Saturday, October 22, 2016

Investing Update 10/22/2016

Hello and welcome to my weekly investing update!

General Updates

It seems like it's going to take forever to pass the $2,000 portfolio value. If I keep adding money when stocks are down, then when stocks do go back up, I'll fly right past the $2,000 portfolio value mark.

New Stock/Adding Shares

I bought another share of AT&T (T) stock this week! I bought this share at $37.40. The stock dropped ~3% on Friday, so instead of viewing it as a bad thing, I viewed it as a good thing, and bought another share.

It appears that AT&T is buying Time Warner. I guess AT&T stock went down because they're spending a lot of money, even though it's money spent to theoretically help the business long-term.

I assume AT&T will increase their dividend to $0.49/share starting next quarter, based off of previous dividends. This is not guaranteed, I'm just projecting.


  • T - ($0.49 x 4 payments/year) / $35.65 average purchase price = 5.50% yield - great! 


Dividends

I received two dividends this past week -

10/17/2016USBankUSB$0.28
10/17/2016Realty IncomeO$0.20


Year-To-Date Update

1/1/201610/21/2016Change since Jan 1stAverage/Week
Robinhood Portfolio Value$607.87$1,875.74$1,267.87
Money from my pocket$550.00$1,674.00$1,124.00$27.13
Dividends$9.79$45.21$35.42$0.85
Gains/Realized & Unrealized$48.08$156.53$108.45

Robinhood Portfolio Value = (Money from my pocket) + (Dividends) + (Gains/Realized & Unrealized)


2016 Investing Missions


2016 MissionAmount I haveAmount Needed% Complete
Old Brokerage Dividends$6.90
Robinhood App Dividends$35.42
2016 Dividends Received$42.32$75.0056.43%
Purchase 25 Dividend Stocks3025120.00%
2016 Calendar Year29036679.23%

You can click on the investing tab or here to see what stocks I currently have in my Robinhood portfolio.

Signed,

Mitch

Thursday, October 20, 2016

Self-Driving Cars

https://www.tesla.com/autopilot

I am so excited. Self-driving cars are on their way. Google has been working on them, and Tesla has too. With Tesla's update on self-driving cars, hopefully self-driving cars will be on the road before 2020. I am so looking forward to this because I do not like driving at all.

I see how selfish people are when they drive. I see how impatient people are when they drive. I see how careless people are when they drive. Self-driving cars will help all of these issues. It will also benefit the earth, with fewer carbon emissions since fewer cars will be on the road. As car-sharing and companies like UBER and Lyft continue to innovate, you'll be able to drive in a car that isn't yours, and pay a fee for using it. I hope and fully expect these fees to cost less than actually owning a car.

Google understands the coming change. Tesla understands the coming change. UBER understands the coming change. How long did Ford and General Motors have to figure out this coming change? They had a huge head start on the auto-industry, and now the technology industry is kicking their butts. It's a reminder to keep innovating, keep research and development up, and to keep thinking outside of the box. If you don't, another competitor is going to steal your business.

Signed,

Mitch

Wednesday, October 19, 2016

Elon Musk's Companies

In the back of my mind, I know Elon Musk is doing great things for humanity. I've yet to get on the hype train for Elon Musk, and I think this is the same for a lot of people. If someone talks about Steve Jobs, you start thinking about what an innovative, creative genius he was. Well, a lot of people think that, besides my friend Press. Press views him as a self-centered, child-ignoring jerk.

Anyways, Elon Musk is doing a lot of great things and I need to start paying more attention to him. I don't think electric cars would be as far along as they are if it wasn't for him and Tesla. Companies need competition. I firmly believe that COMPETITION is good for consumers. I don't know much about SpaceX, but if we royally screw up Earth, SpaceX might be our only hope to settle on another planet.

So I want to look at two companies that Elon Musk is a part of, Tesla and Solar City.

Solar City - http://www.solarcity.com/ - Stock Ticker SCTY - Stock Price closed today at $20.14.

Tesla - https://www.tesla.com/ - Stock Ticker TSLA - Stock Price closed today at at $199.10.

Solar City, working on solar powered energy, is very exciting to me. I've been interested in solar energy since I was kid playing Sim City 2000 on my computer. Unfortunately, with things I've read, the market for solar energy isn't stable.

Tesla is best known for electric cars. I'm not in the market for a new car, nor could I afford a Tesla. I think I'll be driving a gas car for about 10 more years, and then I think electric cars will be pretty affordable for the average person.

I'm interested in buying one of these stocks. Neither one of these companies pays dividends, but they are SUPER earth/green conscious. If I decide to buy Tesla stock, I'll have to sell some stocks to be able to afford it. I think buying one of these stocks would put me in the mindset more of respecting Elon Musk and learning more about the great things he's doing.

Signed,

Mitch

Monday, October 17, 2016

October 17th, 2014

This day, two years ago, was one of the worst days of my life. It was a Friday afternoon and I was at work. I was walking through the production floor of the plant I worked at, and an older lady came up and asked me to help un-jam a box on a conveyor belt. I bent over the conveyor belt, with the improper lifting technique, and pulled on the box. I was basically at a 90 degree angle bent over, and pulled up an over 100 pound box of meat.

In that moment immediately after pulling up the box, I knew how big of a mistake I'd made. In an instant I knew what a hernia was (whether or not I had one, of if I was going to get one). I instantly had empathy for anyone who had gotten hurt in a production plant.

I was too scared to report what happened, for fear of getting in huge trouble or getting fired. I eventually told health services what happened, because after a week, my stomach and back were still in pain. I was so depressed about what happened that I was sleeping about 11 hours a day for the week after I reported what happened. I made a ton of mistakes with that whole accident, but the biggest mistake I made was putting the plant's well-being over my well-being.

I knew in that day I wasn't going to stay at my job. I knew in that day that things were going to change. This was a mere two weeks after moving into the house I just bought. My whole life, that I just changed, I knew was going to change again.

I'm still not recovered from that accident, or my time at my old job/living location. I'm not recovered mentally or physically. I believe I'm overly nice to people now, out of response to being treated so badly at my old job. Also because I discovered how fragile life can be and how quickly it can change. I just don't see the need to add negativity in other people's lives when negativity comes so easily.

So, a pretty personal story, but this day holds some weight in my life. This event, two years later, is still affecting me.

Signed,

Mitch

Sunday, October 16, 2016

Start this Monday Strong

Let's all try and accomplish one important thing tomorrow. It's the start of a new week and I'm actually starting to enjoy the weather again (I hate the end of September/early October). Let's all just pick one thing we wanted to get done this week and do it. That can be our weekly Mission. 

It's a decently fun time of year - politics, football games, baseball playoffs, pumpkin patches, apple picking, hay rides, Halloween. There is a lot of stuff going on and it's easy to be distracted by it. I'm serious when I say I'm going to pick one big thing this week and get it done. No other distractions and Missions. One thing to set this week off strong and get the ball rolling for the rest of the year. 

Signed,

Mitch

Friday, October 14, 2016

Investing Update 10/14/2016

Hello and welcome to my weekly investing update!

General Updates

I did not following stocks that closely this week. I didn't feel confident I could add a ton of money to my portfolio this week, so that was one of the reasons for my lack of attention to the market.

New Stock

I bought another share of Ford (F) stock this week! I talked earlier this week about whether I wanted to keep Ford or sell my shares. You might think that by buying another share of Ford that I've decided to keep it and not sell. I'm still deciding. The stock price went down, so I bought another share and averaged down. Whether I sell or keep the stocks, buying when the price goes down is good. The only time it's bad is if the stock keeps going down forever.

I bought another share of Ford for $11.97 and I now have 3 shares of Ford.

F - ($0.15 x 4 payments/year) / $13.01 average purchase price = 4.61% yield - good!


Dividends

I received two dividends this past week -

10/11/2016DDR Corp.DDR$0.38
10/14/2016Whole FoodsWFM$0.41


Let's look at my dividend yields for these stocks

  • DDR - ($0.19 x 4 payments/year) / $18.04 average purchase price = 4.21% yield - good!
  • WFM ($0.135 x 4 payments/year) / $30.33 average purchase price = 1.78% yield - eh.....

Year-To-Date Update

1/1/201610/14/2016Change since Jan 1stAverage/Week
Robinhood Portfolio Value$607.87$1,859.38$1,251.51
Money from my pocket$550.00$1,642.00$1,092.00$27.11
Dividends$9.79$44.73$34.94$0.87
Gains/Realized & Unrealized$48.08$172.65$124.57


Robinhood Portfolio Value = (Money from my pocket) + (Dividends) + (Gains/Realized & Unrealized)


2016 Investing Missions


2016 MissionAmount I haveAmount Needed% Complete
Old Brokerage Dividends$6.90
Robinhood App Dividends$34.94
2016 Dividends Received$41.84$75.0055.79%
Purchase 25 Dividend Stocks3025120.00%
2016 Calendar Year28236677.05%

You can click on the investing tab or here to see what stocks I currently have in my Robinhood portfolio.

Signed,

Mitch

Thursday, October 13, 2016

Mall of America


The Mall of America will not be open on Thanksgiving day this year. This statement by the Mall of America shows leadership in my opinion. I was looking for an online article to share here about the mall closing on Thanksgiving, but I didn't find any sites I liked. The time of year where bloggers will be talking about anti-consumerism is coming up.

Last year, I stayed home on Black Friday and watched the Star Wars Episode VII trailer. I'll have to find something as fun to do this year. I've been trying to shift my mindset to not wanting to buy stuff around the holiday season. Yes, I agree, there are good deals around the holidays. BUT, I don't NEED to buy anything else. I pretty much have everything I need.

So, I'm pretty happy the Mall of America is making this statement and maybe in a few years this Black Friday crap will be over.

Signed,

Mitch

Wednesday, October 12, 2016

Are you staying in my portfolio or nah?

One of my investing Missions this week was to see if a few stocks are going to stay in my Robinhood portfolio for the long term. I've mostly been thinking about selling Ford (F) and US Bancorp (USB - Essentially US Bank as far as I can tell).

My Ford stock hasn't gone up and I don't know if it will any time soon. Now Mitch, aren't you concern with dividend-paying stocks? Yes. BUT, if Ford keeps continuing to go down in share price, that's not a good sign. I'm also not sure if Ford can keep up with all of the changes going on in the auto-industry: self-driving cars, ride-sharing (Uber/Lyft), and electric cars. I feel like Ford used to be very innovative and maybe just got complacent and stopped innovating. I feel like Tesla shouldn't even be around if the traditional car companies had continued to innovate and improve their vehicles. So those are some of my reasons for potentially dumping Ford.

As far as US Bancorp goes, I'm just not thrilled with investing in a big bank. I'm not a fan of big banks, especially Wells Fargo (they wouldn't work with me when my house wouldn't sell and I ended up getting foreclosed). I do live in Minnesota, and US Bank is based out of Minnesota. They also sponsored the new Vikings stadium, which is decently cool.

I was looking at the sustainability pages for both Ford and US Bancorp. Both sites look pretty good, with a lot of numbers and information on current and future progress. I want to be clear though, it's my OPINION that most companies promote sustainability because it looks good. At my old job, it cost us money to do a recycling programs, but it made the company look good. Below is information from both companies' websites.

US Bancorp - https://www.usbank.com/community/environmental-sustainability.aspx

Ford - http://corporate.ford.com/microsites/sustainability-report-2015-16/sustainability-strategies.html

I'm decently happy with the information on the sustainability efforts. I'll need to do some stock analysis and I'll make my final decision if I'm going to keep or sell Ford and US Bancorp stocks.

Signed,

Mitch

Tuesday, October 11, 2016

Friend Missing from Snapchat

I messaged my friend yesterday and asked "Did you delete Snapchat?". My friend, we'll call him Kylo Ren, responded that they took me off Snapchat because one of my other friends, we'll call him Finn, was being rude to them. Finn jokes around and was sending rude snaps to Kylo Ren saying that Finn and I are better friends than Kylo Ren and I are. I guess this struck a chord with Kylo Ren and he took me off Snapchat. The intent wasn't malicious, but the impact had an effect. 

It took me a little while to realize that Kylo Ren wasn't on Snapchat anymore, and after reflecting on it, it was kind of nice. Kylo Ren was a close from from college, and we no longer live by each other. Whenever I talk to Kylo Ren, I think of the past and about things I never got to do. Kylo Ren is very successful at his job, is practically engaged, and can grow a nicer beard than me (Yes, I'm comparing myself to him). When I talk to him, I think I subconsciously feel worse about myself and I also think about the past when we were at college together. Not having him on Snapchat removed seeing pictures and videos of things that bring me down and/or remind me of the past. 

Is it great that I can keep in touch with old friends through social media? Yes. Is it great that this contact is keeping me in the past and making me sad? No. 

Kylo Ren and I are friends on Snapchat again, but it made me start thinking about avenues to limit my time spent on seeing social media posts from people I no longer live by. I really wish Google+ would have worked out, because the "circles" feature would have been great for times like this. 

Signed,

Mitch

Monday, October 10, 2016

People Talk Too Much

Talking in groups takes balance. If you're in a meeting with people, it can be hard to make your voice heard. If you talk too much, you could be viewed as bossy, self-centered, or trying to impress the boss. If you don't talk at all, you could be seen as disinterested, bored, or people might think you're better than the group. Also, workmates try and establish their rank or dominance by talking over you during a group meeting.

I find myself becoming more and more frustrated with group meetings. I don't speak too much because I don't like interrupting people, but this leads me with little room to talk. Sometimes discussions get on tangents that I have no idea what the group is talking about, and I eventually start thinking about other things. I'm a firm believer that everyone should get a chance to speak and everyone has an equal voice. I believe loud-mouth people need to shut up.

OK Mitch, what does this have to do with your blog? Well, for one, I think I needed a space to vent and to finally get a chance to speak! Also, being in groups that aren't fun seem like a waste of time. We need to be doing stuff that makes us happy and working towards our own Missions. I believe people talk excessively to fill up time. We fill up time when we aren't prepared, or when we are nervous. Why aren't we prepared? Because work life and real life are cluttered with a lot of pointless things.

I believe there's a lot of other psychological reasons people talk a lot, and I won't get into them here. I ask that if you're a group meeting and you feel like you're taking up a lot of time, give someone else the chance to speak.

Signed,

Mitch

Sunday, October 9, 2016

Missions for Week Ending 10/15/2016

Here is a summary of my Missions this week!

Minimalism - Sort through summer clothing and box up what I'll keep for next year.

Investing - Review my stocks that I may not hold long-term anymore (Ford and US Bank).

Technology - Review a cool app.

Conservation - Continue reducing my consumption of plastic bottles and plan out how to make this sustainable.

Health - Walk 10,000+ steps each day this week. Also, not place last in my workweek challenge!

I hope you all have a good week. The seasons are changing, so remember to get some sun when you can, and dress warmer if you live in a northern state like me!

Signed,

Mitch

Saturday, October 8, 2016

Possible Social Media Break

I'm getting tired of Facebook again. Between politics, sports, and enagagement/wedding photos, I'm getting tired of looking at Facebook. I've gone on social media breaks in the past and I did enjoy them. There were times I felt out of the loop, but I believe it was beneficial.

Another thing that annoys me is never seeing any progress. People share their opinions, but I don't see actions coming from those thoughts/opinions. Just talking isn't going to change the world. My ongoing struggle is that I love Facebook Messenger, and it's my favorite messaging platform. Not logging into Facebook on my computer means I can't use Facebook Messenger on the computer.

I removed people from Snapchat earlier this year, and that is a decision I stand by. I've also unfollowed people on Facebook; another good decision. I don't know if I'll put myself on a schedule from not getting on Facebook, I might just log off and see how it goes. I normally would say I'd go a week or two weeks without it, but this time I might not put a limit on it.

Is anyone else thinking of going on a Facebook or social media break?

Signed,

Mitch

Friday, October 7, 2016

Investing Update 10/7/2016

Hello and welcome to my weekly investing update!

General Updates

I really haven't looked into Robinhood Gold much since last week. The biggest question I have right now is whether the monthly cost of Robinhood Gold is billed within the app or is billed to the Google Play Store or the App Store.

New Stock

No new stock purchases this week.

Dividends

I received two dividends this past week -

10/3/2016Coca ColaKO$0.35
10/5/2016Hewlett PackardHPQ$0.12


Let's look at my dividend yields for these stocks


  • KO - ($0.35 x 4 payments/year) / $44.55 purchase price = 3.15% yield - good!
  • HPQ ($0.12 x 4 payments/year) / $11.52 purchase price = 4.17% yield - good!


Both of these dividends are above 3%. Nice!


Year-To-Date Update

1/1/201610/7/2016Change since Jan 1stAverage/Week
Robinhood Portfolio Value$607.87$1,856.69$1,248.82
Money from my pocket$550.00$1,627.00$1,077.00$27.41
Dividends$9.79$43.94$34.15$0.87
Gains/Realized & Unrealized$48.08$185.75$137.67


Robinhood Portfolio Value = (Money from my pocket) + (Dividends) + (Gains/Realized & Unrealized)


2016 Investing Missions


2016 MissionAmount I haveAmount Needed% Complete
Old Brokerage Dividends$6.90
Robinhood App Dividends$34.15
2016 Dividends Received$41.05$75.0054.73%
Purchase 25 Dividend Stocks3025120.00%
2016 Calendar Year27536675.14%


You can click on the investing tab or here to see what stocks I currently have in my Robinhood portfolio.

Signed,

Mitch

Thursday, October 6, 2016

How Many Shares does Apple Have?

On my Robinhood account I'm buying stocks that pay dividends. Another thing that interests me is when companies buy their own stock. When a company does this, the supply of the stock goes down, so hopefully the demand goes up - (Economics 101: Supply and Demand are inverses of each other). When the demand goes up, the price of the stock goes up, and you "make more money". You don't actually make the money until you sell the stock.

Apple has been buying back their stock, which can be seen by looking at the quarterly financial statements - http://investor.apple.com/financials.cfm. The reason I usually use Apple for investing examples is because a lot of people know what Apple is.

I don't really understand the difference between basic and diluted shares when calculating these financial statements. I tried looking it up, but I was still confused. For the sake of this blog post, I'm going to go with the "basic" number of shares. Below are the number of basic shares since Fiscal Year 2014, Quarter 1. Yes, these numbers are in billions.


  • FY14 Q1 - 6,272,504,000 
  • FY14 Q2 - 6,123,302,000
  • FY14 Q3 - 6,012,635,000
  • FY14 Q4 - 5,933,845,000
  • FY15Q1 - 5,843,082,000
  • FY15Q2 - 5,793,799,000
  • FY15Q3 - 5,729,886,000
  • FY15Q4 - 5,646,916,000
  • FY16Q1 - 5,558,930,000
  • FY16Q2 - 5,514,381,000
  • FY16Q3 - 5,443,058,000

As you can see from the numbers above, Apple has been buying back their stock. Even though the stock price of Apple hasn't moved much in over a year, I'm happy with holding on to my Apple stock due to this buyback and also due to Apple's dividend payments. 

If Apple needs more money, they can introduce more shares back into the market. Just because Apple is buying back their shares, it doesn't mean they'll continue to do it regularly until they've bought back all of their shares. 

I need to look at other companies and see if they're buying back their stocks too!

Signed,

Mitch




Wednesday, October 5, 2016

Thoughts on my old life

About two years ago now I was living in a house that I recently bought and working at a new job. I had received a promotion from work and left a great town in taking the promotion. I had a lot of reservations about the promotion and took it anyways. My feelings were right and I ended up having the worst year of my entire life.

It feels weird that it has been two years already. It was such a lonely and miserable time, and I can't believe I'm out of that terrible environment. I'm very happy where I'm at now, and sometimes I feel like my new life is a dream, and I'm going to wake up and be back in hell.

My views on life were radically changed in that one year and I'm going to give some insight on views that changed -


  • Talk to and reach out to your neighbors. No one ever came over to say "Hi" to me at my house and it was a terrible feeling. 
  • Don't be a jerk of a co-worker or boss. If you feel "big and important" by intimidating others at work, or by belittling others, you are a piece of crap. Find another outlet to make yourself feel important. 
  • Be a friend and listen to your friends. I had a friend who I would call every. single. day. He answered and took my calls every. single. day. I know he probably got tired of me complaining about work, but I had very little hope during that year, and he helped me out a lot. 
  • I've mentioned this before, and I'll mention it again - Don't get locked or anchored down into your place of work. Avoid contracts if you can. Flexibility gives you a choice and keeps YOU in control of YOUR life. Work doesn't own your life. Your job should be bending over backwards to keep YOU at work (as long as you're a good employee). 
These aren't all of my views that weren't changed, but it's a few important ones. I hope this can help someone avoid the hell I went through. If you're currently being a good friend to someone who is going through a tough time, and they don't say thanks, I'll say thank you for them. You should know how much they appreciate you. 

Signed,

Mitch


Tuesday, October 4, 2016

October 4th Google Keynote Event

Google had a keynote event today. If you want to watch it, here's the link (fast forward to 25 mins 36 seconds) - https://www.youtube.com/watch?v=q4y0KOeXViI

I'm not currently in the market for a new phone, but the new Google Pixel phone may be my next phone. One of the biggest things that sparked my interest was that if you have a Google Pixel phone, there is no limit for storage of photos and videos that are backed up on Google photos. As someone whose Google Drive/Photos is filling up from my videos, having unlimited space for videos is VERY appealing.

I will need to watch the keynote event in full, but apparently Google announced a new router too. I hope this means my OnHub router isn't going to become irrelevant! I follow the product lead for the OnHub router on Twitter, and he said Google's new router would work with the OnHub router. This makes me feel a little better, but I'm still worried.

If you want to look at the products yourself, there seems to be a consolidated site for all of the Google products - https://madeby.google.com/

The reason I bring the keynote up is to help make you aware that Google had a keynote. Apple's keynote every year is hyped up and presented as the "premiere event". Google has one too (and I think Microsoft as well). If you're on the fence on a new phone, know that the iPhone and now the Google Pixel, in my opinion, will be good choices.

Signed,

Mitch



Monday, October 3, 2016

I Have a Cold

I have a cold and it's annoying. I feel that getting a cold is inevitable during this time of year. I believe that the temperature changes, reduced sun, the looming winter, and increases in stress are what cause colds around later September/early October.

I ate a lot of Oranges last fall and I don't really remember getting sick. I haven't been eating oranges this year, and now I'm sick. Sleep, rest, exercise, and nutrition are all things to help prevent sickness. I know these things and I've heard them for years. Why don't I listen to them? Maybe because I've gotten by with sleeping too little, not exercising enough, and not eating the right foods. As I'm getting older, maybe it's going to start catching up with me?

For me, traveling wears me out, and especially in the fall. I don't know what it is, but the combination of the temperature changes throughout the day and the odd angles of the sun wear me out. I feel super exhausted after traveling in the fall versus the summer and winter. I think it's important for me to make sure I'm using these next few weekends to get rest and not run around and travel.

I always take for granted feeling well until I don't feel well. If you're not sick right now, enjoy it!

Signed,

Mitch

Sunday, October 2, 2016

Mondays, Work, Bosses, Bummer

Happy October! (I forgot to say this yesterday)

I got an e-mail from my boss on Friday that kind of bothered me all weekend. I don't think it's wise to send out e-mails like that on Friday afternoons, and I'll try to remember that when I'm a boss. I felt like my boss was too focused on finding something wrong with what I sent them, and missed the point of my original e-mail. So now this is going to create a few more e-mails back and forth to reexplain things, which I believe is wasteful.

This has gotten me thinking about all of the horrible interactions I had with my previous boss. I feel like giving some advice to those of you (us) that are struggling with our boss.
  • Have clear expectations about hours - This is a little easier if you're paid by the hour, since most places won't want to pay unnecessary overtime. 
    • If you're salaried, it's good to go over expected/minimum hours. This could change with the time of year or change with different projects. 
  • Have clear expectations about work priorities. If your plate is filling up, e-mail/call your boss about what should be made the highest priority. Then, when stuff doesn't get done, you've covered your butt. 
    • It sucks that we have to cover our butts, but that's the way the world works right now. 
  • Have clear expectations on how often you meet. If your boss is at your physical location, it's easier than if they work at a corporate office or another location. 
    • Make sure you're on time for those meetings!
  • Share issues with teammates/work mates/colleagues early. It doesn't even have to be anything that is considered being a "tattletale". Bring up issues early before a bigger conflict develops. 
  • Remember that "You work so you can live, you don't live so you can work." My friend's dad told me that a long time ago, and I've tried to remember it. 
  • Remember that your boss has to report to a boss too. If lots of your coworkers are quitting, it could be a sign of a bad boss, so don't beat yourself up. 

I hope this wasn't too much of a wall of text. I hope you all have a great Monday and don't let your boss ruin your day. 

Signed,

Mitch

Saturday, October 1, 2016

Losing my Unlimited Data

It's been a great run having unlimited data, and soon I'll have to say goodbye. We've decided to switch to the shared data pool to lower our phone bill. I still think Verizon is the best network, but this change may lead me to eventually switch to Google Fi. I think Google Fi (Project Fi I guess - https://fi.google.com/about/) is awesome, and I haven't switched yet because I still had unlimited data on Verizon. 

Project Fi uses the T-Mobile, Sprint, and US Cellular networks. I doubt they'll ever get AT&T or Verizon, since those two networks are so big. Recent commercials on TV from Sprint say they're just as good as Verizon (which I doubt), and the T-Mobile CEO has been pumping out some cool promotions, so maybe it's a good time to think about Project Fi. 

One of my good friends has Project Fi, and it's very straightforward. The billing/payments section is super straightforward, unlike Verizon, which is super confusing. 

So I'm saying goodbye to Verizon's unlimited data, and I'll see how I feel with limited data. If you have any tips on how to reduce data usage, let me know, because I've never really had to worry about it.

Signed,

Mitch