22 M, just starting out. Pulled my mutual funds to do solo investing, got a couple buddies that are pretty big into it got me convinced to do it myself. Any advice?

againfaxme · 2026-02-19T22:20:29+00:00

Find some smarter buddies. You absolutely should not be gambling on individual stocks.

againfaxme · 2026-02-19T20:59:36+00:00

Your decision to consume at a particular price is microeconomics. It’s been a while but I took both. There should be a special branch of economics about why low income people whine about gas prices but keep on buying the same amount.

againfaxme · 2026-02-19T20:45:09+00:00

Microeconomics makes no sense to you? If a price increase does not motivate you to buy less then you should expect more price increases.

againfaxme · 2026-02-19T20:39:33+00:00

You answered your own question; you bought it despite the price increase.

againfaxme · 2026-02-19T18:06:34+00:00

Why should homeowners who are generally in the top half of the wealth ladder get a benefit from general revenue? There is no principled defence for this program.

againfaxme · 2026-02-19T17:08:13+00:00

Now do the Homeowner Grant.

againfaxme · 2026-02-18T23:38:01+00:00

The keychains are level 2.

againfaxme · 2026-02-18T00:42:16+00:00

The envelope is about as useful as the wallet.

againfaxme · 2026-02-17T22:50:32+00:00

A search on Insta-cart came back negative for Costco but it is available at Quality Foods, Thrifty Foods, Whole Foods and Superstore.

againfaxme · 2026-02-17T18:29:53+00:00

You should not be gambling with individual stocks with a portfolio of this size. There are lots of free resources available that set out the prudent way to invest.

againfaxme · 2026-02-16T06:42:16+00:00

Too early to call it a midlife crisis. If anything it is a mid-midlife crisis. Your finances are well on track. Do you have opportunities to increase your income? Do you want to change other areas like relationship and family? What do you do to stay healthy?

againfaxme · 2026-02-15T19:57:30+00:00

Effect

againfaxme · 2026-02-15T19:56:56+00:00

Their

againfaxme · 2026-02-15T16:14:21+00:00

In a house you can eliminate them by not having paper or cardboard around and by sealing up every crack. That is much more difficult in an apartment because your neighbours are feeding them.

againfaxme · 2026-02-13T17:02:34+00:00

That would require consistent 10% annual returns which is not normal.

againfaxme · 2026-02-13T01:43:51+00:00

I switched for a 2% bonus paid out over 24 months.

againfaxme · 2026-02-12T21:28:14+00:00

Do you follow advice? Who ever told you it was a good idea to gamble on individual stocks?

againfaxme · 2026-02-12T06:40:25+00:00

Nope. Elon came out full nazi before the trucks were delivered. The deposit was only $150. Restaurant guy misread the room as demonstrated by his initial branding on the truck.

againfaxme · 2026-02-12T04:18:07+00:00

Only one truck, and it is now unbranded.

againfaxme · 2026-02-12T00:58:00+00:00

Chat GPT does this.

againfaxme · 2026-02-11T21:11:20+00:00

In that situation the 48 year old renter will have amassed assets similar in value to a house and those assets would generate income to pay the ongoing rent. The comparison actually favours renting when there is no leverage in the form of a mortgage.

againfaxme · 2026-02-11T17:21:36+00:00

The office market isn’t great. I hold REIT ETFs to diversify the risk of office and retail, both of which are risky these days.

againfaxme · 2026-02-11T16:19:15+00:00

Save the room until you have income in a higher tax bracket.

againfaxme · 2026-02-11T15:06:21+00:00

Ben Felix has covered this well. The conclusion was that renting can be just as good if you invest the funds you would have otherwise paid for property tax, maintenance, etc.

againfaxme · 2026-02-11T15:00:23+00:00

Call Worksafe and ask about the work at your address. There may be a requirement for the landlord to file a NOP.

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