Message from the dark side there is

I still have holdings at my 2 internet banks I can't move for different of reasons. I mostly log on to these banks to move my dividends to Nordea so I get the foreign tax back immediately, when it comes to taxes I have very strong principles.

My funds are smaller in one of the banks so my activity isn't so extensive, maybe 8-10 times per year. For natural reasons I logged on today.

They also have some new features. One of them was a movie called "2018 in numbers". I DO know better but curiosity got the upper hand over me.

Just let us say that I am slightly depressed now. The upside is that this feature will hopefully be a much better treat next year end.

Unwanted e-mails

We pay for an insurance with a children's hospital if an accident or illness occurred. That is one of those rare things you pay for and hope you never have to use.

One of my banks has a service I am not so fond of. Every time a stock goes 10% or more below my purchase price I get an e-mail notifying me.

I both want and not want it at the same time. Lately I have gotten a lot of e-mails...

Young master Dewlar grieves

The offspring read the headline in one of the newspapers that Toys'R'Us has gone bankrupt. Apparently children doesn't play anymore, a sad thought to think. My guess is that they do play, but people only uses the stores as a showroom/playroom, not as a store.

We bought a lot of toys, LEGO, at this specific store this year for Christmas. What hit us was all the people visiting the store but how little bags with gifts that left the store. 90% of all the visitors were there with their kids playing with the toys, like a play break from other errands.

I am guessing Toys'R'Us had the most visitors of all stores in the mall, but the smallest sales.

The year end result is in

Although it is not the 12.31 yet the result is in. The family first portfolio by the year end is set in stone. I wish I had a pie chart of it by 12.31.2017 to compare it with.

The upside is that I will have it by 2019. It will be fun to, hopefully, see have the different pies changes from year to year.

I prevailed over my dividend forecast with 3.5%. I had expected a bigger percentage due to my reinvesting almost all of my dividends and saving an amount of my salary every month.

Since this is my first year were I keep on eye on this kind of things it will be very interesting to compare next year end with this.

Below is a pie chart of the Family first portfolio per 12.28.2018

Click to enlarge

I am happy happy happy

I finally had my money credited to my account. It's almost fantastic how it can take from the 21st to the 28th of December 2018 to move money between accounts within the SAME bank. It have be some kind of record.

When I emailed the bank and asked were my money are, I gave them all the information they needed with accounts numbers and dates. It took them more than a day to answer and all I got was, quote "your money is on our account ready to be invested" unquote. Not a single word how this could have happened.

Due to this I missed out of some really good purchases, however I have decided not to let that bug me.

I bought ARR. Their yield have gone up and combined with a weaker US dollar it feels to me like a good buy. My quota of ARR is not full yet, I still have some stocks left to buy.

I am very happy to have made a purchase.

You can't make this up

You must think that I am exaggerating about my bank, NORDEA. Unluckily that is not the case.

Imagine my disappointment when I logged on this morning just to find out that all my accounts with my shareholdings were completely blank. NOT A SINGLE STOCK OR CENT was displayed. All numbers said 0!!

Apparently I am not the only one. Many people are angry at Nordea today. All I can do for the moment is pray that Nordea fixes this before the market closes. AND that I don't miss this window of opportunity.

I am starting to feel that this service considering fast tax refund Nordea offers isn't worth the headache.

Today is the day

Today at 9 a.m. GMT I will hopefully have my money available for purchases. Nevertheless, I have to wait until 2:30 p.m. GMT until the market opens.

For the moment I starting to go towards more "safer" stocks as MAIN, MO, T etcetera. Their share price combined with an increased yield has made them price-worthy. My list with 60 "safer" stocks has really improved recently. Usually I am more of a risk taker. The hope for a big win has always tempted me.

It's strange that I like to take risks at the stock market, IRL I never take any unnecessary risks. I play it safe. My husband on the other hand is a completely different story.

It should be a two way street

I find myself not able to truly enjoy paradise. The regressed market has me seeing buying opportunities. I am getting more impatient with every hour.

Although I KNOW, due to the holiday, the money transfers I set in motion on the 21st won't be in my account earlier than the 27th I can't hold myself from logging on.

It bugs me that when I buy something with my bankcard here in Thailand the purchase is almost immediately shown of my bank account. However, if I transfer money between 2 banks within the same country it disappears for days if it's a holiday.

Next year is going to be very interesting considering my tax refunds. I really hope that this will speed up my longtime goal. Otherwise it will not be worth the mental breakdowns I have had and the ones I know I will have in the future doing business with Nordea.

Thought I'd lose weight not money

I stood on the scale expecting to have lost weight during my sickness. That wasn't the case. Instead I had lost a lot of money this week.

It wasn't funny to log on and see what the US market had done to my portfolio. It feels like the Grinch didn't steal Christmas this year, instead he took my investments.

The upside is that the yield has increased on several on my stocks. In the same second Nordea has put my money into my account I am buying.

My hospitalizing undid any Christmas shopping on my behalf, that made me and my husband priority the offsprings presents. This is the first time ever we haven't bought any gifts to one another, and we have been together for 24 years.

I am sheering for investing the money instead of buying gifts since the stock market has decreased so much. My husband isn't on the same page... yet. I want to take back want the the Grinch took!

Time will tell who wins.

Apparently both I and Nordea has been sick

This vacation could have gotten a better start. I somehow manage to get a very unwelcome guest - THE FLU!

Our journey had 3 legs and we managed to have 3 delays. When we arrived at Bangkok, 2 out of 5 suitcases were missing, it took more than 50 hours before all luggage were appointed for. On top of this I got sick within 12 hours of arriving to the hotel. I got so sick that I was hospitalized with a fever of 102.6 Fahrenheit.

Although my husband told them that I am allergic to a lot of medication, and Thailand being Thailand, they gave me a lot of medicine in my IV. It made me threw up for more than 24 hours.

A week later I still have a cough but feeling much better otherwise.

My imagination of laying in a sun-bed preparing my Christmas shopping went out the window.

It seems like our new bank has the flu too. I managed to move money from my internet bank on the 21st of December. However, my new bank has not been able to do their thing yet. That means my money has been in cyberspace for 3 days by now. I am guessing it will take them until the 27th before I can invest this money.

Since Nordea moved to Finland, I really want to wish the Finnish people good luck.

I wish you all, even Nordea, a MERRY CHRISTMAS

Still enjoying Hong Kong International Airport

Our flight from London was late so we wasn't sure if we were to make our connection to Bangkok. Imagine our joy when we got off almost first and met a man with sign saying our names. "Thank God we thought now we will make it!" We were very grateful for him showing us the fastest way, but that wasn't the case.

He was very calm and polite. He made several excuses and took us the fastest way to the connection desk were he very efficient rebooked our tickets to a much later flight. Giving us the new boarding cards he happily informed us that we now had a lot of time to enjoy the local food. These extra 6 hours is very hard on me. There is a lot of temptations here in Hong Kong.

Thank God the absolutely gorgeous rucksack from Chanel was sold out in the color black. Due to tax free it would have been a good purchase.

Only 2 more hours to go...

It's like giving birth...

...moving money to Nordea.

You will never know for sure when you will have your money ready for action. Like a childbirth, you never know when the job is done. It can be done under 6 hours, or over 48 hours. However, your happiness is just as huge both times. Also, once you begin there is no way of stopping it.

It's like taking a pregnancy test when you log on the bank to see if there is any cash ready to make the journey to Nordea.

Once again I have been waiting for money transfered for another bank. Once again I have missed a window of opportunity.

I can't wait

The 22nd of December is payment day of 50% of this month dividend. It is very unlikely that I manage to reinvest in a stock that gives me dividend before the year end. We will be in Bangkok by the 22nd, so I will most likely receive the cash the 23rd local time.

Another variable making stuff harder is that I need to move the money between banks, therefore I will lose another day.

Not a single stock on my list that has ex-dividend date after the 23rd and payment date before the 31st December.

I'm more than curious to see the actual outcome compared to my estimated dividend of the year. I roughly calculated that my investments consists of 70% reinvested dividends and 30% new savings.

I will have the exact percentage by the 1st of January 2019, you can long for different things different days...

Much wants more

January is here in less than 3 weeks, thank God. According to me January is the best month of the year.

Not only because of my birthday at the end of the month, but also due to my dividends. It is absolutely wonderful to start of the new year with a lot of cash to invest.

I am well aware that December is one of my lowest cashflow months when it comes to dividends.

However, after I received at lot of unexpected money this month I have become obsessed. I logon a various times a day to see if there is more "gifts".

Several days has gone by now and I haven't obtained a dime and it bugs me.

Ho ho ho

It was with great joy I found out that PDI pays out an extra $0.5 and PCI $0.35.

Combined with the money I got from one of my banks I got a real unexpected stack of money.

This pleasant situation tempts me not only to invest in gifts for my family, it also makes me think of a present for myself.

I have had my eyes on a new handbag for a couple of months now.

It is so easy to find excuses for buying shoes and bags. I truly wish my better self-discipline was better.

Not all of us had a great last night

I had a marvellous last night. My spouse lit the fireplace, I made some hot chocolate and we sat us in the sofa ready to make some serious purchases. I logged on and began my shopping. It's a great feeling to invest. Buying stocks is like shopping to me.

My dear old husband didn't have the same cuddly feeling. Picture his surprise when he logged on and couldn't find his money.

Due to this tax refund thing we move money from our other banks to this specific bank that pays out the tax immediately. This bank, named Nordea, is not the sharpest tool in the shed when it comes to internet banking. To be honest it is the worst bank we have ever had.

This is not the first time money "disappears". The longest time money has been missing without Nordea knowing where in cyber space the money is are just over 48 hours.

The upside is that sooner or later the money always reappears. This time it took 26 hours, so he missed ARR. I, on the other side made $0.29 on every stock I bought.

This stock market fall is pleasant for the moment

Due to my early Christmas gift from one of my banks I intend to use this stock fall to the max.

Tonight after my son has gone to sleep I going to have my husband start the tiled fireplace, curl up in the sofa, have a hot chocolate and spend some money.

On account of the recently turbulence at the market I hope to make several good purchases. Time will tell. I haven't made my mind up yet on which stock I'm aiming for.

Santa came early this year

Imagine my surprise when I logged on to one of my banks and saw that they had corrected a lot of previous errors. I am 48 years old and this is the first time a bank has corrected errors without me asking first.

Although this is my money that I should have gotten months ago, it still feels like I have been given a Christmas present. Funny how that works.

I wrote some days ago that I will not save any money this month. However, it seems like I will be able to both have the cake and eat it.

This month investments

I am going to invest big in Christmas presents this month. I have no intentions on holding back. I love every thing with Christmas, the trees, the gifts, the food and spending time with loved ones. Not necessarily in that order.

I have always loved Christmas, even more since I had my son. Traditions are very important.

I am not afraid to say that I love to get presents, not only give. Especially when the package is a small red box, like the one from Cartier.

Hopefully I will not need to use my dividends, but if I have to it won't be a problem.

Another ugly attribute of mine - ENVY

There is blogs that I read. Some of the bloggers seems to compete on who that can save most of their salary.

I have mixed feelings towards that lifestyle. In one way I envy people that are able to save 50-60% of their net salary.

I'm a very competitive person, so when I set my mind to something I go "all in". I know that I could save up to more than 50% of my income. However, I'm afraid that I would not be able to stop when I have reached my goal.

The result would be me saving all my money until I die, probably to the offspring's great joy. My competitive side makes it hard to keep a balance between saving and spending.

That is the main reason I envy people with this skill.

Santa Claus is in trouble

The young master Dewlar read the headline in the newspaper that his favorite store, Toys'r'Us, is having some difficulties.

Since Santa only gives each child one toy and rest is provided by moms, dads, grandparents etc, he was concern that Santa was to be affected by this. "Is Santa supposed to provide more than one gift for each child and is he able to do this due to lack of time?"

I had to promise him that I am going to help Santa by buying extra gifts this year, especially from Toys'r'Us.

First I was warm at heart for his concern for Santa. But when I cooled off after my joyfulness it became clear that he fooled me. I KNOW that he doesn't believe in Santa any longer but I was so glad hear about his concern for Santa that I lost my grip.

This devilish little child is obviously smarter than I...

Living in my own world

We have friends close to us that never leaves their "hoods". They live, work and shop in one small area. I have always been quite judgmental against these people. I have tried to make them more approachable for new parts of the city. These attempts have been unsuccessful.

However, last night my husband and I talked about the national stock market in comparison to Nasdaq. Due to us having every dollar at Nasdaq our interest for the national stock market is very limited. To say the least.

It turns out that I am not so open-minded as I thought. Although I live, work and shop in the whole city, it's still within the citylimits. When I travel, I go to cities like Bangkok, New York, Miami and so on. Never the countryside.

I decided to stop evaluate myself due to fear of what I might find...

Roughly simplified

Some people has difficulties to understand that a country's income is not infinite. They usually seem to be of the opinion that the State can raise the taxes, especially the income tax and only for the ones with high incomes. These people are often totally unaware of the Laffer curve.

I sometimes make a roughly comparison between an individual person and a State:

If a private person falls short of money they often takes a payday loan or similar. The costs increases and the chance to balance their economy shrinks.

It's the same with a State. When the State runs out of money it often increases the taxes. When the State have reached the point of Laffer curve the income reduces but the cost remains, and the chance to balance the economy reduces.

It is the same outcome, with the only difference that the later one has much bigger numbers.

I had a good last night on the sofa

I deviated from my plan to invest in a stock with payment day in November. When I looked thru my list I found 8 stocks that has payment day in November, February, May and August. That really surprised me.

However, all them had past the ex-dividend date. I will keep an extra eye on them in January. Ex-div date is a strong variable I consider when I invest.

My choice fell on FDUS, it has an yield just above 11%. It also disburses money every month. The sooner I can reinvest the better.

I try to live by the quote by Albert Einstein "Compound interest is the eighth wonder of the world. He who understands it, earns it... He who doesn't... pays it."

The bank did its part, but I failed

I had every intention to make some good purchases last Friday AKA Black Friday.

However, I was aiming for the stock exchange instead of the shops. I was in a very good mood and looked forward of sitting down in the sofa with my pink MacBook and spend some money.

Since the stock market normally closes, local time, at 9:30 p.m. I didn't rush. I took my time and poured a big glass of Coke, pulled out a large bowl of candy, wrapped a blanket around me and logged on.

Imagine my disappointment when I discovered that the stock market closed early. At 4 p.m. to be precise. I am not going into details but my husband has had better Fridays with his dear old wife.

But shame on he who gives up, so tonight I'm hitting the sofa again...

Black Friday

The day is finally here...?! It feels like the rest of this country has misunderstood the concept.

We have been bombarded with black month, week, weekend and so on. I'm guessing that most people has already done their purchases earlier this week.

I'm a bit conservative. If it's Black Friday, then it is Friday. Nothing else. Call me old fashion.

Myself, I intend to hit Black Friday on the stock exchange. Due to my sell and some dividends I now have a resonable sum to reinvest. If the bank just do what's expected of them I will have a very good Friday night.

Because both I and the husband has sold off stocks I have been forced to adjust my Google sheet. It's mentally exhausting to see the dividend decrease instead of increase.

But, tonight is the night when that is going to change, hopefully!!

The escape has begun

As I mentioned earlier I have every intention to sell off as many stocks as I can, meaning the stocks I can repurchase. Two days ago I sold off OHI, and tomorrow I can move the cash to Nordea and reinvest.

Just the thought of my money not working is totally bugging me, on top of that, I'm very tempted to buy things. I have a weak character and when there's something I want, I usually buy it.

I have to maintain focus on the goal and go for it. The reward will be great!

I know that I keep repeating it, but if you live in a country with extremely high taxes, it is a BIG THING if you get some taxes back, and very fast!

We didn't think that thru

As I written before, young master Dewlar needs to save 50% of ALL dough, bucks, cash he receives. This rule has been at play for some years now.

Due to that the amounts hasn't been gigant we decided that he didn't need more than one account. So we have mixed the money he has saved with the money we give him every month, of which he is completely unaware. Up to now he hasn't shown any interest of how much money he actually has.

On the way to school today he asked me, out of the blue, quote "How much money has I saved?" unquote. I stuttered something and started talking about the weather. Knowing the offspring I need to have an amount tonight.

I will tell him a lie, start an additional account and move the amount I have told him. That my friends is good parenting!

I had my eyes on HCAP yesterday

I had made the decision to buy some HCAP, so I logged on and was just about to make my purchase when young master Dewlar called for my attention.

As a parent you drop everything and attend to your child, at the same time I didn't want to miss the opportunity so I asked my spouse to make my purchase before the bank logged me off.

He limited the stock prize 1 cent to low so I failed to make a purchase. To be honest I was quite annoyed with him. I really wanted those HCAP.

My husband bought a pair of Prada shoes for just above $1,000 last week so I think he did it with purpose, if he can't invest neither should I...

Have I mentioned that we love to compete!

Be careful what you wish for

I have for several years had the longing to see a falling star. Yesterday was the day. I was finally supposed to see the Leonids. According to media it was almost set in stone, you couldn't miss it. Imagine my disappointment when the sky was clouded.

Shame on he who gives up. I just logon to my account and there it was, not just one but multiples

Fall in stock prices
Fall in dollar exchange
Fall in portfolio

Always look on the bright side of life...

November is not only dark and cold

It's also a very very VERY slow month when it comes to dividends. I really need to take the slower months in consideration when I make my investments.

During these slower months I dare to say that a more steady income is more favorable. If you ask me in January I will probably claim the opposite.

However I will look for stocks with good yields, resonable prize and payment day every 4th month, starting with November.

I was a bit upset last night when I found out that I missed the last transfer of the day and therefore was unable to make any investments. Having said that, I was glad this morning when I saw that the dollar rate had decreased. Hopefully I will make good for it on Monday. Who says Mondays are no-good?

I have done my math

On my first date with my husband he carefully mentioned that other women he had gone ut with had difficulties with his working hours.

I just smiled to myself and understood that this was going to be a match made in heaven. It was actually he who asked if we schouldn't try to reduce our working hours at the begining of this year. We have been together more than 24 years now.

I have calculated the hours I have work so far comparied to an employee. I have more or less just around 18 months left before I have worked the hours that an employee works until he/she retires at 67 years of age. I am turning 49 at the end of January next year.

That puts things into perspective. I'm a product of my father. He's at 72 still working 7 days a week. I have no intension of becoming like my father. Hopefully I and my hubby can retire within the next 5 years.

As an entrepreneur

I have seen a lot when it comes to employees. I have had parents applying for work on the behalf of their adult child, men not shaking my hand because I'm a woman, a young man not showing up to work since the weather was so nice he took a week off etc.

I'm a welcomed entertainer at dinner parties with my stories about employees not being their best. I get the feeling that people (mostly parents) recognize themselves, hopefully it can be an eye-opener.

There is nothing more sad than a person that can't apply for a job themselves. There is no other to blame than the parents. You have to teach the child to be independent and driven. No matter how hard it is.

On the other hand I have had the opportunity to work with absolutely fantastic people. Hard working, committed and extremely competent. These are the people I learn from and are blessed to have in my life.

Being a child to entrepreneurs PART 2

As I written before I am surprised how strong socialism is in this country.

We have a very good social welfare. Which is amazing. However, it can paralyze and numb instead of boost. I'm afraid that my son will be a numb person without drive. He lives a good life and is in someways very spoiled. 

Due to this I can be harsh on young master Dewlar. It's important for me that he understands how it all is connected. That you have to work for something you want. I want him to be social responsibility, a good taxpayer etc. However I also want him to question were the tax money goes. It's a tough balance. 

He is aware of the current VAT percentage in the country we live in. Next step will be income tax.

The offspring undertands why we need to pay taxes, that it provides hospitals, police officers, fire brigades, schools etc. He has started to dispute some costs. I'm proud that he thinks for himself although I don't always agree with him.

I bought some more SCM last night

After the usual list of pro and con, SCM was once again the winner. This is why:

Montly payouts
Reasonably priced
Missing little more than 500 shares

Due to my impatience, I just want to buy 500 shares and be done with it.

Thank God for my other strong attribute, PERFECTION. Without that one I would have done so many more bad acquires. I can only hope that my features work into my benefit.

Daily payouts

I'm torn between having smaller daily payouts and a little bit bigger montly.

I haven't done the math yet but suspect that it's more economic to make fewer larger investments than more modest ones often. BUT I have been wrong before.

It's desirable that everything is economically defensible. I need to take in consideration factors as the brokerage, my time etc. versus that the money start to work instantly. I'm nearly obsessed by the thought of putting the money at work. I prefer that the money works instead of I.

The toughest aspect to value is my own time. I want to be financially independent but at the same time I want to spend every second available with my family.

I'm very lucky that I and my husband has this interest together. When our son has fallen asleep we can work on our list. On top of this, the stockmarket is still open in the U.S. due to our location in Europe.

I fell for

I bought SCM because their dividend falls out every month. When all variables are more or less the same I prefer to buy stocks that has montly dividends instead of quaterly or yearly. The sooner I can reinvest, the faster, hopefully, I will reach my goal.

Since the goal is to have $2.000 a year from every stock on my list, I still have more than 600 SCM stocks left to buy.

Work has been extremely busy this last week. Therefore I haven't sold off the stocks that I planned. I need to revalue the list. I had a good plan that failed due to lack of time. It's hard to be I.

Please pray for me and my bank

My impulse control is not top notch for the moment. It seems like both I and my new bank, Nordea, is standing to the threshold to menopause. Two beings interacting in the same state of mind is not a desirable situation.

When both I and Nordea is having mental breakdown at the same time it causes a lot of civilians casualties, as my spouse, son and MacBook. I almost threw the computer out the window.

I have great difficulties to accept that such a big bank as Nordea has a website that literally SUCKS!!!

Their user interface is so bad I can't even begin to describe it. You just have to take my word for it. The only comfort is that I am not the only one having problems with their site. There is LOTS OF US...

I can only pray for a fast recovery for both myself and Nordea.

I sold off...

It seems that our new bank, according to other blogs, pays out the tax almost immediately. Due to this information I have started to sell of some of my holdings.

The account that holds my stocks doesn't approve of transfers so I need to sell of and repurchase. This mean that I have to keep all my ETFs at the present banks. For now.

The first stock to go was MAIN. If I going to buy back the same stock or if the choice falls somewhere else time will tell.

These transactions will take some time. After a sell it will take at least 4 days before I can reinvest the money. And A LOT can happen on 4 days.

Apparently I am not a patience woman.

Inconsistent

Since the stock market is a living thing you need to evaluate your planed and existing holdings all the time.

My husband is a very changeable person. He has a perfect personality for rethinking future and present investments. Sometimes I think he loves changes more than he loves me.

From time to time it surprises me that he hasn't changed me yet. We have been together for more than 24 years now.

I avoid disputes so much that I don't always speak my mind if I suspect it can end up in a quarrel. On top of this I'm not a big fan of changes. These two attributes sometimes causes me a lot of trouble.

Particularly my problem with alterations. I just want to stick to the plan regardless. Not always the best approach.

I hope that the two of us as team it the best solution.

The result is in

Believe me or not but I have the astronomical sum of 173$ left after we have bought out our previous partner.

I will wait until I have some more silver to invest. Since I have more than 30 different stocks left to choose between I will decide later on which will be the best buy. I never make my decision far ahead since you never know what will happen.

I have filled up a lot the high yield stocks already. It is very tempting to buy more of those but I have to stick to the plan. I have always seen myself as a low risk person but if you look at my holdings it is obvious that I am the opposite.

I really need to invest in some of the "safer" stocks. If I know myself, I'm guessing I'll buy something high risk again. Despite what I think today...

Better safe than sorry

I truly love that three of my banks doesn't send out a lot of paper documents.

However I need to think about safety. Since I don't get any sales notes from stock trades I have to once a month print-out a document with all of my holdings.

This is just a safety precaution from my side. If someone hacks my bank and erase my account I need to have some kind of prof of my stock holdings.

I advice anyone who has some kind of investments at an internet banking to secure your possessions. You should at least once a month make a print-out.

Updated sheet

I have uploaded a new sheet with the latest holdings concerning the portfolio namned Family First.

In a perfect world all the cake pieces would be the same size. Unfortunately the diagram can never be beautiful due to variables as ETFs rules, yield and stock prize.

I really really REALLY hope that the rules concerning ETFs will change in the prompt future.

As you can see I still have a long way to go.

Click to enlarge

It's done

I'm more than pleased to inform that we have finally bought out our partner.

Despite I'm unspeakable afraid of conflicts I'm glad this is done. To step out of your comfort zone is NOT evolving and good for you, regardless what people say.

We have 4 different companies and we are in total control of all of them. I'm extremely happy to have my husband. We have worked together for more than 23 years. We have the same goals and values.

I can't be enough grateful for my money factory. Tomorrow I will get the final payments. After that I will know how much that is left for external acquisition.

He who waits for something, ALWAYS waits too long.

I'm the reason The Amazon is disappearing

Our latest bank is kind of old fashion. I've never gotten so many different paper documents. My mailbox is almost full every day.

I might have to compensate the environment due to all the trees and greenhouse gases.

On top of this their website is unbelievable crazy. The user interface is so bad I will not even try to explain it.

I haven't yet found were I can see executed transactions.

But in the long run it will be worth it when I get the first tax refund. I have lots of papers do start fires in my tiled fireplace.

I might have to buy another type of stock this month

October was supposed to be one out of four top months this year for buying shares. Stock quotes decrease gives me an yield increase. That with extremly high payments in dividends was expected to be a golden egg.

However, life came in between. In one of our companies my husband and I have a partner. Now it looks like we are going to buy him out. This is a very good investment for us in the long-term but I hate so see my plans go down the drain.

As I written before I am not a big fan of changes. My dear old spouse on the other hand loves changes. So being married to him is a bit of a challenge in itself and vice versa.

I have to wait and see how, if any, much cash is left for external acquisition.

More than one reason to enjoy weekends this October

These beautiful weekends during fall is extra good this October.

Beside enjoying wonderful walks, being able to sleep in with the darkness, lighting magical fires in the fireplaces etcetera there is one even more joyful thing.

We get to relax and refrain from the daily stock market crash. It is very calm for the soul.

All in

For a little more than 6 months ago we decided to redirect young master Dewlar's portfolio.

When we opened his account we wanted his savings to be secure. As time went by we found out that he lost money instead of gaining.

So for 6 months ago, give or take, we altered the entire holding. We figured that since he isn't supposed to use them for at least 10 years we would take the same risks with his money as we take with ours.

As a resultat from our actions young master Dewlar will either be filthy rich or broke. If he ends up well-off, good for him and we have given him an excellent start. If he on the other hand winds up broke, he have to stay at home with us forever.

WIN-WIN according to me, his father has a different opinion...

I couldn't help myself

Despite I need to have cash until the current situation is solved I couldn't stop myself from making a minor investment.

I bought a tiny number of SCM. I love the feeling of putting the money at work. I prefer that the silver works instead of me. I'm kind of lazy that way.

I'm trying to teach young master Dewlar about compounding. Since he takes after me it shouldn't be a tough nut to crack...

Money, money, money

As I anticipated I got my payments yesterday.

However I might have to use the cash for something else. I'll write about it as soon I can.

Situations like this is why I love my money factory. Instead of being forced to sell off some holdings I just take the share-out instead.

The emerged situation is a double-edged sword. On one hand it benefits us in our own business, on the other I really want to hit this window of opportunity of catching these stocks with raising yields.