Date my money - third date on my money

Jan. 13, 2019

Introduction

It is my personal finance research. I learn that I need to date my money, I need to set up fourth date on my money. I documented my first three dates early this year by using tag "Date my money".

My fourth date

This one is not an easy date. I have a CD over $2600 New York community bank in the city of Boca Raton. It is not an IRA CD, I can break 6 years term. I like to break CD term of less than 2%, and I like to transfer to US Chase bank my checking account, and then I will write a personal check to my Canada scotia bank. I will go to kingmark to sell US dollars to get Canadian dollars.

It is a complicated date. I like to get into more structured way to describe and push myself to learn how to date better next time.

New York community bank - CD with six year term - break the contract
Chase bank - transfer $2600 US dollar to Chase bank
Scotia bank - US saving account - write a personal check from Chase and deposit to Scotia bank
Scotia bank - wait 21 business day, cash to sell in kingsmart, save personal check fee $7.5 dollars
Scotia bank - save 1.3 * 2600 Canada dollars. The rate is 1.32, 3348 Canadian dollars, 748 extra dollars.

That is my date, I will cover the loss of my three transactions from 2010 to 2017.

Learning process

US saving rate from 1.2 to 2.85% in Jan. 13, 2019.
But Canadian dollar worth lowest value compared to US dollar, now it is 0.75
I bought us dollars $3600 for a central AC for my boca raton Condo
I bought us dollars using Canadian dollars,  $22,000 Canadian dollars -> $18,000 US dollars
2010 April 23, I sold $17,000 dollars one deal -> $15,000 Canadian dollars

I learn from lottery winner, quickly gain and quickly loss. One thing I like to do is to protect myself to avoid this problem.

1999 I spent $2,000 on clothing
1999 I spent $6000 on material things, vacations, and restaurant, gadgets
2000 I spent $2,000 on clothing,
2000 I spent $6,000 on material things, my mom vacation, and restaurant, gadgets
2001 I spent $5000 on China vacation in August,
2001 I paid for six people vacation to Shanghai over near 2000 us dollars

What did I learn from those money mistakes? Am I bread winner hard working? Am I a lottery winner?

Date my money: 401K par tech fund transfer

April 15, 2019

Introduction

It is my personal finance research. I do not grow up very well, I should parent myself better from 2007 to 2019. I should invest time to learn stock market, capitalism. I just could not believe how hard it is for me to learn the economy last six months. I like to write  a story how I date my money today. It is my par tech 401K.

Date my money

I like to get familiar with the 401K software environment. I know that I have to be patient to myself, allow myself to learn and warm up. I just learn dollar cost average through one of my favorite financial planner. So I plan to adopt the strategy, and like to come out a plan how to transfer my fund into index fund.

One of ideas is to purchase $3000 US dollar to index fund once, and then forget about it.

Another idea is why is now? I do not like to time the market. The idea is to invest on index fund next 12 months, if there is a crash, then I will add more fund into index fund. I can make it longer, I like to take 3 years to transfer $3000 us dollars to index fund. I like to try dollar cost average and hopefully the price in next three years will go down and then up, so I can benefit more on value once the price goes up.

To warm up, I just transfer 4%, $200 US dollar to index fund first.

I just did purchase Jan. 2019 using Canada RRSP with Scotia bank. I just did quarterly review on RRSP. It went up over 10% this year.

Actionable Items

It is tough lesson for me to learn. I do not give myself long time horizon to learn personal finance. I started in Nov. 2018, over 50 years old. It is never too late. All I have to do is to date my money, learn and get familiar with concept, tools, and learn a few more strategies.

When opportunity comes, I will know what to do. I also can identify the opportunity as well.

Follow up 

Best date in the world. I love stock market and I like to learn how Capitalism works.

Three ideas to date my money in 2019

Dec. 28, 2018

Introduction

I spend last week of 2018 to work on my personal finance. I start to learn how to document my expenses carefully, and I like to cut down food expenses. I like to learn how to invest.

Date my money

I like to come out 10 ideas to date my money. I need to analyze my spending problem, separate wants from needs.

1. One thing is to find all possible receipts and I like to add all clothing expense from 2010 to 2018. I found $4,000 Canadian dollar receipt. I like to find more and figure out how to find them.

2. I like to find all missing saving from 2010 to 2018. I could not save 30% of my net income. I like to do some research how to find them.

3. I need to practice to set daily shopping upper limit to $100.00. I need to learn how to date my money, seek ideas how to save and train myself to think alternative, try to save 10% each time.

Actionable Items

Should I set cap value for clothing shopping?

I already spent over $4000 Canada dollars on clothes from 2010 to 2018, and I still look for more receipts and items from bank statements.

Good quality cloth lasts forever. I work as a software programmer, most of time I stay quiet whole day and do not need to communicate with coworkers at all. No one pays attentions to me, not even about what cloth I wear.

Date my money - move fund from US bank to Canada

Dec. 21, 2019

Introduction

It is so challenge to learn how to invest. As a person with research experience, I have to push myself to read and learn as much as I can, otherwise bear market comes, the best time to invest and accumulate the wealth, I will be scared and sell off instead. One thing is to put fund into Questrade.com, I have to date my money, and then do not let money sit in checking account earning zero interest, or CD earning 1.2 interest.

Date my money

I have to go out every day from Dec. 21 to January 2. I will work on my personal business, and work on other things as well.

I need to write a check to myself, and then deposit into Scotia bank, later I can deposit into Questrade.com.

Actionable Item

I just got the news, my rental property water heater does not work, after 20 years, I need to get a new one. I should keep those fund in US chase bank to pay my new water heater and installation.

Dec. 22, 2019 12:00 AM

I made a mistake, I should double check. The teller sold my US dollar to Canada dollar, and save it to my Canadian checking account. The rate is 1.2814.

I asked the teller to save the check into my US dollar account, after that, I will convert it to Canada dollar to a small place like Can-China Financial services Ltd. The rate today I asked is 1.306.

The difference is $3700 * ( 1.306 - 1.2814) = $91.02 Canadian dollars.

I will walk in Scotia bank next Monday afternoon, and ask if I can get refund and then save it to my US dollar account. I will have Monday afternoon off until January 2, 2020. The factory will be closed for holiday break.

It takes hard work to build wealth. I have to pay attention to small detail.

Dec. 22, 2019 9:47 am
The check is saved to US saving account.

What is on the receipt? why CAD equivalent is listed on receipt?

Having fun to date my money

January 8, 2019

Introduction

It is my personal finance research. I did study my three transactions to purchase Canadian dollars and US dollars in 2010 and 2017. I found out that I have to push myself to learn Canada economy and pay attention to the Canadian dollar value, and also watch market value carefully.

My interest

I have to learn basics of finance and market. One way is to date my money. I should go out to try to purchase small amount of US dollars from 2010 to 2018 at least once a year, so I can meet people in the market.

In December 2018, I also sold some US dollars in cash, I got some Canadian dollars. It is my first date.

In December 2018, I wrote a first US chase bank to myself first time after 2010 April. I wrote a $3,000 US dollars and then deposited into my Scotia bank US dollar saving account. I name it my second date to my money.

Case study: RBC bank and my date with mortgage

January 8, 2019

Introduction

It is my personal finance research. I came cross the article called cross border mortgage in google search. So I visited RBC bank today. I like to date my money, and try to get some mortgage advice.

Bank willing to work with US asset

I am banking with Scotia bank. I set an appointment with scotia bank and tried to sell RRSP fund and plan to purchase Scotia index fund. I like to get into index fund for next 12 months. I need to learn to watch the market and discipline my behavior. I did personal finance research and then I found out that I sold VIGRX in 2002 and then totally forgot it.

I am a single person but I should try to make opportunities for me to date my money, so I can learn from bank mortgage specialist and new graduate from top universities in Canada who works for those banks.

I know that the market is too high and a lot of people gambling the real estate. I should time the market and now it is too late.

Paper work to prepare

1. Last three month USA chase bank statements for my rental
2. My US asset last three month statements
3. My Canada asset last three month statements
4. My Property tax and condo association fee for rental property, rental income.
5. My social security in USA and other
6. 2016 T1 General
7. 2017 T1 General
8. Notice of assessment
9. 20% down payment

My personal finance research progress report - 2019-03

March 14, 2019

Introduction

It is the first time I decided to start personal finance research started from Nov. 2018. I also like to work on 10,000 hours in order for me to master basic principles, rules, and build very good personal finance habits. I may have spent over 500 hours to study on the personal finance research last 5 months.

Progress report

I like the personal finance research. It is a new world for me. I find that there are so many things to learn, books to read, videos to study, and ideas to think about; I do not have a lot of asset, but I spent 23 years in United States and Canada. This is the first time I like to get educated from youtube.com videos, books and talks.

I like to be a self-learner. I learn from my own experience to how to get a gold medal, top 4% rating from over 10,000 players on hakerrank.com. I know the term called mental toughness.

Here are some highlights I did, and I like to use them to showcase my progress.

1. I make a few purchases of Canadian dollars, called date my money in series, I, II, III, IV .
2. I did some case study based on my citi credit card statements from 1996 to 2017.
3. I also reviewed all documents based on papers, and documented them first.
4. I did spend time to learn stock market, economy, and money, and I find some good mentors.

Milestones of personal finance research

Nov. 12  Home price study, $100,000 up in 2 years
Nov. 14  Mint app
Dec. 15  10-15% saving from paycheck 2010 - 2018
Jan. 14  Francis Kong   personal finance, major leak/ min leak. One pen, one paper, diligent heart
Jan. 16  Citi bank, credit card statements available from 1996 to 2017
Jan. 13  Date my money
Feb. 9   Lottery winner study
Feb. 12  Mental accounting, investor psychology study
Feb. 22  Warren Buffet
March 10 What if I sell the condo in Boca Raton

I started from frustration and worry about housing problem in Vancouver, and then I started to learn personal finance. I found out that I do not do basic personal finance habit check. I do not keep all bank statements, receipts, and I do not do any annual analysis from 1996 to 2017.

I have to push myself to learn and find my personal finance data. One thing is to start to sort out all paper works I saved from 1996 to 2017, and second thing is to find out citi bank credit card statements from 1996 to 2018. I started to analyze those statements.

I also started to work on case studies; whenever I learn things from youtube videos, books, and articles, I also try to apply to myself. I love those case studies.

My top 10 favorite case studies will be listed here.

Date my money - close CD account with USA Amtrust bank

Dec. 27, 2019

Introduction

I went to crystal mall and got my letter notarized first on December 23, 2019, and mailed the letter to close my CD account with Amtrust bank. This is one of dates called date my money. I will update more on this date.

Follow up 

January 16, 2020

I got official check and I did close the account successfully.

Date my money: Chat with Charles Schwab online support

April 15, 2019

Introduction

It is my personal finance. After six month personal finance research, I start to work on my par tech 401K performance review. This is the first time I took what ever I need to learn again, I asked a few questions first time from 2007. I could not believe that it is the first chat last 12 years. Thank you Par Tech, my ex-employer in USA. The 401K provides so much good feature for me to rebalance, transfer the fund.

Chat

I like to share my chat history here. I like to encourage myself to learn and be humble. Build wealth and grow rich is so exciting. I need to invest time to learn stock market first. I invested 401K in 2007 $8,000 dollars. If I am smart enough, then I should double or triple the money after 12 years. Specially if I choose to put all the money into fidelity index fund.

JIANMIN CHEN: Initial Question/Comment: I like to sell mutual fund in my retirement account and then purchase a new fund. How can I do that?  System ©2015 Schwab Retirement Plan Services, Inc. All rights reserved.  System Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to you as part of the recordkeeping services it provides to the Plan. System Trust, custody, and deposit products and services are available through Charles Schwab Bank.  System Welcome to Schwab Retirement Plan Services. A representative will be with you shortly. System A retirement professional is joining the chat. System Connected with David D.. Your reference number for this chat session is .... David D.: Hello, my name is David. Please give me a moment to open your account. David D.: Go to Manage Account > Investments > Transfer JIANMIN CHEN: Good to hear from you. David D.: Is there anything else I can do for you at this time? JIANMIN CHEN: And also I like to ask question about my account, I did not know why my fund is changed to different fund automatically. David D.: Which funds were changed? JIANMIN CHEN: My current fund MetLIfe GAC $5317, I never knew that I made purchase on the fund. I did not know when I did. David D.: That transaction goes back to 3/27/2018 for $5,203.83. JIANMIN CHEN: I also like how to specify sell $3000 dollar value fund from metlife GAC, and then purchase $3000 index fund. The option -rebalance is not working very well. What is transaction cost? David D.: You will want to do this as a $3,000 transfer from metlife to the index fund. JIANMIN CHEN: What is the minimum of fund amount for new fund? Should it be $3000 dollar minimum for fidelity index fund? What is transaction cost for each sell/ purchase. David D.: There are no fees to make transfers in your 401k as well there are no minimums. JIANMIN CHEN: Wow, unbelievable benefits. David D.: Great!  David D.: Is there anything else I can do for you at this time? JIANMIN CHEN: Do I have limit to transfer in one year? Number of times to transfer, rebalance? I also need to make sure that my balance is above $5,000 dollars, otherwise I cannot stay in the account. JIANMIN CHEN: What if I fall below $5,000 dollars, can I move my IRA account balance from another account to this account to meet $5,000 dollar minimum. JIANMIN CHEN: I need to trial and error and figure out a few things on this platform. I did not do any thing from 2008 to 2019 over 11 years. David D.: May I ask what your objective is for this account? Are you wanting to exchange funds or take a distribution? I do not see that you made a transfer yet. JIANMIN CHEN: I will do it. This is my 401K account back in 2007, I have IRA CDs over $20,000 dollars with NYCB. I have to push myself to learn how to get into stock market. JIANMIN CHEN: Last time I lost $2,000 dollars back in 2008, and then I like to say good bye to stock market. I believe that stock market will go up in the long run. So I need to get back to index fund etc. David D.: Your plan does not allow partial distributions; so, if you take a distribution, you will need to take it all out of the plan. JIANMIN CHEN: what is partial distribution? David D.: A great place to learn about investing is the Learning Center at the top of your page. JIANMIN CHEN: I will do that. I spent six month to learn from morningstar video and personal finance director Christine. David D.: A partial distribution is when you only take part of your funds out of the plan. JIANMIN CHEN: I will make a few transfer and limit myself one rebalance at most one quarter. I believe that I should be allowed to do that. JIANMIN CHEN: Thank you to explain partial of distribution. David D.: You have the rebalance options of one time; 2 x per year, or 1 x per year. JIANMIN CHEN: Can you explain in more detail, every year how many times I can do rebalance? JIANMIN CHEN: How many times I can do transfer? David D.: You can transfer as often as you like; however, some of the funds in your plan do have trading restrictions.  JIANMIN CHEN: I read those trading restrictions already. JIANMIN CHEN: Thank you. I think that you answer all my questions now.

ReplyForward

How long it takes me to prepare all documents for RBC mortgage specialist?

Jan. 16, 2019

Introduction

It is my personal finance research. I learned from Suze Orman that I need to date my money. I need to learn how to work on small projects first. I talked to RBC mortgage special list on Jan. 8, 2019 for over 30 minutes, and I was told to prepare a list of documents. Here is my blog I wrote for the experience. How long does it take me to prepare those documents?

Preparation 

I did first time in my life to calculate my asset in New year's day. I wrote a blog to document my experience. I brought the document and showed the worksheet to RBC mortgage specialist.

I like to show my credit report, but I have difficulty to get free credit report in 2018. I checked my history, I only have three credit report from USA in 2014. I never got my credit report from Canada.

It is important to build a good habit to do personal finance work every year. Get credit report.

I need to get 2017 and 2016 T1, but it took me some time to find those documents. I work on my personal finance starting from Nov. 2018, weekends and evening time, but I have not put all my T1 from 2010 to 2018 in my github yet. I could not find my 2012 and 2013 T1 electronic copy.

Another red sign that I should prepare myself to get my personal financial document ready. I like to be a manager one day, project manager or program manager.

I spend time to write five or 6 emails to send documents.  I spent a few hours in the last weekend, and I visited Scotia branch in lunch break to get a receipt of accounts with balance, and also a stamp from the branch.

I spent over 4 hours to work on the documents at least.

Date my money - get a bank check

January 2, 2019

Introduction

It is my date to my money. I like to get a bank check and then take the check to currency shop for exchange from US dollars to Canadian dollars.

Bank check

I have to show the company name in the bank check.

I compared the rate to Scotia bank, 1.30 on Dec. 24, the money I can save is close to $60.00. I wrote a blog more than two weeks ago. Here is the blog.

Date my money - close TD bank checking account

Nov. 14, 2019

Introduction

It is my personal finance research. I have to data my money, close my TD bank checking account.

Case study

I opened the checking account in case I have issues with Scotia bank account. I had balance on my TD bank around $3000 dollars near 10 years without any interest.

I like to push myself to learn invest. All those funds should go to my Questrade.com, I like to purchase bond and get some dividend.

Date my money - A new date

Sept. 7, 2019

Introduction

It is my personal finance research. I have a busy summer. I need to plan to spend time to work on notarized letter from TD bank with free service, and then mail the letter to the city of Boca Raton New York community bank, and then ask to close my CD account, mail a check to my Canada address.

My date

I need to draft a letter, and ask TD bank to notarize the letter.
I need to mail the letter to New York community bank in the city of Boca Raton.

I already called the customer service and then figure out how to close the account, and transfer the balance.

My date of money - No. 4

Feb. 11, 2019

Introduction

It is my personal finance research. I learn the concept to date my money. I went to Scotia bank and got $3000 dollars cash and then purchased Canadian dollar. I like to learn from my own experience, baby step to learn how to trade US dollar to Canadian dollars, since the invert rate is 0.76.

The purchase

I went to kingsmark to purchase Canadian dollar and I got $4001.00 Canadian dollars.

One of ideas is to train myself to practice personal finance, and learn how to read the market, and also take some action.

Date your money - No. 2

Dec. 27, 2018

Introduction

It is a simple idea to purchase more Canadian dollars using US dollars. So I cover my loss in my three transactions over years. I also like to learn how to date my money.

One deposit

I went out to deposit a check from USA checking account to my Canadian USA checking account. I plan to purchase Canadian dollars later. It will take 21 business day to go through the transaction.

Actionable Items

I need to practice small transactions so I learn the importance to play with the market. Be consistent.

It takes 20 business day to process deposit. I checked on Jan. 30, 2019, the US dollar $3,000 is available now. I like to purchase Canadian dollars in short future.

Case study: 2009 Composite 1099 statement

Dec. 29, 2018

Introduction

I started to invest on stock market from year 2000. But I decided to quit in 2009 since I had to handle my appeal for leave case. I told myself to concentrate on immigration.

Case study

I learned that it was a bad decision. For me to learn something, specially on stock market, it was so painful for me to learn that I lost $3000 on the stock I chose in 2009, $3000 on 401 K I picked at work in 2007.

To close the account, say goodbye forever to the stock market. I did that in 2009.

I did not spend time to download all statements. Right now, I know that back in 2007 and 2008, how busy I was in terms of working for a startup. But in other hand, as a person with some management experience, I do not do the basic things.

I could not know how much money I started, how much money I put into stock market from my checking account.

Basic steps to learn 

I have to start to learn how to do better work in terms of decision making in terms of personal finance.

Download statements, and read the market, and analyze the market, and make some sound decision, hold on 72 hours, and consult some advice if possible, and then make a small step first, date my money until I learn.

It is time to show my personal asset

Jan. 19, 2019

Introduction

It is my personal finance research. I like to present a progress report on my personal finance research. I have college classmate who owns over ten million dollar Chinese currency real estate property, and so many classmates of SJTU to own a property as well. Compared to them, I am still in kindergarden, but God allows this happen for reasons.

How deep is your love? 

I am watching the video while I write this blog. I like to make a mess on my blog once a while. I have hard time to review my personal finance statements, and write so many case studies.

It is tough for me to learn how to stay smart on personal finance, how to grow rich, build wealth, and also keep healthy as well.

One of reasons I like to share is to push myself to be a self-learner on personal finance. I need to find good investment opportunities, starting from $1,000 dollars, and learn how to date my money, and grow rich and build wealth.

Actionable Items

It is so exciting for me to conduct personal finance research. Since the more time I spend on reviewing those financial data, I can find all those leaks in my expense, and also a lot of bad habits like impulse shopping, ignorance of economy, and poor decision making.

One more thing is that I have to push myself to purchase something I can sell 10 year or more later with more value. Otherwise I will live on from a pay check to another pay check. Even though I save some income, once I lose the job, lose work permit, I will deplete all savings, and get into debt quickly.

Marketwatch.com | How to make money on stocks that look ripe for 2024 tax-loss selling

 Tax-loss selling artificially depresses some stocks as Dec. 31 gets nearer. But what goes down often goes up: Year-end selling sets up these stocks for a sizeable post-New Year bounce.

Tax-loss selling is the practice of selling your losers in order to offset capital gains on which you would otherwise pay taxes. The practice is prevalent every year, but it’s likely to be especially so this year, given the market’s strength and the capital gains that many investors presumably have already realized.

It’s possible to profit from this by placing buy orders well below the market on stocks with the biggest year-to-date losses. These are the stocks that will most likely be sold for tax-loss purposes. Your hope with the strategy would be that tax-loss selling will depress these shares so much that at least a few of your buy orders get picked off — and the stocks you purchase will subsequently rebound smartly in January.

To be sure, you need to be choosy when executing the strategy since some year-to-date losers deserve to be in the dumps. One way of avoiding these so-called value traps is to consider only stocks recommended by at least one of the investment newsletters that my performance auditing firm tracks.

A year ago, I devoted a column to a list of 20 stocks constructed using this approach. The subsequent three months were an unusual period for tax-loss selling, since that column was published close to the low point of a correction and the U.S. stock market went almost straight up from then until the end of the year. From the publication date of my column until the end of 2023, just four of the 20 stocks on that list traded even 10% lower. Since I recommend that the buy limits you employ with this strategy be much larger than 10%, it is possible that no one following this strategy a year ago got any of their limit orders filled.

Still, those stocks did rebound nicely in January, illustrating the strategy’s potential. I calculated each stock’s return from (a) its lowest price from the publication date of my column until the end of the year, to (b) its highest price in January. The average across all 20 stocks was a 47.4% gain. For the four stocks that fell more than 10% after my column was published, the average gain was 51.4%.

These gains represent the upper limit of the strategy’s potential, since to achieve them you would have had to perfectly capture each stock’s low trade in late 2023 and its high trade in January 2024.

The table below contains a new list of 20 stocks constructed in the same manner as in 2023. It contains all stocks that lost at least 22% for the year through Sept. 27, and which are recommended by at least one of the investment newsletters my auditing firm monitors.

Still, those stocks did rebound nicely in January, illustrating the strategy’s potential. I calculated each stock’s return from (a) its lowest price from the publication date of my column until the end of the year, to (b) its highest price in January. The average across all 20 stocks was a 47.4% gain. For the four stocks that fell more than 10% after my column was published, the average gain was 51.4%.

These gains represent the upper limit of the strategy’s potential, since to achieve them you would have had to perfectly capture each stock’s low trade in late 2023 and its high trade in January 2024.

The table below contains a new list of 20 stocks constructed in the same manner as in 2023. It contains all stocks that lost at least 22% for the year through Sept. 27, and which are recommended by at least one of the investment newsletters my auditing firm monitors.

Stock/Ticker	YTD Return (As of 9/27)	# of Newsletters Recommending
New York Community Bancorp Inc.  NYCB -4.02%	-62.1%	1
Five Below Inc.  FIVE -3.43%	-56.6%	1
Intel Corp.  INTC 0.31%	-51.8%	1
lululemon athletica inc.  LULU 2.10%	-45.2%	1
Leggett & Platt Inc.  LEG -3.69%	-44.2%	1
Goodyear Tire & Rubber Co.  GT -4.95%	-38.8%	1
Fox Factory Holding Corp.  FOXF -5.87%	-38.0%	1
Cleveland-Cliffs Inc.  CLF -2.15%	-37.5%	1
Moderna Inc.  MRNA -0.55%	-33.9%	1
Albemarle Corp.  ALB -1.37%	-32.7%	1
Estee Lauder Cos. Cl A  EL -0.87%	-30.5%	1
Humana Inc.  HUM -2.46%	-29.9%	1
Etsy Inc.  ETSY 0.41%	-29.5%	1
Worthington Enterprises Inc.  WOR -1.36%	-28.4%	1
Cohu Inc.  COHU -0.59%	-26.7%	1
Yelp Inc.  YELP -2.34%	-26.3%	2
Mosaic Co.  MOS -0.91%	-22.7%	1
Lattice Semiconductor Corp.  LSCC -1.99%	-22.4%	1
Amphastar Pharmaceuticals Inc.  AMPH -0.04%	-22.4%	1
Kohl’s Corp.  KSS 0.72%	-22.1%	1