State of My Securities: April

Looks about right.

So this is my inaugural State of My Securities post for Pecuniary Ruminations. As stated before, I've started playing around in the Robinhood app in January, and have lit a ton of money on fire learned a lot about companies, equitites, dividends, and all sorts of things that make me happy that I'm starting to look into this stuff now rather than later into my life.

This post is meant to be short, because if I were to write about each security listed at length, not only would that post be way too long, I don't have time to fully research each and every single company in one sitting. I'll just be stating what I hold, and how I'm doing in the one month, three month, and twelve month time periods in terms of gains/losses.

Damned winking cat.

The Portfolio

Disclaimer: This is not in any way a solicitation to invest in any of the securities listed in this post, or to invest at all. I am doing this for entertainment purposes, as a means to express my own opinions. I have no business relationship with any of the companies mentioned in the post. There is always risk involved with investment. Please do your Due Diligence before investing in anything.

I have small positions (1-250 shares) in the following securities:

1. Biostage, Inc. (Nasdaq:BSTG)
2. Net Element Inc. (Nasdaq:NETE)
3. The Coca-Cola Co. (NYSE:KO)
4.  Hawaiian Electric Industries (NYSE:HE)
5. Bank of Hawaii Corp. (NYSE:BOH)
6. New York Managment Trust, Inc. (Nasdaq:NYMT)
7. UBS ETRACS Monthly Pay 2xLeveraged mREIT ETN (NYSEARCA:MORL)

Currently, I'm down 4.72% over the past 3 months, and -3.44% over the past year. This month, I took an 8.64% hit, due to some gains made in late March that promptly plummeted at the beginning of April due to a bad purchase.

As I find time to do it, I'll do some extra due diligence and post about the securities that really excite me from my portfolio list.

Future Plans

As I am currently in the process of building up my dividend-spawning collection as well as companies I like a lot, I am interested and will likely buy into the following securities in the next two weeks or so, after doing some due diligence (and posting my findings here!):

1. Armour Residential REIT, Inc. (NYSE:ARR)
2. Cornerstone Strategic Value Fund, Inc. (NYSEMKT:CLM)
3. Square, Inc. (NYSE:SQ)
4. Ford Motor Co. (NYSE:F)

I'm aiming to get out of the following once major gains are realized:

1. BSTG
2. NETE

State of the Cash: April

This is the inaugural net-worth/money accounts post, detailing the starting values that I'll be using to cover my net worth as I go through this journey to healthy finances. I hope that as I gather more and more data, these posts will become more and more detailed.

I will have a different post to detail the state of my stock portfolio (small that it is), because as I've written previously I find all of this personal finance stuff fascinating.

I am using You Need A Budget v4 for my major budgeting software. It's incredibly powerful, and I'll write a post about it in the near future. 

Net Worth

Net worth graph, pre-KawaiiKon (April 5)

Here is an initial graph, taken on payday (April 5th). I've got reasonably low debt, and fairly high liquid cash for movement. I only started accruing debt in February when I got my first credit card (Discover it). This screenshot was taken prior to my vacation later that week.

I went on my vacation, paid off a major portion of my bills, and as such, my month's net worth has as expected -- dropped:

Current Net worth graph, post-KawaiiKon (April 16)

As you can see, my assets have been trending downward, but my standing debt has also been trending downward. I have one more small paycheck to look forward to this month (April 20), and will be paying down more debt, as well as make my monthly Student Loan payment. This will probably make my net worth drop a little bit more, but will even out as the last of the vacation expenses get paid off.

Balance Sheet

As of April 16, 2016:

• Cash in accounts minus Stocks: $1319.87
• Debts in all non-Student Loan accounts $552.07
• Current Student Loan debt: $25,898.17