Follow the dividend investment decisions of a person who has no background in financial investment and wishes to take control of their financial future to retire at 60.

5 Dividend Stocks With a 30-Year Streak of Increasing Their Payouts Higher Than Inflation - 19 Mar 2019 08:08

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1. Chubb Limited (CB)

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Inflation Beating Streak: 25 Years
Yield: 2.14%
Payout Ratio: 34%
Most Recent Dividend Increase: 2.82% / May 2018


2. Dover Corporation (DOV)

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Inflation Beating Streak: 34 Years
Yield: 2.12%
Payout Ratio: 51%
Most Recent Dividend Increase: 2.13% / Aug 2018


3. McDonald's Corporation (MCD)

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Inflation Beating Streak: 41 Years
Yield: 2.18%
Payout Ratio: 54%
Most Recent Dividend Increase: 14.85% / Sept 2018


4. Sysco Corporation (SYY)

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Inflation Beating Streak: 32 Years
Yield: 2.35%
Payout Ratio: 56%
Most Recent Dividend Increase: 8.33% / Nov 2018


5. Walgreens Boots Alliance (WBA)

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Inflation Beating Streak: 33 Years
Yield: 2.95%
Payout Ratio: 36%
Most Recent Dividend Increase: 10% / June 2018 - Comments: 0

This Is Boring - 17 Mar 2019 10:30

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This site and my investing has started to become down right boring and I could not be happier. Media likes to show the instant success stories that make investing look exciting and risky, but for the average person (including yours truly) planning, saving & investing for financial independence is a slow pace of putting away a percentage of income and letting Father Time do his magic with compounding, dividend reinvestment, and dividend growth.

Now that my challenges for managing expenses while eliminating credit card and mortgage debt have been completed there is little to focus on except to continue to save, invest and execute an investment strategy most of which is on auto-pilot. All that is left now is to watch the slow progression towards an end game which is now 9 years away. Sure I will buy the occasional stock but overall being bored is exactly where I want to be as an investor and a goal that I believe many fellow investors should strive for as it allows you to embrace or improve other areas of your life.

One aspect that I firmly believe in is not to become obsessive over my finances. I am human after all and need to enrich other areas of my life in regards to family, friends, education and hobbies. In other words things that make me happy. Now that I have less to spend time on finances I can now focus and embrace those other areas of my life some of which have been hold for many years.

One hobby I always wanted to try was metal detecting. I bought a beginners rig and ready to hit the woods, farms and parks of New England to see what I can unearth. Another piece I am getting back to is traveling. Due to financial constraints my wife and I have not been on a real out-of-state vacation in 7 years. We can’t wait to hit the road and start touring the U.S. like we did in our younger days.

Overall, I firmly believe that when you hit the point where your investing becomes boring it is a sign of success. It represents that your investing strategy is paying off and you are simply repeating the same saving & investing steps over and over because the formula is working. - Comments: 0

Weekly Portfolio Summary - 16 Mar 2019 12:09

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Portfolio Activity

Got hammered at work pretty hard this week working 12 to 13 hours per day so this post brings me up to speed as much as any readers. This week I received my first dividends from Ryder System (R) and was surprised to see WPC with a dividend raise. All in all not a bad week for divvy income.

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Portfolio News - (In Case You Missed These Headlines)

Artesian Resources Corp. (ARTNA)

Newell Brands (NWL)

Pfizer (PFE)

Qualcomm (QCOM)

T Rowe Price (TROW)

W.P. Carey (WPC)

Pfizer (PFE)

Qualcomm (QCOM)

Interesting Blog Posts or Articles

8 Reasons to FIRE in Your 40s by Retire by 45

2019 Top 100 Best Places To Live - Comments: 0

New Buys: WBA and IRM - 08 Mar 2019 19:42

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It has been two months since my last stock purchase and Friday I ended that drought with 1 purchase for my brokerage account and the other for my Roth IRA. The two purchases together increase my forward annual income by $96

Brokerage Buy: Walgreens Boots Alliance (WBA)

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Purchase Price: $59.74/share
Increase in Forward Annual Div: $28
Inflation Beating Streak: 33 Years
Div Growth Streak: 43 Years
Yield: 2.95%
Payout Ratio: 36%
Most Recent Dividend Increase: 10% / June 2018


Roth IRA Buy: Iron Mountain (IRM)

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Purchase Price: $34.80/share
Increase in Forward Annual Div: $68
Inflation Beating Streak: 8 Years
Div Growth Streak: 9 Years
Yield: 7.02%
Most Recent Dividend Increase: 4% / October 2018 - Comments: 0

February Dividend Income - 28 Feb 2019 21:59

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After 32 years of clocking in and out of work and religiously saving 10% annually every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

This month I made $2,191 or an increase of 2.7% versus this time last quarter. I made no stock purchases for the entire month of February and my last purchase occurred on January 17th. Hopefully next month might yield a buying opportunity to help move things along.

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Looking at my 3 year goal metric I improved my percent complete by 0.65% from last month and puts me back on target not just for my 3 year goal but also my annual goal of increasing my forward dividend by 12.5%.

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Finally made some progress on my last goal of saving an additional $2,000 of emergency cash by setting aside $200. I’m still behind on saving but at least I no longer have to look at the $0 balance from last month. - Comments: 2

Weekly Portfolio Summary - 23 Feb 2019 14:10

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Portfolio Activity

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Portfolio News - (In Case You Missed These Headlines)

Camden Property Trust (CPT)

Garmin Ltd (GRMN)

Kraft Heinz (KHC)

Pfizer (PFE)

PPL Corp (PPL)

Qualcomm (QCOM)

Walmart (WMT)

W.P. Carey (WPC)

Interesting Blog Posts or Articles

How Dividend Investors Can Protect Their Principal by The Conservative Income Investor
My Secret Weapon for Finding Out if Major Stores Owe Me a Refund by My Millennial Guide
How Being Laid Off Became One of the Best Things to Happen to Me. By Cash Dad

The Biggest Financial Mistake Women Make
Building Financial Momentum When You’re Struggling to Make Ends Meet
Here’s one ranking of the 25 most overpaid CEOs in the S&P 500
Losing a job in your 50s is especially tough. Here are 3 steps to take when layoffs happen - Comments: 1

Friday Ramblings - 22 Feb 2019 14:06

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I could have made separate posts but decided to roll everything into one today…

Fist Sell of the Year? – Kraft-Heinz (KHC)

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What the heck happened to KHC after the close on Thursday? As of this morning pre-market prices have the stock down near 26% at $35.75/share. That was one of the worst quarters reported I’ve seen from a large corporation in a while and it is pummeling investors with a series of 3 body blow punches and capped off with an upper-cut.

The Body Blows

  1. Missed earnings estimates by more than 10%
  2. Disclosed an SEC probe into accounting practices
  3. Announced they will not see profit improvements until 2020

Then the final UPPER CUT

  • Announced a 36% dividend CUT

That last punch sent investors flying to the canvas, tough morning to be a holder of KHC stock! I'm sure the price will drop even more after the opening bell so I won't sell immediately until after the initial panic subsides.

Tax Man Cometh

Just finished up my taxes and like many others I will be paying a significant amount. However, unlike everyone else I cannot blame the Trump tax. This mistake was all on me.

Last year after I got my first paycheck with less taxes I quickly went down to human resources and adjusted my withholdings to avoid a tax issue. Earlier this year when folks stared complaining about having to pay after their tax filing I felt pretty smug that I had foresight and wouldn’t have that problem.

Then I started preparing my own taxes and realized I forgot one important fact, my youngest son turned 17 last year. After having three kids how could I forget that I was losing a huge child tax credit! I went from feeling smug to downright stupid. At least I had the cash on hand to absorb the pain.

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- Comments: 0

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