I need candy, good candy

We have decided to reduce the eating of sweets. Therefore, we have not bought any new sweets lately. For obvious reasons, only the absolute worst candy is left, AKA emergency sweets.

Last night the world's most perfect husband half took out the last jar of candy and burst out bitterly, quote "Oh just good candy!" unquote. I think he might have to go to the grocery store and buy some GOOD candy for tonight. After all, I have a cold.

Don't communicate things you can't keep

When I wrote (I'm afraid Nordnet will disappoint me) that I was doubtful that Nordnet would pay the foreign tax as promised, it really felt like pushing at an open door. It's not always fun to be right.

How can I as a woman get a man-cold?

My husband had a horrible cold last week. For the first time in our 25-year relationship, he did not complain once. He kept it together and worked, with a cheerful mood.

For some unclear reason, we usually do not infect each other. However, this time was different. Now I also have to hold it together when most of all I want to lie on the sofa, be taken care of and feel sorry for myself.

It's always a competition.

Dilemma

Even my stubborn husband has come to realization and now sees several buying opportunities on the stock exchange. He wants to buy in the downturn but at the same time does not want to log into his account. How he is going to succeed with that achievement I have no idea. Maybe he has magical powers I am unaware off.

It has been a hard week's work

This week I have been incredibly effective at my day job. I have never before finished all company declarations this early in the year ever. To top it,  all the annual reports have also been submitted. It almost feels a bit empty.

I'm afraid Nordnet will disappoint me

Tomorrow we will receive our first repayment of the foreign withholding tax on our account at Nordnet. The refund we will receive relates to the payments we made in 2017.  It will be exciting to see if this works.

When I contacted Nordnet in this matter 2 weeks ago, they said that the payment would be in my account the 28th of February. Personally, I am extremely doubtful about this, but I hope I'm wrong. Tomorrow I know for sure.

Money must work

There is much to suggest that a war fund should be kept during these times. I practice buying over time instead. Since I am a long-term investor in dividend shares, I hope this is the right strategy. Yesterday I acquired NEWT and OCCI. My husband AKA the mule is waiting a bit.

It does not look good

Today we finally got some dividends. CEFL, MORL and SMHD gave a little money. This is by far the most boring month ever when it comes to dividends. There are several factors that contribute to this.

One of the factors is that my document shows a higher result than reality. The light at the end of the tunnel is that many of our dividends have a payday on February 28. There will be great pressure on March to save the Q1's results.

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As stubborn as a mule

The stock market decline that started yesterday and continued today has made some of our planned acquisitions even more worthwhile if you look at the dividend. The plan was that we would acquire some securities already yesterday, but the world's most perfect husband who predicts further declines (sales) wants us to wait a bit. Given that my hubby's attitude to sales is "it must be at least 50% off" I predict that it may take a while before he starts investing on the stock exchange again ...

Unwelcome visit

Many countries are fortunately taking medical measures to stop the spread of the Coronavirus. 

Unfortunately, other concerns can come from this situation. Many companies have slim warehouses and apply Just in Time (JIT). As a result of China's shutdown, many warehouses may be empty in the near future.

Combined with several countries applying zero or even minus interest rates, inflation is likely to knock on many doors in the near future.

My bad

I made a big mistake. I downloaded the Sonos app to the world's most perfect child's phone and logged him into the system in the apartment. Being able to stream music everywhere seems to be a need that Junior was unaware of that he had, before I opened Pandora's box.

Nowadays we have a horrible version of youth rap song that follows the offspring everywhere, even in the shower. I have never been a pre-teen mom before so this is a trial and error thing for me.

Caught with one's hand in the cookie jar

It will be an exciting future given China's shutdown due to the Corona virus. In our industry, many of our suppliers claim that their products are manufactured in Scandinavia. The main reason is, I suppose, to raise the status of their products.

Made in Scandinavia sounds better than made in China. Recently, we have been notified of delivery delays with reference to the Corona virus. It is now that you separate the wheat from the chaff.

Don't put all your eggs in one basket

I have always believed that we are the only ones who are disloyal to the banks. The more blogs I read, the more enlightened I become that most people have deposits in different banks. The reasons for this are almost as many as there are people.

Various offerings of shares and funds, procedures for foreign tax repayment, how user-friendly the website is, terms for mortgages and so on. For us, it has always been primarily about the tax refund. The frustration over Nordea's user-hostile website has subsided. Whether their side has gotten better or if we are used to their standard is hard to say.

We will continue with Avanza, Nordnet and Nordea. However, Nordea will be our main bank, for now.

Mission impossible

My Google Sheet where I enter all the dividends in real time gives me an exact indication of how much we really receive in dividends. As surprised as I was of the end result from the January, I am as surprised today of how little we have received in February so far.

Reaching the February forecast feels almost impossible today. As I mentioned before, I have to wait until all the months in each quarter have passed in order for me to do a fair evaluation of the forecast vs the outcome.

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Cash cow

As a bank, to offer its customers private banking, provided that they have a certain balance on the bank, is brilliant. As a customer, becoming a private banking customer is not a significant improvement.

However, the winner is the bank, which immediately begins to process the customer with a variety of services such as insurances, active asset management, savings for children and more. Who doesn't want to milk the biggest cash cow? No one cares more about your money than you!

He seemed so happy

One of the bloggers I follow was incredibly happy the other day when he had finally reached the stipulated amount and would be able to take part in private banking at Avanza. I feel a little sorry for him considering that Avanza's private banking does not mean any major privileges. I really hope he doesn't get too disappointed.

This will take time

Today, the world's most perfect child's savings had reached $42. This meant that he could make his second acquisition. The choice fell on OXLC. His portfolio today consists of GLAD and OXLC.

If it is because the value of his portfolio is low with very small movements or if it is that he lacks a natural interest for trading is too early to say. It will be exciting to see his money tree grow.

You have to keep what you promise

I have complained a lot about Nordea here on the blog. Their user interface has almost driven me crazy. It's only their incredibly quick repayment of foreign tax that has enabled me to continue my acquisitions there.

This fall, the most perfect husband and I decided that all new savings would be invested in Avanza instead. This year it turns out that Avanza will only repay 85% of foreign tax instead of promised 100%. It made us go back to Nordea, immediately.

Sometimes you have to let things take their time

Reducing our influence over our companies takes time. Since I am not fond of change, the world's most perfect husband and I have decided to let things take their time. While we have time to get all the pieces in place, hopefully.

Either way, we have eighteen exciting and incredibly hard work-heavy months ahead of us. Some days I want to endure and others I want to fast forward to next summer. This will be a roller coaster.

I really hope my calculations hold

50% of February has passed and we have received just under 10% of the month's calculated dividends. According to my document we will receive another 10% next week.

If all calculations and quotations are correct, we will receive 80% of the month's total dividends during the last week. I sincerely hope that this will be the absolute worst dividend month of the year.

Hardly any dividends, but lots of unwanted changes

If the tidal wave of dividends that came in January has changed to a dehydrated river, then it happens all the more in my emotional life. Tomorrow, the world's most perfect child will have 3 friends at home on a "study day". Two of them are girls. How this has come about I am completely unaware of.

I consider myself a person who recently 😉 gave birth to him and he is a baby. My baby. This week has been full of new activities for me, he has started going to school himself and now this. There must be a limit to what a mother is expected to handle.

My uncle is not built for this

My father, who is currently indescribably happy about the development of his stock portfolio, wants me to help his younger brother as well. My uncle who is 72, has never taken a risk in his entire life, literally.

I will never risk my uncle's money on the stock exchange, he would not survive a bear market. Now I have to come up with a large number of excuses for not having time to help my uncle until we reach a bear market and my father's interest in helping his brother fallen. Tough times ahead.

No one told me that this would happen

The world's most perfect child goes in grade 6. Me or the world's most perfect husband has walked with him to school every day. Today he went to school by himself. He sang and chirped as he walked out the front door. I had to force myself not to run after him. It is crazy that something can be heaven for one person and at the same time hell for another.

Not much is happening

Just to give you an idea of ​​how slow February is as a dividend month for us, I enclose our chart below with exactly how much we have received so far in dividends. I'm starting to get skeptical if we pass the February forecast.

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I am grateful but far from pleased

It is said that January is the poorest month of the year. Personally, I do not agree, for us it is February and its sister months.

This month happens 4 times a year and you never get used to it. The fact that the worst month of the year comes immediately after the best month of the year makes the difference only clearer.

Imploding shares

Occasionally, stock prices fall without actually having a relevant reason. My view is that if a share falls below $5 according to the above scenario, I get the feeling that the big financial institutions perceive these shares as rubbish shares and sell off their holdings.

Such negative price developments do not appear to have any bottom, it is almost like they implode. As the share price goes down, dividends increase. Such a combination I find difficult to resist. My acquisitions of WPG are a typical example. My husband's support in this easily strained situation consists of text messages: "WPG 🤔".

It's always a competition!

One of my fears is that we are destroying the offspring's natural drive by pampering him to much. Both Mr Dewlar and I love to compete. Therefore, it became natural for us to compete with YMD in all forms and constellations. Whether it is golf, basketball, Pokemon Go or to be the first one up the stairs to our apartment and ring the doorbell.

Today when we were on our way home from our walk my husband and I had to stop at the grocery store. Our son asked if he could go straight home instead of accompany us. 5 minutes later it rang on my husband's phone. It was the offspring who called and said quote "Dad, tell mom that I won, I rang the doorbell." unquote.

Change of plans

After working almost 2 working lives at age 50, we got to evaluate our future plans. If everything goes according to our plans, our working life will change significantly within 18 months. We will not retire, just try to disconnect ourselves a little from our companies.

The goal is to the companies less dependent on us. Most of the commitments we have to maintain must be able to be managed remotely.

Shared joy is not double joy, it is a thousandfold

I am incredibly impressed by the offspring's commitment to school and homework. He and his friend join the Google Classroom and work on their joint school projects almost every day after school.

It is pure happiness to hear laughter and joy from his room as they compile the information. I am extremely grateful that he got a place at this school, it's almost that I want to start there as well.

Dividends ❌ Sunlight ✅

Eight days into February, it is undoubtedly clear that this month is one of our four worst dividend months of the year. From having almost drowned in dividends in January, it is drier than in the desert in February.

The positive is that the sun has finally found its way out of the clouds. Although it means colder temperatures, the sunlight is welcome. A cold crisp winter day with glorious sun is fantastic.

Daddy's little "girl"

The stock exchange was good to our holdings yesterday. My father was particularly happy. He came visit me at work that afternoon and showed that his portfolio had increased in value by just under $1,800 during the day.

Since it is me and my husband who helped him start his endowment insurance and acquire his holdings I was the apple in his eyes yesterday. The idea that he comes and visits me during a bear market is not as appealing.

Everything was not better before

My new computer works beyond expectation. There is only one program left to install. All other programs I was able to restore completely myself. It is absolutely incredible how user-friendly everything with computers has become.

A hundred (twenty to be exact) years ago I worked at a software company. At that time, our operating technicians went out to our customers to install operating systems from floppy disks. It took an incredible amount of time to do these installations and was very expensive. I am fascinated by how automated everything is today.

If he sells today, he has made money

This morning, when the world's most perfect child woke up, he had received his first payout during the night. It was his holding in GLAD that gave fruit.

Since he only has 9 shares, the sum itself was not so large after exchange rates and similar costs. The older you are the faster the time goes, which means that the offspring experiences it as if it had been years since he acquired GLAD.

Below is a snapshot of his depot today.

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The experiment part XII

I was able to acquire a small number of shares in OXLC before the price went up too much.

I have 3 different pension insurances. It's just one of those I actively manage. Even though the other two has fallen somewhat by the wayside, I have control over them. If they start to show bad results in the future, I will take over the management of them as well.

No one is more interested in my money than myself.

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I have to accept the newcomer

My work computer died today. Admittedly, it did not come as a bolt from the blue. It has been unreliable and whimsical during the last weeks.

It is a lot of work with replacing a computer, despite current backups. I am jealous of other people who love change, I am not such a person. I don't even like to change computer.

I hope I can stay focused on the right factor

It is difficult to predict how much the Corona virus will affect the financial market in the future. If it continues to spread and more countries isolate themselves, I assume that different REITs with a focus on hotels and the like will suffer.

Our holdings include such REITs, should such a situation arise, I will try to see it as an opportunity to lower the acquisition price and not focus on the depreciation of value. However, given the elderly and the weak, I hope they get control of the virus immediately, preferably yesterday.

He had high expectations

Having a child is like reliving your childhood, though on the replacement bench. Last Friday, the offspring attended his first ball. He could hardly sleep the night before the ball and was tense as a violin string in the morning.

With one of the biggest smiles I've ever seen on his lips, he walked into the school building. When we picked him up in the evening, the smile had been replaced by a very hanging head.  She didn't want to dance with him. My mother's heart broke. Fortunately, he quickly got over it.

The charts are only 30 days apart

It is when you compare these two charts that it becomes clear how much the stock market has increased over the past month. It's a little scary.

2.1.2020

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1.1.2020

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The hunt for dividends has begun

Seeing how dividends grow and being able to compare them with the previous year is extremely satisfactory. I expect that we will reach the total dividend of 2017 at the end of the first quarter of 2020.

The fact that the dividend increased so much in 2018 is because we increased our risk-taking and redirected the portfolio. Right now we are very happy with that decision.

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At least it was to my advantage

With 98% of the month's total dividends, I choose to close the month and report the result. I am surprised that January was so much better than expected results. Continuing this in February and March, I must check the calculations in the document. I do not complain, rather more than less!

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Technology at its best!

Nordea's quick and admirable handling of the payment of foreign dividends enabled us to acquire a number of MACs last night. We Scandinavians got our money from NLY, NRZ, OFS and OXLC the same day as the Americans.

Below is the chart of compilation of the Family First portfolio at the end of January 2020.

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The inevitable happened

Now I have turned 50 years. I leave it behind me and pretend like it never happened. If anyone asks if I'm 50, I will deny it, forever.