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Sign up for Robinhood with my link and we'll both pick our own gift stock
https://join.robinhood.com/jeremyc-5d904e
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I wrote in an earlier blog that I wouldn’t go into my whole portfolio here but I don’t mind writing about some of it.
Most of my stocks are boring blue-chip stocks with dividends but sometimes you need to have fun as long as it’s responsible. I didn’t just put money into some companies for fun. I researched my picks before investing and that’s how I found five winners and one not-winner.
NVIDIA: This may not be too unconventional right now but it seemed like a no-brain investment when I read about NVIDIA. This stock has done some wild stuff and it’s the most successful one by far.
WWE: I loved wrestling growing up and remember when WWE went public. I was 13 and couldn’t invest then but I always thought owning a part of this company would be cool. It’s also been one my best picks when it comes to ROI.
New York Times: I have a journalism degree and the NYT has been an inspiration forever. I’m surprised this wasn’t one of my first investments but better late than never. The Gray Lady has been a solid investment and it’s the gold standard of its industry. How could you go wrong?
DraftKings: I don’t gamble but people love to do it so I’ll cash in.
Seagen: This company is a biotech company that specializes in cancer treatments. I found this going down the Robinhood rabbit hole and it’s been a big winner for me. As much as I hate healthcare-for-profit, I’m glad I found this company,
Chargepoint: This one is by far the list’s biggest disappointment. I figured a company that builds EV charging stations would be a good investment with electric car sales on the rise but it’s got one of the lowest ROI in my portfolio. I had a lot of hope this would turn around but I might sell this one someday.
So that’s a quick look at my portfolio. As stated earlier, lots of my investments are in blue-chip companies and ETFs that pay dividends so I wanted to highlight my “fun” picks. Let’s see where these take me!
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The Lahaina fire is the worst fire in Hawaii history and the triple-digit death count is probably going to increase, even weeks later.
The destruction is still unfathomable to me. I only went to Lahaina one time before the fires and that was almost 20 years ago. I still remember the whaling memorabilia and the sites important to Hawaiian history and of course the banyan tree.
It’s weird to think almost an entire town in Hawaii was destroyed overnight. The human cost is unreal unless you lived through it. But there’s one silver lining and that’s the people of Hawaii (the true locals) will band together and make things right.
I barely remember anything about Hurricane Iniki but I do know Kauai came together to help each other, especially the elderly. Maui will see the same. Sure there will be some transplants who whine about everything but, like I said, TRUE locals will cooperate and help each other.
HECO is getting sued right now and the story from Lahaina locals is a downed power line caused flames the hurricane fanned. The bigger story is Lahaina used to be a wetland because sugar barons rerouted Hawaiians’ water but that’s a whole other kettle of fish.
I hope Maui County takes HECO to the cleaners because the monopoly needs to pay for its sins. I am also thankful to any and every higher power that BJ Penn is not governor right now.
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If you read my last post, I said I’d write about my foray into investing.
Let me start by saying I know I started later than I should’ve. I’m only in my late 30s but that’s old in investing years. Life threw me some curveballs and that set me back more than I realized at the time. No excuses, no sour grapes, just facts.
Anyway, I finally downloaded Robinhood and got my first free stock. For transparency’s sake, I chose Berkshire Hathaway. Maybe I should’ve picked a dividend-paying stock (and tap into the power of compound interest) but I wanted to own a piece of Warren Buffett’s company.
The first company I actually purchased shares in was Automatic Data Processing. They’ve done payroll for almost every company I’ve worked at and I saw their name come up a lot.
I won’t go into my whole portfolio now but it’s not major money. If you combine the amount invested in my brokerage and in the IRA, it’s under $500. I know that is measly money by most investing standards but you have to start somewhere.
My strategy has been investing a couple bucks in reputable companies and see which horses I should still back. When I say a couple bucks I mean just $2 sometimes. I know that may seem silly but it’s how I learn.
That said, I’ve only sold two stocks. The first was Tesla because Elon Musk is an emperor with less and less clothes (and also a racist nepo baby who sells death traps). The second was Hawaiian Electric for reasons too long and too sad to not have its own post in the future but tl; dr: the Lahaina fire is probably their fault.
Most of my stocks are is buying shares of reputable, well-known companies that pay good dividends. I also have money in several ETFs (Invesco QQQ is one). There are a few companies though I threw money into just for fun that turned out to be surprisingly successful.
That will be the subject of my next blog.
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Circumstances out of my control recently cratered my credit score. Long story short: I had a few grand of debt (in unauthorized purchases) discharged. I’m trying to rebuild later in life than I would’ve wanted but luckily, I’ve learned a few things from past mistakes.
The first thing I did was apply for a secured credit card with a $500 limit, backed up by cash deposits. If you’re trying to rebuild credit, $500 may be a lot of money. Some places will go as low as $300. If you use Self, there’s a way to get a $100 credit card limit but there’s an annual fee of $25.
My secured card was unused for a while, maybe a fiscal quarter. Then I remembered some usage is better than none at all because paying off something every month better proves you’re responsible. If you don’t use it at all, there’s no behavior to analyze.
Then I started using my secured card to pay for laundry. My building has washers and dryers with a swipe option and charges less than $2 per use. I figured that was the perfect use of this card. I use it every week so there’s always usage and the charges are so small that my utilization rate will be low.
After just a couple months of this laundry, I got my first piece of credit card junk mail in a while. It may seem silly but that’s a good sign. It meant my credit was improving enough that a company pre-approved me. The best part was there’s no annual fee so of course I signed up.
I’ll end things there for now but for transparency on this post, I want to point out some things. The first is I live with my parents (rent-free!) in a very expensive city so that helps immensely with my finances. The second is I work retail full-time. I don’t make tons of money (hence the name of this blog) but I do have decent benefits: medical, vision, and dental—all with copays.
Thanks for reading, next time: how I started investing!
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Hello everyone,
I don’t have a lot of money and, due to circumstances beyond my control, my credit score is mediocre.
However, I’m currently in the process of improving both situations. I’m lucky enough to live with my parents so many expenses are taken care of so take my posts with that grain of salt.
The TL; DR version of this blog is I have a secured credit card and Self to help my credit score and I use Robinhood (Gold) to invest in small increments.
I’ll get into detail in future posts but I’ll leave you wanting more.
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