BennyEast.Com/Blog The official blog of Kenny West


Dollar Cost Surfing (Meow)

So it's interesting... Basically, and I didn't even realize it...

I'm dollar cost averaging with my active trading... Well, it's more like share cost averaging... Since I'm buying a fixed number of shares with each transaction while the price changes... But for all intents and purposes it's kind of like dollar cost averaging... So, for the sake of "put it in plain English" terms... I'll just call it dollar cost averaging.

I mean, if you call it "active".

Today I did nothing.

I had work today.

But besides, there was nothing to do.

Sometimes you just gotta wait out the game.

So I'm about to use some of my income from Reality Income Corp to purchase my next dividend champ stock.

My plan, as I've mentioned before, but a quick 1 paragraph recap, is to go from less risk, to more risk, in layers.

I'm active trading Reality Income Corp, or "active" trading it.  Meaning, I trade whenever I feel like it.  And when I don't... Or don't have time... I just sit and hold, and cash out the dividend from my shares that I have sitting in the stock.

Right now I have 3 lots of 100 shares.  I go in, and out... I make money from the bumps and dips... But, I also make money from dividend checks.

Both  of those income sources go into my permanent holdings.

And those dividends go into my layer 3 holdings, All Time High stocks... and things like GBTC.

And THOSE holdings will go into venture capitalist startups.

Who knows, I might start a cat related investment fund... Would that make me a VENTURE CAT-ITALIST?




Anyway, dollar cost surfing...

So, basically basic investing has this thing called Dollar Cost Averaging.

Here's how it works:


So, what I do... Is I surf... Dollar costing.

The price of Realty Income Corp goes up and down through out the day/week/month/year.

I buy shares, in what looks like a dip against a longer term up trend.

If I'm right, I take the profit, and do it all over again.

But I don't just do it once... I do it with lots of 100 share trades.

Now... I do get it wrong... I'm in with 300 shares right now that are technically at what's called an unrealized gain.

If I were to sell those shares tomorrow, I'd have lost money.

If  hold the shares... And hold them through Jan 1st.... I'll get 63 dollars on Jan 15th.

No matter what the price of the shares does, I get that money.

I then use that money to put into new investments.... Or pay taxes.

Or buy my cats treats.


Now, if the price drops more... I hold my existing shares, and try to catch another bottom.  Now I'm holding 400 shares.

If I'm right, I get back out.  Back to 300.

If I'm wrong, I hold my 400, and get in with another 100 later on down the road.

If I hold 400 shares then on Feb 1st I get 4 X 21 shares... Or 84 dollars in income...

That goes on to my layer 2 level of investments...

Okay, so lets say the price pops up by a few dollars... I get back out on all my shares and take the gain... now I'm back to zero holdings... I sold all 400.

The price starts to drop again... I dollar cost average back in.

As the price drops... I buy 100 shares again... If it goes up, I take my gain.  If it goes down, I dollar cost average again... Price drops again... I go in again.






Now I'm getting 210 dollars a month in income if I'm in on 1000 shares.

Okay, so let's say I don't get a return level in price?

That's fair.  It could happen.

Now, let's go back a second, without this dollar cost averaging process... If I had spotted a bottom, which turned out not to be a bottom... and the price continued lower... and I had gone in with 1000 shares.

I would be locked in.

Yes, I would be still getting my 21 cents per share per month income...

But, depending on how far the price had fallen (unrealized loss)... I have pretty much no option but to wait it out...

Let's say I wait it out... Could be years... Or never.  Who knows?

NOW... Let's say, that I had dollar cost averages it... 10 lots of 100 shares.

The price kept going lower.

One of my share holdings is only at a small loss, the newest one purchased.... Whereas the older one, is at a much bigger loss.

They are all paying me 21 dollars per month per 100 shares in income.

Let's say, I need the money for something.

I now have options to hedge against my loss.  I can sell the most recent purchase at a loss.

Let me explain something first... SO my share purchases will be capped at 1000 shares.

I won't risk any more than that.  SO if the price keeps going down, I'll stop at 1000 shares.

No more capital will be risked.

Like wise, depending on how much is falls, the purchasing slows.

So here's an example...

If the stock is at 55 dollars a share and I buy 100 shares...

I'll buy shares again at 54.

But, if it keeps going... I won't buy again until 52.

My next buy is 50.

Now, I probably won't buy until 46 now.

If it keeps going down, I may not buy until 40





That's an extreme example.

If the share price fell 50 percent... I'd probably stop this process and find something else to trade.


The point is... It has to fall further each time to trigger another buy... This brings the dollar cost averaging down.

Now, let's say the price hit 54 dollars a share, I had both at 56 and 55 and 54... Let's say it sky rockets up to 60 all of a sudden.

This triggers a sell.

Now it goes back down slowly... I ease back in.

Realty Income Corp pays a monthly dividend and the date of record for share holders is the last day of the month, usually.

SO, even if I'm dead wrong... I still cash out that money... and it goes to layer 2 of my stock holdings.

Okay, so let's say the stock isn't moving much... Let's say it's just meandering... and I'm stuck holding, let's say I'm at my cap of 1000 shares.

Now, what I can do is sell one of those 100 share lots to try and active trade again.

In order to do that I will HAVE to take a loss, I have no choice.

But I can hedge against that loss... As long as you are in the green more than in the red, all is not sour.

How can I do that?

Remember I'm holding 1000 shares that pay me 210 dollars a month in income.

But also remember that I'm active trading/dollar cost surfing.

I can play it two ways...

I can use my previous gains to balance out this loss to unlock 100 shares to start trading again.

Or, I can just wait.

Eventually, after a few months, the income from the shares will cover the loss, and then I can unlock my newest shares at the lowest loss and start trading again.

Dollar cost average in.... hedge out.

And I can use the loss as a tax write off against my other holdings.

I've lost no money in actuality... And then maybe I start trading again with that 100 share lot of shares and I make a little more...

The key to it all though, is the dollar cost lots of 100 shares.

If I had just gotten in one time with 1000 shares... If it went UP, everything is beautiful.

But it goes down?

I have ways to free up capital.

Dollar cost averaging is pointless if you know the stock is going to appreciate in value 100 percent...

The problem with any investment though is... nothing is 100 percent.

So, it's a hedge against a scenario where the stock goes down in value.

Dollar surfing combined with monthly incomes gives me the ability to create a cashflow to fund secondary levels of investments.

Active trades make money off of dips and pops of the stock price in the short term... Dollar cost averaging lets me get out of mistakes easier, and dividend income is a further hedge against further possible losses.

Filed under: Stuffs No Comments

Another 100

Today I bought another 100 shares in Realty Income Corp.

So right now, I'm holding 300 shares and on the 15th of the month I'll get a payment from those shares.

This is pretty much how many shares I SHOULD have bought a couple years ago in GBTC (Bitcoin Investment Trust).  One of my friends was like "DUDE... BUY IT!  BITCOIN!"

I was like... It doesn't pay dividends.

Same with Amazon shares.

I know, I'm probably the dumbest investor alive.  But I like my income.  Yes I could create income by periodically selling off shares.

We won't talk about selling covered call options... Which is another way to create income.

My thing is... I don't want to sell my shares.  I'm also not a fan of wild speculation... Or companies that just do all kinds of crazy things to make money.

I guess I'm like a turtle.  I like slow and calculated.

It's probably the complete opposite of most people that actually run hedge funds.

I'm not a gambler I guess.

I want to own.  And then draw income from ownership.

Who knows, maybe in the future it will all just be Bitcoin and Amazon.  It's possible.

I could be totally wrong with my REITs.

I could be totally wrong with rent.

Everything might just be delivered to your house...

There is one small thing about physical common spaces.

If everyone wanted everything delivered to their house...

The home gyms of the 90s would have taken over already.

Maybe I'm wrong.

What's the deal with these Hand and Stone Massage places?

Amazon can just deliver to your house... Why are people going out in public to get their backs rubbed?

Nail salons.

Yoga studios.


Take home beer has been a thing FOREVER...

Now there's breweries on every corner and people can't get enough of going out to them.

All these places pay rent.

Doesn't matter to me if you pay your rent in dollars, or Bitcoin.  You're still paying rent.

There's a whole musical about it.


Even Amazon pays rent.

Amazon is king... But Sears was king at one point many years ago.


I'm a fan of commercial multi use properties that aren't retail in the traditional sense.

I like services, instead of goods.

Photography studios.

Day spas.

Cross fit gyms.


Beer bars.

Wine bars.

Hookah bars.

Hair salons.

There's a reason why they call it stir crazy.

Being at home is only enjoyable for so long...  And the park eventually gets boring.

Commercial real estate probably isn't going to be changing any time soon... Until we get sucked into The Matrix or something...

But for now, sure, you can order that fancy shiny new gadgitamathingamabob from Amazon and have it delivered...

But when it comes down to it and you just want to meet a friend for a coffee date...

The physical world, still applies.

Because drinking digital coffee and skyping just ain't the same.

Also, I don't know about any of you, but I was recently at the Cherry Hill Mall in NJ and they have valet parking service now for the restaurants around the mall... and let me tell you, it was PACKED... Someone forgot to tell that mall that malls are dying.

I mean, also, when was the last time that you had Amazon deliver you a mini golf game with friends or family?

Anyway, so, sure I could have made a killing off bitcoin like a lot of people have...

But for now I just feel like I'd rather get into owning income generating assets.

Eventually I'd like to expand my rent footprint and buy more things that collect rent from people.  Price appreciation and speculation has its place.

But, I don't know.... I just like rent.  I like the flow of money each month.  Steady payments.  Month, after month, after month...

I don't really like the whole... "OH MY GOD LOOK AT IT GO UP!!!!  IT'S GOING UP SO FAST!!!!!  It's UP SOOOO HIGH!!!! Annnnnnd look at it come back down... Awww man.  I was rich for like a day.  Damn it."

Filed under: Stuffs No Comments

So Much Junk!

I don't get it.  I mean, I literally throw out one thing a week pretty much.

I feel like there's even MORE stuff in this house than there was before.

It's crazy.  In the last 6 months I've legitimately trashed, or donated like, one thing a week.  That would be 26 items... I've actually done, on average, 2 to 3 things, so I'm really at 75 different items.

An old walker, couch cushions torn apart by cats, old gas and paint cans and car things from the garage, the old lawn mower (two of them) and weedwacker, broken space heaters (two of them)...

And a bunch of other things.  Old shampoo... Sauce packets that my mom kept, like hundreds of them...

But it's just like the MORE I throw out... the more there seems to be!

I really need to go to home depot and buy another storage unit.  Ideally I want to use the basement as a staging area and then re-do rooms in the house.

I'm considering buying a small house somewhere just to use as storage.

What I'd do is rent out one of the rooms to cover costs, and then put a padlock on another room and just use that as a storage unit.  I wouldn't go rent a real storage unit because then you're just throwing money away.

If I buy a small house and rent it out, it's a physical asset that I can sell at a later date... And not only do I get storage space, I also get income.

My biggest problem with renting is... I hate people.  No offense... I don't hate ALL people.  I just hate those people that try to take advantage of other people.

So, for example, if I rent it to someone and they pay first and last month security, and pass background check, and pay rent, and don't put holes in the walls...

That's someone I like.

If they move in.  Stop paying rent.  Refuse to leave.  Break a bunch of stuff when I try to kick them out... Do drugs in the house, threaten my life...

Etc. etc.

I don't want to have to deal with that kind of person.

I feel like in the rental game, you probably have those people.


They just exist.  It's a fact of life.

This is why I'd rather possibly, buy the property, then have a management company handle everything for me... THEN use that income check to pay for space at a storage company.

Buy shares in the storage company so I get the dividend.

I don't know.

Seems like a lot of effort to avoid accidentally renting to deadbeats.

I imagine this is how women probably feel about online dating.

You want something good... But you have to deal with the possibility that you might end up encountering a deadbeat.

If only there were a way to just NOT have deadbeats in the world.  Just round them all up... Send them to some kind of finishing school so they can learn to be productive and decent members of society... Instead.

Who knows... I don't.


All I REALLY want to do is deal with this junk.

I was thinking a possibly better way to do it would be to buy shares in a REIT that rents out apartments, or houses... Then use the income from that to rent storage.

OR, use that income to pay for taxes on a house, and maintenance and what not...

And then just own the house and use it for storage.

That way, I don't have to rent to anyone.

And then every now and then I could AirBNB it or something.

Again though... You might end up dealing with that person who tries to take advantage of you.

See, it always comes back to that person who might screw you over.

There should just be a national reporting database for people who are unscrupulous and you can cross check them against that database.

What makes one person have morals and ethics and manners, and another... Have a complete lack of them?

I've always wondered that.

I guess that's just the way of the world... Some are good people, and some... Break things, kill people, do drugs... Who knows.

Anyway... SO I'm working on a better way to deal with all the junk in this house.  I just keep doing one item at a time.

Right now I'm still cutting up this carpet.  It's slow going, but I'm getting it in pieces.

Next I need to get rid of this super old big CRT TV.  I need like a e-waste recycling service or something.

Although, my boss offered to come over with his truck and we'd load it in that and then carry it into work and put it with the work e-waste...

I don't like to mix business and personal though, that's my thing.

I like to keep work at work and my personal stuff at my personal stuff.

I think that's my thing with that.

I just think it's weird when work and personal things overlap.  It feels like those two environments should always stay completely separate.

I don't know why, it just does.

Anyway, so... Hopefully I'll start to see more space around the house and then I can buy my drumset and work on my music area and my "study" area.

And then get some new furniture too like a nice couch to be able to lounge on and watch netflix.

The problem right now is this one cat just poops everywhere and another pukes.  SO if I buy a couch, within a week it would have stains all over it and they would claw it up...

I can't even use the current one because it's not even a couch it's a futon but it's all gross and nasty.

I don't know, maybe I'll buy a second house that can be my non-cat house, with nicer things, and then I'll have this house that is just full of junk and cats.

I mean, those two cats ARE like 15/16 years old, so I suppose in the next few years... Things will just resolve themselves if you know what I mean.  Cats have an average lifespan... So eventually, things will work themselves out.  That sounds mean... But I'm just saying... I want a nice couch, and I can't have one because of the cats.

Annoying.  Haha... Eh oh well.

Right now I'm not buying new stuff anyway, I'm in the process of clearing out.

Out with the old, not yet in with the new.

Filed under: Stuffs No Comments

Weekend Edition: All The Blogposts

Most of the blog posts I think of never get written.

For every blog I write, I'll generally have 4 other blog posts pop into my mind.

It makes me kind of hate what I write.

But why?  You ask...


That's easy to answer.

Because, a lot of the times the posts I actually end up writing, aren't what I really want to say.  I mean, they are what I mean to say in a way, but I feel like it could be said better!

OR, alternatively... The post I decided to go with could be more on the negative side when I should have chosen something stupid or positive to post about.

It's kind of like there's always two things happening, the good thing, and the bad things...

Most news you read is about bad things... But most social media that we read is good things.

People tend to just keep bad news things on the low down and tell the world about good things.

There's a lot going on in my mind at all times.

Most people have a lot going on in their mind, and sometimes when you let things flow... You don't get the most coherent string of words that you exactly wanted to put down in that exact way.

But you don't get just that finely filtered "Oh that's fantastic news!" result that everyone seems to do.

It happens a lot of dinner party and holiday party things...

Very few people will just tell you like it is.  My mom was an exception to that rule.  She would say anything and everything instead of how most people put on that filter and only talk about the good things or things that are happy go lucky and are just general chatter.

How's the weather out there!

How about that unrelated sporting event?

I try to keep my blog more raw...

It probably makes me sound crazy to the people that read it.  But, I do sometimes just write things and then delete it all, and then write something else.

It happens to me a lot.  I write out posts, then delete them.  Write out new ones.


My thing is though...

A) Why be fake and filter everything to be all roses and sunshine all the time?

Life isn't roses and sunshine the time.

B) Why should I sit here caring what people who read my blog might think of me?  Just be me... And if people get all uppity about it... Then hey, that's at least the real me instead of a fake me.


I just think it's better to say things like they are.  Be honest.  Be open.  Be real.  Ramble on my friends.

The thing is, I just have TOO much to say... So... I have to pick and choose what to write about!

Sometimes I write stream of consciousness thoughts and sometimes it doesn't make sense.  And sometimes it's witty banter, and sometimes it's not.  As that one phrase goes, it is what it is what it isn't.

So there you have it!  Behind the scenes on my blog.





Filed under: Stuffs No Comments


So, I'm 35, and still single.  A lot of my friends and peers are married and have kids and what not.

You know, it's not the worst thing being single at 35.  I mean... I'm pretty free to do my own thing.

Like, supposing I really wanted to... I could just legitimately sell everything I own and find a new home for my cats and turtle, and just go backpack Europe.

There's really nothing to stop me.

I don't have kids.  I'm single.

I guess even if I backpacked,  I could take the cats and turtle with me.  Have a little stowaway carrying cargo container for them.

I mean, yes, in the long run, I plan to end up somewhere new...

Right now what's stopping me is that I'm building my indie salary.  I just don't want to have to worry about a paycheck in the future.  An indie salary means I can move ANYWHERE I want, and I don't have to worry about how I'm going to afford life.

Life pays for itself.

Anyway... I mean, sure, one can always interview and find jobs... But I know SO many friends who moved somewhere new, and they couldn't find work.  Portland, for example.  I know a good 5 people who ALL moved to Portland Oregon... And they went several months with no job.

No health insurance.

No pay check.

Savings dwindling.

To me?  That's just not a smart way to do it.

My mom would never of approved.

My grandparents wouldn't have either.

That's how I look at life... Would those you looked up to have approved?

My mom was very big on the idea that you don't leap before you look.

You need to be responsible.

Find a job, and a living space first... Then move.

People who just move, without a care in the world... It's irresponsible.  I mean, sure it works out for some people!  But for others... They end up depleting their savings... possibly almost on the street.

No health insurance, no job... Running out of food in the fridge.

Nope.  Not for me.  No thanks.

Anyway, so right now I'm still building my insurance policy.  I'm making sure that I have a steady flow of money that is more than what life costs me.

That's my goal.

I like to look FAR ahead before any leaps.

Anyway, so one of my potential leaps, might include Nashville.

I keep meeting people who are from there, or have visited there, I even have a friend who lives there now.

They say it's just a totally different vibe.  Artsy, laid back, interesting...

I mean, yes, I'm not the biggest country music fan, so that's a problem... But, aside from that...

It seems like a cool place.

Austin Texas seems pretty cool too.

I don't know yet, honestly... I just know that right now I'm in the look phase, and not the leap phase.

I'm just working on detaching my physical and logical layers and making it easier for me to be anywhere in the world instead of fixed.

Basically most people are fixed to their living space and their working space.

It's a lot like a computer operating system and the hardware.

Most people have a physical computer, and it has an OS on it... Like windows, more Mac.

But there's also virtual OSes... The idea that things can be portable.  That the logical layer, or the software, isn't fixed to any one piece of hardware.

Docker basically has this solved, by creating something called containers.

Containers can basically run on any hardware, and it's the same everywhere.

That's how I want my life.  I want to be not fixed to any physical space or place.

Two things are need to achieve that...

First, an income that is self sustainable and self generate-able.

That's what owning shares in companies does.

Today, I got 3 dividends that totaled about 30 dollars in cash income.

I'll have to pay taxes on that income net year, but it's fine.

The point is, that money came in, and it now can be used.

It's geographically independent.  That means, I could live in any state, or any country... and I would still make that money.

Just need to keep boosting the amount.

Or, heck, even do nothing and let the companies boost it for me.

Second thing is, I need physical space mobility.

There's a few ways to do this, one way I plan to do this is... Just like how there's a LOT of McDonalds all around the world.

So, right now I own a house.  My next plan is to buy another house.

Then I'll rent that house out.

That will now add to my income stream.

I'll then use that to buy a 3rd house.  Rent that out.  Buy a 4th... a 5th... 6th... 7th... 10th... 20th...

Now, it's a LOT of work renting out houses.

So, I'm willing to sacrifice money made to let a company handle it for me.

But why?

So, my plan with owning lots of houses or condos around the country, and eventually around the world, is that...

I can move anywhere I want.

I wait for a lease to terminate, and don't sign a new one.  Then, I'll go live there.

Then I'll live there until I am notified that a lease hasn't been renewed at another property I own...

Annnnd I move there.

Basically anywhere that my property is currently un rented... I'll move there.

But what I might also do is just buy property in places I want to live, and then when I do move somewhere new... I rent it out.

Those rental income streams along with the stock dividends just follow me.  That money just keeps coming back to me...

And I don't have to physically be in an area of the world.  I don't have to make sure I have a job first before I move to that area.

I just find a house or condo I like, buy it, and live in it... Do whatever strikes my fancy, and when I move to a new area...

That old area now becomes a new income stream.

It will be easier to explain when I actually start doing it.

I mean, I already am doing it.  I'm getting income now from my stock holdings.  That just keeps coming.

It will make more sense as it starts to happen and I start to scale it up.

I think my plan is to hold one dividend paying stock for every physical property I own.

Buy another condo or house, buy another stock.

Get bored with that city or location...

Buy another house or condo, buy another dividend paying stock.

Etc. etc.

A lot of people basically have told me it's a stupid idea...

Most of those people are married or in relationships.  They're starting plant roots.

I have no roots to plant.

I guess that's what happens when you are single.

You just kind of go with the wind.

My thing is, yes, this will take a while to get going, but once it gets going, there will be no stoping it.

And then as I age more and more... Instead of it being my focus to find work and worry about a paycheck...

I can just relax, and know that everything is paying for itself and that as time goes buy, the income coming in actually allows me to buy even more, which in turn produces even more income and further diversifies my holdings...

So should 1 or 2 or 5 or 10 of those investments or properties stop producing income... I don't care... Because I just keep diversifying more and more in this positive income feedback loop.

Live small, and live under my means...

And let the income keep building...

My main goal in the future is to know that I won't have to go to bed worried about paying bills or money, or where I'm going to live next...

I just get stressed with all that.

I just want to be able to go to bed in a big comfy bed, with comfy PJs, in clean sheets and a big quilt...

And know that I have so much money coming in from so many different sources that when I wake up the next morning...

My mind will be so rested that I can sit out on the back deck with my morning coffee and breath a big sigh of relief as I log into my investments and see that I have so much cashflow that I can book a flight that day to Nashville on a whim...

And stay the night at one of my condos.  And go out and get a beer.

And then come back home...

And know that I didn't even touch the money coming in.  Didn't even come close.

And that the next day, there will be even more.

And the day after... Even more.

So I'll never have to worry ever again about where my next anything will come from... Next meal, next pay check... Just pure relaxation...

If I wanted to, I could just sleep by a pool all day.

Know that my investments and rental properties are taking care of themselves.


That's my longterm plan.

That's my Nashville plan.

Filed under: Stuffs No Comments

State your bizzzzness

So, I got a weird call today from this dude named Roger... Now, he either said... Le Fose... Or The Post.

He wants me to call him back.

Generally... I'm not much of a phone talker.

I like written communication.

When things are in writing, lawyers can review them later on down the road.

It's better that way.

Life would just be better if we all had lawyers that reviewed everything we typed.

Cost prohibitive though.

Anyway... My thing is, if you're going to call someone, leave a voicemail... So, he did that.  A lot of people won't even leave voicemails!  It's crazy.  Leave a voicemail.  Now, for the voicemail... First you want to give your contact info... So, your name, and return number.

The next thing you want to do is a quick statement of your intent...  His message just said... Call me back!  I'm probably not going to call him back.

Here's the thing.  It's a crazy world we live in these days.  To me?  Everyone I meet, heck, even people I've known my whole life, are a threat to me, until deemed otherwise.

Trust no one.

I don't trust even my own family.  Who knows what anyone's intent is.

I consider you armed, dangerous, and malicious... Until you prove beyond a doubt that you aren't.

And even then... I still probably consider you to have only your personal interests in mind, and I consider you a threat.

Trust no one.

I don't even trust my own cats.  They're always chewing on stuff, and pooping and puking places.  Running a muck.

So, if I have something important, I don't leave it in the open, it could end up covered in teeth marks and cat hair and hairball puke all over it.

Anyway, so when people call people, they should always state their intent over the phone.  Are you calling me to try and scam me?  Are you calling me for a sound bite to then manipulate and make it seem like I said something I didn't?

Or are you a decent person, with good intentions?

You need to state exactly what your business is and why you're calling.  You're better off writing an email, or texting.

I'll review it, and get back to you when I feel comfortable.

I don't like when people put time limits or pressure on things.  That's a red flag for me.

I basically just look at everything people do as possible red flags.

You never know.  People are crazy.  Consider them all thieves, hackers, armed and dangerous, or just plain old mean....

Until proven otherwise.

Or, worst of all, they could be sales people.  Sales people are the worst.

You pretend to be a genuine friend... And then you're like... SOOOOOOO my friend... Would you like to switch your energy provider to this new wind company???


Hello?  Sir, are you still there?

*Telephone off the hook sound*

I thought we were friends.

Filed under: Stuffs No Comments

Red Carpet

So, last night I went to Science After Hours... Hollywood theme.

It was a ton of fun!  I got to speak with a couple of people who do things here in Philly related to the industry.

My thing is, I would LOVE to change jobs and work in Hollywood.  Like, make movies, and TV shows.

But, there are bills to pay.

Unless you're REALLY good.  It's impossible to get into.  I mean, most things are like that, that's what interviewing is... Unless you're REALLY good... It's hard to get anywhere in life.

Well... Almost anywhere.

My investing thing is working out well.  It's just slowly/moderately continuing in the direction that I want.

And once it gets where I want it to be, I'll just use that income pay to replace my current pay and just basically go after the things I really want to do in life.

No one likes it.  My boss hates that I have side money, all of my friends hate it.  Haters gonna hate I guess.

The thing is, I own shares, and I'll just keep owning more, and more.  The only thing I can suggest to anyone is buying shares in publicly traded companies that pay solid dividends and increase their dividends on an annual basis.  And then use that dividend to buy more shares in new companies, not the same company.  Reinvest, but in a new company, not the same one.

I'll keep tossing out physical belongings, I'll keep getting rid of stuff in my life that I don't need that costs me money, and keep buying into things that produce income.

Eventually I want stakes in businesses, and rental income... Build my own studio... Etc. etc.

Just keep at it.

I'm already making double this year what I was making last year in income from investments.  And the thing about investment income is, I don't have to do anything, it just keeps coming.

Today, I got 9 bucks from the UPS shares I own.

I don't work for UPS.  I don't drive a truck around.  I don't deliver packages.  I don't do IT support for UPS... I don't make any decisions, get up and clock in, or clock out... I don't do squat for UPS.  I don't handle payroll, or benefits administration.  I don't sit in meetings...

Nada.  Nothing.

But today, I got 9 bucks.  And 3 months from now... I'll get another 9 bucks.  3 months ago I got 9 bucks.

Tomorrow I get a dividend from Simon Property Group.

They own things.  I own shares.  I get part of the rental income that they get for owning things and charging people rent.

It's marvelous.

I'll get like 20 bucks tomorrow.  I didn't do squat.

Guess what I did at work today?  SOOOOOOOO much stuff... So the dollar to doing stuff ratio is much higher at my day job.

Now, here's the thing, any one of these companies can go bust.

Companies go out of business all the time.

And that's why, when I buy shares in a company, with the exception of Realty Income Corp.... I don't buy or sell anymore.

Well, that's not exactly true.  If one of my investments goes over 100 percent in price appreciation, I sometimes sell half my shares.

Now I'm playing with house money.  I originally put 1500 in, the value appreciated to 3000, I sell half... My investment is back to 1500, and I now have 1500 in cash.

That 1500 goes into a new investment.

I now have 2 stocks.

Let's say stock one goes bankrupt.

Because of this leapfrog esk thing with money, I'm still in the game.

It's an investing basic.  Diversify your winners.  If it keeps going up further, great... I still get more investment unrealized gain.

If it falls... I collect the dividend out, and diversify with that.

But now I have 2 dividend paying stocks.

And on top of that, they keep increasing the dividend.  Not all, but most do this... Again, diversify because maybe some will cut or lower their dividend, or scrap it all together... The more you own, the less you even notice that one of the stocks cut it's dividend.

UPS used to pay me only 8 dollars in dividend income.  Guess how much work I did to get a dividend hike that is more this year than last year?


See most people don't know what they would do with their lives if they didn't work.  Most people don't really have like set dreams.

From the day I was born, all I can remember is wanting to do music... Wanting to make things... To create things...

And my entire life I've just had things in my way...

Right now, it's a day job, and cats, and house duties...

etc. etc.

Cutting up a white carpet that is falling apart.

But on the way to the red carpet, you have to figure out a way out of the labrynth of crap in your way to get to the red carpet.

That's what investments and dividends are today.

Most people say.... "money can't make you happy".

If I had sustainable income enough to replace my current 9-5 salary, I could make music all day.  Which is my dream.  And what I really want to do, and would make me happy.

In this case... Money = happiness.

For people who have no passionate dreams and goals in life... Yes, money is useless.

Without a dream... Money is useless.

Anyway, so, my dream is the red carpet.

Throw away all these white carpets in my life that are holding me back, and get into red carpet.

A lot of life is risky, but there are things you can do to hedge against that risk.  A lot of people will try to control your life, and make you do stuff you don't want to do.

When you work FOR someone to make money, you are at their will, they control you.... Because you basically are begging for every dollar that gets paid to you...

When you are the owner?

You're the owner.  Right now I own shares in stock.  The risk with that, is that one company could go belly up...


As I make more income, or as those shares appreciate in value, I sell off winners to diversify into new investments... And as the income comes in, I take half that income and set it aside and reinvest it into new things.

It's creating, like, a book or a song, or a movie... You make money from a book, or a movie, or a song....

And use that money to make new songs, new books, new movies.

Same with rental property.  When I go to buy my first rental property and start receiving income... Some will go for taxes, and maintenance, and such...

The income coming in?

Goes to buy the next property.

Or maybe more shares in stocks.

Or write music, and books, and make movies.

The money coming in from any of those, goes again, into more... Diversified things.

Incorporate a diversified holding company like Richard Branson....

Create new products, new departments...

You're the owner.  So you can do what you want.


Meanwhile, all my peers be like: "So, I'm saving for my next vacation."

And I'll be like... "I own vacation property all over the world, I rent it out when I'm not there, I use the income to pay for my vacation... Saving?  What's that?  I travel on my own companies dime because I travel for business and write it off as a tax expense.  My holdings pay for me to travel.  I don't need to save to travel."

That's my plan anyway.


Who knows, there may be something else that gets in the way to stop it.  The key though is figuring out better ways to get better tools to make things more efficient and get where you want to get.  But owning is a big key.  When you own, you sit on the other side of the table.  You make decisions.  You collect rent checks.

Right now I own shares and collect dividend checks that go towards buying and owning even more shares in even more companies.

Then use that to make music...

Use money from music making to buy more shares...

More share income goes to buy more music equipment...

Write books with that money...

Use all income coming in to put into new income generating investments...

THEN hit up the red carpet.

Why work REALLY hard and beg for someone else in charge at an organization to decide you are good enough and open the gate to let you in, or give you the time of day, or prove that you're worthy by their standards... just to walk down their red carpet?

When you can do squat and just slowly buy up the joint.  And walk down a red carpet that you now own.

Filed under: Stuffs No Comments

White Carpet

I have this white carpet in my room.  It's the next thing to go.

Basically, I throw out one thing a week.  Last week was an old space heater that kicked.

Next week, or, more likely, the next two weeks, will be this carpet.

The thing is, my cats have wrecked it.  Lots of scratching it up, and of course, hairballs... Gross.

So... I'm just tossing it.  I went to lift it up, but, it's basically kind of disintegrating under.  I think?  Or, I don't know what's happening with it.

Anyway, my idea to just roll it up and throw it out in one fell swoop isn't working.  So, instead, I'm cutting it into small pieces and throwing the pieces away.

Maybe it's symbolic somehow.  The rug actually original came from my grandparents second house in Cambria California.

That was their vacation house.

A lot of the stuff from that house sale came back here and was in storage.  When I moved out to my apartment, my mom used that rug to go in my room which became a guest room.  When I moved back home, I just left it there.

It's weird throwing it out piece by piece.  I mean, it's a double or triple edge sword.

Now, don't get me wrong, I'm definitely grateful for all that I have.  But part of it is... The Cambria house sold for a million dollars just that house.  And that money was/is still seemingly MIA... Of course my grandparents main house in Montecito Cali sold for 4 million...

Which is also something that upsets me too, because it was sold in 2007/8 at the height of the housing bubble.  It should have sold for 6 or 8... It was worth 10 the last time I looked it up.

I don't know, every day that I wake up and walk into work, I'm just angry really that things turned out how they did.

Sure, I do music, and all that, but with only a little bit of time in the day.  My life just could have been so different.

Oh well.  So part of it is, basically, we got some random furniture sent our way, while the proceeds from the house went... Where exactly?  My guess is, it went to fly a lot of people to France several times.

Anyway... The other edge is that it's another piece of letting go of my mom and her parents.

The carpet under seems to be turning to dust.  In a way, it's like... Without me keeping their memory alive.... All they were turned to dust too.

I don't know.  And piece by piece I cut away, and then vacuum up the mess.

Eventually, it's gone.

Well, anyway, so once the carpet is gone, I'll go to the next thing that I want to get rid of.  When I get to the last item...

I'll probably then start the process of listing the house.

My goal is still to downsize my physical footprint in this world, and continue to upsize my investment footprint.  I'd like to live more modest as far as my personal living space and belongings go. But I want to continue to boost ownership in things.  Shares of stock is what I'm doing at the moment.... But I definitely think I want to buy businesses, and be a passive owner/investor on businesses, and real estate as well, rental property.

I don't really know to what extent I want to be personally involved in operations of these things.  I just know I want to be more like one of those activist investor types, or a Warren Buffet type.  Where I just buy into things, check to make sure that good people are in charge, and then let them have a significant amount of autonomy to run things how they choose.

That's basically how shareholding works.  I mean, I'm not out there telling 3M how to run their business.  I just hold a handful of shares, and collect the dividend.  The price at which I bought them is less than the value they are at now should I sell them tomorrow.  That means, the people working at 3M are working in my favor.  So, I really have no need to walk into their corporate headquarters and tell them how to run their business.

Keep up the good work would be my only input.

I guess it's weird, because a lot of people really want the opposite.  They want lots of personal stuff.  Big house, fast car, lots of expensive things in the house.

I mean, I'm not opposed to that, but the thing is, a lot of people do it in a way that isn't, sustainable.

Like, they work a job, that brings in income... And if they had some kind of event occur that made it so they couldn't work... The income would be cut off, and so would the ability to pay for the nice stuff.

Mortgage, car payment, credit card debt for all the things in the house bought.

My grandparents never did it like this... They had more money in the bank than they had physical items.  Their houses were paid for in cash, their cars were paid for in full on the day they picked them up.  Credit cards paid in full every month.

So, sure, I can't buy an 8 million dollar house in cash... But I can make sure that I live so that I have more money in the bank than I have physical items.  And the advantage of this is... I can use the excess money coming in to reinvest into new things.

Anyway, that's my plan.  Continue to slowly get rid of old things that are falling apart, like this carpet, even if piece by piece... and then only buy things I can pay for with cash on hand.

I guess, my view on things is that you should live like a tip of an iceberg.

When someone gets a first glance of you, they should only see the tip of the iceberg.  Your clothes, car, house, watch, whatever... That should be the tip of the iceberg of your wealth.

The rest, under the water, would be your investments.

A lot of people I know, actually, live the reverse... Tip of the iceberg is their checking account.  they have no savings, no investments, no retirement... And the part underwater?  Is... Debt, and the things they own are actually owned by banks, and credit card companies.  And they just keep things barely going by making these monthly rent payments.

Well anyway, those are my thoughts for the night...

I think what I meant to  say with all of that is, nothing is impossible if you handle it piece by piece.  Maybe you set out to take on the entire task in one fell swoop, and you find that you have to handle it one little piece at a time.


Filed under: Stuffs No Comments

Not The Last Mow (Sort Of)

Oh, so today was Thanksgiving... Went to a family friend's place of my mom over in NJ.  They have a house on a lake, near Hammonton, near the forests and blueberry farms.  It's a nice place... It was a nice time.  The lake was very scenic.  We had food, and hung out and conversed about things, such is why NYC pizza is so good (apparently it's the water).

Anyway, so, yeah... Of course I was legit the only single person there, but that's how things always go for me.

Well, at any rate, so during dinner we were all talking about various things (besides NYC pizza) and one of the things we discussed was lawn care... At least I could chat about that... SO, a lot of us are now homeowners... and we were talking about lawn mowers... And I was telling my leaf clearing experience.

Apparently I'm the last person to figure this out, but hey, better to have figured it out eventually than not at all!

Well, so, basically, I explained how I am doing leaf clean up this year.  Now, in previous years, I've gotten out there with a rake and bagged them in these paper bags... OR, I've just let them blow into the neighbors yards.

But, I don't want to be that neighbor... Although, to be fair, the trees that are making the leaves aren't even on my property.  But they fall off the trees and land on my property and get blown over...

So, it's fine.

Let me back up real quick.  Before I bought all this new fancy pants yard machinery, I was using the little manual mower... One of the downsides to a human powered manual mower is that it won't mulch.

When I bought my new mower, I set it to mulch right away.  The grass always comes up looking better in my opinion when you mulch it.

Everyone always has all these opinions about mowing.  I don't think any one of the options fits all the time.  Like most mowers, my mower has the 3 in 1 feature.  So, I have mulch, for regular mowing.  Sideshoot is when the grass gets too overgrown for the mulching, like, if it's rained a TON and the grass grew really fast... For example in the spring.  Although, it probably could still be mulched with this mower.  The thing about this mower is that it's electric, you know, like the electric slide.

It's electric!

And now you're singing the electric slide song.

Because of that, I don't have to worry about running out of gas.  I remember when I was a teen and would mow the lawn, if the lawn was super thick, the gas would run out sooner because the mower would have to work harder.

Or maybe that's just how I remember it... But with this thing, and having 5 batteries now to cycle through, I can pretty much mow indefinitely, even if the strain on the mower is higher.  I just keep 4 batteries on the chargers and pull the next one in line when this battery runs out of juice.

Okay, so, the final option is bagging... In my opinion the bagging is mostly used for yard cleanup.

At least, that's what I recently figured out.

Here's what happens when you bag... It basically turns the mower into an outdoor vacuum cleaner.

So, like, not just leaves, but other debris on the lawn can be sucked up by the mower.  So, I was saying at dinner, how yesterday I cleaned up debris around the yard using my leaf blower and mower.

What I did was, I put the bag on the back, set the mower to the highest setting, then used the leaf blower to round up leaves and sticks and twigs and such.  I used the blower to push them into the center of the yard in a line.  Then I used the mower to go alone the line and suck it all up into the mower bag.  I detached the mower bag and emptied the contents of the bag into a brown yard cleanup bag that I purchased at the store.

It's SOOOO much faster than raking.  And, when you mow over top of it, it just sucks it right into the mower and into the bag.

It's amazing.

So, while it wasn't technically a mow, it was kind of sort of like mowing.  So, I guess the mow I did last weekend wasn't the last.  And since the leaves are still falling, and I still have a few more spots to clean up, I'll probably still be mowing right up until it snows.  And then, I'll just go right to snowblowing...

And then when that stops, there's usually about a month or so before the grass kind of starts to grow again.

It's weird though because last spring I was just like, dreading the warm temps and the grass to start growing.

Now I'm just like... TAKE THAT GRASS!  I actually enjoy mowing with this thing.  It's just so cool I guess.

I think eventually the novelty will wear off... But maybe not!

It's different too because I never much liked using gas lawn equipment.  I hated mowing with a gas mower.  It's loud and smelly.  That's why I was trying to use the manual push mower.  But that started to hurt my back.  Which is pretty much the reason why I gave up on that and finally got this electric stuff.

I'm glad I did finally make this purchase.  It's totally worth the money.

But, yeah, I actually really enjoy using the electric yard equipment.  It just works so well, and it's fun to use.  It starts right up, and you just pop the battery in.  You don't have to run to the gas station to get more gas when you run out.  I would always spill the gas too when putting it in the mower and then it would smell terrible.

I think the best part of it though, is that, it feels like I'm more on level with my peers, or society in general. There was one point over the summer where I almost felt like I was just failing at life in general because I was mowing grass all the time and could barely keep up with it.

Psychologically it felt like... Life was overwhelming me.  I was sore and my back hurt and areas I had JUST mowed were already starting to grow after a day or two...

And my to-do list just kept getting longer and longer.

Once I bought this equipment, I felt like... back in charge.  Maybe that's why I like it so much.

It makes me feel good.  And who doesn't like things that make you feel good.  I hate the feeling of being overwhelmed.

With the right tool, life becomes a breeze I guess.  I love figuring stuff out.  I love being able to find better ways to do things.

I mean, okay yes, I kind of already knew all this, it's basic homeownership 101... My thing was, I just hate gas equipment... So, finding this cordless electric alternative...

Basically, I could run with the big dogs again... And be on par with my peers... But I could do it in my own way.  Best of both worlds.

It's quirky I suppose, but I just have my own little way that I like doing things.

Well, so now that the mowing and yard cleanup thing has been sorted out, I can start working on other items on my to-do list instead of spending tons of time mowing, or leaf raking.

Oh, annnnnnd, my yard is looking pretty darn good too if you ask me!

So there you have it.  I can hold my own when it comes to homeowner yard work talk at the Thanksgiving dinner table.

Filed under: Stuffs No Comments

Consent List

Okay, so I had an idea.

It's called "The Consent List".

Here's how it works...

When we're born, and we enter this world, we start this thing called life.  Now, as we get older, eventually we become of legal age to give consent to people for things.

That basically boils down to... People who we want to do things to us, and people we don't.

It's a bit like a bouncer at a club.  Either you're on the list and you are allowed in... Or you are NOT on the list...

So, this is The Consent List.

Basically as I meet people in life, there are one of two people when it comes to romance... Person A is...

I'm not intersted.  SO, you're not on the list.

Person B is... I'm interested... SO... You're on the list!

Now, what happens is, people start making lists.  Anywhere you go and anyone you meet, you can choose to do nothing, AKA not add them to the list... OR you can put them on the list.

At any point, you can also take them off.

So, let's say I go out to a club... And the bouncer lets me in.  Or a bar.

And at that bar, or club, I meet 50 people that night.  But there's one, or two ladies, who take my fancy.

Great.  I add them to my list.

Now they know that they have my consent.

HOWEVER, let's say both of them decided that at that bar that night, they didn't take their fancy to me.  So, I'm not on their list.

That means, I dig them, and they don't dig me.  But let's say they added 1 other guy each that was out that night... That guy now has THEIR consent.

See how this works?

Now, you can also choose to get an alert when someone adds you as an OKAY to their consent list.  Then you can decide  to consent back.

When you get two mutual consents... That's when you can now enter into something romantic.

BUT as long as there is only one consent per side, or none... Neither side can be romantic towards one another.

It would just be an app and people just make a profile.  And you just start building your list of people you consent to, and people you don't.

When you meet someone out on the town, you can add them, not not add them... But unless both people add one another.... there isn't consent.

Obviously this is for single people only... because if you're already married or in a relationship, you are already consenting to that one and only person that you decided to be with.

Also obviously the app goes away once you're in a relationship because you've already consented to the mutual person that you decided to be with.

SO this is only an app for single people who are looking to date and connect with other people.  It's not an online dating app as in you can't browse for matches... This is just for in person encounters or people you might meet in real life.

Two coworkers working together and one of the likes the other one and they are both single?

Add them to your consent list.  If they look it up and see it, they know.  If they don't... Oh well.

But basically you just build a list that people can look at.  If their name is on the list, should they not have the app, the person can choose to download the app and then consent back.

Like so for example, if I were to make my own list right now?

I would write on the app the people  who I give consent to...

I'm not ACTUALLY going to write it here, but, there are definitely 3 women I know, who I would totally consent to at the moment.

Should they be interested back.

Obviously I don't KNOW if they are or are not because... there isn't an app.

But if there were an app, it would be interesting to know who was out there giving consent.  Maybe it's none... That's probably most likely the case...

But, I mean, who knows... Maybe there's someone out there and she likes me and hasn't said a word, and I have no idea that she does like me...

And maybe I like her back, but I wouldn't say a word either...

But, I mean, we could both like one another, but we don't say anything because we don't know if the other person is or is not interested back, but we don't want to go blurt it out because what if they aren't interested back?

Then it's awkward.

Anyways, that's my idea.

Filed under: Stuffs No Comments