What have I done so far?
I’m almost 31 years old and now I live on my own and settled after. This does not come free, walked already very walk to save on the bus, I’ve been thirsty and hungry on the street to not spend the square, already dined very Chinese pasta to not go to bed hungry, I have taken a lot of water for breakfast and then I drank only black coffee at work with French bread that someone took.
I live in a city that rent is fuck expensive and preferred to buy soon an ap. It was kind of without thinking, there are days that I regret this, there are days that I am relieved, also at the time I bought it I did not have much knowledge of finances and I did not know the products correctly to invest.
My rent was going to be 2k for me to pay for myself since I do not live with my parents and I’m not even married. As I was going to stay for 6 years in this city I’m calculating 2k * 12 * 6 = 144k. Damn, if I’m going to live here all this time I’m going to throw 144k in the trash and I’m going to get out of hand, so I’m going to buy a small, simple ap on the way out of the rent (since I was 11 years old, You can be a financier, you can do calculations and tables and damn it, but no one wants to admit that it’s fucking living for rent, every month to give money to the owner, reinforcing his homelessness that does not have one home.
I’ve been paid to pay rent, and I was humiliated by a tenant when I lived a short time abroad, he even threatened to call the police to get me out of his property, which is not even 15 days late, Brazilian and poor-faced fuck in Brazil imagine the strangers. I filled the bag that I went out and bought, ready! Now I have felt more man and more people in life, I only receive ordinary bills to pay, light, health plan, and other things, less the rent.
After I read the book – THE richest MAN OF BABYLON – (we also recommend that you also read) was that I was more reassured, he talks to you buy your home before you invest, it will leave you in peace, and may be Truth indeed, I feel at peace. The app I bought is a tremendous favelão hi-tech, square 60m, 8 per floor after an avalanche welded towers and a very messy crowd. By my count has 540 villas in my condo so I imagine there in and out of cars, deliverers, visits, day laborers, friends, family and more.
According to the book Rich Dad, DAD POOR he speaks often “if your home is your biggest investment, you will be lost.” I like truth, I will not and would not buy an expensive home, great to give work that needs to be employed and not to please future wife that if she did not help you?
My ap cost 297k where I gave a big ticket and then I removed the rest in about 18 months. It was expensive to pay, high-value ticket scares, and I worked in a private company at the time, I screwed up to pay, but I paid, I got a bottle of fuck champagne from the construction company in a briefcase with the key chain, I put to chill, I drank and I played almost everything In the trash! Wretched little champagne made with a horrible grape! After you give 300k to the guy he could not even give you anything, but if he’s going to give you a sparkling drink that gives you a decent one, will not the damn directors have tried that garbage before giving it to someone? My ap does not consider investment nor active, since I live in him I consider passive. Of active, I only have stocks for now.
I started working early, at age 11 I was already working, but working hard and having a college degree, only in 2009, before I worked, but money was not enough and it did not even bite to live.
Today I have a portfolio of almost R $ 48o.000,00 adding the current value or give many dividends but this is my strategy, I bought many growth companies and so far the price did not walk next to anything, is fucking action riding Side while the world of the normal people are earning 14% pa in the TD lending money to the Dilma communist dictatorship. Yes, I hate EN and leftists Brazilian robber state and most public funcA who just want to earn more and work less and fuck the rest of Brazilians. Of course, there are exceptions, but my anger at public functions exists, and there are even some in my family. For me, it sold all the public companies including colleges and everything was private.
Currently, these are the assets that have shares in Bovespa:
I started very concentrated in Cielo, Bbas, and Eztec, then I am making contributions in the remaining ones, it is 3-5% of the goal of the home portfolio company, I already retired Marcopolo, Santos Brasil, Kepler Weber, Sabesp, Lopes Brasil, sold all with small Losses, but nothing that shaken the wallet, that was the good side of diversifying and spraying at the beginning, I was afraid of losing money so I did it.
I left these companies because the fundamentals changed, the profit fell and the debt increased, I do not like to stay in a company with debt, I like insurers and banks and companies without debt. For now, they are these, I do not want to diversify anymore, I want to buy good companies even with high multiples, I was thinking about the shit of the PL that I fucked in some watching price quote, but I call very little for it, really. To invest in the stock market requires some coolness that I have, aside from a certain detachment from money, I never thought of selling in panic or casualties. It has been almost 36 months since I have contributed with relevant constancy, except for a period of 6 months that I changed jobs and fucked.
On dividends have gained very little, which is making me a little uncomfortable, I know that for phase I’m accumulating equity dividends not matter much, but he fucked me much to work and gathered a lot of money on the Bovespa and I’m still Without dividends, when I think that I could already be earning some 4k a month in FII of clean and soft profits I’m a little pissed. All my poor Spartan life accounts wanting to improve their lives give a 5k per month maximum, then I would be almost tied my life at zero to zero if you had bought FIIs, though shares prices have fallen since I started Investing 36 months ago, maybe you got one thing for another, you know. BUT what matters is that the foundations and profits of the companies that I have are going well, despite the crisis caused by the tapir president of Brazil.
Here are my dividends received:
Dividends BOVESPA in REAIS.
Thanks for having me.