CSV
Carriage Services, Inc.
stock NYSE

I just got off a call with my insurance agent. Apparently, lugi halos lahat ng VUL ko since naka-invest sila sa PSE, so ang recommendation niya is ilipat yung funds to international stocks or funds.
While we were talking, nag-offer na rin siya ng ibang insurance products. Napansin ko lang na may isang plan na around 4.75% yung interest for a fixed number of years, pero kailangan mo mag-invest ng millions.
Napaisip tuloy ako. Una, parang lugi ka na sa inflation pa lang. Pangalawa, baka mas okay pang ilagay yung pera sa MP2 or invest directly sa international markets. Pangatlo, pag pinasok mo sa insurance di mo malalabas for a certain tim (except CSV or dividends).
Lumaki kasi ako with the notion na insurance is one of the best ways to secure yourself and your family financially. Pero looking at the returns, parang hindi siya ganun ka-attractive.
For the millennials and Gen Z here, kumukuha pa ba kayo ng insurance? If yes, anong type and what's your rationale? Would also appreciate hearing the perspective of financial advisors and insurance agents.

If you're uncomfortable with linking your account, there's a middle ground: DEGIRO lets you export your transactions as a CSV file. I built [portfoliolens.nl](http://portfoliolens.nl) for exactly this, you upload the export yourself, no account connection needed. Read-only by design, because there's no connection at all. Doesn't have all the social features of Delta or Getquin, but if privacy is your main concern it might be worth a look.
For this moment the app only works in Dutch, but if it's needed I can make a feature to also work in other languages.

The reporting is indeed terrible. I built something for exactly this reason — [portfoliolens.nl](http://portfoliolens.nl) — upload your DEGIRO CSV exports and you get your actual return, dividend overview and box 3 breakdown automatically.
Been using it myself and it gives a good reflection of my performance over the past years.
On the costs: kernselectie ETFs are €1 per transaction on Tradegate, outside that it can get expensive fast.

Logge dich am besten am PC, falls vorhanden, in dein online banking ein. Irgendwo gibt es eine Option die Kontoumsätze zu exportieren. Das machst du, als CSV Export. Zeitraum idealerweise ein Jahr, so hast du alle Kosten im Blick. Die Datei kannst du mir Excel öffnen und mit ein bisschen Recherche alles kategorisieren und so einen Überblick bekommen.
Alternativ ohne Excel Kenntnisse würde ich mir eine App wie Finanzguru runterladen, da geht das Ganze benutzerfreundlicher. Wichtig ist eben, dass du regelmäßig deine Ausgaben kategorisierst, damit die Auswertung am Ende auch sinnvoll ist.

Wenn du kein Bock auf Budget-Apps mit Zugriff auf Onlinekonten hast kannst du dir z.B. Finfluence oder Monee anschauen.
Ich selbst nutze Finfluence, kann dort eigene Kategorien und Unterkategorien definieren mit Budgets etc und wenn alles eingerichtet ist reicht mir die Zeit auf der Rolltreppe nachm Einkauf um diesen in der App zu vermerken. Wiederholende Posten wie Miete muss ich nur als Wiederholung einspeichern und hab dann kein Aufwand mehr damit.
Sehe dort sofort wie viel ich im Monat für Essen ausgegeben hab, wie viel meines Budgets noch übrig ist (insgesamt und wie viel für Essen), kann es auch exportieren als CSV für Excel z.B.

What is this CSV stock all about? 😳

Drag & drop oder CSV.

I really like the free site https://tradeinsights.net/. It uses a CSV file. If you need a sample template, let me know.

Founder here, so grain of salt. I've been trading FX for 7+ years and my process was scattered across four interfaces that never talked to each other: a Google Sheet for the journal, a Notion board for mistakes, a separate lot size calculator app, and Forex Factory open in another tab for news. Every trade meant bouncing between all of them. So I built Exhibit A, one interface for the whole workflow. Screenshots of each part below.
**What it does and how it works**
- Web app, nothing to install. Start with your existing data: drag in your spreadsheet export (Sheets, Excel, Notion or broker CSV), match the columns on screen, takes about 2 minutes.
- Trade journal with the analytics on top: win rate by pair, session and day of week, profit factor, an Edge Score that tracks how well you stick to your own rules, and a P&L calendar (screenshots 1 and 3).
- Trades Missed module: log the valid setups you hesitated on and what they'd have done (screenshot 2).
- Position size calculator with live cross-pair conversion, run from your actual balance (screenshot 4).
- AI coach that reads your logged data and points at specific patterns, like how your trades taken shortly after a loss perform vs your baseline, or which day you oversize on (screenshot 5).
- News events module: the high-impact releases for your pairs with countdowns and alerts before each one, so the Forex Factory tab can finally close (screenshot 6).
**What makes it stand out**
Most journals only analyse the trades you took. The missed trades side is the bit I couldn't find anywhere else, and for a lot of traders the skipped setups turn out to cost more than the losing trades. The other one is the sizing calculator living inside the journal and knowing your account currency (a GBP account trading EUR/CAD is not 1:1, most standalone calculators ignore this).
**How it helps day traders**
You stop juggling four tools, and your weekly review actually answers questions: is my problem bad entries or hesitation, which pair or session leaks money, do I oversize after losses. That's the stuff that changes behaviour.
**Honest caveats:** FX-first, so equities-only traders won't get full value. No broker auto-sync yet, spreadsheet import is the story for now. Built by one person, tell me about the rough edges and I'll fix them.
14-day free trial, no card needed. First 50 traders get lifetime access for £97, then £19/month.
**Free trade review for the first 5 who DM me.** Send your last month of trades (spreadsheet export is fine), I'll run them through the platform and walk you through your most expensive habit on a 20-minute screen-share, or a written breakdown if you'd rather. No charge, no obligation. Early feedback is worth more to me than sales right now.
Happy to answer anything.

Anything that takes CSV file? I tried to upload on supertrader but doesn’t work well. My broker is TradeZero,