Timing is everything they say

 Timing is Everything!

Well… if we all know what would happen in time we’d be having quite a run. Unfortunately we can only look back to what has been and draw some expectations from it. That’s exactly what I did. I took a look at previous points and kept an eye on the prices. When I thought it was at a good price I bought. I didn’t take to many days thou because I knew I had to make my first position and couldn’t wait another. 3 or 4 weeks or longer. So I first set foot in the stock market.

Buying ETF’s wasn’t something I regret. Well atleast not at this point. Let’s be honest what do I know. I’m John Snow at this point. In a month a lot has changed and the month November has been a hobbly wobbly ride. Looking back at it, at this point, I made about 1% return on investment in 1 month. However I can’t count the times on one hand it was -1% too. Thus hobbly wobbly.

So I want to show you some graphs according to my timing and give you my idea about it, a bit. So let’s start with my first purchase IWDA. You can see 2 buying points marked in purple. As you can see it wasn’t the ideal time to buy but I didn’t do to bad either. I bought on the 10th & 14th of November 2017.

iwda month novermber 2017

Secondly I bought CEMU on the 14th of November. Looking at the monthly graph I’m pretty happy I bought it on the 14th. There was another good chance around the 1st of December but it wouldn’t have been such a huge different + I thought it was about time I took my initial position in these 4 ETF’s.

cemu november 14th 2017

Next I bought EMIM on the 15th of November 2017. Well. It’s not that I bought high but as you can see EMIM isn’t doing to great, at this point. However I still manage to squeeze out a 2.49 euro profit(included costs/tax). That’s better than nothing right? I take that little profit any time rather than a loss.

EMIM november 14th 2017

Lastly, I made step into small-caps. I hope ZPRS will give me an amazing time! Like that fancy girl I met in high-school if you catch my drift. 😉 I Bought on the 16th of November after the dip. I would have done better if I bought it on the 15th but then again… you can’t time the market. Timing is everything. You make sure timing is everything by making those make smart weighted decisions.

My next buy on all of these will probably be if there’s a bigger dip. I’m gonna wait a couple of weeks for now till another good moment presents itself. If not buy half januari, I’ll buy the same amount of what I already bought half november. I’ll still have 50% cash reserve left after that.

ZPRS 16th november 2017

So what do you folks think? What would you have done? Do you think I made good choices? Remember these is my first time in the market. I still need to learn a lot! Any advice is welcome so I can sharpen my sword! 🙂


Here we go another guy who posts how frugal he is!

Exactly… that’s exactly what I’m also going to do. Why might you ask? Well to put things into perspective… we are a growing group of environmental, budget-friendly people who are done with overpriced low-quality items sold to us by greedy marketers, with no souls might I add. They say it’s the gingers… I beg the difference! I’ve seen enough when I tried out studies in marketing just to broaden my horizon. Haha! Of course not for fun… Because when I was in it I noticed what kind of sickening industry it was. I did it to find a common ground perhaps let’s say a political career. I know people never like or liked to be fooled/cheated and mistreated.

I don’t see myself as a Don Quichotte or Sisyphus. No, not at all. I stopped doing the same things the same, all of the time, all over the place(kidding). I stopped hoping something will change, I accepted some screws are really rusty and need a hand of help and still won’t come off that easily. My ingenuity grows over the years. Especially when I go visit industries I completely hate for what they are. Not the typical stereotypical politician this one will be, some might one day say. I’m a hard knock life reformation kind of guy! I don’t want to change this world… I rather see it sort itself out and have it delete/recycle/improve some things. But that’s another story.

So why and how do I save 60% on average? Well firstly, let me tell you that I was educated in this trade out of necessity. I use to(still do) lived underneath poverty line(armoedegrens) in Belgium. I have literally frozen my ass off (humble thyself). I’m happy about it too. Spoiled fat cat ass I use to have when I still lived at my middle-class parent’s house. Anyway… I lived beneath the lowest income average for 10 years and I managed to save up some tricks I had to learn to survive financially. Some of these tricks I will share in later posts. I’m all-in for sharing!

Things I learned and which made me, me!

  1. Don’t sell out your principals because you’re having a (very long) hard time
  2. Make the best out of everything, this includes all your resources. (people/money/time/skills/…)
  3. Don’t get caught up in what others expect from you which you know ain’t good for you anyway (too much of anything really)
  4. Smile/laugh/don’t stress about the impact others have on you or your lifestyle (we are a growing group, find support!)
  5. When times get tough get tougher which is the same as point 1 I guess

Anyway. That said… I’m glad to tell you who read this blog it’s almost my birthday on the 3rd of December. I’ll be a 31-year-old! I’m glad! The years I counted as blessings have improved me as a person! There are some scary years ahead. This AI(artificial intelligence) thing scares me. I read a lot about it. People can monitor certain thoughts you have, make a profile about you and manipulate you by sending out cyborgs (soulless people) to influence you so it will advantage them as a group. Thus the AI becomes stronger.

Gladly enough I’ve always managed to stay one step ahead. It’s because I’ve been my own saving grace. I support and improve financial and emotional security and stability by diving balls deep into it. Sacrificing most of my life to it hasn’t been a pleasurable ride but one I’m proud of. It also has decent perks I don’t want to brag about. All by all it’s quite the task that won’t only provide you with financial security(BE WARNED). 🙂

But it’s one any strong minded person can handle! For me personally it’s something I stand for and will die for till my dying day and beyond (thanks to my grandparents)! Anyway let my dying day please be like 100 years from now or something… health care is improving a lot you know! 🙂

Want to know more about how I budget things? No worries… I will cover a wide range of topics on this blog. Not only stock (ETF) news but also financial/budgeting tips, emotional support and perhaps some recipes. Who knows! If one of you is inspired by this blog I’m already grateful! Cheerios! 🙂

don't be too scared

Great title if I say so myself. Not that I’m a good writer or anything, but it does reflect how I think people should feel! It’s everyone’s own choice in the end but would you want to be that kitten that’s a scared cat when it grows up? Or will you see through the field of scarecrows to get yourself some corn for Thanksgiving this year?

Anyway, for me, it boils down to how I felt over the last days after I bought my first stocks in 4 different ETFs, let me tell you more after I tell you which one’s:

iShares Core MSCI World UCITS ETF IE00B4L5Y983




How did I feel in life and in the past few days?

Well, let’s be frank. I never felt like I was true self. I still feel like someone else most of the time because I’m a response to my environment, this forms my environmental Identity (public persona) and this isn’t really who I am. For me, the public persona is more like a sound/echo that spelunks through a cave. One which can be reformed by your own grace of course but I guess that’s Plato 2.0 or something like that. I’m an idiot, forgive me if I can’t name inventions someone already thought off.

Anyway, these last days after I bought those stocks I felt ‘scared’ (anxious) especially when I started losing money right away. What I learned through extensive reading is not to give in (up) to ‘the pain’ of losing something or someone. That someone being the financially more secure me. I took that loss and I also accepted ‘pain’ (discomfort) was inevitable when it came to ‘playing’ the stockmarket.

Was I scared? Not really no… swallowing a few times because you think you’re about to choke is not the same as being fearful. I kept breathing. I kept breathing the air that didn’t get thinner on me. I swallowed the so-called loss which was just a minor drop. That minor loss didn’t directly reflect an impact on my life anyway. It helped me prepare me for what might come. It’s strange to say such things but I hope the high complexity of these words may inspire some thoughts.

To continue the story, 3 days later the market was even lower. Instead of choking I saw this as a chance. A chance to buy other (more) stocks. I did that because I trusted in the market, it was a better time to buy. So instead of panicking while I saw the stocks drop I was hopeful and cheerful while it was dropping. When that happened I looked for an opportunity, the right time to start looking for diligence when trouble faces you. I analyzed the potential and looked for a good moment according to the graphs. What would be a good time to buy? I don’t know. I didn’t buy at the perfect time but I did buy some stocks at a dip. Some more days later that quickly went up.

By this time today, the stocks I bought in the drop turned a nice profit and those which dropped, in the beginning, were at zero again. This shows you that if times get though you don’t give in (up) to fears and just sell out (don’t you dare babe!) because you think you (it’s) lost. Even when people all around you tell you so, that you lost, you should be the one who is 100% assured that you are going to win the 2nd round. And if not the 2nd one of the other rounds. It’s vitality that brings us a flourishing world. Don’t let toxicity stop you or the world from turning in the right direction.

Don’t give up the first time you try. It will strengthen you for the next battle and as you can see in this 2 round war, I’ve had success! In 2.5 weeks time, my ETF’s went up 1% in total. That’s pretty nice!

Although I was fearful, I also was cheerful! Ever small drop instead of a big one was a victory. Every small profit at the end of a day was a turning point for glory! I’m glad I got into my first days of with these stocks and I’m curious what the future brings! A drop of faith will crush any sort of hangover!

Thanks for reading and stay strong even when you are brought to cry! Lot’s of love. Mr2.

First position

I can’t believe it but yesterday I went for my first position and it was pretty scary. I slept quite well that night. I don’t know what will happen after the weekend. Anyway thumbs up! Here’s a link to my first position. I bought X amount of shares that day and i’m going to buy even more next week.


Like I said I bought these yesterday and throughout the day I stalked the stock. At about 11 am here in belgium the stock hit the day’s low at 44.785. Unfortunately I wasn’t home at the time. However with joy & fortune I was able to seal the deal at 47.79 around 4.15 pm. I thought this is it. Get to your Degiro account and buy yourself them stocks. I did. Together with the purchase I decided to spread my purchases over 2 month. So I will be investing a part this month and next month. By then i’ll have extra money in my account which also will go into IWDA and others. Namely…

My other positions

So this will basically be the plan right here.

  • IShares Core MSCI World UCITS ETF IE00B4L5Y983
  • SPDR® MSCI World Small Cap UCITS ETF IE00BCBJG560

Percentage-wise honestly I don’t know yet how much i’m going to pick eventually, but there are some idea’s floating around in my head. But I think i’m going to pin it down like this.

  • 65% iShares Core MSCI World
  • 10% iShares Core MSCI EM IMI
  • 10% iShares MSCI EMU
  • 15% SPDR® MSCI World Small Cap

You are wondering why I’d get 10% extra on EU? Well for me this is simple. First I live in europe, second european economy is growing. These two on it’s own mean investing more into the EU to me. Besides I rather put more money in my continent than any other. I’m a tat patriotic like that. Always get your life in order first. In this case our Europe.

Excited to leave my safe little corner

After reading multiple blogs and how to handle life but frugally and financially I came to notice I’m pretty excited about this step in life. I already live like a Frugal weirdo’s, but now i’m also investing. I’m calling myself frugal weirdo because I tend to pinch every penny (cent). I also buy clothing at ridiculous prices (like a 3 euro levi jeans) and wear a scarf inside because I refuse to put on the heater. Yet at this point in my life i’m so excited I’ll warm up in no time.

Can’t wait to see where this first buy will go to. Hope this quick update is interesting to the 1 reader I might one day get. After all I’m just starting. Anyway. hope to bring you an update and news about more investments or a story about my frugality next week. I’m off now to go do some calculations because I still have to calculate how much euro’s exactly I should put in each of these this month. Cheers!



Yikes! Who would have thought it would be such a stroll! I’d never say all the voices inside my head.

You can start reading up on what stocks are and the whole shazam, but know this, you’ll in for a lot of things you should and shouldn’t know. I’ve been reading multiple weeks now and I figured why on earth did I read about those things like futures, options, leverage and those things while my chose will now lean towards ETF’S.

These weeks have been something alright. People saying, a, b, c, d, e, f, g. People scaring him or me. I don’t know. I don’t really. I don’t know what fears I should have towards investing. But I did learn to know what fear is. Oh, boy, do many people fear for their lives in the stock market? I almost learned to be fearful myself. Instead, I started reading more and more. My knowledge & insight is some sort of insurance. Then some funny looking guy with a nice smile told me. Analysis paralysis. Yes, he nailed it. He sold my start. Hope we can be glad about it. So it’s time to start trusting the mistakes I will makes. Ha! Let’s hope near to none!

So this is the beginning. I opened a low transaction-fee broker account. This account is great to me because it allows me to do free transactions and has very low costs all and all together. I didn’t do a transaction yet but let’s say a certain amount of money is now being wired to that account. Let me be clear I’ll never be giving out numbers on the internets. I don’t feel comfortable doing so, but that doesn’t mean you can’t follow my progress! I’d sure be happy to see some people pass by from who I learned in the past. 🙂

Anyway, I opened the broker account and the first thing I realized is that the Belgium government requires me to tell them I have a broker outside the country. Cool. I don’t know what the implications of this will be but we’ll see. Here’s a link for those who want to do the same one day.

Account in other Countries

Great isn’t it all these papers and all these things to do because you simply want to make a living investing. Gotta love a bureaucracy which by the way always explains to you what to do in the most complex words nobody really understands fully. But beware if you make mistakes then it’s your fault! Enough rant Mr2ndopinion.

All I’m saying is that you’d be well off if you inform yourself before taking the plunge into investing. Get to know which products are out there. Read about futures and hedges and all those things I don’t do just to get to know them. They are quite complex and I’m telling you to not get into it. There are people far more professional in it than you so you’ll be a yummy small fish to devour. Instead, read beginner blogs like this one or many of the others. I myself have read about 5 or 6 of these blogs. Of which 3 dutch ones!

What I learned from these readings is to keep it simple. Go for long-term savings and investing. Grab those compounding powers. Because compounding is your friend! Trusting your money in a buy&hold index is the best thing you can do together with friends! If this ritual continues for 10.000 of years we will continually profit! Just know that you have to get your savings in there early when you still can and when you are still young. The faster you start saving the faster you can lay your asses in the sand sipping a pina or whatever you like.

Geesh! My first post. I hope you liked it and to conclude this post I’m thinking of buying IWDA EUR ETF. I’m also thinking about diversifying later and buy some other ETF’s but at this moment I’m going to stick to just this one egg. My favorite saying is: “Stick all your eggs in one basket and sit on it. If that nest gets visited by the egg fairy or a nasty predator,… bite his or her head off”! You are fiery dragons after all!

See you, loveable dragons, around!