game Review: Passive Wins","A review of Winning the Loser's Game by Charles Ellis, explaining why passive investing beats active fund management and how UK investors can apply its lessons.",{"_path":337,"title":338,"description":339},"\u002Farticles\u002Fwrite-your-investment-thesis","Write Your Investment Thesis Before the Next Market Crash","A written investment thesis is a pre-commitment device that protects you from your worst instincts when markets get scary. Here is how to write yours.",{"_path":341,"title":342,"description":343},"\u002Farticles\u002Fyour-money-or-your-life-a-financial-independence-blueprint","Your Money or Your Life Review: The FIRE Blueprint","A review of Your Money or Your Life by Vicki Robin and Joe Dominguez, covering the nine-step program, the crossover point, and how UK readers can apply it.",{"_path":293,"_dir":345,"_draft":346,"_partial":346,"_locale":347,"title":294,"description":295,"date":348,"author":349,"category":350,"tags":351,"heroImage":355,"tldr":356,"body":361,"_type":921,"_id":922,"_source":923,"_file":924,"_stem":925,"_extension":926},"articles",false,"","2026-02-09","Freedom Isn't Free","Investing",[350,352,353,354],"Index Funds","ISA","SIPP","unlocking-financial-success-a-comprehensive-review-of-smarter-investing-by-tim-hale.png",[357,358,359,360],"Hale argues that investment decisions should be based on empirical evidence rather than intuition or fund sales recommendations.","Low-cost index funds are recommended for their lower fees, diversification benefits, consistency, and behavioral advantages.","Factor tilts like value, size, and quality premiums provide systematic return advantages with long-term evidence.","The book is tailored specifically for UK investors, focusing on UK tax wrappers, funds, and pension regulations.",{"type":362,"children":363,"toc":896},"root",[364,372,397,402,406,413,418,423,428,433,436,442,453,470,480,490,500,503,509,521,526,543,553,563,568,571,577,588,595,600,606,611,617,622,642,647,650,656,661,666,669,675,684,689,694,697,703,715,724,736,741,747,752,770,775,787,792,795,818,840,862,870],{"type":365,"tag":366,"props":367,"children":369},"element","h1",{"id":368},"smarter-investing-by-tim-hale-book-review",[370],{"type":371,"value":294},"text",{"type":365,"tag":373,"props":374,"children":375},"p",{},[376,378,395],{"type":371,"value":377},"Tim Hale's ",{"type":365,"tag":379,"props":380,"children":381},"strong",{},[382],{"type":365,"tag":383,"props":384,"children":388},"a",{"href":385,"rel":386},"https:\u002F\u002Famzn.to\u002F4rQsyMu",[387],"nofollow",[389],{"type":365,"tag":390,"props":391,"children":392},"em",{},[393],{"type":371,"value":394},"Smarter Investing",{"type":371,"value":396}," is widely regarded as the definitive guide to evidence-based investing for UK investors. Where most investing books are written for American audiences and require translation to a UK context, Hale builds his framework specifically around UK tax wrappers, UK-available funds, and UK pension regulations.",{"type":365,"tag":373,"props":398,"children":399},{},[400],{"type":371,"value":401},"This review covers the book's core thesis, what it recommends, and why it remains essential reading for anyone building a long-term portfolio in the UK.",{"type":365,"tag":403,"props":404,"children":405},"hr",{},[],{"type":365,"tag":407,"props":408,"children":410},"h2",{"id":409},"the-core-thesis-evidence-based-investing",[411],{"type":371,"value":412},"The Core Thesis: Evidence-Based Investing",{"type":365,"tag":373,"props":414,"children":415},{},[416],{"type":371,"value":417},"Hale's central argument is that investment decisions should be driven by empirical evidence rather than intuition, sentiment, or the recommendations of actively managed fund sales teams.",{"type":365,"tag":373,"props":419,"children":420},{},[421],{"type":371,"value":422},"The evidence he draws on is extensive and decades-long: after costs, the majority of actively managed funds underperform their benchmark index. The S&P's annual SPIVA report consistently shows that over 15-year periods, more than 85% of active equity fund managers underperform their benchmark. In the UK, the picture is similar.",{"type":365,"tag":373,"props":424,"children":425},{},[426],{"type":371,"value":427},"Hale argues that this is not bad luck or a statistical anomaly. It is structural. Fund management fees create a guaranteed headwind. Costs that compound against investors year after year, in a zero-sum market where not everyone can beat the average, mean that the average investor in active funds will underperform the market by approximately the amount of their fees.",{"type":365,"tag":373,"props":429,"children":430},{},[431],{"type":371,"value":432},"The evidence-based response is to stop paying for active management and capture the market return cheaply instead.",{"type":365,"tag":403,"props":434,"children":435},{},[],{"type":365,"tag":407,"props":437,"children":439},{"id":438},"the-case-for-low-cost-index-funds",[440],{"type":371,"value":441},"The Case for Low-Cost Index Funds",{"type":365,"tag":373,"props":443,"children":444},{},[445,447,451],{"type":371,"value":446},"One of the central themes of ",{"type":365,"tag":390,"props":448,"children":449},{},[450],{"type":371,"value":394},{"type":371,"value":452}," is the advocacy for low-cost index funds. Hale makes a strong case for several advantages:",{"type":365,"tag":373,"props":454,"children":455},{},[456,461,463,468],{"type":365,"tag":379,"props":457,"children":458},{},[459],{"type":371,"value":460},"Lower costs.",{"type":371,"value":462}," Index funds charge a fraction of the fees of actively managed funds. For UK investors, the ",{"type":365,"tag":383,"props":464,"children":465},{"href":149},[466],{"type":371,"value":467},"cheapest global index ETFs now cost below 0.10% per year",{"type":371,"value":469},". The difference between 0.10% and 1.50% on a £200,000 portfolio compounding over 25 years is approximately £100,000.",{"type":365,"tag":373,"props":471,"children":472},{},[473,478],{"type":365,"tag":379,"props":474,"children":475},{},[476],{"type":371,"value":477},"Diversification.",{"type":371,"value":479}," A global all-world index fund holds 2,000-3,000 companies across 40+ countries. This is genuine diversification at a cost that would be prohibitive to achieve through individual stock selection.",{"type":365,"tag":373,"props":481,"children":482},{},[483,488],{"type":365,"tag":379,"props":484,"children":485},{},[486],{"type":371,"value":487},"Consistency.",{"type":371,"value":489}," Index funds track the market by definition. They will not dramatically underperform in any given year due to manager error or poor stock selection.",{"type":365,"tag":373,"props":491,"children":492},{},[493,498],{"type":365,"tag":379,"props":494,"children":495},{},[496],{"type":371,"value":497},"Behavioural benefit.",{"type":371,"value":499}," Passive investors who understand the strategy are less likely to make reactive decisions. The investment case is simple and defensible: the global economy grows over time, and the index captures that growth. That simplicity helps investors hold through volatility.",{"type":365,"tag":403,"props":501,"children":502},{},[],{"type":365,"tag":407,"props":504,"children":506},{"id":505},"factor-tilts-and-the-evidence",[507],{"type":371,"value":508},"Factor Tilts and the Evidence",{"type":365,"tag":373,"props":510,"children":511},{},[512,514,519],{"type":371,"value":513},"Beyond plain index investing, Hale covers the academic evidence for ",{"type":365,"tag":379,"props":515,"children":516},{},[517],{"type":371,"value":518},"factor premiums",{"type":371,"value":520}," - systematic return advantages associated with specific portfolio characteristics.",{"type":365,"tag":373,"props":522,"children":523},{},[524],{"type":371,"value":525},"The most well-established are:",{"type":365,"tag":373,"props":527,"children":528},{},[529,534,536,541],{"type":365,"tag":379,"props":530,"children":531},{},[532],{"type":371,"value":533},"The value premium",{"type":371,"value":535},": cheaper stocks (measured by price-to-earnings, price-to-book, or dividend yield) have historically outperformed more expensive stocks over long periods. ",{"type":365,"tag":383,"props":537,"children":538},{"href":9},[539],{"type":371,"value":540},"This provides the rationale for a value tilt",{"type":371,"value":542},".",{"type":365,"tag":373,"props":544,"children":545},{},[546,551],{"type":365,"tag":379,"props":547,"children":548},{},[549],{"type":371,"value":550},"The size premium",{"type":371,"value":552},": smaller companies have historically outperformed larger ones, though the premium is less consistent and comes with higher volatility.",{"type":365,"tag":373,"props":554,"children":555},{},[556,561],{"type":365,"tag":379,"props":557,"children":558},{},[559],{"type":371,"value":560},"The quality premium",{"type":371,"value":562},": companies with strong balance sheets, consistent earnings, and low debt have outperformed.",{"type":365,"tag":373,"props":564,"children":565},{},[566],{"type":371,"value":567},"Hale presents these not as guaranteed outperformance but as tilts with long-run evidence behind them. He is careful to note that factor premiums can disappear for extended periods - the value premium was absent for much of the 2010s - and that capturing them requires patience and conviction.",{"type":365,"tag":403,"props":569,"children":570},{},[],{"type":365,"tag":407,"props":572,"children":574},{"id":573},"uk-specific-implementation",[575],{"type":371,"value":576},"UK-Specific Implementation",{"type":365,"tag":373,"props":578,"children":579},{},[580,582,586],{"type":371,"value":581},"Where ",{"type":365,"tag":390,"props":583,"children":584},{},[585],{"type":371,"value":394},{"type":371,"value":587}," particularly excels is its focus on UK-specific tax wrappers and implementation. Hale provides detailed, actionable guidance on:",{"type":365,"tag":589,"props":590,"children":592},"h3",{"id":591},"isas",[593],{"type":371,"value":594},"ISAs",{"type":365,"tag":373,"props":596,"children":597},{},[598],{"type":371,"value":599},"The Stocks and Shares ISA is the primary UK vehicle for long-term investing. Contributions are made from after-tax income, but all growth, dividends, and withdrawals are free of UK tax. Hale covers how to maximise the annual allowance (£20,000 per tax year) and how to select funds within it.",{"type":365,"tag":589,"props":601,"children":603},{"id":602},"sipps",[604],{"type":371,"value":605},"SIPPs",{"type":365,"tag":373,"props":607,"children":608},{},[609],{"type":371,"value":610},"A Self-Invested Personal Pension (SIPP) allows contributions to receive tax relief at your marginal rate - an immediate 25% uplift for basic rate taxpayers, 67% for higher rate. Hale covers the mechanics, the annual allowance (£60,000 per year as of 2024\u002F25), and how to combine ISAs and SIPPs in a coherent long-term structure.",{"type":365,"tag":589,"props":612,"children":614},{"id":613},"the-sequence",[615],{"type":371,"value":616},"The Sequence",{"type":365,"tag":373,"props":618,"children":619},{},[620],{"type":371,"value":621},"For most UK investors, the sequence Hale recommends is:",{"type":365,"tag":623,"props":624,"children":625},"ol",{},[626,632,637],{"type":365,"tag":627,"props":628,"children":629},"li",{},[630],{"type":371,"value":631},"Contribute to workplace pension to capture employer matching",{"type":365,"tag":627,"props":633,"children":634},{},[635],{"type":371,"value":636},"Fill the ISA allowance (for flexible, accessible wealth)",{"type":365,"tag":627,"props":638,"children":639},{},[640],{"type":371,"value":641},"Contribute further to a SIPP for additional tax relief on retirement savings",{"type":365,"tag":373,"props":643,"children":644},{},[645],{"type":371,"value":646},"This structure provides tax efficiency at every stage, flexibility through the ISA, and guaranteed uplift through pension tax relief.",{"type":365,"tag":403,"props":648,"children":649},{},[],{"type":365,"tag":407,"props":651,"children":653},{"id":652},"portfolio-construction",[654],{"type":371,"value":655},"Portfolio Construction",{"type":365,"tag":373,"props":657,"children":658},{},[659],{"type":371,"value":660},"Hale provides model portfolios appropriate for different risk tolerances, combining UK equity, global equity, bonds, and sometimes property. The portfolios become more complex for higher-risk appetites (more equity, more factor tilts) and simpler for lower-risk appetites (more bonds, simpler fund selection).",{"type":365,"tag":373,"props":662,"children":663},{},[664],{"type":371,"value":665},"The common thread across all models is the same: low costs, broad diversification, evidence-based fund selection, and a long-term horizon.",{"type":365,"tag":403,"props":667,"children":668},{},[],{"type":365,"tag":407,"props":670,"children":672},{"id":671},"why-it-remains-the-definitive-uk-guide",[673],{"type":371,"value":674},"Why It Remains the Definitive UK Guide",{"type":365,"tag":373,"props":676,"children":677},{},[678,682],{"type":365,"tag":390,"props":679,"children":680},{},[681],{"type":371,"value":394},{"type":371,"value":683}," works because it was written for the UK market, relies on evidence rather than intuition, and covers both the investment philosophy and the practical implementation in UK tax wrappers.",{"type":365,"tag":373,"props":685,"children":686},{},[687],{"type":371,"value":688},"Most US personal finance books require significant translation. Hale requires none. His fund recommendations are UK-listed. His tax examples are UK tax. His pension guidance is specific to UK regulations.",{"type":365,"tag":373,"props":690,"children":691},{},[692],{"type":371,"value":693},"It is not a light read - at approximately 400 pages, it is thorough rather than breezy. But for investors who want to understand not just what to do but why, it is the most complete single source available for UK investors building long-term wealth.",{"type":365,"tag":403,"props":695,"children":696},{},[],{"type":365,"tag":407,"props":698,"children":700},{"id":699},"frequently-asked-questions",[701],{"type":371,"value":702},"Frequently Asked Questions",{"type":365,"tag":589,"props":704,"children":706},{"id":705},"what-is-smarter-investing-about",[707,709,713],{"type":371,"value":708},"What is ",{"type":365,"tag":390,"props":710,"children":711},{},[712],{"type":371,"value":394},{"type":371,"value":714}," about?",{"type":365,"tag":373,"props":716,"children":717},{},[718,722],{"type":365,"tag":390,"props":719,"children":720},{},[721],{"type":371,"value":394},{"type":371,"value":723}," by Tim Hale is a comprehensive guide to evidence-based portfolio construction for UK investors. It covers the academic evidence for passive investing over active management, how to select low-cost index funds, factor tilts (value, size, quality), and how to implement a long-term portfolio using ISAs and SIPPs. It is UK-specific in its tax guidance and fund recommendations.",{"type":365,"tag":589,"props":725,"children":727},{"id":726},"who-should-read-smarter-investing",[728,730,734],{"type":371,"value":729},"Who should read ",{"type":365,"tag":390,"props":731,"children":732},{},[733],{"type":371,"value":394},{"type":371,"value":735},"?",{"type":365,"tag":373,"props":737,"children":738},{},[739],{"type":371,"value":740},"UK investors who want to move beyond basic \"just buy a tracker\" advice and understand the evidence, the detail, and the implementation in detail. It is suitable for anyone with a basic understanding of investing who wants to make more informed decisions about portfolio construction, factor tilts, and tax-efficient wrappers.",{"type":365,"tag":589,"props":742,"children":744},{"id":743},"what-does-hale-say-about-active-fund-management",[745],{"type":371,"value":746},"What does Hale say about active fund management?",{"type":365,"tag":373,"props":748,"children":749},{},[750],{"type":371,"value":751},"Hale's position is clear: the evidence shows that active management costs more and, after those costs, underperforms passive alternatives for the majority of funds over long periods. He acknowledges that some active managers outperform, but argues that identifying them in advance is not reliably possible. The rational response is to accept market returns at minimum cost.",{"type":365,"tag":589,"props":753,"children":755},{"id":754},"how-does-smarter-investing-compare-to-the-little-book-of-common-sense-investing",[756,758,762,764,769],{"type":371,"value":757},"How does ",{"type":365,"tag":390,"props":759,"children":760},{},[761],{"type":371,"value":394},{"type":371,"value":763}," compare to ",{"type":365,"tag":390,"props":765,"children":766},{},[767],{"type":371,"value":768},"The Little Book of Common Sense Investing",{"type":371,"value":735},{"type":365,"tag":373,"props":771,"children":772},{},[773],{"type":371,"value":774},"Both make the case for low-cost passive investing. Bogle's book is shorter, more philosophical, and US-focused. Hale's book is longer, more technical, UK-specific, and covers factor tilts and portfolio construction in significantly more depth. Read Bogle for the philosophy; read Hale for the UK implementation.",{"type":365,"tag":589,"props":776,"children":778},{"id":777},"is-smarter-investing-up-to-date",[779,781,785],{"type":371,"value":780},"Is ",{"type":365,"tag":390,"props":782,"children":783},{},[784],{"type":371,"value":394},{"type":371,"value":786}," up to date?",{"type":365,"tag":373,"props":788,"children":789},{},[790],{"type":371,"value":791},"The most recent edition incorporates updated fund data and addresses changes in the UK regulatory environment. Specific fund costs and structures change over time, so always verify current figures directly with fund providers. The core evidence-based philosophy is durable and not time-sensitive.",{"type":365,"tag":403,"props":793,"children":794},{},[],{"type":365,"tag":796,"props":797,"children":798},"blockquote",{},[799],{"type":365,"tag":373,"props":800,"children":801},{},[802,811,813],{"type":365,"tag":379,"props":803,"children":804},{},[805],{"type":365,"tag":383,"props":806,"children":808},{"href":385,"rel":807},[387],[809],{"type":371,"value":810},"Smarter Investing - Tim Hale",{"type":371,"value":812}," - The definitive UK guide to evidence-based portfolio construction. If you only read one investing book as a UK investor, make it this one. ",{"type":365,"tag":390,"props":814,"children":815},{},[816],{"type":371,"value":817},"(Affiliate link - we may earn a small commission at no extra cost to you.)",{"type":365,"tag":796,"props":819,"children":820},{},[821],{"type":365,"tag":373,"props":822,"children":823},{},[824,834,836],{"type":365,"tag":379,"props":825,"children":826},{},[827],{"type":365,"tag":383,"props":828,"children":831},{"href":829,"rel":830},"https:\u002F\u002Famzn.to\u002F4lYn6pq",[387],[832],{"type":371,"value":833},"Winning the Loser's Game - Charles D. Ellis",{"type":371,"value":835}," - The American companion to Smarter Investing, making the definitive case that professional investing has become a loser's game where the rational move is to stop competing and capture market returns instead. ",{"type":365,"tag":390,"props":837,"children":838},{},[839],{"type":371,"value":817},{"type":365,"tag":796,"props":841,"children":842},{},[843],{"type":365,"tag":373,"props":844,"children":845},{},[846,856,858],{"type":365,"tag":379,"props":847,"children":848},{},[849],{"type":365,"tag":383,"props":850,"children":853},{"href":851,"rel":852},"https:\u002F\u002Famzn.to\u002F4bOuOO5",[387],[854],{"type":371,"value":855},"The Bogleheads' Guide to Investing - Taylor Larimore et al.",{"type":371,"value":857}," - The community companion to Bogle's philosophy, covering the three-fund portfolio and everything needed to implement a simple, low-cost long-term strategy. ",{"type":365,"tag":390,"props":859,"children":860},{},[861],{"type":371,"value":817},{"type":365,"tag":373,"props":863,"children":864},{},[865],{"type":365,"tag":379,"props":866,"children":867},{},[868],{"type":371,"value":869},"Related Reading:",{"type":365,"tag":871,"props":872,"children":873},"ul",{},[874,881,889],{"type":365,"tag":627,"props":875,"children":876},{},[877],{"type":365,"tag":383,"props":878,"children":879},{"href":149},[880],{"type":371,"value":150},{"type":365,"tag":627,"props":882,"children":883},{},[884],{"type":365,"tag":383,"props":885,"children":886},{"href":9},[887],{"type":371,"value":888},"Too Much US Tech? How a Value Tilt Can Rebalance Your Portfolio",{"type":365,"tag":627,"props":890,"children":891},{},[892],{"type":365,"tag":383,"props":893,"children":894},{"href":29},[895],{"type":371,"value":30},{"title":347,"searchDepth":897,"depth":897,"links":898},2,[899,900,901,902,908,909,910],{"id":409,"depth":897,"text":412},{"id":438,"depth":897,"text":441},{"id":505,"depth":897,"text":508},{"id":573,"depth":897,"text":576,"children":903},[904,906,907],{"id":591,"depth":905,"text":594},3,{"id":602,"depth":905,"text":605},{"id":613,"depth":905,"text":616},{"id":652,"depth":897,"text":655},{"id":671,"depth":897,"text":674},{"id":699,"depth":897,"text":702,"children":911},[912,914,916,917,919],{"id":705,"depth":905,"text":913},"What is Smarter Investing about?",{"id":726,"depth":905,"text":915},"Who should read Smarter Investing?",{"id":743,"depth":905,"text":746},{"id":754,"depth":905,"text":918},"How does Smarter Investing compare to The Little Book of Common Sense Investing?",{"id":777,"depth":905,"text":920},"Is Smarter Investing up to date?","markdown","content:articles:unlocking-financial-success-a-comprehensive-review-of-smarter-investing-by-tim-hale.md","content","articles\u002Funlocking-financial-success-a-comprehensive-review-of-smarter-investing-by-tim-hale.md","articles\u002Funlocking-financial-success-a-comprehensive-review-of-smarter-investing-by-tim-hale","md",[928,930,932,934,936,937,939,940,941,943,945,947,949,951,953,955,957,959,961,963,965,967,969,971,973,975,977,979,981,983,985,987,989,991,993,995,997,999,1001,1003,1005,1007,1009,1011,1013,1015,1017,1019,1021,1023,1025,1027,1029,1031,1033,1035,1037,1039,1041,1042,1044,1046,1048,1050,1052,1054,1056,1058,1060,1062,1064,1066,1068,1070,1072,1074,1076,1078,1080,1082,1084,1086,1088,1090,1092],{"_path":189,"title":190,"date":929},"2026-04-05",{"_path":169,"title":170,"date":931},"2026-04-04",{"_path":217,"title":218,"date":933},"2026-04-03",{"_path":65,"title":66,"date":935},"2026-04-02",{"_path":177,"title":178,"date":935},{"_path":37,"title":38,"date":938},"2026-04-01",{"_path":89,"title":90,"date":938},{"_path":161,"title":162,"date":938},{"_path":233,"title":234,"date":942},"2026-03-31",{"_path":197,"title":198,"date":944},"2026-03-30",{"_path":329,"title":330,"date":946},"2026-03-29",{"_path":185,"title":186,"date":948},"2026-03-28",{"_path":105,"title":106,"date":950},"2026-03-27",{"_path":85,"title":86,"date":952},"2026-03-26",{"_path":77,"title":78,"date":954},"2026-03-25",{"_path":69,"title":70,"date":956},"2026-03-24",{"_path":61,"title":62,"date":958},"2026-03-23",{"_path":33,"title":34,"date":960},"2026-03-22",{"_path":21,"title":22,"date":962},"2026-03-21",{"_path":17,"title":18,"date":964},"2026-03-20",{"_path":5,"title":6,"date":966},"2026-03-19",{"_path":325,"title":326,"date":968},"2026-03-18",{"_path":317,"title":318,"date":970},"2026-03-17",{"_path":209,"title":210,"date":972},"2026-03-16",{"_path":193,"title":194,"date":974},"2026-03-15",{"_path":145,"title":146,"date":976},"2026-03-14",{"_path":41,"title":42,"date":978},"2026-03-13",{"_path":117,"title":118,"date":980},"2026-03-12",{"_path":29,"title":30,"date":982},"2026-03-11",{"_path":97,"title":98,"date":984},"2026-03-10",{"_path":13,"title":14,"date":986},"2026-03-09",{"_path":133,"title":134,"date":988},"2026-03-08",{"_path":173,"title":174,"date":990},"2026-03-07",{"_path":49,"title":50,"date":992},"2026-03-06",{"_path":109,"title":110,"date":994},"2026-03-05",{"_path":121,"title":122,"date":996},"2026-03-04",{"_path":125,"title":126,"date":998},"2026-03-03",{"_path":213,"title":214,"date":1000},"2026-03-02",{"_path":221,"title":222,"date":1002},"2026-03-01",{"_path":225,"title":226,"date":1004},"2026-02-28",{"_path":241,"title":242,"date":1006},"2026-02-27",{"_path":245,"title":246,"date":1008},"2026-02-26",{"_path":137,"title":138,"date":1010},"2026-02-25",{"_path":9,"title":10,"date":1012},"2026-02-24",{"_path":73,"title":74,"date":1014},"2026-02-23",{"_path":81,"title":82,"date":1016},"2026-02-22",{"_path":141,"title":142,"date":1018},"2026-02-21",{"_path":149,"title":150,"date":1020},"2026-02-20",{"_path":181,"title":182,"date":1022},"2026-02-19",{"_path":313,"title":314,"date":1024},"2026-02-18",{"_path":321,"title":322,"date":1026},"2026-02-17",{"_path":337,"title":338,"date":1028},"2026-02-16",{"_path":129,"title":130,"date":1030},"2026-02-15",{"_path":165,"title":166,"date":1032},"2026-02-14",{"_path":253,"title":254,"date":1034},"2026-02-13",{"_path":57,"title":58,"date":1036},"2026-02-12",{"_path":229,"title":230,"date":1038},"2026-02-11",{"_path":205,"title":206,"date":1040},"2026-02-10",{"_path":293,"title":294,"date":348},{"_path":45,"title":46,"date":1043},"2026-02-08",{"_path":25,"title":26,"date":1045},"2026-02-07",{"_path":93,"title":94,"date":1047},"2026-02-06",{"_path":201,"title":202,"date":1049},"2026-02-05",{"_path":237,"title":238,"date":1051},"2026-02-04",{"_path":249,"title":250,"date":1053},"2026-02-03",{"_path":257,"title":258,"date":1055},"2026-02-02",{"_path":261,"title":262,"date":1057},"2026-02-01",{"_path":265,"title":266,"date":1059},"2026-01-31",{"_path":269,"title":270,"date":1061},"2026-01-30",{"_path":277,"title":278,"date":1063},"2026-01-29",{"_path":281,"title":282,"date":1065},"2026-01-28",{"_path":285,"title":286,"date":1067},"2026-01-27",{"_path":289,"title":290,"date":1069},"2026-01-26",{"_path":297,"title":298,"date":1071},"2026-01-25",{"_path":301,"title":302,"date":1073},"2026-01-24",{"_path":305,"title":306,"date":1075},"2026-01-23",{"_path":309,"title":310,"date":1077},"2026-01-22",{"_path":333,"title":334,"date":1079},"2026-01-21",{"_path":341,"title":342,"date":1081},"2026-01-20",{"_path":53,"title":54,"date":1083},"2026-01-19",{"_path":101,"title":102,"date":1085},"2026-01-18",{"_path":113,"title":114,"date":1087},"2026-01-17",{"_path":153,"title":154,"date":1089},"2026-01-16",{"_path":157,"title":158,"date":1091},"2026-01-15",{"_path":273,"title":274,"date":1093},"2026-01-14",1775407230072]