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.

February Dividend Income - 28 Feb 2019 21:59

Tags: monthly_income

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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

Weekly Portfolio Summary - 09 Feb 2019 12:08

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Portfolio Activity

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Portfolio News - (In Case You Missed These Headlines)

Armanino Foods of Distinction (AMNF)

Brookfield Renewable Partners (BEP)

General Motors (GM)

Hasbro (HAS)

Leggett and Platt (LEG)

Medical Properties Trust (MPW)

Procter & Gamble (PG)

Prudential Financial (PRU)

Prospect Capital (PSEC)

Phillips 66 (PSX)

Westwood Holdings Group (WHG)

Weyerhaeuser (WY)

Interesting Blog Posts or Articles

Not a lot of articles this week as most folks were busy posting their monthly results. For a summary of monthly dividend income checkout the well maintained page at our fellow blogger’s site Dividend Driven - Comments: 0

6 Dividend Stocks With a 30-Year Streak of Increasing Their Payouts Higher Than Inflation - 07 Feb 2019 22:42

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1. AFLAC Inc (AFL)

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Inflation Beating Streak: 31 Years
Yield: 2.23%
Payout Ratio: 29%
Most Recent Dividend Increase: 3.85% / Jan 2019

2. Automatic Data Processing Inc. (ADP)

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Inflation Beating Streak: 35 Years
Yield: 2.17%
Payout Ratio: 77%
Most Recent Dividend Increase: 14.49% / Nov 2018

3. Coca-Cola Company (KO)

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Inflation Beating Streak: 34 Years
Yield: 3.16%
Payout Ratio: 142%
Most Recent Dividend Increase: 5.41% / Feb 2018

4. Johnson & Johnson (JNJ)

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Inflation Beating Streak: 38 Years
Yield: 2.73%
Payout Ratio: 64%
Most Recent Dividend Increase: 7.14% / Apr 2018

5. Medtronic (MDT)

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Inflation Beating Streak: 36 Years
Yield: 2.25%
Payout Ratio: 49%
Most Recent Dividend Increase: 8.7% / Jul 2018

6. Target (TGT)

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Inflation Beating Streak: 35 Years
Yield: 3.56%
Payout Ratio: 55%
Most Recent Dividend Increase: 3.23% / Jun 2018 - Comments: 2

January Dividend Income - 03 Feb 2019 21:19

Tags: monthly_income

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After 31 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 $2,915 a slight increase versus last quarters $2901. This was a marginal gain because of two factors. First is the lack of monthly income from my ETFs which make a double distribution payment in December and nothing in January. The second factor was the sale of Versum (VSM), Keurig Dr. Pepper (KDP), and Analog Devices (ADI). All three stocks were acquired from buyouts or spin-offs, however, their position in my portfolio was so small that it was becoming a labor to track all three so I decided to cut them loose. These sells reduced my January income by $17.

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Looking at my 3 year goal metric I improved my percent complete by 0.85% 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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Back in November I posted about refining my goals and after analysis I discovered that I needed additional emergency cash and needed to save a minimum of $2,000 a year or $170/month until I retire. Well unfortunately I did not start this new goal well and saved a big fat $0 goose egg.

The only consolation is that the funds were used to avoid credit card debt of which I am proud to say that I have now achieved 5 full months of carrying no credit card debt. - Comments: 0

Inflation Beaters Index Updated! - 03 Feb 2019 00:56

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The Inflation Beaters Index has finally been completely updated to reflect all 2018 dividend growth and inflation data. Below is a summary of the update, and hopefully useful to fellow investors.

2018 Average Inflation Rate 2.45%

The final inflation came in at 2.45% and was the highest rate since 2011. This may seem pretty tame but it still takes a bite out of growth.

Take for example AT&T (T) which increased its dividend from $2/share to $2.04/share. This recent increase extended T’s impressive continuous dividend growth to 35 years and cementing it as a dividend aristocrat. However if we adjust the increased dividend for inflation, the annual dividend actually shrank to $1.991/share or -0.45%. This makes that aristocrat status look a bit tarnished.

Changes to the Inflation Beaters Index

Hers is a quick metric summary of the components of the champion (25 or more years) and contenders list (11 to 24 years):

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Weekly Portfolio Summary - 02 Feb 2019 12:32

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Portfolio Activity

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Portfolio News - (In Case You Missed These Headlines)

Camden Property Trust (CPT)

Chevron Corp (CVX)

Iron Mountain (IRM)

Medical Properties Trust (MPW)

Pfizer (PFE)

Prudential Financial (PRU)

Qualcomm (QCOM)

Ryder System (R)

Sabra Healthcare REIT (SBRA)

AT&T (T)

T. Rowe Price (TROW)

United Parcel Service (UPS)

Weyerhaeuser (WY)

Interesting Blog Posts or Articles

Being a FIRE Millionaire Doesn’t Mean You’re Rich by Route to Retire

Here's the Difference Delaying Retirement by 6 Months Can Make
Are you ready for early retirement or just kidding yourself?
What 401(k) Savers Don’t Know About Their 401(k)s - Comments: 0


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