Here goes 2010. many ups and downs this year, just like roller coaster. Really challenge my patient. At the end of the end, my portfolio drop from +19% in 2009 to +13% in 2010, and total invested increase is only 7k.
With HBC, GE, MFC and WFC, I added AIA, JNJ, and KFT. just pull down more the ratio of HBC to 70%. Once again, I see myself putting most of the investment on financial sector, so I'm planning to add KO into my portfolio if there is a chance and look for other stock which gives decent dividend, should add more later. Stock market seems to going up for 2011, big drop may not happen in anytime, may be I will just hold the cash and wait in 2011.
Plan on basic emergency fund is just a fail in 2010, so I setup direct deposit to force myself putting money on it. Annual budget become even tighter. I only have $300 wreckless spending for 2011. I'm not sure if this is good, but it will be a tough year for me. Car payment still have 15 months to go. I think Roth IRA should be unrealistic in 2011. Totally feeling there is no way for me to turn around this year.
Holding my breath to rush through 2011.
Tuesday, January 4, 2011
Wednesday, June 16, 2010
Sunday, January 24, 2010
Wednesday, January 6, 2010
new vision
so light, so expensive, i'm paying more for less...
fell in love with it when i put it on, looked at the price tag, shiiiiiiittttt....
plus encouragement of GOOD friends, i went back next day and paid the money. my wallet is as light as the glasses now...
please, don't make me becoming brands' slave...
Monday, January 4, 2010
new pens
setup a hk drama system for mom, get rid of the wiring seems to be a must. using my retired pc as prototype, with the new wireless keyboard and mouse, outcome is not bad at all. I can now watch other videos on living room, too.
final goal is to have a mac mini, supporting 16:9 screen and able to go online. slowly upgrading...
Thursday, December 31, 2009
Investment Summary 2009
It has been a dramatic year, my portfolio raise from -21% in 2008 to 19% in 2009.
Besides HBC, I added GE, MFC and WFC, just want to pull down more the ratio of HBC to about 30-40%(currently 86%). In addition, I see myself putting most of the investment on financial sector, therefore I put JNJ and KFT into my watch list, should add more later.
Other than stock, I think I should consider widen my basic emergency fund. Budget is reducing due to the rise of my monthly spending(i love my new toy) and family pressure. Also want to add Roth IRA into my low risk investment. Half of my annual budget will probably gone for them.
How can I live good and not spending seems to become my biggest practice and concern in 2010. Cheers
Besides HBC, I added GE, MFC and WFC, just want to pull down more the ratio of HBC to about 30-40%(currently 86%). In addition, I see myself putting most of the investment on financial sector, therefore I put JNJ and KFT into my watch list, should add more later.
Other than stock, I think I should consider widen my basic emergency fund. Budget is reducing due to the rise of my monthly spending(i love my new toy) and family pressure. Also want to add Roth IRA into my low risk investment. Half of my annual budget will probably gone for them.
How can I live good and not spending seems to become my biggest practice and concern in 2010. Cheers
Wednesday, December 30, 2009
變幻原是永恆
don't tell me about religions or god, the only eternity is change...
I will happy to see things around change to good side, cry out loud when change to bad side, and that's just life, it's moving forward...
but i'm sure i don't feel comfortable about rapid changes now, love you all...
I will happy to see things around change to good side, cry out loud when change to bad side, and that's just life, it's moving forward...
but i'm sure i don't feel comfortable about rapid changes now, love you all...
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