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HPE Equity Plan Grant Date December 2018
454 shares HPE @ ~$23 = $10,500 less taxes
Number of HPE shares will stay the same, but value will go down with each spin-merge.
TD Ameritrade 168 shares HPE @ ~23 in TD Ameritrade = $4,000 ESCSC Spinmerge Grant Date ??? 454 shares ESCSC @ $x.xx Amount and price of shares is not set, so there is no way to tell if the overall value of the grant will increase or decrease. Whether Grant Date is pulled forward is not clear.
TD Ameritrade
168 shares HPE @ ~$x.xx in TD Ameritrade = $2,000
168 shares ESCSC @ ~$x.xx in TD Ameritrade = $2,000
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ESCSC Merge Stock Grant
NeuroGoal Process on Exponentially Expanding Wealth
Exponentially Expanding Wealth
My net worth expands exponentially.
Goal Process
Okay, we’re going to begin. You may keep your eyes open or closed as you like.
Are you nervous or excited about doing this process?
Proceed with Neutralize Protocol
How do you feel?
Proceed with Neutralize Protocol
Do you have any doubts about running this process correctly?
Proceed with Neutralize Protocol
Now, put your attention on a goal you wish to achieve.
Do you have any expectations for the results of this process relative to the goal?
Proceed with Neutralize Protocol
Is there something about this goal you think you may never be handled?
Proceed with Neutralize Protocol
Is there a part of this goal that you can’t imagine coming about?
Proceed with Neutralize Protocol
Are you creating an idea that you’ve failed in this goal before?
Proceed with Neutralize Protocol
Are you creating an idea you will fail in this goal in the future
Proceed with Neutralize Protocol
Regarding you goal, are you creating a lack of physical ability?
Proceed with Neutralize Protocol
Regarding your goal, are you creating a emotional barrier or fear?
Proceed with Neutralize Protocol
Regarding your goal, are you creating a lack of knowledge?
Proceed with Neutralize Protocol
Regarding your goal are you creating a lack of spiritual presence?
Proceed with Neutralize Protocol
Create an impression of yourself when you first decided upon your goal.
Now create an impression of every obstacle you have so far overcome, since deciding on your goal.
Now create an impression of the person who you think you need to be, to achieve the goal.
Experience what that person is doing as they achieve their goal.
Experience what that person is seeing as they achieve their goal.
Experience what that person is hearing as they achieve their goal.
Experience who that person is with as they achieve their goal.
Experience that person receiving or spending money if required to achieve their goal.
Experience that person thinking the thoughts required to achieve their goal.
Experience that person feeling the emotions required to achieve their goal.
Proceed with
Experience that person feeling the frustration required to achieve their goal.
Experience that person feeling elation at the achievement of their goal.
Now totally be the person who is experiencing all of those things.
Proceed with NeuroYou Protocol
Insights
Created my new identity as the person that will manifest this vision and live my wealth building creed:
Insights
Created my new identity as the person that will manifest this vision and live my wealth building creed:
- I will build wealth continuously, safely and exponentially
- I will build wealth by placing integrity and ethics first at all times.
- Building wealth allows me to become more of who I want to be.
- I qualify for amazing opportunities, happily receive money, gratefully take profits, and accumulate wealth rapidly.
Retirement Planning
OK, I admit I got a late start with retirement funding.
Sylvia and I have now got a net worth of $700,000. This year alone, my net worth increased over $250,000.
My current planning and action was all done in order to create and maintain net worth.
However, while not letting my eye off the ball of continuously increasing net worth, I need to start creating a similar mental model of how that net worth will translate into monthly income at retirement.
Social Security - Peter $2500 a month
Social Security - Sylvia $1500 a month
Lets assume I could create ten investment properties that were paid off by the time I retire at 67.
How will I create ten investment properties
Eden2 - $200,000K US
Grimlinghauserstraase - $500,000K US
$700,000k
75% leverage = $2.8 million in real estate
= About $10,000 in cashflow a month
The real gain is in capital gains. Which means timing of when to sell and buy, if you assume the market is cyclic.
It is 2017 now. I am 67 in 2037. That's twenty years
So properties have to be paid off in less than a 30 year mortgage.
A large chunk of the benefit of owning investment property is the fact that the interest is tax deductible. That acts as a disincentive to pay them off. But, if the goal is to have them paid off and creating cash flow, I would have to pay off significant amounts of additional principal, early in the
So, is it better to pay them off, or use additional capital to buy more properties?
The ways you make money in investment property are:
1. Capital gains
2. Depreciation deduction
3. Mortgage interest is a business cost.
Buying more properties::
1. Increases opportunity for capital appreciation
2. Increases depreciation to offset income
3. Increases cash flow
4. Creates additional complexity and cost
5. Increases potential risk
Paying down existing properties:
1. Increases equity in the property being paid off
2. Decreases availability of free capital (increases cash flow risk)
3. Decreases overall risk by having decreasing leverage.
Net worth impact is the same for additional strategy.
What is my free cash flow income target at 67.
To maximise our social security benefits we should not start receiving social security until age 67.
Target retirement income is $10,000 a month for 20 years, then assume some kind of managed care for 10 years.
I need concrete income calculations and draw down calculations that answer some of the following questions.
- How much will my 401 K type savings last.
I need to understand better the cash flow that a property investment portfolio could generate, and how to use that cash to minimize tax and maximise income.
Social security makes up 90% of their income from 35 percent of retirees
Social security makes up 50% of the income of 60 percent of retirees
Monitor the gains I make from my 401K to see how much I would make trading mutual funds in my 401K.
What is the balance I would need in my 401k to be able to make income from regular trading and from ownership of dividend and capital gains distributions.
If I had $1,000,000 in my 401K, and was trading $100,000 (10% of the total balance) in each trade:
- A 3% gain would be $3000 in profit. After tax that would be $2500
It's realistic that I could make 2-3 3% trades each month. That would be between $5000 and $10,000 per month, or $3750 and $7500 after tax.
The target is to create a clear plan for $10,000 after tax income per month
See which funds can be used to provide monthly income.
Sylvia and I have now got a net worth of $700,000. This year alone, my net worth increased over $250,000.
My current planning and action was all done in order to create and maintain net worth.
However, while not letting my eye off the ball of continuously increasing net worth, I need to start creating a similar mental model of how that net worth will translate into monthly income at retirement.
Social Security - Peter $2500 a month
Social Security - Sylvia $1500 a month
Lets assume I could create ten investment properties that were paid off by the time I retire at 67.
How will I create ten investment properties
Eden2 - $200,000K US
Grimlinghauserstraase - $500,000K US
$700,000k
75% leverage = $2.8 million in real estate
= About $10,000 in cashflow a month
The real gain is in capital gains. Which means timing of when to sell and buy, if you assume the market is cyclic.
It is 2017 now. I am 67 in 2037. That's twenty years
So properties have to be paid off in less than a 30 year mortgage.
A large chunk of the benefit of owning investment property is the fact that the interest is tax deductible. That acts as a disincentive to pay them off. But, if the goal is to have them paid off and creating cash flow, I would have to pay off significant amounts of additional principal, early in the
So, is it better to pay them off, or use additional capital to buy more properties?
The ways you make money in investment property are:
1. Capital gains
2. Depreciation deduction
3. Mortgage interest is a business cost.
Buying more properties::
1. Increases opportunity for capital appreciation
2. Increases depreciation to offset income
3. Increases cash flow
4. Creates additional complexity and cost
5. Increases potential risk
Paying down existing properties:
1. Increases equity in the property being paid off
2. Decreases availability of free capital (increases cash flow risk)
3. Decreases overall risk by having decreasing leverage.
Net worth impact is the same for additional strategy.
What is my free cash flow income target at 67.
To maximise our social security benefits we should not start receiving social security until age 67.
Target retirement income is $10,000 a month for 20 years, then assume some kind of managed care for 10 years.
I need concrete income calculations and draw down calculations that answer some of the following questions.
- How much will my 401 K type savings last.
Social security makes up 90% of their income from 35 percent of retirees
Social security makes up 50% of the income of 60 percent of retirees
Monitor the gains I make from my 401K to see how much I would make trading mutual funds in my 401K.
What is the balance I would need in my 401k to be able to make income from regular trading and from ownership of dividend and capital gains distributions.
If I had $1,000,000 in my 401K, and was trading $100,000 (10% of the total balance) in each trade:
- A 3% gain would be $3000 in profit. After tax that would be $2500
It's realistic that I could make 2-3 3% trades each month. That would be between $5000 and $10,000 per month, or $3750 and $7500 after tax.
The target is to create a clear plan for $10,000 after tax income per month
See which funds can be used to provide monthly income.
EDS Retirement Rollover into IRA
Significant financial event today. The EDS retirement plan from my time as an EDS employee was paid out as a tax free rollover into my retirement savings account.
The payout far exceeded the $14,537 cash value which was recorded in the EDS Pension statement, or the the lump-sum payment when the program was announced of $19,074.
The actual payment was $23,999
This amount goes into Rollover IRA which I can manage similar to my brokerage account, or perhaps put in a retirement age based fund.
The payout far exceeded the $14,537 cash value which was recorded in the EDS Pension statement, or the the lump-sum payment when the program was announced of $19,074.
The actual payment was $23,999
This amount goes into Rollover IRA which I can manage similar to my brokerage account, or perhaps put in a retirement age based fund.
Sylvia Finances Monthly Tasks
1. Open file on Peter's OneDrive > Sylvia > Finances > 2016 > Sylvia Finances 2016.xlsx
2. Login to Chase
3. Download statements for following accounts. Save the statements in the Finances > 2016 folder
- Checking 9727
- Credit Card 9294
- Credit Card 3837
- Business Saving 5976
4. Update appropriate sheet in Excel to paste the transaction data
5. Use formulas to copy the monthly data from each account to the Income and Expenses sheet
6. Review the profit and loss for the month on the Business Summary sheet
2. Login to Chase
3. Download statements for following accounts. Save the statements in the Finances > 2016 folder
- Checking 9727
- Credit Card 9294
- Credit Card 3837
- Business Saving 5976
4. Update appropriate sheet in Excel to paste the transaction data
5. Use formulas to copy the monthly data from each account to the Income and Expenses sheet
6. Review the profit and loss for the month on the Business Summary sheet
Stock Trading Reset
Shocking realization today:
I created several new calculations on my trading spreadsheet.
The first column was a cumulative profit per stock figure, where I could see how much profit I made over all the trades done for a particular stock
The second column was a running total of the long term profit over all the trades I had recorded.
The shocking thing was that basically my profits were cancelled out by my losses. This implies that effectively I would have done much better simply sticking my money in a monthly income fund like Realty Income, and collecting a small dividend every month.
In fact, if I had put all my available investment dollars in Realty Income in 2008, I would have probably made 200-300% gain.
In my 401K, I've been more successful at training myself to demand that my account balance increase every month
Here is a strategy idea for my stock trading. What if at the end of every month, if I haven't increased my balance, I sell any losing stocks in order to reduce further losses?
If my goal is to see my monthly trading account balance increase every month, how would that change my choice of investments?
It has worked well for my 401K. This is a a kind of trigger approach, where I make conservative investments based on my RSI and EMA trading patterns, then take gains in such a way that my account balance keeps increasing every month. If this means I gravitate to income type investments, this is probably a good thing.
I created several new calculations on my trading spreadsheet.
The first column was a cumulative profit per stock figure, where I could see how much profit I made over all the trades done for a particular stock
The second column was a running total of the long term profit over all the trades I had recorded.
The shocking thing was that basically my profits were cancelled out by my losses. This implies that effectively I would have done much better simply sticking my money in a monthly income fund like Realty Income, and collecting a small dividend every month.
In fact, if I had put all my available investment dollars in Realty Income in 2008, I would have probably made 200-300% gain.
In my 401K, I've been more successful at training myself to demand that my account balance increase every month
Here is a strategy idea for my stock trading. What if at the end of every month, if I haven't increased my balance, I sell any losing stocks in order to reduce further losses?
If my goal is to see my monthly trading account balance increase every month, how would that change my choice of investments?
It has worked well for my 401K. This is a a kind of trigger approach, where I make conservative investments based on my RSI and EMA trading patterns, then take gains in such a way that my account balance keeps increasing every month. If this means I gravitate to income type investments, this is probably a good thing.
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