Project: Dividends Stocks for Teenager - She picked her own stock

When I started this project I basically was pushing my daughter to pick stocks. 

Now when she switched her major to Accounting, she started studying Financial Statements of different companies.

So after one week in Accounting class she approached me and demanded to invest into Amazon stock. 

And I purchased 2 shares of Amazon stock for her. 

I know this is not a dividend stock but I thought that she can have at least one stock in her portfolio, which truly was her choice. :)

Thanks for reading and I will keep you updated.

Project: Dividends Stocks for Teenager - new stock purchased

I wrote in December that my daughter accumulated enough money to invest into another stock.

I created a list of stocks for her to choose from.

Today she finally made her choice.

She picked RY - Royal Bank of Canada. 

Here how she made her choice.

First she already had my list with 26 stocks. 

Then I suggested to look into Canadian banks stocks because it would be good for her portfolio balance.

She said, "Oh, it looks like lots of my friends went to Canada for visit", so I might pick one.

Then she noticed that according to 1 year target price RY shares might go up at least by $10. 

We are going to invest her Christmas money as well, so I will post another update soon. 

She is thinking about WHR - Whirlpool or T-AT&T. Probably WHR because she already has shares of T in her portfolio. But we will see. :)

You can find all posts about this project here.

Thanks for reading and please share your thoughts.

Yesterday my decluttering project reached $1000.00!

Yesterday my decluttering project reached $1000.00!

I would say we started this project in November. 

I used to donate most of items, but this time I had a problem. I had bunch of big items, which I needed to get rid of. 


So we held a garage sale. Unfortunately people didn't buy big stuff I really wanted to get rid of. Also it rained half of the time, so it was not a very successful garage sale, but it was a start. 





My mom suggested me to keep track of all my sales. It was a really good idea, because it is very stimulating to watch how each little item adds up to a bigger total. 


My next step was posting my big items on craiglist. It actually worked pretty good. We sold most of my son's bikes, old couch, grill and outdoor furniture we didn't use.

Then I discovered www.varagesale.com. This site is like an ongoing garage sale for your items in your area. You log in with your facebook account and find a group close to where you live. Then you post pics and description of items you want to sell. If someone is interested they will contact you. It's very fast, simple and free of charges. I sold some old furniture, household items, outdoor and gardening stuff, kids clothings and sport gears there. Usually I let people do porch pick up or meet somewhere close by.


I used to sell on ebay, so I posted some items there. I only sold one item and it was too much hassles plus all fees. So I am not going to sell on ebay again.

I drop my current magazines at local half price book store.


I bring my clothes, which I don't like anymore to a local consigner store.

If I found hardware items we bought but never used, I try to return for a store credit to Lowes or Home Depot.

I still donate some items to Goodwill. Items, which are still good but I don't want to resell. 

Now I catch myself walking through my house and wondering what is going to be sold next.

We still have a long way to go to get rid of all unnecessary stuff we accumulated through years.

Now days even if I am very careful what we are buying, somehow we still accumulate stuff, which we don't like, outgrow or just don't need anymore. So this is an ongoing project.

Thanks for reading and I hope this post will encourage you to start your own decluttering project. :)

May Passive Income Progress

With my daughter's high school graduation I am a little late to report my May Passive Income Progress.

I started tracking my passive income summer 2014.

2014 Passive income
June           $261.00
July            $209.67 
August       $235.62 
September  $212.97
October      $140.37
November  $207.05
December   $377.91

2015 Passive Income

January   $167.44
February  $279.29
March      $397.80
April        $202.48

In May I sold shares of EXPE and PETS, bought more shares of CNP and added a new position in HOG.

Dividends received in May:

BMO	$16.05
DRI	$18.70
KMI	$31.76
NE	$11.28
PETS	$19.34
PG	$16.70
TD	$14.51
Total	$128.34

My dividend income 2014 vs 2015 so far:

2014	Jan	Feb	March	Apr	May	June	July	Aug	Sept	Oct	Nov	Dec
	$48.61	$12.44	$63.58	$90.04	$65.67	$126.98	$122.68	$118.36	$166.28	$93.18	$123.70	$263.68
									Year to date		$1,295.20
2015	Jan	Feb	March	Apr	May	June	July	Aug	Sept	Oct	Nov	Dec
	$78.69	106.39	333.50	150.77	128.34
									Year to date		$820.49

Additional passive income or free money from different financial institutions:

I earned an interest                                $23.40

points on my Amex card                        $15.40
points on my Discover card                    $14.60

I received a gift card from Palais Royal      

and Academy                                        $20.00  

Kroger card cash back                            $10.00
Ebates                                                   $19.49

My total financial passive income for the month of May was $229.70

At this moment my goal is to have $1k in monthly passive income from dividends and other financial institutions.

Thanks for reading and please share your thoughts and progress.

How I earned $1,576.56 in one day without leaving my house

How I earned $1,576.56 in one day without leaving my house

 So today was my insurance review day.

My Homeowner insurance is due in a month, so I decided to recheck if anyone can give me a better rate.

My Favorite Recipe for Homemade Bread in the Bread Machine

Here is my favorite recipe for Bread in the Bread Machine.

 I like to use my own recipe because this way I know exactly all my ingredients.

2 cups of flour ( I usually use half of whole wheat or add some rye flour)

3/4 teaspoon yeast

1 teaspoon salt

1 tablespoon honey

1 tablespoon butter

1 egg bitten

1/2 cup of water

I put all ingredients in order I wrote it. Then I start my bread machine on regular cycle, its about 2.5 hours.

I hope you will like it too.

Enjoy your bread!

ATT Data Saving tips

Just got these saving tips from a nice AT&T representative who was helping me to make some changes to my plan.

 AT&T: Data saving tips