Friday, April 3, 2020

Income & Expenses For March 2020: Saved $15,849.92, 98.92% of After-Tax Income


Since 2014, I have been tracking my monthly income and expenses. You can see a breakdown of every penny I earn and spend. For perspective, this budget is for a household of two in a small US city. 

By documenting my journey, I aim to demonstrate the feasibility of saving a significant portion of your income and provide some ideas and inspiration for your own budget.

Below are my income and expenses for March 2020. You can see all my monthly budgets here.

Mar 2020
Income
Wages
$14,115.81
Dividends
$2,840.19
Other Income
$669.90
Total Income
$17,625.90
Expense
Federal Income Tax
$984.14
Federal Tax Pmt/(Refund)
FICA-SS
$501.57
FICA-Medicare
$117.30
Housing
$4.29
Student loan repayment
$46.41
Food
$80.90
Electric
$1.17
Water
$29.84
Gas/Heating
$10.36
Total Expense
$1,775.98
Surplus/(Deficit)
$15,849.92
Before Tax Saving Rate
89.92%
After Tax Income
$16,022.89
Ex-Tax Total Expense
$172.97
After Tax Saving Rate
98.92%
Goal
95.00%

Wednesday, April 1, 2020

Net Worth Update March 2020: $1,480,705.49 (-$188,394.96, -11.29%)

Welcome to my monthly net worth update! Here is how my assets, liabilities, and net worth have changed over the past month:

Beginning balance
on 3/1/2020
+ Cash inflow
/(outflow)
+ $ P/L= Ending Balance
on 3/31/2020
% P/L% Equity
ASSETS
Current assets
Cash(25,244.51)27,716.690.002,472.180.00%0.17%
Bonds25,867.33(128.07)344.3926,083.651.33%1.76%
Stocks1,283,485.69(8,481.73)(147,715.37)1,127,288.59-11.51%76.13%
Total current assets1,284,108.5119,106.89(147,370.98)1,155,844.42-11.48%78.06%
Tax-deferred retirement account241,108.363,915.90(43,435.14)201,589.12-18.01%13.61%
Roth IRA91,721.36(20,699.45)71,021.91-22.57%4.80%
Home41,000.000.0041,000.000.00%2.77%
Gold17,081.22129.2417,210.460.76%1.16%
Other non-current assets378.41(19.44)358.97-5.14%0.02%
Total assets1,675,397.8623,022.79(211,395.77)1,487,024.88-12.62%100.43%
LIABILITIES & EQUITY
Liabilities
Current liabilities727.2156.280.00783.490.05%
Long-term liabilities
Student loan5,570.20(34.30)0.005,535.900.37%
Other non-current liabilities0.000.000.000.000.00%
Total liabilities6,297.4121.980.006,319.390.43%
Equity (net worth)1,669,100.4523,000.81(211,395.77)1,480,705.49-12.67%100.00%

Net worth: Bottom line up front, my net worth decreased by $188,394.96, -11.29% this month due to marked-to-market investment losses (-$211,395.77, -12.67%), partially offset by net cash inflow ($23,000.81, 1.38%).

Here is the breakdown of my balance sheet:

Portfolio Update March 2020: Bought 47 Stocks (7 New Buys!) and Sold 63


The time has come for my monthly portfolio update. At the end of every month, I will update my portfolio and comment on any changes. I do that for accountability and also so you may glean some ideas on how I allocate my capital. You have the opportunity to learn from what I do well so you can do the same, as well as what I do poorly, so you will not have to repeat my mistakes.

Follow my real-time portfolio here. Below is a snapshot of my stocks and ETFs portfolio as of 3/31/20:

TickerShares HeldCost BasisPriceTotal InvestedMarket ValueG/L ($)G/L (%)WeightDiv/shDividendYieldYOC
Total16946.12404$60.02$70.69$1,017,047.35$1,197,987.19$180,939.8417.79%100.00%$15,234.401.27%1.50%
BIIB271.21584$231.88$316.38$62,890.22$85,807.27$22,917.0536.44%7.16%$0.00$0.000.00%0.00%
IJR1260$71.36$56.11$89,909.31$70,698.60-$19,210.71-21.37%5.90%$1.21$1,522.102.15%1.69%
BKNG41.97851$1,540.76$1,345.32$64,678.98$56,474.53-$8,204.45-12.68%4.71%$0.00$0.000.00%0.00%
CI268$157.04$177.18$42,086.95$47,484.24$5,397.2912.82%3.96%$0.04$10.720.02%0.03%
BDX198.014047$97.97$229.77$19,400.00$45,497.69$26,097.69134.52%3.80%$3.16$625.721.38%3.23%
AZO46.17315$743.22$846.00$34,316.61$39,062.48$4,745.8713.83%3.26%$0.00$0.000.00%0.00%
BRK.B190.62212$164.25$182.83$31,309.20$34,851.44$3,542.2411.31%2.91%$0.00$0.000.00%0.00%
BIDU300$97.66$100.79$29,298.44$30,237.00$938.563.20%2.52%$0.00$0.000.00%0.00%
SRCL580$54.63$48.58$31,687.64$28,176.40-$3,511.24-11.08%2.35%$0.00$0.000.00%0.00%
AFL803.9575$25.75$34.24$20,700.00$27,527.50$6,827.5032.98%2.30%$1.08$868.273.15%4.19%
AN936$33.21$28.06$31,082.81$26,264.16-$4,818.65-15.50%2.19%$0.00$0.000.00%0.00%
SPGI99.319432$59.40$245.05$5,900.00$24,338.23$18,438.23312.51%2.03%$2.28$226.450.93%3.84%
MSFT147$40.09$157.71$5,893.41$23,183.37$17,289.96293.38%1.94%$2.04$299.881.29%5.09%
WMT198$69.34$113.62$13,728.34$22,496.76$8,768.4263.87%1.88%$2.12$419.761.87%3.06%
YORW487.509$25.74$43.46$12,550.00$21,187.14$8,637.1468.82%1.77%$0.72$351.011.66%2.80%
NSC139.23$72.54$146.00$10,100.00$20,327.58$10,227.58101.26%1.70%$3.76$523.502.58%5.18%
AMZN10.20774$1,743.89$1,949.72$17,801.22$19,902.23$2,101.0111.80%1.66%$0.00$0.000.00%0.00%
EXC513.225$25.72$36.81$13,200.00$18,891.81$5,691.8143.12%1.58%$1.45$744.183.94%5.64%
NKE223$51.28$82.74$11,435.52$18,451.02$7,015.5061.35%1.54%$0.98$218.541.18%1.91%
FB103.39454$146.34$166.80$15,130.53$17,246.21$2,115.6813.98%1.44%$0.00$0.000.00%0.00%
FISV168.81844$70.92$94.99$11,973.22$16,036.06$4,062.8433.93%1.34%$0.00$0.000.00%0.00%
CRM109.6678$132.60$143.98$14,541.64$15,789.97$1,248.338.58%1.32%$0.00$0.000.00%0.00%
XOM409.29144$69.39$37.97$28,400.00$15,540.80-$12,859.20-45.28%1.30%$3.48$1,424.339.17%5.02%
DLTR209.20469$85.87$73.47$17,963.87$15,370.27-$2,593.60-14.44%1.28%$0.00$0.000.00%0.00%
LMT44.233058$105.15$338.95$4,651.18$14,992.80$10,341.62222.34%1.25%$9.60$424.642.83%9.13%
LH117.09563$122.44$126.39$14,337.26$14,799.72$462.463.23%1.24%$0.00$0.000.00%0.00%
EMR310.162544$47.72$47.65$14,800.00$14,779.25-$20.75-0.14%1.23%$2.00$620.334.20%4.19%
VMW118$97.27$121.10$11,477.87$14,289.80$2,811.9324.50%1.19%$0.00$0.000.00%0.00%
AYI165.908147$131.53$85.66$21,822.34$14,211.69-$7,610.65-34.88%1.19%$0.52$86.270.61%0.40%
GIS255.656$41.07$52.77$10,500.00$13,490.97$2,990.9728.49%1.13%$1.96$501.093.71%4.77%
CHKP133.48373$103.18$100.54$13,772.46$13,420.45-$352.01-2.56%1.12%$0.00$0.000.00%0.00%
SON266.116$36.26$46.35$9,650.00$12,334.48$2,684.4827.82%1.03%$1.72$457.723.71%4.74%
SNY278.413$38.07$43.72$10,600.00$12,172.22$1,572.2214.83%1.02%$1.74$484.443.98%4.57%
BMTC427.033039$25.52$28.38$10,900.00$12,119.20$1,219.2011.19%1.01%$1.04$444.113.66%4.07%
CERN186$48.84$62.99$9,084.46$11,716.14$2,631.6828.97%0.98%$0.72$133.921.14%1.47%
NVS138.788$61.36$82.45$8,516.58$11,443.07$2,926.4934.36%0.96%$2.83$392.773.43%4.61%
DIS115$81.18$96.60$9,335.99$11,109.00$1,773.0118.99%0.93%$1.76$202.401.82%2.17%
LKQ531$22.23$20.51$11,805.17$10,890.81-$914.36-7.75%0.91%$0.00$0.000.00%0.00%
FFIV100.64367$135.52$106.63$13,639.15$10,731.63-$2,907.52-21.32%0.90%$0.00$0.000.00%0.00%
BABA54$164.53$194.48$8,884.58$10,501.92$1,617.3418.20%0.88%$0.00$0.000.00%0.00%
VMI97.528$127.66$105.98$12,450.00$10,336.02-$2,113.98-16.98%0.86%$1.50$146.291.42%1.18%
DISCA529$18.79$19.44$9,941.49$10,283.76$342.273.44%0.86%$0.00$0.000.00%0.00%
WAT56.20737$195.68$182.05$10,998.53$10,232.55-$765.98-6.96%0.85%$0.00$0.000.00%0.00%
UHS95$111.67$99.08$10,608.60$9,412.60-$1,196.00-11.27%0.79%$0.80$76.000.81%0.72%
TCEHY190$40.78$49.09$7,748.04$9,327.10$1,579.0620.38%0.78%$0.26$49.400.53%0.64%
ILMN33$232.95$273.12$7,687.29$9,012.96$1,325.6717.24%0.75%$0.00$0.000.00%0.00%
ESLT70$36.40$127.69$2,547.95$8,938.30$6,390.35250.80%0.75%$1.76$123.201.38%4.84%
PG68.38$61.42$110.00$4,200.00$7,521.80$3,321.8079.09%0.63%$2.98$203.772.71%4.85%
PEG162.458$27.39$44.91$4,450.00$7,295.99$2,845.9963.95%0.61%$1.88$305.424.19%6.86%
HSIC136$58.32$50.52$7,930.94$6,870.72-$1,060.22-13.37%0.57%$0.00$0.000.00%0.00%
UAL205$25.54$31.55$5,235.42$6,467.75$1,232.3323.54%0.54%$0.00$0.000.00%0.00%
VIG60$59.80$103.39$3,588.01$6,203.40$2,615.3972.89%0.52%$2.13$128.032.06%3.57%
CSX108$20.96$57.30$2,263.24$6,188.40$3,925.16173.43%0.52%$0.96$103.681.68%4.58%
KMX109$39.70$53.83$4,327.03$5,867.47$1,540.4435.60%0.49%$0.00$0.000.00%0.00%
RLI64.730733$66.63$87.93$4,313.00$5,691.77$1,378.7731.97%0.48%$1.92$124.282.18%2.88%
SAVE400$11.00$12.89$4,400.68$5,156.00$755.3217.16%0.43%$0.00$0.000.00%0.00%
ULTA29$155.61$175.70$4,512.81$5,095.30$582.4912.91%0.43%$0.00$0.000.00%0.00%
K84.828$48.85$59.99$4,143.58$5,088.83$945.2522.81%0.42%$2.28$193.413.80%4.67%
NCLH450$8.89$10.96$4,000.77$4,932.00$931.2323.28%0.41%$0.00$0.000.00%0.00%
CTSH101$55.12$46.47$5,566.77$4,693.47-$873.30-15.69%0.39%$0.80$80.801.72%1.45%
IRBT113$52.64$40.90$5,948.65$4,621.70-$1,326.95-22.31%0.39%$0.00$0.000.00%0.00%
ATGE167$22.11$26.79$3,692.65$4,473.93$781.2821.16%0.37%$0.00$0.000.00%0.00%
TIF33$60.25$129.50$1,988.40$4,273.50$2,285.10114.92%0.36%$2.32$76.561.79%3.85%
SCHW126$33.70$33.62$4,246.72$4,236.12-$10.60-0.25%0.35%$0.68$85.682.02%2.02%
UNP29.580347$121.70$141.04$3,600.00$4,172.01$572.0115.89%0.35%$3.88$114.772.75%3.19%
SAM11$133.65$367.56$1,470.10$4,043.16$2,573.06175.03%0.34%$0.00$0.000.00%0.00%
DHR29$79.24$138.41$2,298.10$4,013.89$1,715.7974.66%0.34%$0.68$19.720.49%0.86%
RCL120$23.51$32.17$2,821.17$3,860.40$1,039.2336.84%0.32%$3.12$374.409.70%13.27%
PEP28.892185$51.92$120.10$1,500.00$3,469.95$1,969.95131.33%0.29%$3.82$110.373.18%7.36%
OMC61.452$67.64$54.90$4,156.62$3,373.71-$782.91-18.84%0.28%$2.60$159.784.74%3.84%
GPN23$118.64$144.23$2,728.67$3,317.29$588.6221.57%0.28%$0.78$17.940.54%0.66%
MCK24$127.42$135.26$3,058.04$3,246.24$188.206.15%0.27%$1.64$39.361.21%1.29%
AAN133$22.62$22.78$3,008.06$3,029.74$21.680.72%0.25%$0.16$21.280.70%0.71%
UBER102$20.00$27.92$2,040.08$2,847.84$807.7639.59%0.24%$0.00$0.000.00%0.00%
ELAN126$15.68$22.39$1,975.11$2,821.14$846.0342.83%0.24%$0.00$0.000.00%0.00%
PAYX44.51$30.33$62.92$1,350.00$2,800.57$1,450.57107.45%0.23%$2.48$110.383.94%8.18%
WB84$37.60$33.11$3,158.48$2,781.24-$377.24-11.94%0.23%$0.00$0.000.00%0.00%
ORLY9$189.26$301.05$1,703.36$2,709.45$1,006.0959.07%0.23%$0.00$0.000.00%0.00%
OGS31.707$31.54$83.62$1,000.00$2,651.34$1,651.34165.13%0.22%$2.00$63.412.39%6.34%
AMCR307$8.44$8.12$2,589.74$2,492.84-$96.90-3.74%0.21%$0.46$141.225.67%5.45%
DPZ7$230.86$324.07$1,616.00$2,268.49$652.4940.38%0.19%$2.60$18.200.80%1.13%
STRA16$48.00$139.76$768.00$2,236.16$1,468.16191.17%0.19%$2.40$38.401.72%5.00%
CPRI199$15.98$10.79$3,180.11$2,147.21-$1,032.90-32.48%0.18%$0.00$0.000.00%0.00%
FDX16$152.76$121.26$2,444.15$1,940.16-$503.99-20.62%0.16%$2.60$41.602.14%1.70%
GGG39$24.33$48.73$949.00$1,900.47$951.47100.26%0.16%$0.70$27.301.44%2.88%
PPL75.607$22.17$24.68$1,676.52$1,865.98$189.4611.30%0.16%$1.65$124.756.69%7.44%
WELL40.3453$52.05$45.78$2,100.00$1,847.01-$252.99-12.05%0.15%$3.48$140.407.60%6.69%
NVDA7$149.00$263.60$1,043.00$1,845.20$802.2076.91%0.15%$0.64$4.480.24%0.43%
OXY150$9.67$11.58$1,450.17$1,737.00$286.8319.78%0.14%$0.44$66.003.80%4.55%
EGOV74$14.42$23.00$1,067.00$1,702.00$635.0059.51%0.14%$0.32$23.681.39%2.22%
NNN52.16$38.34$32.19$2,000.00$1,679.03-$320.97-16.05%0.14%$2.06$107.456.40%5.37%
PII34$76.53$48.15$2,602.00$1,637.10-$964.90-37.08%0.14%$2.44$82.965.07%3.19%
CNC27$43.79$59.41$1,182.20$1,604.07$421.8735.69%0.13%$0.00$0.000.00%0.00%
GOOGL1.34457$1,434.88$1,161.95$1,929.30$1,562.32-$366.97-19.02%0.13%$0.00$0.000.00%0.00%
CBOE17$94.92$89.25$1,613.60$1,517.25-$96.35-5.97%0.13%$1.44$24.481.61%1.52%
BF.B27$36.66$55.51$989.71$1,498.77$509.0651.44%0.13%$0.70$18.901.26%1.91%
WUBA29$52.30$48.72$1,516.78$1,412.88-$103.90-6.85%0.12%$0.00$0.000.00%0.00%
ALC27$47.53$50.82$1,283.42$1,372.14$88.726.91%0.11%$0.00$0.000.00%0.00%
ALB24$64.16$56.37$1,539.75$1,352.88-$186.87-12.14%0.11%$1.47$35.282.61%2.29%
MDLZ27$43.55$50.08$1,175.86$1,352.16$176.3014.99%0.11%$1.14$30.782.28%2.62%
SINA42$35.69$31.84$1,498.80$1,337.28-$161.52-10.78%0.11%$0.00$0.000.00%0.00%
ATVI22$45.50$59.48$1,001.00$1,308.56$307.5630.73%0.11%$0.37$8.140.62%0.81%
SJI51.9793$22.12$25.00$1,150.00$1,299.48$149.4813.00%0.11%$1.18$61.344.72%5.33%
AAPL5$94.64$254.29$473.20$1,271.45$798.25168.69%0.11%$3.08$15.401.21%3.25%
AAP13$115.85$93.32$1,506.02$1,213.16-$292.86-19.45%0.10%$0.24$3.120.26%0.21%
KDP48.936721$21.04$24.27$1,029.61$1,187.69$158.0815.35%0.10%$0.60$29.362.47%2.85%
HDB30$47.00$38.46$1,410.00$1,153.80-$256.20-18.17%0.10%$0.32$9.600.83%0.68%
SCL13$38.46$88.46$499.98$1,149.98$650.00130.01%0.10%$1.10$14.301.24%2.86%
FOX48$15.75$22.88$756.01$1,098.24$342.2345.27%0.09%$0.46$22.082.01%2.92%
ABMD7$185.43$145.16$1,298.00$1,016.12-$281.88-21.72%0.08%$0.00$0.000.00%0.00%
UNH4$222.00$249.38$888.00$997.52$109.5212.33%0.08%$4.32$17.281.73%1.95%
ISRG2$490.00$495.21$980.00$990.42$10.421.06%0.08%$0.00$0.000.00%0.00%
SQ17$60.35$52.38$1,026.00$890.46-$135.54-13.21%0.07%$0.00$0.000.00%0.00%
TSCO10$49.99$84.55$499.90$845.50$345.6069.13%0.07%$1.40$14.001.66%2.80%
ICE10$56.49$80.75$564.90$807.50$242.6042.95%0.07%$1.10$11.001.36%1.95%
HRL16$31.00$46.64$496.00$746.24$250.2450.45%0.06%$0.93$14.881.99%3.00%
WTRG18.314593$27.30$40.70$500.00$745.40$245.4049.08%0.06%$0.94$17.222.31%3.44%
PNW9.796849$31.74$75.79$311.00$742.50$431.50138.75%0.06%$3.13$30.664.13%9.86%
FZIPX106.599$6.83$6.90$728.07$735.53$7.461.03%0.06%$0.13$13.541.84%1.86%
AXE8$62.50$87.87$500.00$702.96$202.9640.59%0.06%$0.00$0.000.00%0.00%
BCPC7$71.00$98.72$497.00$691.04$194.0439.04%0.06%$0.52$3.640.53%0.73%
MMM5$172.95$136.51$864.75$682.55-$182.20-21.07%0.06%$5.76$28.804.22%3.33%
LANC4$117.75$144.64$471.00$578.56$107.5622.84%0.05%$2.80$11.201.94%2.38%
FZROX61.422$10.00$8.95$614.24$549.73-$64.51-10.50%0.05%$0.16$10.071.83%1.64%
GE67$7.42$7.94$496.94$531.98$35.047.05%0.04%$0.04$2.680.50%0.54%
EFSI22$22.85$23.91$502.70$526.02$23.324.64%0.04%$1.04$22.884.35%4.55%
VAR5$106.00$102.66$530.00$513.30-$16.70-3.15%0.04%$0.00$0.000.00%0.00%
PYPL5$103.00$95.74$515.00$478.70-$36.30-7.05%0.04%$0.00$0.000.00%0.00%
RAVN22$22.60$21.23$497.20$467.06-$30.14-6.06%0.04%$0.52$11.442.45%2.30%
TESS88.983$8.99$4.89$800.00$435.13-$364.87-45.61%0.04%$0.62$55.1712.68%6.90%
FFIV4$116.00$106.63$464.00$426.52-$37.48-8.08%0.04%$0.00$0.000.00%0.00%
ATHM6$82.00$71.02$492.00$426.12-$65.88-13.39%0.04%$0.00$0.000.00%0.00%
CVET28$40.05$8.14$1,121.30$227.92-$893.38-79.67%0.02%$0.00$0.000.00%0.00%
PRSP9$7.71$18.24$69.41$164.16$94.75136.51%0.01%$0.24$2.161.32%3.11%
MPLX13$35.96$11.62$467.43$151.06-$316.37-67.68%0.01%$2.71$35.2323.32%7.54%
ARLP41$26.68$3.10$1,094.01$127.10-$966.91-88.38%0.01%$2.16$88.5669.68%8.09%
LYG50$3.24$1.51$162.00$75.50-$86.50-53.40%0.01%$0.11$5.507.28%3.40%
TRGP7$8.09$6.91$56.66$48.37-$8.29-14.63%0.00%$3.64$25.4852.68%44.97%
MVC11$8.84$4.37$97.28$48.07-$49.21-50.59%0.00%$0.68$7.4815.56%7.69%
RUTH6$21.73$6.68$130.40$40.08-$90.32-69.26%0.00%$0.52$3.127.78%2.39%
BK1$47.34$33.68$47.34$33.68-$13.66-28.86%0.00%$1.24$1.243.68%2.62%
SWPPX.677$50.09$39.71$33.91$26.88-$7.03-20.72%0.00%$0.96$0.652.43%1.92%
SNV1$36.50$17.56$36.50$17.56-$18.94-51.89%0.00%$1.20$1.206.83%3.29%
WVVI1$8.36$4.80$8.36$4.80-$3.56-42.58%0.00%$0.00$0.000.00%0.00%
ZVO1$17.85$1.65$17.85$1.65-$16.20-90.76%0.00%$0.00$0.000.00%0.00%
FAZ-20$172.08$37.97-$3,441.54-$759.40$2,682.1477.93%-0.06%
SQQQ-160$69.39$19.46-$11,101.75-$3,113.60$7,988.1571.95%-0.26%
EDZ-120$56.24$49.58-$6,748.91-$5,949.60$799.3111.84%-0.50%
TZA-200$79.97$59.40-$15,993.84-$11,880.00$4,113.8425.72%-0.99%
My transactions in March are as follow:

StockActionCost
Price per share
% of PortfolioCurrent PriceMTM P/L (%)MTM P/L ($)
BIDUAdd$20,760.79$94.371.24%$99.395.32%$1,105.01
BKNGAdd$19,132.56$1,257.551.15%$1,305.003.77%$721.89
CRMAdd$14,176.97$131.810.85%$137.614.40%$623.83
FBAdd$11,325.47$146.070.68%$162.3411.14%$1,261.66
VMWAdd$11,071.37$96.270.66%$118.7223.32%$2,581.43
ANAdd$10,800.67$27.000.65%$26.12-3.27%-$352.67
UALNew Buy$5,235.42$25.540.31%$28.3410.97%$574.28
LHAdd$4,734.02$121.720.28%$118.47-2.67%-$126.54
SAVENew Buy$4,400.68$11.000.26%$11.787.07%$311.32
ILMNAdd$4,100.31$205.020.25%$264.9629.24%$1,198.89
NCLHNew Buy$4,000.77$8.890.24%$10.1814.50%$580.23
KMXAdd$3,800.17$38.000.23%$49.3029.73%$1,129.83
AMZNAdd$3,431.94$1,700.880.21%$1,927.0013.29%$456.24
RCLNew Buy$3,349.17$27.910.20%$28.923.62%$121.23
SCHWAdd$3,251.10$32.510.19%$32.13-1.17%-$38.10
BRK.BAdd$3,170.74$190.700.19%$177.34-7.00%-$222.07
LKQAdd$3,090.59$15.690.19%$19.4123.72%$733.18
WATAdd$2,641.14$190.510.16%$176.32-7.45%-$196.75
CHKPAdd$2,531.85$93.540.15%$97.314.04%$102.17
ULTAAdd$2,500.31$125.020.15%$167.9134.31%$857.89
FISVAdd$2,133.24$104.080.13%$91.43-12.16%-$259.30
AZOAdd$2,047.05$925.140.12%$829.35-10.35%-$211.95
UBERNew Buy$2,040.08$20.000.12%$25.9029.49%$601.72
OXYNew Buy$1,450.17$9.670.09%$10.6410.06%$145.83
FFIVAdd$1,168.92$116.450.07%$103.07-11.49%-$134.31
DLTRAdd$1,108.94$81.680.07%$71.38-12.61%-$139.84
CPRIAdd$990.17$9.900.06%$9.61-2.95%-$29.17
FZIPXNew Buy$728.07$6.830.04%$6.901.03%$7.46
IRBTAdd$495.00$33.000.03%$39.5019.70%$97.50
XOMAdd$342.59$47.970.02%$36.99-22.89%-$78.44
NVSAdd$271.23$74.620.02%$81.929.79%$26.55
SPGIAdd$265.35$242.840.02%$236.98-2.41%-$6.40
AFLAdd$223.69$44.110.01%$32.82-25.59%-$57.25
AYIAdd$200.00$82.330.01%$79.51-3.43%-$6.85
VMIAdd$200.00$104.220.01%$104.230.01%$0.02
YORWAdd$200.00$38.960.01%$40.423.74%$7.48
EMRAdd$153.60$51.710.01%$45.18-12.63%-$19.40
NSCAdd$130.08$154.490.01%$142.20-7.95%-$10.35
SONAdd$113.42$48.510.01%$45.72-5.76%-$6.53
BMTCAdd$110.17$33.360.01%$26.33-21.07%-$23.22
GOOGLAdd$85.07$1,167.900.01%$1,118.27-4.25%-$3.62
KAdd$45.66$62.550.00%$59.32-5.16%-$2.36
EXCAdd$28.28-$58.670.00%$35.16-159.93%-$45.23
OGSAdd$17.01$84.630.00%$80.12-5.33%-$0.91
RLIAdd$12.78$71.760.00%$82.5014.96%$1.91
PNWAdd$7.60$92.290.00%$74.01-19.81%-$1.51
WTRGAdd$4.27$46.700.00%$39.07-16.34%-$0.70
AMCSold Out-$17.33$3.470.00%$2.84-18.06%$3.13
CHLSold Out-$73.99$37.000.00%$36.95-0.12%$0.09
VSTSold Out-$225.37$15.02-0.01%$15.321.97%-$4.43
DXCSold Out-$233.67$12.98-0.01%$11.92-8.18%$19.11
CGCSold Out-$257.85$11.72-0.02%$14.0319.71%-$50.81
TAPSold Out-$308.76$38.60-0.02%$37.59-2.60%$8.04
USBSold Out-$319.66$31.97-0.02%$32.772.52%-$8.04
CLRSold Out-$379.67$7.91-0.02%$6.99-11.63%$44.15
ROKSold Out-$388.11$129.37-0.02%$141.069.04%-$35.07
KSSSold Out-$397.20$14.19-0.02%$13.35-5.89%$23.40
WSMSold Out-$439.74$39.98-0.03%$38.46-3.79%$16.68
MPCSold Out-$462.48$17.79-0.03%$22.1324.41%-$112.90
NTTYYSold Out-$479.59$21.80-0.03%$22.643.86%-$18.49
HFCSold Out-$488.52$22.21-0.03%$23.435.51%-$26.94
FZILXSold Out-$502.70$7.88-0.03%$7.950.89%-$4.47
AEOSold Out-$503.55$9.33-0.03%$7.11-23.75%$119.61
CCFNSold Out-$515.87$42.99-0.03%$40.00-6.95%$35.87
PBSold Out-$530.41$48.22-0.03%$45.05-6.57%$34.86
TJXSold Out-$566.66$40.48-0.03%$45.8813.35%-$75.66
HSYSold Out-$575.94$115.19-0.03%$130.5513.34%-$76.81
IDCBYSold Out-$580.94$12.91-0.03%$13.262.71%-$15.76
GPCSold Out-$659.66$54.97-0.04%$63.4415.40%-$101.62
CPBSold Out-$682.16$45.48-0.04%$46.381.98%-$13.54
AMGNSold Out-$775.64$193.91-0.05%$199.252.75%-$21.36
WLKSold Out-$799.50$34.76-0.05%$35.602.41%-$19.30
NTRSold Out-$865.42$28.85-0.05%$32.8613.91%-$120.38
WFCSold Out-$919.59$28.74-0.06%$26.95-6.22%$57.19
RHISold Out-$929.61$35.75-0.06%$37.003.48%-$32.39
KTBSold Out-$957.67$29.93-0.06%$16.51-44.83%$429.35
CAROSold Out-$1,155.47$23.11-0.07%$24.506.02%-$69.53
AXPSold Out-$1,199.65$74.98-0.07%$79.375.86%-$70.27
MRKSold Out-$1,206.65$70.98-0.07%$74.204.54%-$54.75
MDLZSold Out-$1,215.61$45.02-0.07%$48.928.66%-$105.23
TLKSold Out-$1,241.74$17.25-0.07%$18.487.15%-$88.82
PGSold Out-$1,351.64$103.97-0.08%$110.236.02%-$81.35
TROWSold Out-$1,364.65$90.98-0.08%$94.273.62%-$49.40
WBASold Out-$1,517.67$45.99-0.09%$44.61-3.00%$45.54
CVXSold Out-$1,614.72$59.80-0.10%$69.9116.90%-$272.85
BENSold Out-$1,630.82$16.99-0.10%$15.97-5.99%$97.70
GPSSold Out-$1,699.60$8.50-0.10%$6.45-24.10%$409.60
SBRCYSold Out-$1,832.06$9.30-0.11%$9.27-0.32%$5.87
SBSSold Out-$1,914.16$6.24-0.11%$7.0412.91%-$247.12
HPESold Out-$1,935.56$8.80-0.12%$9.376.50%-$125.84
BVNSold Out-$2,086.75$7.40-0.13%$6.98-5.67%$118.39
DESold Out-$2,488.13$118.48-0.15%$132.1011.49%-$285.97
PROSYSold Out-$2,770.71$12.15-0.17%$13.087.63%-$211.53
YYSold Out-$2,795.54$48.20-0.17%$54.0012.04%-$336.46
HPQSold Out-$3,189.53$14.50-0.19%$15.9710.15%-$323.87
TGTSold Out-$3,231.63$100.99-0.19%$91.99-8.91%$287.95
RBCAASold Out-$3,679.71$31.18-0.22%$31.13-0.17%$6.37
JNJSold Out-$3,839.62$119.99-0.23%$128.276.90%-$265.02
VEASold Out-$3,891.50$30.88-0.23%$32.364.78%-$185.86
PEPReduce-$5,084.62$112.99-0.30%$118.965.28%-$268.58
RLSold Out-$5,240.39$68.95-0.31%$64.61-6.30%$330.03
NPSNYSold Out-$6,384.43$28.00-0.38%$27.12-3.15%$201.07
CERNReduce-$7,049.27$60.56-0.42%$60.47-0.15%$10.31
IJRReduce-$7,309.60$53.75-0.44%$53.57-0.33%$24.08
NVOSold Out-$8,288.74$50.85-0.50%$59.7917.58%-$1,457.03
GWWSold Out-$9,101.10$245.98-0.55%$240.31-2.30%$209.63
ULSold Out-$10,382.87$45.34-0.62%$49.749.70%-$1,007.59
INTCSold Out-$11,269.32$46.00-0.68%$52.9015.01%-$1,691.18
MCDSold Out-$11,303.52$156.99-0.68%$158.901.21%-$137.28
VFCSold Out-$12,615.78$55.58-0.76%$51.17-7.93%$1,000.19
Bought$152,078.489.11%7.41%$11,274.13
Sold-$157,720.02-9.44%2.88%-$4,535.29
Net-$5,641.54-0.33%119.45%$6,738.83
Purchases
This month was by far the biggest in terms of trading activity, as I took advantage of the fast and furious COVID bear market to harvest losses and reinvest the proceeds to buy stocks on sale. 

I made an unprecedented 47 stocks buys this month, including 7 new buys to include 2 airlines (UAL and SAVE), 2 cruises (NCLH and RCL), 1 taxi (UBER), 1 energy ((OXY), and 1 small cap fund (FZIPX), all of which dropped a lot more than than overall market and should rebound sharply once the crisis is over.

The smaller dollar amount of my purchases are part of my monthly investment plans and DRIPs.

Sales
I sold a ton of stocks ($157,720.02 net proceeds) that either showed losses to harvest or paid a large dividend (>3%) to reduce my future tax liabilities. My current annual projected dividend of $15k is now significantly less than $19k last month. This will save me a ton of taxes over time. Thank you COVID BEAR!! A bear market is really the investor's godsend tax break.

If the sell-off continues, I will continue selling high dividend payers and reinvest in no or low dividend stocks to reduce taxes.