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The ideas, concepts and everything else on this blog, excepting of course comments made by others, are simply my opinion based on what has worked for me and what has kicked me in the ass. It may not continue to work for me and it may not work for you.
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Love to read here.
Just a thought . . . not that I’m a lawyer…
Looking at the following text “…By leaving a comment on this blog it becomes the property of jlcollinsnh.com and it may be used in another post, article or book. …”
I wonder if you might be better served by adjusting a portion of that from “…becomes the property of jlcollinsnh.com…” to something along the lines of “…becomes licensed to jlcollinsnh.com in an ulimited fashion, though the material itself is solely the product and property of the posting entity…”
My thought may be obvious, though if not, I suspect it’s a better liability to have an unlimited license to use the product rather than becoming the owner of the product, with whatever liability the ownership may carry.
If you happen to read this comment and find it way off base, I look forward to finding out how/why.
Cheers
Farmboy
Often willing to “pay it forward” & encourage others to do the same . . .
Thanks Farmboy…
Glad you like it!
Thanks, too, for your suggested phrasing. It may well be better than what I’m using, or not. Thanks for giving me a chance to reconsider it.
I’m not a lawyer either and am just trying to let people know what to expect when they post comments and questions and I respond.
I know we have lawyers out there reading. Any thoughts?
Thanks Tom again for your thoughts.
There is now new lawyer-approved phrasing in place!
Hi Josh
Thank you so much for all of your work. It has really helped me and my family.
Do you have any suggestions for my 21 year old son? He has about $1200 in the vanguard star fund. It was in the target retirement fund, but was losing money. We know this is long term. Any other fund suggestions? He makes about minimum wage & is putting in about $10/mo.
Thank you,
Carrie
Hi Carrie…
I’m not sure who Josh is, but this is my take…
The important thing at this point is that he is saving and investing. That is a huge positive step. Kudos to you both.
I would have left the money in the Target fund. All funds are going to drop periodically. The Star fund will too. This is a natural part of the process and the key to successful investing is to ignore it.
Now that it is in the Star fund I would leave it there until he has the $3000 minimum to invest in the Total Stock Market Index Fund VTSMX.
Once that grows to $10,000 it can move to VTSAX, the same portfolio with lower costs. Vanguard does this automatically I think, but pay attention and remind them if needed. This move will be tax free.
Have him read https://jlcollinsnh.com/stock-series/ and/or my book for the reasons why.
Remember, both VTSAX and VTSMX will also drop in value periodically and well. The Series and the book will explain why this doesn’t matter.
Hey man,
thank you so much for the book SPTW. It made it so much easier for me to explain investing to my kids. Has anyone contacted you for publishing a German version? Maybe with some additional notes for German users? If not let me know as I would love to see a localised version!
Best,
El
Thanks El…
..glad you liked it.
We just inked a deal to publish the book in Korean, but nothing in German as yet.
If you are a German publisher and have an interest, please let me know and I’ll put you in touch with my agent.