I was just having such a good time last week and maybe that is why I forgot to pay my Bank of America credit card bill before the due date the way I usually do. It was due on the 22nd of July, so there I was getting ready to pay my bill, I set up an automatic payment for $76.03 and then I read that if the payment was made before 5 PM the bill could be paid the same day. That is 5 PM Eastern time!!, it was a bit past 2 PM Pacific time when I set up my payment so I was late.

I checked the next day to see if the transaction had gone through and I found myself with a $15 dollar late payment fee, thanks Bank of America. I just couldn’t believe it until I saw it with my own four eyes, I meant eyes. I have only myself to blame for that late fee and I am going to make sure that it never happens again. I want to make money and paying late fees sure doesn’t help the cause.

Oil has been the number one pain for investors for a while now, it seems that every time it goes up stocks go down and as a result most of us have been losing money. Well, oil was down last week and thanks to that I finally made some money. My account was up $11.05 and that officially broke my four week losing streak. I am hoping this is the start of a winning streak, we’ll find out the answer to that soon enough.

I had no trades last week.

My investments look like this now, 2 JPMorgan (JPM) shares, 3 Bank of America (BAC) shares, 8 Visa (V) shares, 10 Ford (F) shares, 10 Marvel (MVL) shares, 10 International Coal (ICO) shares and 10 Star (SBLK) shares.

I start this week with a total account value of $1,456.45

Welcome to another brand new 403-B/DCP report. This one doesn’t look quite as bad as previous ones and that is a relief. I was thinking of cashing out my 403-B and buying a bunch of lottery tickets but after thinking it through I wisely decided than that would be a bad idea. Let me forget I just wrote that and lets check those numbers instead. 

We all know why we invest right?. The answer is a very simple one, we want to be better off in the future with some millions or billions in the bank. Well, if you ever wanted to know what type of billionaire you would be just click on the banner below and once there you have to answer 15 questions and in the end it will tell you which type of billionaire you would be. I took the test and as you can see I would be a Philanthropist billionaire which believe it or not is the way I would be if I had a couple of million or billions laying around. Just a fun and different type of post today that I hope you enjoy.

What would you do with your money?

Here we are, starting a new and hopefully very productive week. We can talk about that next Monday but for now lets talk about last week. I had a good week that I didn’t think was going to be good because the week started on the down side but picked up after that. My account was down again but not that much, I lost $1.41 and that makes it four weeks in a row that I have lost money. I also noticed two mistakes, in last week’s report I forgot to add the $200 to my total account value and instead of 7/7/08 report I dated it 6/7/08, apologies. 

I had no trades last week.

My investments look like this now, 2 JPMorgan (JPM) shares, 3 Bank of America (BAC) shares, 8 Visa (V) shares, 10 Ford (F) shares, 10 Marvel (MVL) shares, 10 International Coal (ICO) shares and 10 Star (SBLK) shares.

I start this week with a total account value of $1,445.40