Lending Club Update 4/4/19

I know this is long over due and I normally like to get these done every 3 months however March was a busy month and I finally carved out some time for this, so let’s get started.

To refresh everyone on the update from December found here, I had 274 active notes after investing another $1500 into the platform. I had a rather even split of notes with an average weighted rate of 15.88% and had collected $717.29 as of then.

LC notes snip 12.13.18note details 12.13.18

I began pulling money out of the platform about November or late October and have been pulling money out ever since. I plan to keep pulling money out until I begin work full time in June and shortly after that I will begin reinvesting back into the platform as well as putting new money into assuming I have extra money left over after the 40% rule. For those of you that are joining for the first time or forgot the backstory, I am a college student with no income for 9 months of the year, I invested in Lending Club to receive a great yield (6-9% generally) and keeping my money liquid with monthly payments to pay for my expenses during school. In early April my portfolio looks like this.

lc 4.4.19lc pie chart

Had some defaults and some fully paid notes along the way but not looking bad, we earned another ~$260 in interest in the last 4 months so far although it is slowing down.

Below we will compare the non-adjusted and adjusted account values with December data first followed by April data.

LC interest non adjust

lc adj 4.4.19

The account value has decreased dramatically due to pulling out hundreds of dollars every month to live off of.

LC interest 12.13.18lc non adj 4.4.19

The April adjusted value has taken a big hit due to the numerous late notes I am currently holding. Even if they default I still should be in good shape overall and will just need to ride out the storm the next few months until we can get some new money into the account and breathe some life into it.

lc table

Above is a table I populate nearly every month on various aspects of the account including the immediate return taken from dividing the adjusted account value by the (total deposited into the account – the total withdrawn). This is taken over the course of 2 years now so the 10% isn’t all that great however as with all of my accounts they have grown dramatically over the years and I have made wiser investing decisions as time has gone on usually. Also returns were so low in October due to the influx of new capital into the account and the notes hadn’t started payments yet essentially making them dead money at the time.

The final table I will show you guys today is a simple interest table by each month.

interest lc

You can see the dramatic uptick with the $3000 I put into the account this summer as we entered Fall and now its on the downswing again.

That just about wraps it up for me, I hope you all learned something today in regards to Lending Club and how I keep track of its performance. I can’t recommend the platform enough assuming it fits your investment criteria. I mentioned earlier my need for liquidity while making a decent return and getting paid monthly to cover my expenses and this platform does just that. I can’t beat the return with what I am getting either and I look forward to putting some more money into it in the future and being able to compound my returns rapidly. I should be able to purchase 8-10 notes a month at my current rate and with additional funds I could compound interest and reinvest in notes every 2 days on average in the future (15 notes a month or $375 in interest and principal every month).

As always let me know if you have any questions!

Thanks,

B^2

Stock Portfolio Update 1/23/19

Today I’ll be giving an update on my stock portfolio. The previous blog post about my stock portfolio can be found here* it is from September 14, 2018 and will be briefly recapped below.
Last time I had $9,750 funded in my Robinhood portfolio, today we are sitting at $11,500 funded. This was done by putting my income from the internship into the stock portfolio in late September and October. Previously I had profit and dividends of $670.92, today we are sitting at $1,132.90. Several large sales were made to attain this profit including selling the entire O, Realty Income position. While the numbers above show profit, all earnings have been reinvested back into the account and my account value is below the funded portion not to mention the $1.1k profits in their as well. I have several positions that require more maturity and I believe in 2020 I will be in the black. Below are pictures showing my account, for all side by side pictures, the picture on the left will be from September while the picture on the right will be recent.

IMG-2940-2974543385-1536945254322.png IMG_3463

As I am sure you are all aware the markets have been volatile lately and performance hasn’t been the best as of late. As I mentioned earlier in September the account was funded at $9,750, while currently the account is funded to $11,500.

Below I will highlight some of my positions.

IMG-2942 IMG_3467.png

My largest positions is also one of my worst preforming. This is a company and a situation that is getting better but I wouldn’t get my hopes up till 2020 or later. I have cost average down this position substantially and plan to wait on it to recover.

I mentioned ULTA on the last update however the situation hasn’t changed much. Its gone up, down, and sideways and I have used that to my advantage by skimming some profit off the top and buying back the share when it fell. Still waiting for it to reach new highs, price target is going to be reduced from $335 to somewhere around $315-$320 or so.

I sold O, Realty Income, and my total gain is around 22% according to a back of the napkin calculation including dividends and appreciation. While it may not have been the smartest move since I try to stick with my dividend stocks I felt that at the time it was towards the high end of the spectrum and I needed to cost average down other positions. Most of the updates this time around revolve around cost averaging positions. As we approach the end of this article take a look at the final two tables and look at the average price per stock in some of these positions. With the stock market shakeout/weakness I tried to take advantage of the sale and buy where I thought I could expect future appreciation.

IMG-2943-675463075-1536945409533.pngIMG_3468.png

Apple was a hot topic back in September with my screenshot showing a $221 stock price. We all know how that turned out and I’m still holding and collecting dividends on it.

Ford is another position I cost averaged down on, it also helped supplement my dividend income from the sale of O. In September I was holding Ford at $10.74 @ 100 shares, today I’m holding 150 shares at $10.00 yielding 6% on the dividend.

I always gotta harp on my best pick of 2018 so far, P&G still killing it after a good earnings report. Wish I had bought about 10 shares instead of 2 but we live and we learn and I have made some pick mistakes in my investing career that’s for sure.

IMG-2949IMG_3461.png

Dividends are rolling in strong for 2019 after an incredible December. Look for an update on those soon. Other notable mentions as far as my stock portfolio. I cost averaged JD and BABA on weakness as well as FB, and ROKU. I believe these will be great positions in the future so long as I hold while the markets do their thang.

It’s been a rock end to 2018. Here’s to hoping 2019 goes better. Couple of quick notes, thanks you for reading this as always, feel free to drop a comment in the blog or on IG. Pending how my taxes go there may be some changes my accounts will have to undergo. I will keep you all updated and try to keep Uncle Same happy.

Lastly, below are the full spreads of m Robinhood account

Thanks

B^2

OLD

stock port

NEW

sp 12319sp2 12319

 

Dividend update 11-2-18

Back with another dividend update. The last one was almost 3 months ago and since then I have improved my forward dividend by 23 percent! So, lets jump right into it.

Here is my table of dividends as seen on August 5th.

Ticker cost avg percent yield dividend/share share # year equivalent
CEFL $16.92 14.36% $2.43 16 $38.88
LB $32.36 7.42% $2.40 10 $24.00
T $31.89 6.27% $2.00 10 $20.00
STAG $25.85 5.49% $1.42 20 $28.40
F $11.19 5.36% $0.60 80 $48.00
O $55.78 4.73% $2.64 27 $71.28
PG $74.40 3.86% $2.87 2 $5.74
AAPL $157.51 1.85% $2.92 1 $2.92
      Total forward dividend $239.22
      Yield on portfolio 2.81%

 

To recap that is $239.22 in forward dividends on $8500. I have since then increased my portfolio by $3,000 to a standing total of $11,500 as of now.

Below is the chart showing my current forward dividend.

Ticker cost avg percent yield dividend/share share # year equivalent
CEFL $16.55 15.65% $2.59 20 $51.80
LB $32.00 7.50% $2.40 11 $26.40
T $31.89 6.27% $2.00 10 $20.00
STAG $25.85 5.49% $1.42 20 $28.40
F $10.52 5.70% $0.60 115 $69.00
CAT $113.68 3.03% $3.44 2 $6.88
O $55.78 4.75% $2.65 27 $71.55
PG $74.40 3.86% $2.87 2 $5.74
AAPL $157.51 1.85% $2.92 1 $2.92
CBL $4.09 7.33% $0.30 40 $12.00
      Total forward dividend $294.69
      Yield on portfolio 2.56%

 

Some new additions have been made such as CAT, and CBL. I have also increased numerous positions such as F, LB, and CEFL. My percent total has gone down slightly since I have bought positions and added to non-dividend positions such as CHK, BPMX and FB. Unfortunately, CBL took a massive dividend cut of 67.5% and has significantly hurt my forward dividend projection.

I am currently in a holding pattern as I will have no more income coming in for the foreseeable future. I will be using my dividends to purchase more stocks and options and hope that I will be able to generate profits to keep my dividend base growing throughout the school year. I also hope to make some large sales in the future.

Several notes that I will highlight further in my passive income update which should be arriving here this weekend include. Added positions in my stash account that produce dividends and interest payments. Added cash in my savings account which produces interest, as well as added cash into my Lending Club account that also produces interest payments. While not dividend driven my passive income, streams are growing and will continue to grow in the future.

Below is a highlight of my dividends and interest over time.

Dividend tracking 2017 2018
January $0.00 $12.86
February $0.00 $28.19
March $0.00 $33.18
April $0.00 $15.35
May $0.00 $17.72
June $12.54 $28.21
July $6.39 $14.32
August $5.55 $18.42
September $20.68 $35.56
October $17.86 $25.08
November $23.12 $8.80
December $28.13 $17.25
total $114.27 $254.94

 

Reviewing over the last several months we can see August saw a dividend increase of 231%, September saw an increase of 72%, and October saw an increase of 40%.

div 11-2

Currently sitting ~$255 of dividends to be collected in 2018 unfortunately that will be far short of my goal of reaching $500 in dividends received. Consistency is key, and I plan to continue adding to my dividend positions and increase my passive income. With large sales and profits generated from that in the future we should see a dramatic increase in forward dividend in the coming months/years. In the coming months we will be able to see actual YoY gains on the full calendar year and see exactly how much improvement has been made since there have been various accounting changes as well as significant positions added that haven’t materialized quite yet.

As always let me know what you think and if you have any comments or suggestions I would love to hear them!

Personal Finance Overview 7/17/18

Have you ever taken a hard look at your personal finances? I mean a hard look, like track every transaction, every paycheck, every bill you pay? Two years ago, I started tracking my personal finances during my co-op and internships. It has really opened my eyes to what I spend money on every day and gives me a better idea of where I am at with my finances. Let’s look at how I’ve been doing this summer!

finances

Above is a snip of my master spreadsheet for this summer. It contains all my expenses, paychecks, investments, some of my goals etc. Let’s go over this briefly to get a sense of what is going on. In color coded column is a category, from left to right: food, gas, fun, gym, girlfriend, bullshit. Sorry you’ve got your own column Nikki, but you cost some money and I’m not going to put you down at the bullshit level.

Anyways let’s analyze each column starting with food. Obviously, this is critical as you need food to survive and it’s a very basic need, I have included any eating out (fast food, restaurants etc.) as well as coffee and energy drinks and things of that nature. I work from my car and my job is pretty demanding out in the heat and having considerable amounts of energy is vital to my success so while I could opt for cheaper energy substitutions (majority of my coffee is from Starbucks) it is a necessary evil for me to preform well. Considering all of that, I average just under $300 a month over a 2-month span for my food consumption and it will hopefully taper down to $250 when I near the end of the summer.

Next up is gas, again a very necessary portion of my job is I must drive a lot and I also travel back home and back to school on occasion (200+ mile trips one way). At just under $200 a month on gas, I do go back to STL this upcoming weekend but that should be my last trip home besides actually going home for the summer, hopefully we can reduce that expenditure a tad and I can drive more efficiently.

Fun money! This is the column I try to minimize the most, as you can see I have some of paid subscription services but in my defense, I pay for the Netflix for my whole family and my brother and I use Spotify and I pay for it all. But besides that, you see alcohol and tobacco costs taking up the bulk of this column, I will have a substantial increase here as I will be paying for copious amounts of alcohol this weekend. Its gonna be litty titty.  This column will make its way up to $200 a month without a doubt here shortly.

Gym: If you didn’t already know my health and fitness is very important to me as I am a rugby player and have been lifting all my teenage years. The gym membership was a large upfront cost and I should have enough supplements to get me through the rest of the summer, hopefully this column ends at about $60-75 a month in costs.

Girlfriend: Sorry not sorry but you cost me some money this summer babe. Mainly in plane tickets to vacation but also lots of food and nice little gifts. Again, I wasn’t going to put it in the bullshit column so it gets its own column. There probably won’t be any additions to this column for the remainder of the summer so hopefully ending around $200 a month on this one.

Bullshit: this one is a toughie. To preface, this isn’t all bullshit like obviously I need to pay rent and to live somewhere but that’s what I called the column even when I wasn’t paying rent, so I stuck with the title. As you can see we have a deposit and lots of rent, I am paying 2 rents right now, one for Rolla (college town) and one for here in KC this summer. That started in July and my KC august rent will be low and the Rolla rent will increase slightly so it’ll lighten the load overall, but July rent sucked up a lot of my money. We have electric and internet bills, they both had start up fees, so they have since flatlined and we’ll only need to pay another month of two of those. Some of my supplies for work cost me a decent chunk of change including ladders, shoes, clothes, but those can be tax write offs as well. I also got my first ever speeding ticket this year which cost me $220 to get it moved to a non-moving violation. Anyways this is the largest chunk of my costs but hopefully with august being a short month it will taper down, and I can get my deposit back and we can wash our hands of this.

As of today July 17, 2018, my monthly costs of living is $2,134.50, I’m not sure if that is a lot or a little compared to most of the people reading this. I don’t have kids, I live in a cockroach invested shit hole of an apartment, I am partially paying for two rents, I eat cheap, etc. My assumption would be yes this is very cheap cost of living. I would like to reduce it further though. As I’ve stated above for some of the columns they should not increase anymore and as father time keeps ticking my avg cost per month will reduce. I had the goal of $1500 a month this summer however that was way underestimated and simply won’t be possible, I would like to have a cost of living under $2,000 though I think that would be very reasonable considering the circumstances.

My monthly conversion for what I am paid comes out to $3,033 a month. To me this is extremely low and pisses me off, (salary equivalent = $36,400) because I made $50k salary + living stipend last summer, and I am working significantly harder than I did last summer. My numbers should bump up soon and I will get a bonus as well at the end of the summer which will help. My goal was to make an equivalent of $60,000 salary from this job and I am very very far behind that goal.

As always let me know what you think!

Do you keep track of your personal finances? Do you keep track like this?

Could you benefit from tracking like this?

How do your expenses compare with your income?

Thanks, B^2

 

 

What I keep track of and Why

So naturally as an engineer I am very numbers and data driven. Fluff is not my game, numbers, charts, graphs, hard tangible data is where I thrive. I started tracking my spending while on co-op and internship, I figured it would be good practice for when I got out in the real world on my own and needed to be financially responsible. So, at that point I created what is now my most useful tool that I use to track my finances and goals, the co-op money breakdown google sheet. Doesn’t sound exciting but contained in these 8 pages excel spreadsheet is a lot of cool stuff. We’ll start with what started it all, the daily tracking of my finances.

color coded

I color coded my categories of expenses, from left to right they are Food, gas, fun money, fitness, Significant other, and other costs. I would track every cost that came in with running totals at the bottom, weekly amount spent on each category as well as the percentage of my costs it represents. This helped figure out where I was over spending and what needed to be adjusted. Next, on the same page of the excel sheet right next to the color-coded spending category is my income category. Here I would track my income (mainly paychecks) as well as how much of that income I saved. I also tracked my 401k contributions on every paycheck and kept a running total of that as well. Yes, I had a 401k through my co-op company at 20 years old, it was pretty frickin cool. Moving on, I would run totals on all of that, run percentages for amount of money I was saving compared to making and how much I was investing compared to how much I made in total etc.

Date: Income: Net profit Savings Invested (401k)
5/24/16 tax return $74.00 $7,629.20 $900.00 $378.00
5/27/2016 paycheck $660.50 $925.00 $345.00
6/10 paycheck $1,192.00 $548.00 $395.80
Baseball tickets $45.00 $507.00 $42.09
6/24 paycheck $1,234.00 $562.00 $384.72
7/8 paycheck $1,097.00 $106.80 $388.87
7/22 paycheck $1,014.00 $600.00 $339.00
Amazon $80.00 $889.00 $375.00
8/5 paycheck $1,124.00 $551.00 $123.30
bonus $106.80 $295.00 $324.00
8/19 paycheck $1,099.00 ** $550.00 $622.12

After that I believe I started tracking my net worth in specific categories. As you can see below I would track it every month and I have a nice little graph and everything, but I would track cash, emergency fund, P2P lending, Robinhood stock account, Stash and acorn, and finally my 401k. Add all that up in a couple different columns and there’s my net worth tracking.

networth

Another critical tool that I use on this spreadsheet is my Robinhood portfolio spreadsheet. Shown below it contains all the information on my stocks, shares, cost average, value into the position, market value and then the gain/loss with percentages. Also, the conditional formatting is a nice touch to quickly assess the portfolio. I usually update this sheet twice a week or more if I make big moves in the portfolio which I have recently.

Ticker shares cost average value in market value gain/loss gain/loss %
CHK 399 $4.92 $1,963.08 $4.00 -$367.08 -18.70%
ULTA 7 $241.25 $1,688.75 $227.69 -$94.92 -5.62%
O 25 $56.23 $1,405.75 $54.21 -$50.50 -3.59%
F 50 $11.38 $569.00 $11.64 $13.00 2.28%
BPMX 1624 $0.30 $483.46 $0.13 -$272.34 -56.33%
OHI 15 $27.12 $406.80 $27.41 $4.35 1.07%
STAG 15 $26.77 $401.55 $25.69 -$16.20 -4.03%
ATRS 130 $2.42 $314.60 $2.26 -$20.80 -6.61%
ELF 15 $19.87 $298.05 $20.05 $2.70 0.91%
AMBA 10 $52.94 $529.40 $50.25 -$26.90 -5.08%
CEFL 10 $17.72 $177.20 $17.95 $2.30 1.30%
T 5 $33.64 $168.20 $37.82 $20.90 12.43%
IP 1 $57.54 $57.54 $64.75 $7.21 12.53%
TTS 5 $9.48 $47.40 $9.75 $1.35 2.85%
JD 0 $41.82 $0.00 $0.00 $0.00 -100.00%
BAC 0 $23.95 $0.00 $0.00 $0.00 -100.00%
BABA 0 $0.00 $0.00
cash $4.35
updated $8,515.13 profits and dividends -$796.93 Current Value
1/18/18 money in $8,000.00 $515.13 current market ROI
started face value ROI 6.44%
12/2/16 net annual profit $456.37

Following the stock portfolio, I have two tables for dividend tracking however I’m only going to show the monthly counting dividend table. Below is a table showing how much I’ve received in dividends by each month and then sum it all together for the yearly total. As you can see I was relatively close to my goal this past year, a lot of my money was tied up in bad positions that didn’t pay dividends which ultimately hurt my portfolio as well. The other table features all the stocks I own that pay dividends, their payout on a yearly basis, how many shares I own, total yearly dividend income from those stocks, etc. I believe I am right at the $200 a year in dividends mark as we are speaking, that is not including interest payments I receive from Robinhood or the dividends I receive in stash.

Dividend tracking 2017 2018
January $0.00 $12.32
February $0.00 $3.10
March $0.00
April $0.00
May $0.00
June $12.54
July $6.39
August $5.55
September $20.68
October $17.86
November $23.12
December $28.13
$114.27 $15.42
Goal: $125 $500

I also use 2 tables for my Lending Club portfolio, the one below just tracks the interest I receive each month as it says on the account statement I get. Very simple and easy to fill out, nice little tool to figure out how the portfolio is doing overall at a quick glance.

Lending club interest collected
month amount
April 2017 $0.00
May 2017 $11.04
June 2017 $29.03
July 2017 $21.33
August 2017 $37.25
September 2017 $38.81
October 2017 $40.66
November 2017 $41.20
December 2017 $35.15
January 2018
February 2018
March 2018
April 2018
1 year gain $254.47

This next one is a bit more intimidating. This is a detailed depiction of the Lending Club portfolio, I fill this one out biweekly and the immediate return column is the only one that is self-calculated, everything else is straight from the Lending Club dashboard/summary screen. I use the immediate return to gauge my APY % as it comes in rather than the speculative NAR % return.

Lending Club info deposited account value NAR % return date immediate return monthly payments
active notes $1,500.00 16.50% 6/5/17
70 $1,700.00 $1,720.00 16.74% 6/19/17 1.176%
103 $2,500.00 $2,534.00 14.70% 7/7/17 1.360% ?
107 $2,500.00 $2,546.72 17.58% 7/21/17 1.869% $91.48
128 $3,000.00 $3,063.65 15.72% 8/4/17 2.122% $92.13
129 $3,000.00 $3,066.90 13.95% 8/29/17 2.230% $111.66
128 $2,900.00 $2,963.39 11.41% 9/15/17 2.186% $111.74
127 $2,850.00 $2,931.35 10.05% 10/3 2.854% $110.83
127 $2,800.00 $2,905.65 11.78% 10/17/17 3.773% $110.83
125 $2,650.00 $2,765.00 12.28% 11/1/17 4.340% $109.00
123 $2,600.00 $2,729.38 11.79% 11/15/17 4.976% $107.18
121 $2,500.00 $2,628.97 11.32% 12/1/17 5.159% $105.49
121 $2,450.00 $2,615.00 11.84% 12/16/17 6.735% $105.49
120 $2,400.00 $2,558.22 10.76% 1/1/18 6.593% $103.63
122 $2,400.00 $2,591.66 12.54% 1/15/18 7.986% $105.00

Finally, I track my blog statistics and posting schedule on my spreadsheet. As you can see I have tracked my advertising costs as well as the WordPress cost of the blog. I also track my views, visitors each month. Now if you are familiar with blogging or have one already you know that jetpack tracks this all for you currently. I just like the convenience of pulling up this spreadsheet and having all the numbers and data I’d ever care to know about right at the tip of my fingertips and easily analyzed. I think It is worth the extra time to fill out the spreadsheet.

Blog sheet blog was created 11/24/2017 Blog stats 2018
Date expense Month: November December January
11/24 $46.98 wordpress 1 year views 3 81
1/5/18 $3.00 IG promotion visitors 2 7
1/12/18 $20.00 IG promotion Revenue $0.00 $0.00
1/15/18 $3.00 IG promotion expense $46.98 $0.00 $29.00
1/17/18 $3.00 IG pormotion NET -$46.98 $0.00 -$29.00

Like I said, just a schedule of what I’ve posted and when, I also anticipate a posting schedule but that is never correct, I always have too much on my plate or other things that need my attention before this. The yellow highlighted posts are blog posts that have the potential to profit through affiliate sales, referral codes, etc. I have a column next to it with the amount they’ve made so far. Unfortunately that’s a big fat goose egg right now.

Schedule content
11/30/17 future real estate investment
12/3/17 Stretch investing
12/7/17 side money challenge
12/11/17 lending club review
12/12/17 change of plans
12/17/17 stock portfolio
12/20/17 Aspiration|Summit
12/20/17 stash investing
12/21/17 acorn investing
12/27/17 Discover Credit Card
12/27/17 Dividend update 12/27/17
12/28/17 2018 Goals
1/3/18 stock market book FE
1/5/18 review Robinhood
1/5/18 side money update 1
1/16/18 status update
1/22/18 airsoft entrepreneur

As always let me know that you think!Hope you got some useful information from this post, and may apply some of the ideas and concepts to help organize your finances or something else important to you.

Thanks, B^2

My Stock Portfolio

Hey guys,

As you may know I am invested in the stock market via Robinhood and I am planning to give a review of the app and services here soon, but in the mean time I wanted to show you what stocks I currently own.

Again like everything I do, I track my portfolio and its contents diligently in a comprehensive excel spreadsheet, as shown below.

Ticker shares cost average value in market value gain/loss gain/loss %
CHK 479 $4.92 $2,356.68 $3.54 -$661.02 -28.05%
ULTA 7 $244.08 $1,708.56 $218.37 -$179.97 -10.53%
O 17 $57.20 $972.40 $57.40 $3.40 0.35%
BPMX 1964 $0.33 $646.94 $0.11 -$424.03 -65.54%
BAC 25 $23.95 $598.75 $29.14 $129.75 21.67%
F 45 $11.14 $501.30 $12.57 $64.35 12.84%
ATRS 135 $2.42 $326.70 $2.01 -$55.35 -16.94%
OHI 10 $27.17 $271.70 $28.20 $10.30 3.79%
STAG 10 $26.71 $267.10 $28.03 $13.20 4.94%
DE 2 $126.27 $252.54 $150.87 $49.20 19.48%
T 5 $33.64 $168.20 $38.28 $23.20 13.79%
ELF 4 $19.64 $78.56 $22.47 $11.32 14.41%
CEFL 0 $17.65 $0.00 $17.85 $0.00 1.13%
cash $263.12
updated $8,412.55 profits and dividends -$1,026.97 Current Value
12/17/17 money in $8,000.00 $412.55 current market ROI
started face value ROI 5.16%
12/2/16 net annual profit $396.27

Let me know what you all think! As you can see its kinda ugly up there at my larger positions. I’ve been cost dollar averaging some of  my positions for sometime now so hopefully that pays off in the near future. The cash on the side is actually for CEFL which already has its own spot in the spreadsheet. I’m hoping that will help bump up my dividend income to keep my financially fluid while I do not make any income until May or so.

Thanks