美联储加息

--after Trump elected, banks stocks jump high, I thought we would get a bit more interest from banks but it didn't happen. yesterday I tried to get $200 bonus from my bank if I open a new saving account and bring in $15,000(from our another bank).

the banker looking at our accounts(I have several accounts because the bonus) then told me already have the same saving account. then I told her brought $15000 new money. then she was highly interesting and tried to see whether any other way, but because we always open joint-type account so can't qualify.

bonus is the only way you can get  one time "interest-substitude" from banks.

for prepring tax report, I found out the mutual funds we bought from bank, OGEAX unit price in 4/1/13 was $35.559(IRA account dividends auto-buy, always high), 4/18/13 $35.22, 4/21/13 $35.3 and 12/15/2016 $35.04

mutual fund OLGAX 4/18/13 $25.31, 4/21/13 $25.35, 2/28/15 $36.55 3/16/15 $36.57 and 12/15/16 $32.09,  OSGIX about similar curve as OLGAX.

the worst we have is 401K FMAGX we bought 3/13/2000 unit price $133.57 kept down to 2/22/02 $97.57, 12/5/08 $42.37 12/28/11 $62.34 and 12/16/16 $92.4

when it is goes high I won't hyper because it is just magic digital number, not real unless you sell w/o buy any, and if you buy another high you probalbly didn't make money but pay for broker fee.

when we receive didvidends, I only pray our original cost still be the same. we have att stocks always received dividends but unit price kept down, just felt the dividends came from our principal(本金), same as other mutual funds especially during economic recession.

Any way we stop investing and spent more time in what we can enjoy from internet free programs.