Wednesday, July 7, 2021

JUNE 2021 DIVIDEND INCOME

 2021 is the year of recovery.  Most of the nation is opening up.  People are out again and spending money that like it's Christmas all year.  

One of the side effects of this is a giant boom in the stock market.  Dividend increases.  All time highs.  And looks like it will grow even more once the transportation logistics work itself out.  In short, it's a good time to be a dividend growth stock investor.    So how did I do?

Not too shabby at all.  Now one of life's ironies is that right when it is time to snatch u as many shares as possible, I am in an extended holding pattern for free cash flow due to a family caretaking situation.  It will clear up and I will be able to make up for time lost.  But in the meantime, I will take my dividends and have a nice big pile to spend at a later date.

June brought me 48 dividend payments for a grand total of $1275.00.   Pretty steady flow of income.  More than 1.5 per day makes for an exciting month!   

It is a gain of 10.56% over 2020's $1,153.18.   That's the pace I want to see.

My big gain was from the amazing Vanguard High Dividend Yield Index Fund  (VYM).  whenever I cannot choose what to get, I pick up some VYM.  It's basically a mirror of much of my own portfolio.  

Also loving my payout form T. Rowe Price. (TROW).  It paid it's usual quarterly dividend, but at the time of writing, I just received a special dividend of about triple this amount!

Here's the breakdown:


I will have about one or two more months of figuring out my personal situation, but after that clears up, I will be on a huge roll.   See 'ya soon!


Monday, May 31, 2021

MAY 2021 DIVIDEND INCOME

 We are 41% through the year (5/12).  And it feels like I just wrote this.   Thats mainly due to an incredibly busy month of May.  Big personal stuff going on that I will go into more detail on a later post when things all shake out.  But it makes time fly by so fast I did not even do my regular 3-4 posts a month.

May was a good month when it comes to passive income.  And by passive income, I mean collecting dividends from companies that I invest in that reward their shareholders by sharing the profits.  These companies tend to have a long track record of increasing these payments year over year.  This will result in some amazing compounding that will rapidly increase this income over the period of a few years.  

All it takes is 2 things: reinvesting dividends earned and patience.

The result of this patience is earning $1,047.99 from 30 companies.  This is an increase of 31.2% over 2020 and the $798.80 I earned last May.   The result of dividend increases, reinvesting the dividends and adding to the pot with any spare change when I can.   Hopefully, this pace will keep up. 



My big payday was at the start of the month with AT&T paying $192.40 and on 5/17 and the $100.50 payout from OHI.  

I do believe this is the end of seeing such payments from AT&T.   But it was a good run and it sure will be an adventure when shareholders get the shares of the new company..

Until next month - CHEERS!

Saturday, May 29, 2021

APRIL AND MAY BUYS AND SELLS - TEMPORARY SHAKEUP

Hello folks.  Took most of a month off from blogging to deal with some major league stuff.  

April began as a normal month, with my regular purchases using my easily earned dividend income.  Then things changed.  

I am in the position to have to take care of my mother and place memory care.  She had always refused to even consider any form of long term care insurance, or even any planning for any care.  She was sure she would just live out her life with no medical issues at all and  just peacefully disappear one day.  

Of course that does not happen to most people.  Time has come when she can no longer live at home on her own.  Sad, but I knew this day was coming for a few years now.  And sad for her, but with zero short term memory, she will only be upset for a short while after we move her. I would have been able to plan better, but she even refused to let me be power of attorney until she hurt her ankle 2 years ago.  

So it's up to me to pay for the first few months of care.   I had to do the inevitable:  sell a bunch of shares to cover the costs until we sell her home and recover the costs.  

In order to minimize the impact of these sales, I mainly chose the investments that pay the lowest dividend rate.

So first I will show the chart and then break it down.


So I now have $88,000 in cash.  This will allow me to pay for a few months of her care and prepare her house for sale.  The home repairs will take some serious cash, but will be worth it for sale price.

I decided to pick the holdings that had divided rates at 2% or lower.  A couple were a bit higher, like Target (TGT), but they had gained over 100% in equity and so I did not have to sell other holdings to get this much cash.

Once the home is sold, I will pay back this into my account and will start these over.  I kept at least one share in all of the holdings I closed out in order for me to remember the ones I will buy again.

In summary, I lost $1.346.70 in annual dividend income.  Not too bad considering the amount I took out.

I will update this as time goes on.

Take care of yourselves!


Monday, May 3, 2021

APRIL 2021 DIVIDEND INCOME

 A third of the way through.  Amazing.  2020 took nearly 100 years to end, and now you blink and it's 1/3 through the next year.  

April is one of my favorite months.  Spring weather returns, flowers come out, 


and I can spend much more time outside.  Like building a raised bed to have a permanent green onion supply.

.

April also means another month of dividend income.  These dividends are the result of being patient, vigilant, and dedicated to creating a source of passive income that will carry me through my retirement and hopefully will be passed on to future generations.

This month I received 28 payments adding up to $940.61.   This is down 18.71% from 2020, but after the "COVID Shuffle" I did with cut dividends, I am up about 8% over 2020 and will most likely increase to over 10% overall.  The selling and buying in 2020 resulted in losing income in January, April, July, and October.  but the other months are up tons!

And of course, I am taking these funds and buying more shares to increase this payment.  

The big dividend of the month  was Whitehorse Financial (WHF)  They are back after a few months off protecting my investment.  I just love the 10% yield.

Here's the breakdown:


May will be a monster month for me, but things will be getting funky in June for a few months, as I have to focus on some family issues.   I'll be updating y'all about this soon enough.

Please post comments if you see anything or have any questions.

Cheers!

Saturday, April 24, 2021

MARCH 2021 GOAL UPDATE

We are already 1/4 done with 2021.  It could not have gone faster.  In January, I posed some goals for the year.  Take a look:  2021 Goals.  

 Let's see how my goals are coming along:



FINANCIAL GOALS

  1. Add $10,000 to my investment account.   DONE!  Added $12,500 to my account!
  2. See my dividend income increase by 10% from 2020.  So far up 8.1% from this time last year
  3. Save $8,000 for bills in 2021.  Stuff happens.  Have $100 saved so far... 
  4. Fulfill my goal of buying the equivalent in shares of what I spent in 2020 at the following: Met my goals for Costco, Home Depot, Mcdonalds, Starbucks, Kroger, and  AT&T.  (the leftovers will go towards 2022)  I just need to focus on Target (TGT)


PERSONAL GOALS
  1. Go to Hawaii for 10 or more days.  I need beach.  Going for 11 days in August.  Phew.  My homa away from home.  Can't wait
  2. Exercise more.   Walk 10,000 steps per day.  I am now up to over 8,000 steps per day on average and going up!
  3. Drop about 30 lbs.  I am at 204 lb this morning of 1/1/21.  My doctor wants me to slim down.  My pants do too.  It's made my blood pressure creep up.  At 5'7", I need to be much lighter.  The walking will help.  So will goal # 4....  Down about 10.  On pace to lose 30 by my August vacation.  Beach body baby...
  4. Eat very little sugar.  I am eating much more healthy recently.  
  5. Sell off more of my record collection.   I am out of room.   Still getting more.  But did sell a few box sets.
  6. Make more music and release an album..   Still working on it.  Titled my latest song "Skid Mark Karen"...
  7. Work on front yard garden.  BAM!   Dug it up and weeded.  Layed down bark mulch.  Planted 4 blueberries, 2 raspberries, 4 lavenders, and placed a galvanized raised bed to have a permanent green onion supply.   Looking good!  Remember, this was a JUNGLE.


Posting this is keeping it real for me.

Sunday, April 11, 2021

MARCH 2021 BUYS

After some very active purchasing activity in January and February, this March was much more mellow.  

I only took the dividends I earned to purchase more shares.  No taking of profits and buying more from them.   I plan on letting what I have ride for a good while longer before snagging some equity profits and increasing dividends.

Even with the limited activity, I did make some moves I feel are solid.   

One was my return to Apple (AAPL).   I had taken hose profits a few months ago and reinvested the funds.  It was time to get back into them.

the other purchases I feel good about is more Whitehouse Finance (WHF) and it's mear 9% dividend yield.  They were a major player before the pandemic for me.  I ducked out to prevent a potential major loss, and now am diving back in.  

In summary, I invested $1,638.15 and increased my annual dividend income by $57.14.   That's a 3.49% return.  

Here's the low down.




Tuesday, April 6, 2021

MARCH 2021 DIVIDENDS - COMPOUNDING THE SNOWBALL

 WHAT?  We are 1/4 through 2021?   How can that be.   It honestly feels like February still.  Time is just flying.

Nope.  It's April.  Spring is in the air.  Spring is back in my step.  The trees are poppin out it's blossoms.



And I got a nice haul of dividends to talk about in March.  Let me recap what I am doing and why.

I'm funding my retirement by investing in shares of dividend growth stock.  

If I can focus my retirement funds in companies that will beat the inflation rate and increase their dividends more than the inflation rate on an annual basis, my investment will snowball to the point of replacing my work income while not having to sell any shares to survive on in retirement.  I'd be able to replace my income with the dividends I earn.

It all boils down to compounding.

So far I have gone from making $0 in 2013 to averaging $1200 per month in 7 years.  And that's with being stupid and cashing some shares out to pay for stuff.  

I now know that cashing out shares to pay any debt is foolish if my interest rate is lower than my gains in the market.  I have a debt that charges 9% annually and a car payment that is at 3%.   

Meanwhile, I earned 20% last year in the market in equity gain.  On top of tht, I average 3.17% in dividend return.  I now realize I'd rather have the debt and see my portfolio grow and snowball.

The challenge I have is funding it fast enough to retire as soon as I want to.

So March.  It came.  It zoomed by.  And I was lucky enough to earn $1640.04 from 49 payments.  And yes, this is a 10.63% increase over 2020.  BAM!

This is the biggest month of my journey and is quite the thrill.   And what did I do with it?  Yep, I reinvested every penny into more shares.  

Compounding the snowball.....

Here's the breakdown:


The big haul was BHP Group (BBL), but do keep in mind it is a semi-annual dividend, so it's pays huge, but only twice a year.   I actually prefer quarterly payments IMO.   nother one I am digging is getting over $64 from Target, one of my holy grail companies that I will try to always keep adding to.

April will be much smaller, but that's just due to the timing of the payments.     

I want to increase this by the time June comes and the same companies pay their next div.

Remember, if I can do this ANYONE CAN DO THIS.  

I am not a financial wizard.  I just study the numbers and use a stock screener and a large amount of dedication to my goal.  

U KAN DO IT.

Check ya later.







Sunday, March 21, 2021

FEBRUARY 2021 DIVIDEND INCREASES

 Yeah, I'm running late getting this out.   Been a busy month, so I am not sorry... Easter is on its way.



  So let's cut to the chase.   

I gots me some dividend increases in February!   Quite a nice month seeing $109.79 being added to my annual dividend income.  

The whole point of this investment strategy is to see the companies I own in my portfolio increase their payout to their shareholders at a pace that beats inflation.  

currently the US inflation rate for 2021 is at around 2.24%.   Last month, that rate of increase from the companies that announced a div hike averaged 5.52%.   Doubling the inflation rate.  

If I can hold this pattern throughout my whole portfolio, my income will snowball into something real substantial.

Here's the breakdown:


The hike with the biggest impact was T. Rowe Price (TROW) with their 20% increase.  Wow.  Robert Half International (RHI) and Home Depot (HD) were also very welcome.  

March has not been at quite the blazing pace as January or February, but Oracle (ORCL) announced a 33% increase.  So I am really eager to see the final results.

Until then...




Tuesday, March 9, 2021

FEBRUARY 2021 BUYS

Before I get into my February stock purchase post, I want to celebrate my mom getting her first COVID Vaccine shot today!  Took a lot of searching and some help from a vaccine angel!   Yay!  Here's the post-shot 15 minute wait area.

It was a very active month in February for shopping for some solid companies that will pay me dividends.  

I was eager to gain more of a return and decided to harvest some profits from Williams-Sonoma (WSM), which was over a 120% gain, take the funds and invest in companies that had a larger yield than the one I just sold.  

This allowed me to take the $2,356.63 and take the $38.16 annual dividend hit and turn it into a $142.65 annual dividend.  BAM!

One of my additions this month was a beginning entry in Snap-On  (SNA), one that has been sitting on my watch list for most of the past 2 years.  They were still passing my stock screener:  

  • Low P/E ratio.  A sign that the company is at a good valuation at the moment.  SNA is at 19.08.  I don't want to overpay for my shares.
  • Good dividend payout ratio.  SNA come in at a 43% ratio, which is wonderful.  When a company is around 50% dividend payout, it means they want to not only share their profits with their stock holders, but also have room to grow the company, grow the dividend, or cover the dividend when falling on hard times.    SNA fits the bill
  • A track record of increasing the dividend.  Over the past 5 years, they have increased the dividend by 15%.  That's inflation beating
  • Lage company.  Not a major factor, but I want a market capitalization of over $3 billion.  Larger companies that have good fundamentals seem to not fail very often...  SNA is a 11.8 billion dollar company.
So I purchased 7 shares at $182 each, costing me $1275.  This will earn a $34.44 annual dividend.  

Other larger purchases were Smuckers (SJM),  Lockheed-Martin (LMT), Steel Dynamics (STLD) and Netapp (NTAP).  All of these pass my screener, so I went shopping!

My BIG purchase was 45 shares of Onemain Holdings (OMF).   I was triggered by their second large special dividend in 6 months.  They had announced a ginormous $3.50 special dividend to go on top of their normal $.45 regular div payout.  I could not resist.  This is the 4th special dividend since late 2019.  
They love paying their share holders!  

My other large purchase was my formerly favorite holding, Whitehorse Finance (WHF) and their nearly 10% dividend.  They have not risen the dividend, but their payouts allow me to purchase other companies that do. 

In summary, I bought $8,881.21 of shares overall in February.   

This increases my annual dividend payouts by $548.29.  That's a 6.17% return.   Not too shabby.  One of my best months of investment ever.

Here's the breakdown....  


Until next month, stay safe!


Friday, March 5, 2021

FEBRUARY 2021 DIVIDENDS

Welcome to March.  2021 is going by at light speed.  2020 seemed to take forever.  

In the February blur of a month, we got to enjoy a weekend with a foot of snow.   


...which melted after 2 days.  

Also had a great butternut squash with mushroom and sage lasagne.   



And then there were dividends.  Getting paid for surviving another month.   The key to a future retirement!   

This month I received 29 dividends totalling $1,397.03    That was a 59.7% increase over 2019's $874.83.
My patience is beginning to pay off after all of the past efforts of dropping high yield REITs that slowly cut dividends and were losing value.

Here's the breakdown:


 My BIG haul was a special dividend of $395 from OMF.  Amazingly, this was their 2nd special dividend of the year and was quite the doozy.  Normally they pay a $0.45 dividend per share.   This was a $3.95 per share payout.   BAM

I also got my quarterly payment from AT&T and their 7% dividend.  One of the cornerstones of my portfolio that I plan on holding on to forever.  

This month's payment is the result of patient investment of dividend growth stocks.  Investing in solid companies that have a track record of beating inflation AND increasing the dividend more than the inflation rate also.   A win win. 

And it's motivation to work on getting another 59% increase.  It's March and I want to keep the ball rolling.  I can't wait to see the results!

Until then.....check ya later......

Friday, February 12, 2021

JANUARY 2021 DIVIDEND INCREASES

 Oh boy!  It's a new year and with that comes the annual horde of Dividend increases.

I love baby Yoda btw....


These increases are exactly why I invest in...drumroll....dividend growth stocks.  The magic of compounding begins and my return on my investment will grow year after year.  Here's an example:

If you had bought one share of Coca-Cola (KO) in 1919 for the $40 opening price, because of splits over the years, you would now have 9,216 shares.  With each share paying $1.64 cents in dividends per year, You would receive $15,114.24 annually (or a cool $3,778.56 every three months).   That's a 37,785% annual dividend payout yield. Wow.  I just like 5%

So increases are the center of the dividend investor universe.  And traditionally, December through February is the center of the  dividend hike season.

This January was no exemption.   I received 8 increases adding $38.59 in my annual dividends. Might not sound like much, but it really snowballs.

The big winner was Air Products and Chemicals (APD) and their 11.9% increase and wintrust Financial (WTFC) with a 10.7% hike.   

On a NSFW sidenote, I started looking at WTFC because the ticker symbol kind of sounded like "what the fuck"  👀....  And so I bought them.  

Overall, I had a 5.2% hike in dividends from these companies.  That's good stuff.  

Here's the breakdown!


And February will come the motherlode!   See ya then!


Thursday, February 11, 2021

JAN 2021 BUYS

 Jan 2021 will go down as one to remember when it comes to purchasing bits and pieces of companies.

My real cute dog is distracting me..



Anyhoo, to make a long story short, I invested $6,206.22 of saved up funds and got in on the ground floor of a few companies.  Also made a huge splash in a former holding that had a long record of being very stable and a huge dividend before COVID.  WHF.  My former largest holding.

Whitehorse Finance (WHF) righted the ship over this year and convinced me that I wanted a part of it again and their 10% dividend.  They do not increase the div, but also never cut it.   They rode out some major rough waters the made the dividend unsustainable.  They are back to having a decent payout ratio and making money.

 Another major purchase was getting a chunk of Comcast (CMCSA), and NetApp (NTAP).  

My new positions are not large, usually only one or two shares, but will make me want to increase as I see a small holding in comparison  to the rest of the companies.  That's what I did with Fifth Third Bank (FITB),  Snap On (SNA), and Steel Dynamics (STLD).  All have passed my stock screener of showing dividend increases, a low P/E, and a low dividend payout, giving room for this company to grow.  Here's my post about screening for stocks with a good value  Stock Screener

The result of my frenzied purchasing was investing $6,206.22 and increasing my annual dividend total by $359.85.   That resulted in a 5.8% yield on my purchases for the month.  Sweetness.  Someday I may actually enjoy the monies..


Well,  back to my dog now!



Saturday, February 6, 2021

JANUARY 2021 DIVIDENDS

Just for being alive, I earned income from 25 companies! 

 Another way to put it:  These 25 companies are working for me and pay me because I am an owner.  

Sweet.

The grand total for January was $982.96.  That's an average of $39.32 per company.  Not bad.

The big payout this month was a special dividend from Old Republic International (ORI).   I love those special dividends.  Hopefully they will pay a special dividend sooner than the two years it took since the last one.

I also began seeing a dividend from some of my newer holdings, like Comcast (CMCSA), and Canadian Natural Resources (CNQ).  I'm motivated to make those payouts larger than $10 each.  

Here's the breakdown.   



OH, and I saw Bernie Sanders in Leavenworth, WA.  See him?


 


 

Monday, February 1, 2021

2021 GOAL UPDATE - JAN 2021

 Well well well.  That month flew by.  And was a good month.  The fog and gloom that was 2020 is drifting further away with each day.  

Our dog sums it up best.  Just kick back and take it all in!.   Like my kid is doing in my Neon Zen Office.


January also means I have new goals for the year.   Last month I posted about it here:  2021 Goals.  

I made some amazing progress especially financially.   Here goes.

FINANCIAL GOALS

  1. Add $10,000 to my investment account.   Half way there in one month!  $5,000 down, $5K to go.
  2. See my dividend income increase by 10% from 2020.  Now that we are through the main evil of COVID, I think this is doable.  In 2020, my div income was $13,620.30.   I need to need to see it go up $1,362.03 this year.   After one month, I am up $186.99.   I need to average $113 er month, so I am ahead of the game.
  3. Save $8,000 for bills in 2021.  25% of the way there in one month. 
  4. Fulfill my goal of buying the equivalent in shares of what I spent in 2020 at the following: Knocked it out of the park!  Met my goals for Costco, Home Depot, Mcdonalds, Starbucks, Kroger, and  AT&T.  (the leftovers will go towards 2022)  I just need to focus on Target (TGT)




PERSONAL GOALS
  1. Go to Hawaii for 10 or more days.  I need beach.  I guarantee I will book this as soon as we are vaccinated.
  2. Exercise more.   Walk 10,000 steps per day.  So far, I am averaging 6,000 steps per day. 
  3. Drop about 30 lbs.  I am at 204 lb this morning of 1/1/21.  My doctor wants me to slim down.  My pants do too.  It's made my blood pressure creep up.  At 5'7", I need to be much lighter.  The walking will help.  So will goal # 4....  I am at 199 today.  Down 5 lbs in one month.  Good start.

  4. Eat very little sugar.  I cut out all snacks and high carb foods.  Have not eaten more than 30g of carbs per day.  
  5. Sell off more of my record collection.   I am out of room.   Still getting more.  Can't help it.  but I do have some to sell.
  6. Make more music and release an album..   made a cool song last week - inspired by industrial music of the 90's, I came up with this: (and the amazing title) Gordon Ramsay Goes To Jury Duty  
  7. Work on front yard garden.  A very rainy month, so I let it go.  But I did order a bunch of perennial herbs to surround the blueberries I am putting there.

Good month and will pat myself on the back.  But I will not start sucking my own dick just because I had a good 1/12th of a year.   This is a marathon.  



Sunday, January 10, 2021

UPDATED WATCH LIST AND PORTFOLIO

 It's been a while since I've posted an active watch list and current portfolio  So I just updated what I am looking at towards purchasing and what I would like to increase a stash of!

It a comes down to a decent dividend, a record of growing that dividend, a decent payout ratio so there's room to grow and not be forced to cut the dividend, a good P/E ratio to avoid buying an overpriced company, and a record of growth overall as a company (EPS).

Recently the EPS has been looking wonky, so I choose to ignore what 2020 looks like in comparison to 2019.

To see my portfolio, please go here:  PORTFOLIO


Here's the link to the page I keep this at.  WATCH LIST.

Here's the watch list:


Any questions or comments?  Please comment below!

Sunday, January 3, 2021

DECEMBER 2020 DIVIDENDS

 Welcome to 2021.  Super stoked we are no longer in 2020 and my football team is in the playoffs!  

And my kid like to startle the bejeezus out of me with stuff like this:


Best of all, December was a fun month for earning some passive income.  My March/June/September/December dividend months are always busy.   I see 44 companies pay out on these months.

I earned a total of $1542.22 in those 44 payments.

Here's the summary:


My big haul was a special dividend from Costco (COST) of $10 per share.  They tend to do this every other year or so and really makes up for the lower yield. Someday their dividend increases will be truly fat.  At least I hope.

The other winer for me was the Vanguard exchange traded fund VYM.   Gotten into it starting late this summer, and is a great go-to when I'm indecisive about buying shares.  This fund is chock full of dividend Aristocrats and contains more than half of my holdings.  It's like the greatest his of my portfolio!   I try to buy at least 4 every month.   Here's a great piece about why VYM is so awesome Why I’m Investing $500 Weekly with Vanguard ETFs.     

Now it's January and looking at another month with a special dividend that will blow the doors off from ORI.

Thoughts?  Please comment below

Saturday, January 2, 2021

DECEMBER 2020 BUYS

December was one of my more exciting months in a long time when it comes to making some buys for my portfolio.  

41 transactions in total.

The final tally at the end of the month was that I added $1,304.04 to my investments and gained $360.54 in annual dividends.  Taking profits and reinvesting resulted in getting a 27.4% return on my new money.

Took some profits.  Closed out on companies I was sick of holding.  Got into a few companies I had been waiting to get into.  Reintroduced myself to one of my former major holdings.   Lets go through these one by one after the chart...

TOOK PROFITS:  Took some Apple profits (AAPL) .  I was over 125% in equity gain.  I do love them and are a solid stock to hold onto, I took the profits to get some shares that give a better dividend return.  I will start buying them again in late March.

CLOSED OUT:   Closed out on my gas companies.  Got rid of Chevron (CVX) and Phillips 66 (PSX).  I see them as mired in a world where we are heading away from gas and oil consumption.  Covid has reduced commutes and I believe is a new normal.  Yes, they had nice dividends, but were in no position to increase them in the foreseeable future.  Bye bye.  Not feeling a bit of remorse.

I also closed out on Wal Mart (WMT).  I prefer owning Target, and I did not care for the way they pay out dividends.  Announce 4 payments once a year and have them pay in an odd pattern.   So I took their profits also.

NEW BUYS:   Comcast (CMCSA).  Been waiting far too long to get a position with Comcast.  

                         AIG Insurance (AIG)  Another patiently waiting on my watch list.

                         Lockheed Martin (LMT) Yet another that sat on my watch list forever.

                         Netapp (NTAP).  A tech company that has was a good value IMO.

                         Seagate Technology (STX). Another tech company I wanted to pull a trigger on.

                         Smuckers (SJM).  I honestly do not know why I did not own this years ago.

All of these companies passed my stock screener test: STOCK SCREENER(or at least got real close).  They all have a decent P/E ratio in the low 20's and below.  They all have a good track record of incresing their dividends.  They all have a dividend payout ratio of 60% and under, so they have room to grow and also room to take a financial hit without affecting the dividend.  And they all have a good track record of earnings per share growth (at least before COVID).  The pandemic puts that metric on pause.

REINTRODUCTION:   Back in early august, I wrote about how I jettisoned one of my biggest holdings, Whitehorse Finance (WHF), a business development company that I owned from their early days.  They had always paid out about 10% annually in dividends and I took full advantage of that for a solid 6 years.  

During the Pandemic, they took a major hit.  I wrote about it here: JULY 2020 BUYS, SELLS AND MAJOR CHANGES - PART 1

Their payout ratio (normally in a safe range) spiked up to 947%.  Their P/E also leaped up to 64.5.  If they did not right the ship, both the dividend and their stock price would have taken a major hit.  I had already experienced that with some REITs in 2019 and was not about to see my largest holding collapse.

Well, they righted the ship.  currently, their P/E is at 8.67. And their payout ratio is back down to about 90%.    

The cost of my protection from possible failure of WHF was a $450 dividend payout in Q4 and about $1 per share.  A small price to pay for the security of not losing $17K had they gone tits up.

OTHER BUYS:   I also increased my holdings in Kroger (KR), Western Union (WU), AT&T (T) of course, Robert Half (RHI), and Starbucks (SBUX).

To sum this up:  This was one fun month in investing and like where I am at more than ever.


Friday, January 1, 2021

DECEMBER 2020 DIVIDEND INCREASES

 Always a shorter post, but a very important part of my investing strategy - dividend increases.

Just to lengthen this post, here's my sugar cookie art skill.  

A rabid squirrel that just gave birth and is carrying its bloody newborn....


So here's a summary:


Amgen (AMGN) passed out a 10% dividend increase!   BAM!

Realty Income (O) did their regular quarterly .2% increase and AES upped theirs  by 5%.

This added $24.41 to my annual dividends.  

In January, I'll be looking for an increase from Kimberly Clark (KMB), Intel (INTC), Archer-Daniels Midland (ADM), and Air Products and Chemicals (APD).  

And I think my portfolio is safe from any more dividend cuts!  

2020 GOAL SUMMARY & 2021 GOALS

 We made it! The longest, most frustrating year is over.  2020 can go suck some eggs.   


A sucky 2020 did not mean I could ignore the goals I had to to accomplish.   Last year, I posted them online to keep me accountable.   Well,  let's see how I did:

FINANCIAL GOALS

  1. Add $5,000 to my investment account.  DONE  
  2. See my dividend income increase by 10% from 2019.  NOPE.  SHUFFLING SHARES AROUND IN 2020 AFTER DIVIDEND CUTS DID NOT BODE WELL.  -6% BUT IN A MUSCH BETTER PLACE MOVING FORWARD.
  3. Increase my holdings by 5 companies. Not just add to my current holdings, but have 100 companies to earn dividends from.  DONE
  4. Save $16,000 for bills in 2021: Property Tax, Home Insurance, Auto Insurance, Car Tabs, Water Bill, Electric Bill, Gas Bill, Internet, Phone Bill, TV Costs.   That's $43 per day.  I want to be a year ahead. Then in 2021 and beyond, I can put more into the market once I am ahead.  SAVED $8,000.  CHANGED MY GOAL TO $8K AND PUT THE REST IN THE MARKET AND REPLACED A CAR.  GOT TO $8K
  5. Fulfill my goal of buying the equivalent in shares of what I spent in 2019 at Costco, Target, Apple Store, Home Depot, Starbucks, and AT&T.  DONE OTHER THAN APPLE STORE SINCE I ALSO CHANGED THE TARGET COMPANIES.  SEE CHART BELOW



PERSONAL GOALS
  1. Take a spring road trip.  Yellowstone would be ideal.  DID THE REDWOOD FOREST IN NORTHERN CALIFORNIA.  COVID REALLY MESSED UP PLANS.
  2. Exercise more.   I was doing well until my right knee and left achilles acted up.  Fell out of routine.   DID SO FOR 9 MONTHS BUT FELL OFF AS WEATHER TURNED AND SHOULDER WENT ON THE FRITZ
  3. Drop about 20 lbs.   LET'S JUST TALK ABOUT THIS LATER.  THE COVID 15 IS REAL.
  4. Drink more green tea.  DONE
  5. Sell off some of my record collection.   It was a long term goal to sell eventually.  Well, I have run out of room.  I think I would rather sell than keep some of the ones I rarely listen to.  SOLD A FEW, AND FOR SOME GOOD PRICES.  BUT ALSO ADDED ABOUT 50 LPS
  6. Improve piano skills and improve guitar skills.  PIANO YES, GUITAR NOT REALLY.
  7. Blog more.  I HAD A LIFE, SO I FAILED ON THIS.
  8. Enjoy more oysters like these.  KIND OF DID!


Now 2021 is upon us.   Here are my goals:  

FINANCIAL GOALS

  1. Add $10,000 to my investment account.   This will be easy
  2. See my dividend income increase by 10% from 2020.  Now that we are through the main evil of COVID, I think this is doable
  3. Save $8,000 for bills in 2021.  That's $21 per day. 
  4. Fulfill my goal of buying the equivalent in shares of what I spent in 2020 at the following:

I am in fact a bit ahead of the game on some of these companies.  I will update next month.

PERSONAL GOALS
  1. Go to Hawaii for 10 or more days.  I need beach
  2. Exercise more.   Walk 10,000 steps per day
  3. Drop about 30 lbs.  I am at 204 lb this morning of 1/1/21.  My doctor wants me to slim down.  My pants do too.  It's made my blood pressure creep up.  At 5'7", I need to be much lighter.  The walking will help.  So will goal # 4....
  4. Eat very little sugar.
  5. Sell off more of my record collection.   I am out of room
  6. Make more music and release an album.
  7. Work on front yard garden.
Let's see how this shapes up...