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The Investment Thread

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#1

Posted: March 06, 2017, 1:37 PM Post
Posts: 509
I am at that point in my life where I am going to start investing in a more personal manner. I have retirement accounts which do not require a lot of work. I am looking at income generators and wanted to start a thread where we could share ideas, articles, etc.

Right now I am leaning towards more real estate versus putting it in the market.


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#2

Posted: March 06, 2017, 2:55 PM Post
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wallus said:
I am at that point in my life where I am going to start investing in a more personal manner. I have retirement accounts which do not require a lot of work. I am looking at income generators and wanted to start a thread where we could share ideas, articles, etc.

Right now I am leaning towards more real estate versus putting it in the market.


If you are going the real estate route what kind of real estate are we talking about? Business or housing?

Real estate can be more riskier than the market and can be harder to sell or lease.

Gold and silver can still get you nice returns just don't buy coins they are harder to sell ie. melt value is not worth it get bars instead and cut them up and sell when above market.


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#3

Posted: March 06, 2017, 3:14 PM Post
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Housing as I have one duplex now and it isn't that difficult. Luckily, I purchased this property in the nice part of the town and have never spent a dime getting it rented out to quality tenants.

I honestly have no knowledge on gold and silver investment. Is that what you buy/sell?


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#4

Posted: March 06, 2017, 5:08 PM Post
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Given the expected rise in inflation, real estate is a good place to be.

"Dustin Pedroia doesn't have the strength or bat speed to hit major-league pitching consistently, and he has no power......He probably has a future as a backup infielder if he can stop rolling over to third base and shortstop." Keith Law, 2006


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#5

Posted: March 06, 2017, 6:21 PM Post
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I can't add much to this. I invest modestly in stocks. Late in 2015, I came upon more of IPO investing and done well thus far. They are supposed to be risky investment, but I've only gone in stocks that hadn't popped, seem to read as having some interest by others to invest, and I think it is in a promising type of market I guess.
Take Snapchat, which had it's IPO last week. I had interest at the reported initial price offering of $14-16. Big timers who get first dibs on the "Initial Public Offering" bought in at $17. So when it truly began Public Offering, meaning Joe Schmo(me) can buy it himself, It opened at something like $23.50. Making $6.50 for the rich folks that are allowed the dibs and Joe Schmo Buying off their shares at a +38% gain and +46% above their proposed high initial price offering. In just a few days/hours/minutes it got as high at $29.44. which if you lucked in to that exact moment meant you as Joe Schmo made about 25%. If you held on for further well it closed today at 23.77 or less than 1% gain for you.
This example I stay away from. You want to get the initial pop and that initial pop was your first buying opportunity past the pop.
So, move on.

I look for the types I can get in within the asked for price range give or take a small pct. gain. My targets have done well and my patience done well too, not to buy in post initial pop.

Now if you're close to retirement age this isn't an idea you want to look for investing due to the risk. If you're somewhere around younger age 24-40 maybe? Something to play with your money. I look at these risky investments as being better than buying lottery tickets or playing money in a casino. Keeps me from going out and spending $5-20 when a Powerball or Mega Millions gets way up there.

So if anyone is in that kind of investing then we can trade on info or debate potential IPOs to look in to.


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Posted: March 06, 2017, 6:58 PM Post
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homer said:
Given the expected rise in inflation, real estate is a good place to be.


If you can get into real estate now or are already in it then yes. If the Fed does increase the interest rates to where they should be rental properties will be even better as there will be less and less people who will be able to afford to buy a house. If you are going into real estate to flip houses I would hold back until there is more information about what the Fed is going to do in terms of interest rates. Having less buyers if the interest rates do go up will put a hurt on home sales but rentals should see an increase.


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#7

Posted: March 06, 2017, 8:32 PM Post
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A stocks thread? Count me in! Don't know as much about real estate though, still trying not to pay through the nose on a first house let alone real estate investing.


Brew, IPO's can be tough sledding from my experience but there are definitely gems out there that go overlooked. Biotechs can be sneaky good if one knows what they're looking for. Alot of the IPO's i've seemed to notice it often takes a year or two to work out the sellers / lockup expiry (the insiders can sell at X date) before they head upward though. Give POLA a look, been watching it for a bit now but haven't bought in yet...my account is pretty small so have to pick and choose what i'm in rather than a broad basket.


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#8

Posted: March 06, 2017, 9:20 PM Post
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No, I'm strictly short on these IPO buys. I've bought 6 total thus far, Sold out on 5 of them with gained avg over 45% on those 5. The 6th has made money, just not where I want to sell out, happens to give a dividend so I trust it will continue modestly well.

In 2015 I tried Dividend types. Lost big time on one(oil) The other took awhile. Trial and error. 3 different type of stocks dealing with oil. Taught me how the market can feed in a sector and which sectors sorta hit miss. Like you suggested biotech can be huge gains or losses. Oil is going to be mostly a losing preposition for some time. So it's sorta come to pick something in IPOs that have usefulness or potential usefulness. The hot ones are Tech stuff. The Trade Desk and Everbridge were two I missed out on. Part due to the early pop no shop. Part because I made mistake on symbol for trade desk. thinking tdd and not ttd. Oops. Snap sorta fell in that line of Tech, even though it says it's camera, but again early pop no shop. Healthcare is one I look for and hit on 3 of them.

Oddly, an upcoming IPO is something that I believe I seen in the bothering you thread. Canada Goose those overpriced Parka Coats. They have a lot of good numbers going for them to have a short-term pop, maybe even lasting through a year somewhat steady in price. But $1,000 coats aren't exactly being bought up by blue collars. So the trendy White Collars are making this coat a lot of money right now, but at some point, the trend will end. Having a stock price of say $11-12 doesn't take much a big hike to go up 33% or more. I could see hype jumping this to $16-18 maybe even 20 in no time before the shine fades off and settles towards a modest price. So I'm looking to keep an eye on that.


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#9

Posted: March 06, 2017, 9:29 PM Post
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nate82 said:
homer said:
Given the expected rise in inflation, real estate is a good place to be.


If you can get into real estate now or are already in it then yes. If the Fed does increase the interest rates to where they should be rental properties will be even better as there will be less and less people who will be able to afford to buy a house. If you are going into real estate to flip houses I would hold back until there is more information about what the Fed is going to do in terms of interest rates. Having less buyers if the interest rates do go up will put a hurt on home sales but rentals should see an increase.


This is exactly what I am thinking. The local market where I am seems to be overpriced for the rents that can be gotten.


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#10

Posted: March 06, 2017, 10:59 PM Post
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I'm a boring mid-cap 401k and Roth guy.


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#11

Posted: March 06, 2017, 11:28 PM Post
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I've always wanted to play the stock market a bit but I'm not even sure where I would start.

“There's a fine line between being confident and cocky, or overconfident. This is an extremely humbling game. But if you don't believe in yourself, no one else is going to believe in you.”


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#12

Posted: March 06, 2017, 11:48 PM Post
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Brew4U said:
I've always wanted to play the stock market a bit but I'm not even sure where I would start.


Most rewarding, and the most frustrating thing in existence. If you try it you will likely lose money to start, but get a strategy down that fits you (it's different for everyone) and stick to it. Mine is small cap biotechs. Obey max loss tolerance at all costs and bail when it's obvious to, don't "hope" for it to turn around. As long as you keep yourself in the game and don't blow up you will succeed and feel achievement you've never felt before.

Oh...and don't fall for the "gurus" selling services. There are a few really good people out there that want to show you the way, but stay 100 miles away from anything that says "rich" and "fast," or "turned X into XXXX in a few months." It doesn't work that way out of the gate.


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#13

Posted: March 07, 2017, 6:41 AM Post
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superfly said:
Brew4U said:
I've always wanted to play the stock market a bit but I'm not even sure where I would start.


Most rewarding, and the most frustrating thing in existence. If you try it you will likely lose money to start, but get a strategy down that fits you (it's different for everyone) and stick to it. Mine is small cap biotechs. Obey max loss tolerance at all costs and bail when it's obvious to, don't "hope" for it to turn around. As long as you keep yourself in the game and don't blow up you will succeed and feel achievement you've never felt before.

Oh...and don't fall for the "gurus" selling services. There are a few really good people out there that want to show you the way, but stay 100 miles away from anything that says "rich" and "fast," or "turned X into XXXX in a few months." It doesn't work that way out of the gate.



I feel like my first step would be buying a playing the stock market book for dummies. Just to understand more of the lingo.

“There's a fine line between being confident and cocky, or overconfident. This is an extremely humbling game. But if you don't believe in yourself, no one else is going to believe in you.”


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#14

Posted: March 07, 2017, 7:24 AM Post
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This should be a fun thread. I'm slowly getting into investing since I've finally found a job. It's partly to feed my gambling itch and partly because 401Ks don't tend to beat the market and so I want to do a lot of it myself. I have 5% going to a 401K (I either use that or get nothing at all, so obvious choice) but want to focus on paying off my school loans before I start putting a lot in each month.

Rule #1 Podcast is a good place to start to learn about basics and terms. It's focus is value investing and not a lot of short-term moving around.

I also use this Graham Number Calculator: http://dqydj.com/graham-number-calculat ... you-enter/

I also use Dataroma.com a lot. Any fund worth $100M+ is required to list their buys and sells with the SEC quarterly. It doesn't hurt to just do whatever Charlie Munger is doing, but I tend to look for people who don't move that much around, look for something whose value hasn't changed significantly since the person purchased it, make sure it's in an area I understand, and do my own research on it. A UNLV study was actually done on this covering about 30 years' time--they bought the stocks that Warren Buffet bought on the day it became publicly known at the worst price that day, and then sold it when the sell became publicly known at the worst price that day, and that still resulted in an average 25% gain per year.


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#15

Posted: March 07, 2017, 7:37 AM Post
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Brew4U said:
I've always wanted to play the stock market a bit but I'm not even sure where I would start.


I've always thought the best way to figure out the stock market a bit is to pick a company or industry you already know something about. Like if you are in to video games. Which company do you think is coming out with content ahead of its time. Take that company and start researching it more. Than compare it to some other companies and figure out which one has the best long term potential. If you already know a lot about the topic, it's much easier to start to figure out which companies might be good stocks to target. I would highly suggest that your first purchase (or couple) should be companies that you want to own longer term. It's much more complicated to go in with the mindset that you are only looking to buy and then sell a week later for a profit. Look for something you can hold for a couple years because you think their long term potential is there.

Next bit of advice is don't overreact to news once you own the stock. If you sell every time a bit of bad news comes out, you will lose. If the main reasons you picked the stock in the first place, haven't changed, you should continue to believe in that company.

Just my two cents, but I think diving in to something you already enjoy and have some opinion on, can make this very enjoyable.


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#16

Posted: March 07, 2017, 9:01 AM Post
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RobDeer 45 said:
Brew4U said:
I've always wanted to play the stock market a bit but I'm not even sure where I would start.


I've always thought the best way to figure out the stock market a bit is to pick a company or industry you already know something about. Like if you are in to video games. Which company do you think is coming out with content ahead of its time. Take that company and start researching it more. Than compare it to some other companies and figure out which one has the best long term potential. If you already know a lot about the topic, it's much easier to start to figure out which companies might be good stocks to target. I would highly suggest that your first purchase (or couple) should be companies that you want to own longer term. It's much more complicated to go in with the mindset that you are only looking to buy and then sell a week later for a profit. Look for something you can hold for a couple years because you think their long term potential is there.

Next bit of advice is don't overreact to news once you own the stock. If you sell every time a bit of bad news comes out, you will lose. If the main reasons you picked the stock in the first place, haven't changed, you should continue to believe in that company.

Just my two cents, but I think diving in to something you already enjoy and have some opinion on, can make this very enjoyable.


Thanks. I appreciate the advice and it sounds like a solid idea. Maybe that is where I will start.

“There's a fine line between being confident and cocky, or overconfident. This is an extremely humbling game. But if you don't believe in yourself, no one else is going to believe in you.”


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#17

Posted: March 07, 2017, 9:06 AM Post
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nate82 said:
homer said:
Given the expected rise in inflation, real estate is a good place to be.


If you can get into real estate now or are already in it then yes. If the Fed does increase the interest rates to where they should be rental properties will be even better as there will be less and less people who will be able to afford to buy a house. If you are going into real estate to flip houses I would hold back until there is more information about what the Fed is going to do in terms of interest rates. Having less buyers if the interest rates do go up will put a hurt on home sales but rentals should see an increase.


Yes, I did not mean flipping houses. Fixed interest rate borrowing.

Can also invest in a REIT if you can't buy real estate.

"Dustin Pedroia doesn't have the strength or bat speed to hit major-league pitching consistently, and he has no power......He probably has a future as a backup infielder if he can stop rolling over to third base and shortstop." Keith Law, 2006


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#18

Posted: March 07, 2017, 9:08 AM Post
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davego said:
I'm a boring mid-cap 401k and Roth guy.


I switched all my retirement accounts to index funds. Fees are way cheaper and over time you do exactly the same as trying to beat the market.

"Dustin Pedroia doesn't have the strength or bat speed to hit major-league pitching consistently, and he has no power......He probably has a future as a backup infielder if he can stop rolling over to third base and shortstop." Keith Law, 2006


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#19

Posted: March 07, 2017, 9:22 AM Post
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GAME05 said:
This should be a fun thread. I'm slowly getting into investing since I've finally found a job. It's partly to feed my gambling itch and partly because 401Ks don't tend to beat the market and so I want to do a lot of it myself. I have 5% going to a 401K (I either use that or get nothing at all, so obvious choice) but want to focus on paying off my school loans before I start putting a lot in each month.
.


I would do that math on that before committing to paying off the student loans. If your company is matching your 401K and your student loan interest rate is low, then over the long haul you end up with more money investing in your 401K (assuming it beats the interest on the student loan). I'm in the same boat and found an online calculator to help figure it out.

https://studentloanhero.com/calculators ... alculator/

"Dustin Pedroia doesn't have the strength or bat speed to hit major-league pitching consistently, and he has no power......He probably has a future as a backup infielder if he can stop rolling over to third base and shortstop." Keith Law, 2006


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#20

Posted: March 07, 2017, 10:06 AM Post
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I agree with you in a sense. I definitely would make more money in the long term by investing additional money and not being in a rush to pay off the loans. Even at a modest return I'd calculated about $800 more that I'd make with investing to the point my loans were paid. But I decided that being entirely debt-free is worth more than $800 to me. I'll still check out the calculator you posted and see if my own figures were about right, though. Thanks.


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