TJ Terwilliger
@tj-terwilliger.bsky.social
Finance and investing. I like shareholder yield however I can get it, and no-brainers.
Find more of my writing at:
https://www.compoundingdividends.net
https://tjterwilliger.substack.com/
Find more of my writing at:
https://www.compoundingdividends.net
https://tjterwilliger.substack.com/
$ARE cut the dividend by 45%, but management is optimistic about the future of the life science industry.
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
December 5, 2025 at 3:01 PM
$ARE cut the dividend by 45%, but management is optimistic about the future of the life science industry.
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
Reminder that when your account is small, your savings rate matters more than your investment returns.
December 4, 2025 at 5:58 PM
Reminder that when your account is small, your savings rate matters more than your investment returns.
25 Cognitive Biases from Munger's Psychology of Human Misjudgment speech:
December 4, 2025 at 1:56 PM
25 Cognitive Biases from Munger's Psychology of Human Misjudgment speech:
20 Most Common Investing Mistakes
December 4, 2025 at 11:59 AM
20 Most Common Investing Mistakes
Getting jealous over someone else's portfolio just leads to panic buying, or chasing hot stocks.
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
December 3, 2025 at 6:00 PM
Getting jealous over someone else's portfolio just leads to panic buying, or chasing hot stocks.
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
Mistakes new investors make
December 3, 2025 at 2:02 PM
Mistakes new investors make
You don't just pay fees on your initial investment.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
December 3, 2025 at 12:00 PM
You don't just pay fees on your initial investment.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
Bob Farrell's 10 Market Rules to Remember
December 2, 2025 at 5:58 PM
Bob Farrell's 10 Market Rules to Remember
Warren Buffett says the stock market is a device for transferring money from the impatient to the patient.
But you can only be patient if your short-term needs are covered.
That's the real secret to successful investing.
But you can only be patient if your short-term needs are covered.
That's the real secret to successful investing.
December 2, 2025 at 2:42 PM
Warren Buffett says the stock market is a device for transferring money from the impatient to the patient.
But you can only be patient if your short-term needs are covered.
That's the real secret to successful investing.
But you can only be patient if your short-term needs are covered.
That's the real secret to successful investing.
The stock market dropped 15% in April this year.
Imagine having your emergency fund in stocks when your car breaks down or you lose your job.
You'd have to sell at a loss when you need the money most.
Imagine having your emergency fund in stocks when your car breaks down or you lose your job.
You'd have to sell at a loss when you need the money most.
December 2, 2025 at 2:42 PM
The stock market dropped 15% in April this year.
Imagine having your emergency fund in stocks when your car breaks down or you lose your job.
You'd have to sell at a loss when you need the money most.
Imagine having your emergency fund in stocks when your car breaks down or you lose your job.
You'd have to sell at a loss when you need the money most.
Why?
Because long-term investing requires you to leave money untouched.
If you might need that money in 6 months for an emergency, you shouldn't be investing it.
You'll be forced to sell at the worst possible time.
Because long-term investing requires you to leave money untouched.
If you might need that money in 6 months for an emergency, you shouldn't be investing it.
You'll be forced to sell at the worst possible time.
December 2, 2025 at 2:42 PM
Why?
Because long-term investing requires you to leave money untouched.
If you might need that money in 6 months for an emergency, you shouldn't be investing it.
You'll be forced to sell at the worst possible time.
Because long-term investing requires you to leave money untouched.
If you might need that money in 6 months for an emergency, you shouldn't be investing it.
You'll be forced to sell at the worst possible time.
The foundation comes first:
1. Build 3-6 months of expenses in cash
2. Pay off high-interest debt
3. Stabilize your income
4. Create a simple budget
Only then does investing make sense.
1. Build 3-6 months of expenses in cash
2. Pay off high-interest debt
3. Stabilize your income
4. Create a simple budget
Only then does investing make sense.
December 2, 2025 at 2:42 PM
The foundation comes first:
1. Build 3-6 months of expenses in cash
2. Pay off high-interest debt
3. Stabilize your income
4. Create a simple budget
Only then does investing make sense.
1. Build 3-6 months of expenses in cash
2. Pay off high-interest debt
3. Stabilize your income
4. Create a simple budget
Only then does investing make sense.
I see this mistake all the time:
• Credit card debt at 22% interest
• No emergency fund
• Living paycheck to paycheck
But trying to pick the perfect growth stock.
That's backwards.
• Credit card debt at 22% interest
• No emergency fund
• Living paycheck to paycheck
But trying to pick the perfect growth stock.
That's backwards.
December 2, 2025 at 2:42 PM
I see this mistake all the time:
• Credit card debt at 22% interest
• No emergency fund
• Living paycheck to paycheck
But trying to pick the perfect growth stock.
That's backwards.
• Credit card debt at 22% interest
• No emergency fund
• Living paycheck to paycheck
But trying to pick the perfect growth stock.
That's backwards.
Maslow's hierarchy applies to money too.
You can't focus on building wealth when you're stressed about covering rent.
Your brain is wired for survival first, optimization second.
You can't focus on building wealth when you're stressed about covering rent.
Your brain is wired for survival first, optimization second.
December 2, 2025 at 2:42 PM
Maslow's hierarchy applies to money too.
You can't focus on building wealth when you're stressed about covering rent.
Your brain is wired for survival first, optimization second.
You can't focus on building wealth when you're stressed about covering rent.
Your brain is wired for survival first, optimization second.
If you're worried about how to put food on the table tonight, it's really hard to think about a 10% return next year.
Here's why emergency savings matter more than investing: 👇
Here's why emergency savings matter more than investing: 👇
December 2, 2025 at 2:42 PM
If you're worried about how to put food on the table tonight, it's really hard to think about a 10% return next year.
Here's why emergency savings matter more than investing: 👇
Here's why emergency savings matter more than investing: 👇
4 Tools to Make Great Decisions
December 1, 2025 at 6:04 PM
4 Tools to Make Great Decisions
Who Owns Stocks
November 30, 2025 at 1:56 PM
Who Owns Stocks
The best and worst performers in the @CompoundingW investable universe this month:
November 29, 2025 at 6:04 PM
The best and worst performers in the @CompoundingW investable universe this month:
Retirement Savings by Age
November 29, 2025 at 1:59 PM
Retirement Savings by Age
Doing nothing is a strategy.
November 29, 2025 at 12:04 PM
Doing nothing is a strategy.
How to make big decisions:
November 28, 2025 at 6:03 PM
How to make big decisions:
Margin balances keep climbing.
Remember that margin can multiply your returns but it can also multiply your losses.
Remember that margin can multiply your returns but it can also multiply your losses.
November 28, 2025 at 2:00 PM
Margin balances keep climbing.
Remember that margin can multiply your returns but it can also multiply your losses.
Remember that margin can multiply your returns but it can also multiply your losses.
Don't put all your eggs in the employment basket...
November 28, 2025 at 11:59 AM
Don't put all your eggs in the employment basket...
Reminder:
Stocks are re-priced every second, but investing is a long-term game.
Stocks are re-priced every second, but investing is a long-term game.
November 27, 2025 at 2:03 PM
Reminder:
Stocks are re-priced every second, but investing is a long-term game.
Stocks are re-priced every second, but investing is a long-term game.
