Not so strong, yet

There is a hidden jewel in my Google Sheets, but not a strong as I had hope yet. This is because I still have more than 2/3 of my holdings at Nordnet. I have no intention to sell off these holdings.

However, after I have leveled out the holdings at Nordnet I'm going to move all future dividends to Nordea. That money combined with all future savings will make my hidden jewel stronger.

The next reconciliation can take place on the last September, before it is final at the turn of the year.

Our currency takes one for the government

In the country we live in, every year a salary revision takes place, no matter how good or bad the companies go, wages are increased each time.

There are various theories about how this is to be financed. One of the theories is that it is our currency, which since 2013 both according to the TCW and the KIX index, which must pay the bill. Our weakened currency causes our exports to go better and the boom continues.

The problem, however, is that this cannot last indefinitely. Because our government can't get the economy together in a boom, it feels unpleasant how it should go because the recession is knocking on the door.

It didn't turn out the way I wanted

Apparently I am a much worse loser than I thought and there is no such thing to "rest into shape" when it comes to golf.

I had a very rough awakening at the golf club today, and I have more lessons tomorrow. Now I'm not only worried about losing to the offspring, now I'm very worried about losing BIG. It's tough when reality strikes.

But still... It's always a competition!

I hope he can do miracle

Since we got young master Dewlar late in life, we decided that he would play golf.

Golf is an activity that young and old can play together. He hasn't been particularly fond of it until recently. Now he is so fond that he wants to go on a golf vacation. Because of the lack of time that comes with having children, I have not even held a golf club more than maybe 10 times in the last 13 years.

It is with delight mingled with terror I discovered that we are going away already in a couple of days. I have booked several private lessons throughout the weekend and I'm afraid this can only go badly.

It's always a competition!

We don't get what we pay for

The more our social welfare falls apart, despite extremely high taxes, the less willing I will be to pay taxes.

I assumed because I sold and moved about 20% of the holding to Nordea that my foreign tax would decrease significantly. At least it will not increase and stays more or less at the same level as last year. I get to focus on the positive that I get back in January 2022.

Time brings everything to those who wait.

Another month to end

I know I break commandment #6, assume nothing.

However, experience shows that the last dividends I will receive this month are planned to come during the last two days of the month. Since these days fall over the weekend, these dividends will be credited next month this time.This means that I can deliver the chart for the Family's first holdings for June already today.

That being said, "there is nothing so bad that it is not good for something".

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Exciting times await

Tomorrow is the month's last day for dividends.

It's going to be exciting because it's the first time I can match my Google Sheets down to the very last nickel. I have identified and adjusted an error, so hopefully the document will be flawless now. At best, I will be able to see directly how deposits or withdrawals affect my future.

I will be unstoppable...

Weak crown gives empty shelves

Sweden, which is one of the countries in Scandinavia, has chosen to stand outside the European currency cooperation Euro.

Today, Sweden is a "low-price country" when it comes to luxury goods because of mainly 2 factors. One factor is Sweden's weak crown. Another thing that affects is that Sweden has no "luxury tax" on imported top notch products.

During my visits to these stores like this I have seen Chinese, Russians and Americans tourists completely emptied for example the Louis Vuitton store.

After these tourists have visited the store, it looked like a bread shop in the former DDR.

A work in progress

The work of even up the uneven holdings on Nordnet is ongoing. I want even hundreds.

I only trade the dividends so it takes some time. Actually, it bears me to continue investing on Nordnet because I have to wait at least 2 years for repayment of foreign tax.

But uneven holdings disturb me even more, my eleven-year-old says I need help...

Unwelcome day

I knew that the day would come, I knew it would disturb me and I knew I was right.

This month we have not saved any money. Our monthly savings had to pay the AMEX invoice instead. Although it feels like we have taken out money from our savings, I know that it is not so. We have taken back the holiday money that we put into work 3 months ago.

It is lucky that what I have dividends to look forward to. Next month will be my best dividend month ever.

Finally some purchases

To come home after a working day in hell to lay on the sofa with my better health is pure heaven. The world's most perfect child is in the bedroom sleeping.

Getting the computer out and making some purchases is just icing on the cake. Tonight I bought NLY, PFLT and very few shares in MRCC. The last purchase is more of a monitoring amount.

A perfect end to a bad start.

Hard work has to be rewarded

There are things I wish I didn't know. Among other things, how an acquaintance's son who ignored the school is going to read his incomplete high school education at an adult school. He is barely 25 years old.

This school, which operates across the country, has a number of places reserved at the universities for the best student in each class. So even if you are not the best student nationally, it is enough for you to be the best in your class to take advantage of university education.

I do not personally accept that anyone who has abused the school should be able to enjoy all the fast track. It sends out the wrong signals.

Midsummer, the aftermath

Our midsummer was perfect. We took a boat out to the archipelago, saw the midsummer pole being raised and tied a midsummer wreath. Everything happened under clear blue sky with radiant sun.

As the midsummer weekend comes to an end, the insight meets me. Midsummer is a bittersweet holiday. The darkness is coming.

Stalking in a good way

Someone wrote that your list of holdings is your prey and by stalking them you will get them at the right time. That description is roughly simplified, but fair.

Both my husband and I stalk our preys. I do not know the reasons for it, but our approaches differ. Despite the completely different ways of searching for information, we often end up on exactly the same securities.

Given that we have been together for almost 25 years and how close we work, live and raise our son together, it is almost expected. We are equal but still different.

Two birds with one stone

A large proportion of today's young people and young adults have no incentive to work. This phenomenon extends across most line of business.

It is difficult to see if they are tired of the consumption society or pacified by helicopter parenting. An amazing consequence may be that their behavior will tear much less on the Earth's resources and that they may reduce the climate impact.

They might fulfill their dream by not doing anything.

A window of opportunity

I have been thinking why a stock usually loses value in connection with reverse split. The only logical explanation for this as I see is that the function auto sales.

When a reverse split occurs, at least on my accounts, my profits will double for a few days before the banks have been able to adjust their entry values. If I have a loss on the purchase, it decreases or becomes a profit. If I have activated auto sales at a specific profit percentage, my holdings are sold, even though I really have not made any profit.

One man's loss is another man's gain.

Residue tax

Young master Dewlar's grandparents bought him a number of shares in fund for him when he was born.

Ten years later, the value has grown significantly. Unfortunately, the account they opened was very tax-unfavorable. We decided to rip the bandaid last year and sold off the holding and placed the capital in a tax-favored account. Tomorrow, with his dividends for the past 3 months, he has collected the entire residual tax.

The money factory when it works best!

Midsummer

Because I live in Scandinavia, one of our biggest holidays is approaching, midsummer.

This year it looks like the weather will be nice. Since this is a holiday that is mainly celebrated outdoors, the weather is a very important factor. I always intend to tie my own flower wreath, but with the exception of one year I bought one instead. Due to lack of time.

I will enjoy midsummer before my river of dividends starts flowing again or at least sprinkle a little.

2 wrongs don't make 1 right

Strange how people do not see their own shortcoming, only others. I'm grateful to all the young people who cares for the environment and the climate.

What provokes me, however, is their inability to see their own impact on the environment and climate. How parks and squares look after their meetings is indescribable. Their quest for the latest fashions, the pursuit of the latest mobile phone, the shopping online with all the packaging and all this returning products around half the earth.

I'm definitely not better myself, but I see my shortcomings.

Be careful what you wish for

My childhood was a worry-free and happy time. Mainly because of the lack of responsibility and that life was generally simple.

Sometimes when life feels a little bit boring with all the responsibility that comes with adult life, I sometimes long for my childhood. Right now, I relive my childhood, though not exactly as in my dream.

Remember the longing you had after Christmas Day that grew bigger and bigger the closer you came That's how it feels right now, though I long for my dividends that is scheduled to come from Monday next week.

Annoying

It is time to pay the bill for the upcoming holiday.

I knew when I agreed to invest the holiday money in anticipation of the summer that it would anger me when we had to withdraw the money (dividends) to pay the bill. It is difficult when two of my personal traits collide with each other.

My insight that money should work all the time against my resistance to withdraw money. Even if the money would only be credited to the account temporarily.

Gigantic incompetence

Despite our high taxes, our government is talking about increasing taxes even more because of ... aging population!!

Had I forgotten to set aside money for pensions for all these people who were born after the end of the Second World War, and who also has paid taxes for 40-50 years. Our government is like someone that has moved away from home for the first time and is really surprised that rent is something that you pay every month.

Where does the money go?

Changed work schedule

I live in a country that applies a marginal tax of 60%. This means that I don't keep any of my salaries from January, February, March, April, May and June.

It is with great pleasure that I will go to work from 1 July because it is from that day on every year I keep my salary. With this in mind, from next year I will only work during July to December ...

My worst trade

My biggest failure when it comes to trading is choosing the wrong form of account.

Not only because I had to pay extra tax, I almost lost all of my ETF holdings because I had to sell them to move the money to the other account. As it became a time gap between my sales and purchases, the EU regulations came into force.

I knew when I was selling my ETF holdings that I couldn't repurchase them. I was convinced that they would have changed it within a few months.

I was VERY wrong.

A little relief

I received the AGNC dividend earlier this week. I was hoping to save a little extra but 3 dental visits put an end to it. I had the hygienist on Monday, the dentist on Tuesday and dental regulation on Wednesday.

Last night I treated myself by investing the dividend. I bought a few NMFC. NMFC is one of the holdings I need to level out at Nordnet. I made a rough estimate of the cost to even out all holdings on Nordnet to an even hundreds. It remains about $12,000 today, if our currency becomes weaker or stock prices rise, my cost increases. Only the dividends from Nordnet holdings are reinvested in the Nordnet account.

This may take some time.

More relevant score

At the moment, I am very motivated to invest my money instead of spending them.

I have found myself making mental values ​​what a product I want or need to buy with how many shares it is worth. For example, last weekend I saw a great dress. It was perfect while I needed one. I hesitated to calculate how many WPG stocks I could have bought instead.

Nothing good can come from this behavior.

I'm frustrated

When just over 2 weeks remain of 8 weeks dividend drought, the frustration begins to take over.

Although I know that there will be no dividends, you always have a small false hope that there will be a small amount of money that is just waiting to be invested. Since we have no money to invest, we may need to change the demeanor soon and start having proper date nights ...

How can you not know

I sat with a work colleague at lunch and talked about different forms of savings. We talked about endowment insurance, after which he asked me if it is the savings form you only pay a small fee?

This is a middle-aged man with 1 child and a good job. I corrected him immediately and said, tax. It's a tax, not a fee. He looked at me and said he was just paying income tax. I answered, good for you. So you neither eat, drive, smoke, drink etc.?

Of that I do, he said. Then you do not only pay income tax I replied, then you pay special excise tax and VAT (value added tax) as well.

It is fascinating how a people who has and have a long history of socialist government for a number of years can be completely marinated in socialism.

Know your strengths

Speaking of children, why are they the only one who says the truth?

Last week I asked the offspring if he wanted me to cook him food. His spontaneous response was NO, I wait until Dad comes home. I'm not THAT hungry. I solved the problem using Foodora. I may be a lousy cook but I am great at catering.

Commandments #5, know your strengths.

My pride and joy

The offspring is our first and only child. He is a kind of "trial and error" child, due to no prior experience of any children.

At the moment, many young people are taking their IBDP (International Baccalaureate Diploma Program) in our country. My son finishes in fifth grade at the end of the week and all he is talking about right now is when he takes his diploma.

Everyone says that his desire to study can disappear faster than my paycheck at a sale. I still intend to enjoy his, for the moment, desire to study now. For who knows if I get the chance in the future?

There is a special place for husbands who behaves like this

To be honest, I wasn't sure if my husband was reading the blog all the time. Apparently he does.

He sent a brief text message that almost in a modest way informed me that I would replenish the document with an extra saving he had made today.

Otherwise, he always calls me and is harmful because he knows that it disturbs me tremendously. Sending a text message and seemingly a bit modest to announce that he saved more than me, disturbs me even more.

He will be punished for this, believe me!

I'm in the lead...for now

As I have written before, my husband is much better than me when it comes to extra savings. This month I'm in the lead, at least for the moment.

I transferred a very small amount extra to my endowment insurance yesterday. Just to be in the lead. Unfortunately, the amount is too small to make any purchases. Almost all my dividends for June are paid out during the last 10 days of the month. The next weeks will be patience testing for me. I really need to equalize the dividends.

Then comes July. Currently my best month when it comes to dividends.

It's always a competition!

I do apologize

Although I want as many American people as possible to get a job in the near future, I cannot help myself to hope that the talk about economic slowdown in the coming year regarding American economy will drive down the US dollar over the next 10-12 weeks. As soon as we receive the last American Express bill from the up coming holiday, the concerns of the coming business cycle may slow down.

Regardless, today I have every intention to continue my investments on Wall Street.

Standing strong

Since I have an 11-year-old son, an occasionally sloppy husband and a full time job, I don't have much time left.

I read, due to lack of time, only a small number of blogs. I also follow a larger number of people on Twitter, mainly people who think opposite me. Everything to expose both myself and my values ​​to outside pressure. It is always exciting to confront with opposition opponents.

So far, I have not met anyone who has made me re-evaluate my values.

Gold is king

Just to give you a picture of how much poorer we have become in this country, especially recent.

The purchasing power of our domestic currency has lost 98% of its purchasing power compared to gold's purchasing power over the past 100 years. There are several reasons that explains this.

Gold cannot be controlled by states and central banks or go bankrupt.

Gold can be owned and stored anonymously and has been around for 6000 years.

Gold is measured by weight, not by a figure determined by the central bank or politicians.

Paper money comes and goes while gold money glows.

Hidden costs

It has disturbed me incredibly much that my Google Sheet does not correspond to reality. I will get the absolute comparison 6.30.2019, though the tests already on 5.31.2019 show this.

This morning when I woke up, way too early, 6:21 a.m., I had a probable answer on my mind. I get exchange fees for every purchase, sale and dividend. These costs means that my expected dividends will be much smaller than the document shows.

I have to redo and compensate for this.

Money factory

The money factory is open 24/7. My factory has many benefits, it has no feelings, does not take breaks, is never sick, and so on.

My securities depository is the factory and my securities workers. I mission is to make sure that the workers become more and more. All the workers are eager to please me every day of the year.

WORK WORK WORK

Much wants more

I have received some small dividends in the last few days.

Today, my patience ended and I went out shopping on Wall Street. The choice fell on WPG. Their return is far too tempting for me to be able to abstain. I suspect that my risky buying behavior will bite me in the tail in the future.

I trust me, not others

The saying, "you get what you pay for", might be an accessary for the ease to pay 1.5% yearly for an equity fund.

It is mainly lately that people has begun to talk about the sinkhole that all these charges creates in savings. When buying shares or securities, I only pay the brokerage once. It's funny how something more expensive feels more high quality and credible.

Who cares most about your money?

I trust me, for now

Eugene F. Fama, Nobel Prize winner in Economics 2013 has research that suggests that luck is involved when placing money on the stock exchange.

There are still many who invest in equity funds instead of index funds. Equity funds are traded by brokers as opposed to index funds traded by robots. There are several advantages of robots, they have no emotions, count incredibly fast, have (almost) unlimited memory etc.

I invest in securities and shares, so I have no one to blame except myself.

Ups and downs

Honestly, savings is not a thing I master 100%.

I follow our plan and save my part, but when my husband saves in addition to the established savings plan, I get annoyed. When I take into account that we do not have a prenuptial, it feels much better. To crown it all I love him to the moon and back.

I'm a winner, regardless!

Win without buying a lottery ticket

My portfolio continues to decline in value and I love it. The icing on the cake would be a large amount of unexpected money as a lottery win or the like.

Every time I have won $10.000.000 in a lottery without even buying a ticket, I always smile. Rule #1 is that in order to win in a lottery you have to buy a lot.

The experiment part IV

Since I despite migraine did not want to miss investing in the OXCL dividend, my husband helped out.

It's good thing that we know each other so well. Because even though I slept, he invested my money exactly the same as I would have done.It's almost scary how he knows me better than I know myself.

I have the world's most perfect husband.

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Long time, no see

Yesterday afternoon I was affected by a migraine attack. I had to go home earlier and lay down. It is certainly at least 7-8 years since I had a seizure last. After 14 hours I woke up. Thought I'd feel rested, but not so.

I am glad the seizure came late afternoon so I could go home and sleep without missing to much work.

Still in the dark ages

Although I should have received several dividends today, not one has been credited in my account.

This causes me to suspect that foreign dividends are booked manually. Each time the estimated payday is in connection with a weekend or holiday, the dividend is postponed. When the stock market goes down, it feels important to continue investing funds. Having to wait another day is incredibly frustrating.

Apparently, not everything is high-tech

I wish I could tell the future

I wish it would be well done domestic political work that strengthens our currency against the outside world and not the long-term fear of the ongoing trade war between the US and China.

Despite that, I'm going to take all the benefits I can of it. Every dividend that is credited to the account will be reinvested as soon as a purchase opportunity arises. I look forward to trading down the acquisition price.

I guess it is far from ATL but because I am a passive income investor and not a day trader my purchases are more long-term. I want to continue to replenish my money factory.

If you don't use it, you will lose it!

In this country I live in, less than 20% of all retail is being paid cash.

Our counterpart to CGD (Center for Global Development) believes that we will have a cashless society within a couple of years.

Even though more than 70% of population wants to able to use cash, they still pay with the credit card. The banks are uninterested in the unprofitable cash handling and will shrink it gradually.

Step 1 has already been taken, almost no bank offices handle cash. Instead, you are referred to deposit machines.

Step 2 is that these machines will be centered to larger cities, after that the machines will be reduced continuously until it is completely discontinued.

The state will speed up this work for the banks by blaming cash transactions as something only criminals deal with.

Personally, I see several advantages of cash. Apart from the fact that cash cannot be hacked, they also protect personal integrity. From bank account statement you can find out someones travel habits, interests, addiction problems and much more.

Why did cash abdicate as king?

Pleased to have "lost" money

Despite the fact that my portfolio has decreased considerably in value, I am happy, even very happy, that the stock market have become more worth buying. It is with great longing that I look forward to next week and the week after that when I expect some dividends.

It will be a real pleasure to make acquisitions in this market.