No amount is too small

Some of my lesser holdings paid out a smaller amount of money. For them, I bought another minor shares in NEWT. That acquisition generated a dividend increase of $20 a year. All contributions to my money factory are warmly welcomed.

Welcome REML

Today I received the last major payout of the month, the dividend from REML. For this money a number of NEWTs were acquired. Actually, I had thought about increasing the holding in WPG but since the current holding is completely in line with the plan, I abstained.

There are still some small dividends left this month before I can close the month. I really like to compile and compare forecast vs results.

How can you not love spreadsheets?

Since we have 3 different banks that we have holdings in, the follow-up becomes a bit tortuous. You have to compile all the information yourself. Our 3 banks have very different ways of reporting our holdings, dividends and deposits.

In my Google Sheets I can "cherry-pick" my features. In this way, the functions are completely adapted to our wishes. Unfortunately, I created a new document for each function. As a result, I had several documents. Today I have compiled all these documents into one instead. In addition, I have linked them so I just have to fill in the information in one place. The other sheets retrieve the information directly from the current cell.

From January 2020, every single cell will have up-to-date information.

On second thought

Actually, Swedbank is probably very well aware of what they are doing. Whatever their current chairman says, the profits are far too great to resist. Both for the bank officials who assist with the organization and execution of the money laundering as for the bank as a whole.

Why does Swedbank never learn?

In this small part of the world where Scandinavia is located, a financial bomb has burst. Again, Swedbank, Sweden's largest bank, finds itself in heavy weather.

Ten months ago, it was revealed that Swedbank has helped Russian oligarchs with money laundering. Now it turns out that Swedbank also helped one of its customers to break one of the US financial sanctions against Russia by transferring money from Russia to the US through various tax havens.

For all shareholders and customers in Swedbank, I hope the bank will address these problems this time.

Hello money

It will be a good start to next week. On Monday, the salary is paid out and on Tuesday comes the last big dividend of the month. Unfortunately, no new savings is going into our money factory this month either.

Hopefully, our regular savings which has been paused since the summer will be able to resume from December.

A perfect evening

The last few days we have received a lot of smaller payouts. Tonight we spent all the money. It became a smaller number of shares in both VET and WPG.

Acquiring shares is always satisfactory, regardless of size. This is a perfect way to end the week, sitting on the sofa with the world's most perfect husband and son acquiring shares. I can't imagine a more perfect way to end the week than to be with my husband and the offspring acquiring stocks.

Doing nothing can be hard work

Today, the auditors visit me to review my work. All accounting is stored in our warehouse a just outside the city. Although I have a very nice office space out there, there is no work I can do here.

All I can do is sit in my office room and wait for an auditor's assistant to ask me a question. The fact that I have a lot to do at my "real" workplace inside the city does not easy the burden.

To top it all, some young adults will ask exactly the same questions as their predecessors did last year.

I have to be more grateful

Few things can create frustration like when stock prices are going down and I have no cash. I admire those who take it coolly and have filled their barns.

My money barely makes it to the account before I reinvest it. I suspect this is the biggest difference between someone who invest in dividend shares versus growth shares. My problem is that I want everything!

Why don't you want to prepare your child?

I almost get a little pissed off at parents who haven't taught their children the slightest about finances. We have a newly hired in his twenties.

In the country I live in, 95% of all employees receive their salary on the 25th of each month. Today he came to me and sincerely asked if the salary really comes first on Monday. He thought that since the 25th of this month is on a Monday, the companies are "kind" and pays out the salary on the Friday before.

I thought I'd get a stroke.

Small acquisitions and small dividends

Last night I acquired a modest number of VETs for my pension money, namely 18.

This morning there were 2 notifications on my screen when I woke up. The dividend from SCM and OHI had arrived. No "I-can-live-off-the-dividend", but still real money. I like all the money, small as big.

I am well aware of my shortcomings

Now has my husband's man-cold hit me. I think a man-cold is worse for a woman than for a man.😉

Tonight we will invest our pension money. The world's most perfect husband asked me which stock I am considering. I replied quote "if I am to be honest I do not know myself until I press the buy button what stock it became" unquote. My husband is lying on the floor, twisting with laughter.

Have they understood something that my generation has missed?

What has made today's young adults happy with just about nothing? Many of those who are mid-twenties still lives at home with their parents, have no savings or drive to improve their lives.

They also have no desire to work, other than minimal. When I was their age, I wanted to conquer the world. I still want to conquer the world my time is just a little more limited between work, homework, cooking etcetera.

If I knew what Google Sheets can do, I would have studied programming

It looks like the world's most perfect husband will be victorious from the fight between him and this man-cold.

In anticipation of upcoming dividends, I refine my documents. The document with upcoming dividends is now linked to a chart so that the comparison between calculated and actual dividends is shown in real time and not monthly. It's only 45 days left until it goes into operation but who's counting?!

Not a single dividend in sight for the next few days

It is incredible what a huge range of shares there are in the world. It becomes very clear when reading other blogs. Although we are many who invest in dividend shares, it is exciting how different we all invest.

The months that I receive dividends almost every day are the worst months for many others. It is not just what stock you invest in, but also how many shares you buy from each share. I myself am in a vaccum at the moment. On the 24th I receive the remaining 2/3 of the month's total dividends in one day.

DEFCON 1

We currently have a state of disaster in our little family. My husband suffers from a man-cold. Everybody knows how awful a man-cold can be.

Even my son has reacted to his dad's condition. I have tried to explain to him that it is only an adult man who can suffer from such a terrible disease. The rest of us just have a common cold.

Back to grade 6th

Having children in school means that you go to school yourself. Since the offspring is in sixth grade, so am I. Right now we read about microorganisms. This morning the world's most perfect child had a test on the subject.

I am a little competition oriented and would like to do the test too. I am sure I would outperform my son. 😉

It's always a competition!

I can't even be up late

As parents, we think it is important that we have a relationship with the parents of our son's friends. We invited them (4 families) almost a year ago and we had a great time.

I explained that we hoped that we would get to know each other and feel that we should be able to call if there is an undesirable situation with or among the children. The children are approaching their teens and prevention is better than cure. All the parents thought this was a good idea.

Last Saturday we were invited home to one parent couple. We got home at 3:30 a.m. on Sunday morning. What was left of Sunday when the family finally dragged out of bed was spent on the sofa. We had great fun.

Better late than never

Late Friday night, my better half received a response from Nordea via email. They explained that since they had failed to pay out the dividend from OXLC and the payment was made manually this time, there will be follow-up problems such as the foreign tax.

According to Nordea, he will get the foreign tax back within 7-8 weeks.My husband acquired OCCI for the entire payout.

Rehab

Three of my holdings account for 50% of November's total payouts. One of them, OXLC, I have already received. The other two, REML and SMHD, are paid out around November 25.

After getting a huge amount of money paid out in October, it almost feels like you have ended up in a dividend rehab.

I can't say no to dad

I tried to talk my dad out of it, but he insisted to sell off some of his safer holdings and increase his risk-taking. I'm starting to think that my dad thinks he's immortal.

If my father's investments goes down the drain, we may have to accommodate mom and dad. Not sure who has the greatest interest for this investment to go well, my dad or my husband ...

Nordea is on the naughty list...again

The world's most perfect husband's hunt (a small warning) for his missing dividend from OXLC is a never ending story. After being in the telephone queue for a long time, he finally came into contact with Nordea's customer service.

He informed them that he was missing the dividend in question. Nordea promised to check the matter and email him an answer. A couple of hours later he received an email that they had found his money and would deposit it into his account within a couple of hours.

He waited until this morning before signing in. The balance on the account before the dividend was credited to the account was $90. The payout was just over $1,300. After depositing into his account, the balance was $950. Right now he is talking to Nordea's customer service. Not even they understand what has happened. We may only have 2 banks after this call ...

Risk-prone is a family trait

Fact is that there are several people who thinks that I and my husband, we are both in our 50s, are a little crazy for using such aggressive high-risk investment strategy.

My father, who is approaching 75 years, has for some time been interested in our strategy and has asked us to help him. I have explained clearly and he is fully aware of the risks. If I'm a little crazy then he's truly crazy.

Properly not the best wife in the world

There may be an ounce of truth in the fact that I will soon be an "old lady". In a previous post (greedy or smart, time will tell) I wrote that I had read somewhere that 2.5% was considered as high yield.

I have to admit that it was my husband who read it and then told me. I perceived it as saying 2.5%, apparently he said 7.5% (I have corrected the post).

Obviously, my hearing is not on top. No matter what, I will never admit this to the most perfect child in the world.

A small warning

I received my dividend from OXLC at my Nordea account several days ago. The world's most perfect  husband, on the other hand, has not received a single penny yet. The longer it goes the more acidic he becomes.

Today he decided to call Nordea. After making his way through the various menus, he found himself in a telephone queue with an estimated waiting time of about 20 minutes. He emailed them instead.

Nordea answered him the day after and asked him to call them instead. My advice to Nordea's customer service is not to lift the receiver tomorrow when my better half is calling.

The market is getting smaller

The fact that several countries apply a negative yield messes things up for us. The consequence is that the stock market will be an interesting complement to investing money, triggering the share prices.

Increased share prices result in lower yield. Lower yields make dividend shares less interesting. Soon, there are hardly any interesting companies to buy for our part. Almost like "the dog on the cat, the cat on the rat, the rat on the rope and so on".

Construction of the money factory is continuing

The purchase order of OCCI went through last night. I increased my holding by 90 shares. No gigantic post but still a good supplement to the portfolio. Regardless of the number of shares, it is always a pleasure to fill the money factory with small workers.

My factory is far from finished, I have filled just over 40% of planned purchases.

I continue my acquisitions

Although WPG's share price continues to rise, I carry on to increase my holding in the company. In addition to the purchase in WPG, I also placed purchase orders on OCCI.

Unfortunately, I don't want to pay as much as the sellers want. The purchase order may remain tonight. If I don't get the shares today, I can make another effort tomorrow.

The experiment part IX

I sold off other holdings and increased my holdings in OXLC last month. The consequence is that there will be a slight delay before the bars even out.

I hope the bars are approaching each other from next year.

Click to enlarge

Greedy or smart, time will tell

I read somewhere that 7.5% is considered a high yield. Me and the world's most perfect husband do not invest in companies below 9% return. This means that we have an extremely high yield.

The reason for our aggressive placement is our high age. We are aware that all that goes against all advices. The older you are the safer investments is recommended because you do not have time to wait for the market to recover in the event of a downturn. We feel that because we do not have that long, we must take chances.

We are more vulnerable than we think

Last Friday, Nasdaq closed in the Nordic and Baltic countries due to technical problems at 11am. The trade would resume at 1pm but had to close down again after only a few minutes. Trading was resumed as usual first the day after.

At the same day, one of our biggest companies that handles card transactions had problems. Almost all card transactions were denied. This was the last day of the fall school holiday, so our biggest theme park was full of families with children and teenagers. The chaos was total.

I've seen better days.

I had a great Saturday

Yesterday I woke up again to the sound of money, namely $1,000. Getting dividends on a Saturday is really luxurious. The feeling of being off while my money is at work is awesome. I hope I never take that feeling for granted.

Every night I lay down next to the world's most perfect child and read a book with him, then I hold him until he falls asleep. Yesterday I had my new perfume. Just before he fell asleep he said, quote "you smell good" unquote. Yesterday began good but ended fantastic.

I am not ready to turn 50

Tomorrow we will go out and hopefully find more Christmas presents to the world's most perfect child. In all honesty, we have only bought 2 gifts for him so far.

Myself, I plan to have a low profile this Christmas and aim for a fantastic 50-year gift instead. The offspring reminds me every day that I am turning "old lady" next year. He's been on my naughty list for several weeks now...

Never assume anything

Tomorrow is All Saint's Day here. Since it is the day before a holiday, most people only work half a day today. Given this, I counted on a soft work day. I was deceived.

It was crazy and I ended up having to work over instead. I came home so late that the stock exchange had already closed. All acquisitions must wait until Monday.