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.

March Dividend Income - 30 Mar 2019 08:54

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 $2,393 a decrease of 3.07% versus this time last quarter. The decrease was not in part to any stock sale or dividend cuts but a timing in dividends. In December my ETF's make a double end of year payment of near an extra $100. The other issue was Garmin (GRMN) and GATX Corp (GATX) which both have payout dates of 3/29/19 but will not credit my account until April 1. If I adjust for these two factors my income would have increased $124 a near 5% increase. I can’t wait till I get a full year of tracking complete as a year over year comparison will be much easier than by quarter.

For the month I only bought two stocks, Walgreens Boots Alliance (WBA) in my regular brokerage account and Iron Mountain (IRM) in my Roth IRA. If WBA drops below $60 I’ll add more shares but with IRM I have a full position and will not be adding shares for quite some time.

Trying to find decently valued DG stocks to buy has been a challenge since late January. It is not that there are no good buys but how many times can I add more shares of AT&T (T), Abbvie (ABBV), or Prudential (PRU) before I get too overweight? Even REITs have been strong in the first quarter and with everything fully to slightly over-valued all I can do is be patient and keep jumping at opportunities as they arise.

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Looking at my 3 year goal metric I improved my percent complete by 0.50% from last month and puts me 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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Progress on my last goal of saving an additional $2,000 of emergency cash is stuck at $200 as I made no contribution this month. Unfortunately, I completed my taxes and owed quite a bit so Uncle Sam and the State of CT got nice checks. - Comments: 6

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


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