This is my January 7, 2018 Net Worth update! My net worth rose $112,716.39 total for the year 2017. My portfolio rose $53,364.50. I contributed $14,420.00 to my portfolio and earned $9050.24 in dividends and capital gains.
Pot stocks recently attracted my attention so I ended up purchasing eight stocks which can be found in my Roth. I believe in the benefits of cannabis oil as a medicine and since Canada should legalize in July I figured it would be a good purchase. So far I have earned $2000.00 but the market appears to be quite volatile. I am considering selling and using the gains as a small stash to use to dabble in daily trading. 🙂 Pot stocks are the only non dividend producing stocks that I have ever purchased. However I appreciate the slow and steady course of dividend investing and will therefore continue to mainly invest the dividend way most of the time.
In the month of December I also found myself purchasing several reit type stocks that can be found in my Roth. I was feverishly looking for good dividend payers and when I happened upon a discussion forum on Fidelity’s website that discussed high dividend yielders I could not resist. I jotted down several names from the thread and ended up purchasing them. The stocks are ARI, ARES, CIM, HTGC, NLY, NRZ, and TCAP. Once I realized I would not be quitting my job I pulled the money from my emergency savings and plopped it into my Roth. So far, as of this writing, I have maxed out my Roth for 2017 and 2018, filling it up with reit type stocks and pot stocks 🙂
My goal for 2018 is to save as much money as possible. I cannot take the flu shot again so I will have to quit if, once again, I cannot find a doctor to write an exemption letter. I really just want to quit, so if I were to get out of taking the flu shot it may not make a difference. I may still quit. The daily grind is taking its toll. My physical state is suffering and I need relief from the daily grind. The question I wonder about is would quitting place me into a worse state? I do believe that if I kept working until the age of 49 I could have 1 million dollars saved if the bull market continues… But does it really matter? Health is true wealth and my physical state is suffering which is affecting my imagination and creativity. Imagination is everything to me, having the freedom and strength to imagine….
In the foreseeable future I would eventually like to buy a camper van to travel and live in part time! We shall see but this is something I would really like to do… I need to see California, Yosemite, the Organ Pipe Cactus National Monument…Nova Scotia, Michigan……..Superstition mts…. Stay tuned!
Hello Everyone, this is my October 6, 2017 Net Worth Update.
My stock portfolio has increased over the past year with very little outside contribution. My dividends are averaging a little over $500 dollars per month. I have mainly been adding to my emergency fund to reach a goal of $10,000.00 which I have just about accomplished. I know my goals keep changing. This is because I am not sure if I will be working at my job after December, so my goals are very short sited!
My plan for the rest of the year is to add 95% of my paycheck to my 403b. I am doing this for three reasons: #1 to take advantage of some extra hours that I am working at work, #2 to decrease my taxable income, and #3 to cut my paycheck down to almost nothing so that I can feel the burn and hopefully this will spurn me on to focus on building up my paypal account through reselling. If I do not earn enough money to cover my bills through reselling I will have to use the money in my PayPal or charge to my credit card. 🙂
My goal is to earn money outside of work through reselling and eventually quit my day job. My day job pays well but I am looking for a way out of the daily grind… I would like to have control of my time and this control is becoming more important to me the older I get!
Hello everyone, this is my (late) July Net Worth update. It has been a little busy for me this summer so I am a little behind but I have been able to go to some nice places including Lake Michigan!
So to recap, up to mid July, my net worth increased $8883.13. Most of the gains were due to the stock market. I am still concentrating most of my savings efforts into my extra savings account and throwing a hundred dollars here and there into my brokerage. I have come to the conclusion that I really need to add to my Roth this year, 2017, since its earnings are tax free. I guess I am stubborn about contributing to that account for some reason but I really need to do it.
I would like to accumulate $20,000 in an emergency fund and so far I have saved $7000.00. In addition to the $20,000 emergency fund I would also like to purchase a car in the $8000 to $10,000 range. I would like to accomplish these two things within the next year and if my current vehicle is still running I will just keep it and hold onto the money saved until I am forced to buy another.
Of course I will have to keep working in order to accomplish these goals so if I want to do this I will have to take the flu vaccine to keep my job which I do not want to do. In the meantime I will pray for a miracle and hopefully get out of it.
My dividends have been earning about $525 per month average. This is great news and I feel happy and content at this point with this amount. Of course earning more returns would not be unwelcome but since I have drastically decreased contributing to my accounts I understand that growth will be slow but I can’t really complain…
Looming big purchases for my townhouse, such as a new heating system, has also caused me to decrease saving for retirement. 😦 I also make less money than I have in previous years because I cut down my work hours from 40 to 32 hours per week. I am relieved to have a decreased work schedule and like working four days a week, it prevents burnout. So I have no intentions to increase my hours and therefore have to accept the decrease in pay and decreased contributions.
Have a great month of August! I hope to have another update by the end of the month. Don’t forget the eclipse August 21st!
This is my June 12, 2017 Net Worth Update. Since I decreased my working hours last year from 80 biweekly to 64 I am unable to add as much money to my brokerage as I would like. At one point in time in 2016 I was adding $2000.00 per month. At this point in time I could probably add about $1400 per month but even saving this amount has screeched to a halt because I decided it would be more pertinent for me to instead add it to a savings account emergency fund since it is highly likely that I will be quitting my job in September due to a “mandatory” flu vaccine at my workplace.
This shot has nothing to do with safety and everything to do with adding money to someone else’s pocket and especially not mine since I am willing to quit over it. I guess you could say that I am upset and angry that my savings ability is being ripped from me. I am a saver. Everything seen on this blog was saved from my own work. I have never been in debt, I always saved, even when I had nothing.
It is unbelievable that I have been able to obtain what I have and I am frustrated because I believe this is another example of the attack on the middle class. My job cannot be outsourced so I believe “they” have used a job that cannot be outsourced to their advantage by taking advantage of the only thing they can, my physical body.
Quitting will alter my blog and investing activity but I don’t think it will be completely destroyed. The good news is that my monthly dividend return has been averaging just over $500.00! Simply adding $500.00 per month to my account is an admirable achievement and I think I can be happy with limiting my contributions to this amount. Unless I can obtain “special paperwork” from a “doctor” to get me out of this poisonous shot, I may have to accept this…
So… this is what “they” are doing to me… and is another representation of what “they” are doing to the middle class… I feel like I live in Nazi Germany, trying to get my “special paperwork” to get out of the country and save my life.
My only other option, I have decided, is to take one shot, in 2017, and one shot only since repeated shots are more harmful, save for a car in 2017/2018, and quit in the fall of 2018 before the next shot is forced. Stay tuned.
On a lighter note, I have been working around my container garden and small yard like crazy. I love doing this. Below are some pictures. I bought a Meyer lemon tree on a whim at Walmart. I live in zone 6 so this should be interesting. This tree can be kept in a container so it will live through the winter. I also purchased various plants for pollinators. These plants include a milkweed plant and milkweed seeds for Monarch butterflies, Lavendar Grosso, and Phenomenal Lavenadar, and Salvia plants. Bees love Salvia.
I have also become quite interested in the International Space Station (ISS). It can be seen with the naked eye so it is especially exciting that its path has recently taken it right over my townhouse on a nightly basis! It is so cool.. there is even an app, called ISS Detector, that enables you to track its orbit. Astronomy is something I intend to study in my post 9-5 life. It astounds me that one can see the moons of Jupiter and Saturn with something as simple as binoculars.
This is my April 22, 2017 Net Worth Update! It is exciting to see the dividend changes, you can see the changes here: Dividend Income, and here: History.
Almost exactly two years ago I stumbled upon dividend investing when I noticed deposits of money into my Roth IRA that I did not actively contribute. I thought the deposits were some type of “mutual fund” activity but researched further and found out they were dividends.
I was intrigued by these deposits and researched daily. This led me to an investment technique called “dividend capture”. My first dividend capture stock purchase was a financial stock called White Horse Financial which I still own to this day.
WHF has a great yield but the dividend has not increased since my purchase. I did not sell after receiving the dividend because the price dropped under my purchase price. The price drop combined with the $7.95 buy and sell commission would have caused me to lose money.
WHF’s price has just now exceeded what I originally paid, almost two years later! 🙂 (Speaking of commission, about a month ago Fidelity changed their commission price to $4.95!!! Unbelievable!!! And the same day they announced their changed, Charles Schwab did the same, offering a $5.95 commission!)
I was hesitant about the dividend capture method so I continued researching other investment strategies. It was at that point that I discovered the old Dividend Mantra blog. This blog opened my eyes to see that I could just simply continue to hold onto the stock and receive future dividend income from it without the fear and stress of losing money from buying and selling. As long as the market did not crash, it sounded like a win-win! So far that little stock has earned me $246.06!
So I abandoned dividend capture and embarked upon dividend investing. This is funny because I was always told to NEVER buy single stocks, opting instead to invest in mutual funds. But at the age of 41 I decided to take a risk and buy single stocks.
This method appeals to me because it is simple and easy to understand.
All mutual fund distributions arise from dividends. However one can lose money through mutual fund fees. By purchasing single stocks I bypass the “interference” of managed funds which enables me to receive the whole dividend in its entirety. Plus, I do not have to sell off portions of my mutual fund to obtain income in retirement and cut off part of my “tree”. 🙂 If you have not yet perused the Dividend Mantra site, I highly recommend it, are the remnants still out there???
Along with all of the great concepts (for ex. “A Dollar is not a Dollar”, a “Year is not a Year”) I learned from the site, there is yet one more. It offered a real live glimpse of a stock portfolio.
Up until that point in time the main financial guidance I received was that if I placed “X” number of dollars into a mutual fund at age 20, and contributed annually, I would accumulate “X” amount of dollars by age 60.
I basically had to contribute and wait passively until 60. Some estimates predicted the earnings to be 1 million dollars; the problem is that I never saw evidence from the financial advisors who advised this, no one ever presented proof, I never saw real numbers.
Seeing the dividend mantra’s portfolio through the power of the internet was very, very helpful to me. I saw a much more active investing process. Because I was helped I decided to post my portfolio as well and offer that same help to others who may decide that dividend investing is for them. You can also see the accumulative effect of the dividends here: History.
These are some pictures of things that I was up to in early spring. Most of the pictures are from a small and old town that I like to visit. Can anyone guess what happened to the tree? 🙂
I was going over my portfolio changes for 2016. My portfolio, which consists of a brokerage account and Roth IRA, experienced a combined increase of $47,946.42 for 2016! That is great news especially since I added approximately $20,000.00.
It is nice to see portfolio increases but dividend increases are equally as important and more important in some ways. An interesting detail occurred in that the dividends earned in 2016 surpassed those of 2015 by only $700.00! I began dividend investing in 2015. Starting in April, 2015’s dividend total does not even represent a full year.
With $20,000.00 invested in newly purchased dividend stocks I was hoping to reach $7000.00 in dividends in 2016. I believe there are two reasons why I did not reach $7000.00. Most of my Roth IRA consists of a mutual fund. The mutual fund produces “distributions” every quarter, not dividends, and these “distributions” vary. For instance I made $1435.63 less in distributions from my mutual fund in 2016 than in 2015. Adding $1435.63 to my dividend 2016 income of $5884.16 equals $7319.79…
Would selling off my mutual fund and investing in dividend stocks increase my earnings? That is the question I keep asking myself and need to research throughout the coming year.
The second reason I think my dividends did not reach $7000.00 is because the “snowball” is just getting started. I am new to dividend investing and am thinking there might be a cyclical pattern of increasing dividends? For instance maybe 2017 will yield a noticeable difference after two years of monetary additions? This is just a hunch and I am a newbie but I will definitely look into selling my mutual fund for single stocks.
New Perspective
Sometimes I feel guilty for going over my dollar earnings, feeling like I am being greedy or something as I count all my cash. Well, I have reminded myself that cash value is relative and my savings is paltry to some and grandiose to others and the cost of my monthly bills places my savings amounts into perspective. If I had a $1500.00 per month mortgage this would be a totally different blog. So, it is all relative…
Well, I now feel a little less guilty about “counting my cash” each month because I see how it is a protective measure for me and my life.
I sometimes get a cold but never severe enough to call in to work. I have called into work at total of three times in the past 14.5 years. Unfortunately I was stricken with shingles about two weeks ago. It was a good thing that I happened to schedule some vacation time during this outbreak but I still needed to call in for two days. As I type this I am still in pain and wonder if I will make it in on Tuesday.
Shingles is one of the most physically painful things I have ever experienced. The condition is horrible and I feel sick thinking about its symptoms, it is a very agonizingly sickening condition. I have a new empathy for anyone who has experienced… shingles.
As I rested on the couch again yesterday, feeling as if I was suffering the aftermath of a shark attack, it was a great comfort to see that I earned $69.73 in dividends on that day! Without doing anything! With no fees! This is such a comfort to me because at that moment I was once again contemplating quitting my job, taking money considerations into account.
I am grateful for dividend bloggers such as Jason Fieber for constructing the Dividend Mantra blog, which is now discontinued, because it was available at just the right time for me in 2015 to learn what I needed to know. This topic of early retirement is not greed, it is survival. I believe that people such as myself will not make it to retirement at 65, we are sensitive individuals, easily stressed and weeded out if not careful…
Shingles has left me wondering if my lower back will be okay? I am being melodramatic but it has caused a lower back pain I never had. Shingles arises from dormancy from something called a dermatome and in my case this happened to be located in the area of the L2 and L3 dermatomes of my lower back. The dermatomes extended and spread the rash as the they twisted and turned from my right upper hip into my right outer and inner thigh, and finally to the back of my knee.
I could feel the inflammation begin in my lower back as the rash began. I had to work at my job during the beginning of the shingles pain since it occurred on Christmas and I was scheduled for the entire weekend. There are many areas of pain in the affected areas of a bought of shingles and different types of pain, horrible, electrocution type shocks of pain and others that I do not want to remember…shingles will make you cry.
For now I seem to be on the mend. I become happy when I realize there are areas that feel better but then sad when I realize I still have pain. It has been exactly two weeks since the very initial symptoms of a deeply achy femur bone. I believe stress played a role in my shingles development; I work too hard and need to take a long break and do the things I want to do. I want a garden and I want to raise monarch butterflies, and hike and take trips. I basically do nothing but work and it is catching up with me and it is now obvious through the effects of shingles.
I realize that I have to keep stress at bay because I DO NOT want shingles to come back. I have been longing for a free life for too long. I plan to manage stress with yoga and detoxing, things I have always believed-in but found very hard to do…and look at where it got me!
Outer Thigh
Inner Thigh
On a lighter note these are some of the places and things I got involved in before shingles. I was happy to find some “mid century modern” chairs at a local thrift store. Their brand name is Viko and they were manufactured in 1959, if I am correct, in Pennsylvania.
Hello Everyone! I am ready to early retire right now. I am having trouble keeping up with everything that I need to do around my house plus going to work. My hours were cut down to 32 weekly but I am still struggling.
Maybe purchasing a townhouse was a bad idea? I was fortunate enough to pay for it in cash so I thought that this was a no brainer but I am finding the upkeep more than I expected. Or maybe it is just a busy time and things needed around the house will subside. I do need new window treatments and have been looking into plantation blinds which are not cheap. They are one of the high ticket items that I need to purchase before I finally quit. A car is also on my radar so I still need to work for a while longer but sometimes I just want to go for it and quit now. I do not like leaving my townhouse. It sounds crazy but I feel like I have enough business occurring at my residence that I cannot split my time with both the house and a job. I have to keep up with various paperwork, cleaning, and bills. I would like to rearrange my small but awesome shed into a getaway but I never seem to have the time to embark upon these plans so I do nothing but daydream about them while in the meantime getting older at an exceedingly faster rate…
Time is flying by so fast that the years now seem to last only 6 months. I think I am going to start seeing my days planned out in a “seasonal” perspective instead of a daily or weekly or even monthly because these time frames go by too fast. So this is how I will look at a seasonal time frame: spring is a time for planting, summer is a time for growing, fall is the time for harvest, and winter is the time for REST and rejuvenation! I can see myself sleeping early and long in the winter since it gets dark at 5pm. I can see myself eagerly planting herbs and veggies in the spring…see I am daydreaming again…but not actually doing anything…
We really do not know how much time we have on this earth. Because of this I feel an urgency to retire now. Will my time be shorter than others? I do not know but I do know that I would be very angry to suffer a debilitating illness and still be working the 9-5 without getting a chance to pursue my daydreams. I would be so angry!!! So I am thinking I may just have to wing it and attempt to retire early within the next couple of months. Because of this I have not been placing any money into my brokerage account for dividend investing but into my savings account for emergencies and a car and my so-called “high ticket items.” I would like to save $20,000. I could maybe buy a nice two year used car for $8000 to $10000 and hold the remaining $10000 for a nice cushion, or even a second used car in the distant future. This is frightening to me because leaving my job to purse early retirement dreams is premature for me. But I believe I am going to have to do it sooner rather than later because of the urgency I feel to do this before I am too old. I am also hoping to avoid the dreaded flu vaccine that they are trying to force me to take in the fall of 2017.
I have goals to support myself with ebay sales and to use dividends only if necessary. Relying upon ebay to cover some of my bills is at this point premature as well. At this present time selling and shipping costs are costing me 63% of my selling price so I need to work on honing my profit making technique. But I have a feeling that I could do it if I could just focus. I have sold $240.00 within the past 60 days so at least I can say that I am trying and succeeding. My expenses are low and for the most part I value the things in life that are mostly free so I can live very minimally. So $500 net ebay sales per month would be fantastic and $1000 net profit would be golden. I have this urgency to explore and finally be myself again now while I can, I do not want to wait until I am 60. I have heard of people going into debt $50,000, at the age of 40, to further their education! And the incomes earned would be less than $70,000. To me the monetary payback is not worth being further in the hole! But maybe they do not have the “urgency” emergency that I have, maybe they will live 20 years longer?!?! No one knows… I just know that I have to make it out alive and be free before I die!
Hello, this is my end of September, beginning of October net worth update. Sorry that it is late. I have been sidetracked with various projects and current events but was determined to post. I might switch to a quarterly update in 2017. One reason for this is based on my decision to save up enough money to purchase a car in cash. I do not take out car loans and realize that I need to have enough money set aside to immediately purchase another car, if the need arises, since my current car has over 200,000 miles. So I guess you could say the savings is a type of emergency fund. Because a large portion of my income will be going towards saving for a car, I will be unable to place a significant portion of my income into my brokerage account. I am thinking that since I will be adding less money to my brokerage account there will be less changes to report in monthly updates.
I have decided to save for a car because I realize that I will need a new vehicle eventually. I would like to avoid buying a car but realize that this is not possible or realistic. A few weeks ago my current car needed a $600 repair and this was the catalyst that forced me to face the fact that I will need another vehicle someday and sooner rather than later.
And since I am considering quitting my job because of a forced, and completely unconstitutional, vaccine that will be forced upon us next fall at my place of work, I am attempting to save for major purchases with the income that I am earning now. I have been considering drastically lowering my work hours to 40 hours biweekly because my monthly bills are $570 and my dividend income is almost able to cover this amount. This is something I have been thinking about for almost a year but I am not quite yet ready nor am I ready to quit, quitting next year seems premature so I am still deciding. In the meantime I am saving for a car and working on a side hustle with ebay. I have sold a few things on ebay in the past but have decided to really go for it and see how much I can earn per month. I would like to pay my monthly bills with ebay money and continue to reinvest the dividends. I have almost finished prepping a spare room for ebay shipping. I bought a wireless printer, large table, mannequin, and shipping supplies.
These are some pictures I took about a week ago at a nearby park. It was such a beautiful fall evening, geese could be heard overhead, the air was warm, a nice breeze was blowing, the fall colors were lovely….
and then this bright object appeared in the sky at dusk.
Does anyone know what it is? It is too big to be an airplane…I learned something new that night.
And to top it off later that evening the moon appeared and was very bright.
“We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness…”
This may sound like an angry post, that is because I feel very passionate about the topic of forced vaccinations. I am not against vaccinations but FORCED vaccinations, refer to the quote above, taken from The Declaration of Independence.
When I look at these pictures I think of how beautiful they are. Having been taken, in September 2015, with an ordinary digital camera, and no other aids, they turned out quite good. You can see the effervescent glow produced by the sun’s rays as it reflects off the “super moon.” Starting at picture #1, you can observe the Earth’s shadow as it slowly encroaches upon the orbiting moon and creates the blood moon at picture #8. Picture #1 was taken at 2047 and picture #11 was taken at 0158. Picture #10 and #11 are the moon as it emerges from the Earth’s shadow.
As I sit here writing this I cannot help but think about the way in which my unalienable rights are being trampled upon. Having my rights taken away in this fashion has caused me to research daily the slow encroachment of the government into my daily life, more specifically, the CDC, BIG PHARMA, and the FDA!!!!
I know about them. I now know that the pharmaceutical industry is the richest of all US job sectors and that they are using this huge resource, (their money from OUR tax dollars) to lobby in Washington DC to get laws enacted that suit their agenda.
BIG Pharma’s agenda is to create a demand for their products. And just as coal companies pursue coal mines for their profit, and oil companies pursue oil wells, and fisherman pursue fish, the pharmaceutical companies pursue the human body and have claimed the human population as their own capital!!!
The pharmaceutical companies are pursuing this “untapped market”, the adult population, even more aggressively than ever by Forcing vaccinations upon us! If we the people do not stop the pharmaceutical companies now we will be destroyed by their products!!!!! By the year 2025 it is estimated that 1 in 2 children will have autism!!!
And they wrecked a potentially good thing. I had childhood vaccinations but decided not to take any additional vaccines after a bad experience with the hepatitis b vaccine. But I still had respect for vaccine makers because they served a good purpose by helping mankind in times of crisis, such as a malignant TB, flu, or Ebola pandemic, and I thought they realized this was intended their role. Greed has set in and their benevolent role has been eclipsed by their lust for money through the forced vaccination gold mine, specifically with the flu vaccine since it is being pushed to be a YEARLY VACCINE, from cradle to grave. In addition to the flu vaccine, companies like Pfizer have now pounced upon the irresistible revenue potential of vaccines and have developed there own vaccine schedule. I have lost respect for pharmaceutical companies and the family practitioners. They have ABUSED their power and influence on the citizens of this country.
My Philosophy
When I was in grade school I had the flu 2-3 times, once per year. I remember vividly one year arriving home from school on a Friday, immediately developing a horrible headache, overcome with the need to sleep, and being bedridden for a week with the flu.
I did not go to the hospital ER, it was the FLU. My mother monitored my temperature and we let the sickness run its course. I remember having chills, being unable to stand, sweating, horrible aches, and sleeping constantly. But it was the FLU. It was not fatal, it was the FLU. Nowadays, the flu is portrayed to be a death sentence and I do not think all the hype is an accident.
We are being brainwashed to fear catching the flu. It is a scare tactic used by the media, who is controlled by pharmaceutical companies, to sell their product the flu vaccine that is only 50-60% effective and half the time <50% effective. I have observed the flu virus grow into an increasingly dangerous threat year after year. I have witnessed the slow but steady push to get vaccinated, (but as least not forcefully!), bemused by this increasingly wimpy culture whipping itself into a frenzy over nothing; but I knew there was nothing to worry about, it was just the flu, and I believed I was protected from it by having it in my childhood.
I believe that I am currently protected from the flu because I HAD the FLU in grade school. Having the flu protected me by developing my immune system to be able to fight efficiently. I believe this because I have not had a severe flu since that time. Looking back over the years I may have had the flu, but it was very mild, lasting only one day.
This is my philosophy: the immune system is naturally crafted, from cradle to grave, by the antigens to which it is exposed. The introduction to vaccines might hinder this process by tampering with the immune system’s own growth process. A caterpillar must be left alone and not “helped”, when embarking upon the difficult process of emerging from its cocoon. If “helped”, its wings will not be able to form correctly and it will NEVER be able to fly. Our precious immune systems can be looked at in a similar way, they should not be “helped,” or they may never be strong enough to support us our entire lives.
Affects of my “unalienable rights being trampled upon”, on this blog
My life has been mildly turned upside down. I am having trouble sleeping and have lost some of my zest for life. I hoped to write a post during the month of August about my one year anniversary of paying cash for my townhouse and what it is like living here. I really like living in my townhouse. The previous owner decorated nicely and I wanted to show the way that three complimentary wall colors can make a living area warm and cozy.
But I do not want to write about the paint colors she chose. In fact I am trying to keep my happiness about living in my own paid for townhouse at bay because I fear that sometime in the near future I may be forced to leave my townhouse by either moving to another country or being forcefully removed and sent to a prison camp for being a “public health threat” by my choice not to take a forced vaccine.
This sounds very conspiratorial and I never took conspiracy theories seriously until Wednesday August 3, 2016 when I was told I would have to take a flu shot against my will or possibly lose my job. Because this happened to me I am able to personally understand having my “unalienable rights” trampled upon. These are the rights to Life, Liberty, and the Pursuit of Happiness.
Unalienable rights are rights given to us by our Creator, they form a protective shield around our human condition. The government has no right to trample upon these rights, they are God given. Because my autonomy has been disregarded I am fearful that one day government agents will be banging on my door to either give me my forced vaccine cocktail for “public safety”, or be kidnapped and taken to prison. This is happening because the government wants more control and the pharmaceutical companies see individuals simply as a “market.”
I will not be contributing to my 403b. If the government, who is controlled by pharmaceutical companies, can force United States citizens to take a vaccine, they can FORCE ANYTHING! I fear our 401ks and 403bs might be horrendously taxed, up to 70 or 80%. I do not trust the government have some control of my 403b and have reverted to contributing my savings to my brokerage account only.
Obama Care’s Role
OBAMA care must be abolished because Obama Care is being used to annihilate the middle class. Obama Care already costs the middle class a fortune, 70% of its cost is paid for by the middle class! There are also some very unconstitutional schemes associated with Obama Care such as The “National Adult Immunization Plan”, NAIP. NAIP is an Obama care scheme that will be used to “forcibly vaccinate all Americans and move toward a radical new healthcare paradigm in which medical “treatment” is delivered at gunpoint.” America must come out from under the shadow of this oppression!!!!!
Under Obama Care we will be banned from holding a job if we do not agree to forced vaccination. We will also be heavily fined. These fines will be allowed because vaccines will be propagandized as necessary to promote “public health” and “the good of society”. So I refused to be vaccinated I would not be able to work and the fine would completely wipe out my dividend investing retirement plan! This scenario is what keeps me up at night.
I am still grappling over whether or not to switch to mainly investing in my 403b. I do not make enough money to add $18,000 to my 403b and $2000.00 per month to my brokerage. Adding $2000.00 per month to my brokerage has created a nice increase in my portfolio value. By the end of the July my portfolio grew $7331.04 and my net worth increased $9988.21! This a nice increase for having only invested $2000.00 into my brokerage. I have smaller investments placed elsewhere but the $2000.00 is the main bulk.
So this is why I am hesitant to forgo adding the majority of my income to my brokerage. I have still not come to terms with my 403b and the “funds” that it offers. I prefer stocks over funds and believe that my brokerage and roth ira portfolio would grow much faster than the funds offered through my 403b.
My 403b is currently invested in a very conservative fund. More aggressive funds are offered but I have issues with some of the companies that comprise them. I have picky beliefs about certain practices such as animal testing and oil drilling. I find it difficult to invest in companies that involve themselves with these practices so I try to steer clear of them as much as possible.
There are only a small number of funds offered by my 403b retirement company so my choices are limited. I feel stuck. I would like to have more to choose from and do not understand why the offerings are limited. I would much rather invest in single stocks. To my surprise, my 403b retirement company offers single stock investing… but I would have to sign up with Charles Schwab… and pay more fees… so I do not know if it is worth my time. But I also do not know if I can just plunk my money down into a Vanguard index fund and forget it because my conscience fights me. So, at this point in time my 403b endeavor is still a work in progress.
I value the 403b because of the tax savings. At this present time, I need to give almost half of my paycheck to make the full 2016 $18,000 contribution. I will halfheartedly contribute 47% of my income to my 403b in the month of August but I do not expect to see the same type of returns as I would see in my portfolio, as long as the stock market does not crash, because it is not invested in an aggressive fund. I obviously need to research more…
These are some pictures that I took today. I value my Omega juicer because I can juice herbs like ginger. Ginger is one of my all time very most favorite things on the planet earth to juice. It is medicine. This juice is made of ginger, pink grapefruit, and granny smith apples.
I also value green medicinal herbs like the rosemary seen below. Having these herbs and juices on hand are true wealth to me because health is true wealth and these are the best medicine.
![2017-10-18_18.45.38[1]](https://weeklyinvestment.files.wordpress.com/2017/10/2017-10-18_18-45-381.jpg?w=611)
![20170930_173635[1]](https://weeklyinvestment.files.wordpress.com/2017/10/20170930_1736351.jpg?w=607&h=1083 "20170930_173635[1]")
![20160801_144501_Richtone(HDR)[1]](https://weeklyinvestment.files.wordpress.com/2016/08/20160801_144501_richtonehdr1.jpg?w=611)
![20160801_144716_Richtone(HDR)[1]](https://weeklyinvestment.files.wordpress.com/2016/08/20160801_144716_richtonehdr1.jpg?w=301&h=402 "20160801_144716_Richtone(HDR)[1]")
The Weekly Investment 