tag:blogger.com,1999:blog-315162849310299292024-03-08T08:03:58.868-05:00A Christian InvestorA Chronicle Of My Journey To Retire By Age 56Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.comBlogger94125tag:blogger.com,1999:blog-31516284931029929.post-5749966603462027052018-05-17T15:44:00.003-04:002018-05-17T15:44:51.013-04:00Monthly Report: January 2018I will be making some changes to the monthly reports starting from today. From now on, I will only be sharing the dividends I receive and my savings rate on the monthly reports. I will share the market values on my taxable brokerage account, Roth IRA accounts, and 401(k) account every quarter. My brokerage only sends me statements quarterly for my Roth IRA accounts so it takes me a lot of time to compile the information. From a cost benefit analysis, it makes more sense for me to just post the numbers quarterly instead of having to compute all the amounts for every stock.<br />
<br />
Without further ado, below is the monthly report as of January 31, 2018:<br />
<div>
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $71.91)</span></u></b></div>
<div>
<ul>
<li><b>Cardinal Health, Inc. (CAH) - $9.26</b></li>
<li><b>Genuine Parts Company (GPC) - $14.41</b></li>
<li><b>Kimberly-Clark Corporation (KMB) - $19.63 (Increased 102.58% YOY)</b></li>
<li><b>Medtronic plc (MDT) - $6.55</b></li>
<li><b>Realty Income Corporation (O) - $6.19 (Increased 6.17% <b>YOY</b>)</b></li>
<li><b>Sysco Corporation (SYY) - $1.82</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $14.05 (Increased 3.84% <b>YOY</b>)</b></li>
<ul>
<li><b>Total taxable dividend income increased 73.78% YOY</b><b>.</b></li>
</ul>
</ul>
<div>
All dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $47.32</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Automatic Data Processing, Inc. (ADP) - $7.68 (Increased 12.28% YOY)</b></li>
<li><b>Cardinal Health, Inc. (CAH) - $7.45</b></li>
<li><b>Genuine Parts Company (GPC) - $8.28</b></li>
<li><b>Medtronic plc (MDT) - $6.55 (Increased 8.80% YOY)</b></li>
<li><b>Pepsi, Inc. (PEP) - $9.04 (Increased 9.18% YOY)</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $8.32</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income <span style="color: red;">decreased</span> <span style="color: red;">60.74%</span> <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">The main reason for the large decrease YOY is because I exchanged my entire position in VBLTX for VGHCX. VBLTX paid a monthly dividend, whereas VGHCX is more focused on capital appreciation.</span><br />
<span style="background-color: white;"><br /></span>
<span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">50.50%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was excellent for this month! I achieved my savings rate target of 25% in 2017 with an actual savings rate of 35.66% so I'm going to increase my savings rate target for 2018 to 30%. The savings rate for January is a great start to 2018.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com3tag:blogger.com,1999:blog-31516284931029929.post-16099147497149689712018-05-17T15:05:00.002-04:002018-05-17T15:05:30.913-04:00January Stock Purchases: HCP, PG, SO, WELLLife has been really busy for me the past few months, but I will try to catch up on my posts to keep everyone aware of my dividends I've been receiving, my portfolio, my stock purchases, and my savings rates.<br />
<br />
Below are my stock purchases for January:<br />
<ul>
<li>I purchased<span style="background-color: white;"> <b>20 </b></span><b>shares of HCP, Inc. (HCP) at $25.5799 per share</b><span style="background-color: white;"> in my taxable brokerage account. This is a </span><b>dividend yield of 5.79%, adding $29.60 to my taxable dividend income.</b></li>
<li>I purchased<span style="background-color: white;"> <b>10 </b></span><b>shares of Welltower Inc. (WELL) at $60.75 per share</b><span style="background-color: white;"> in my taxable brokerage account. This is a </span><b>dividend yield of 5.73%, adding $34.80 to my taxable dividend income.</b></li>
<li>I purchased <b>24 shares of The Southern Company (SO) at $46.75 per share</b> in my Roth IRA account. This is a <b>dividend yield of 4.96%, adding $55.68 to my non-taxable dividend income.</b></li>
<li>I purchased <b>13 shares of The Procter & Gamble Company (PG) at $86.50 per share</b> in my Roth IRA account. This is a <b>dividend yield of 3.32%, adding $37.31 to my non-taxable dividend income.</b></li>
</ul>
<div>
<span style="background-color: white;">After these purchases, </span><b>my taxable dividend income will increase by $64.40, and my non-taxable dividend income will increase by $92.99.</b></div>
<div>
<div>
<b><br /></b><i>What do you think of my January purchases? Do you own any of the same companies?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-87839586151684089692018-05-17T14:36:00.000-04:002018-05-17T14:36:58.251-04:002017 Goals ProgressOn my 9/8/2015 <a href="http://achristianinvestor.blogspot.com/2015/09/the-point-at-which-i-can-retire.html" target="_blank">post</a>, I had written that the point I can retire is when my passive income I receive exceeds my expenses. And that amount is $3,000 per month in passive income. Therefore, my goal at that time of the post was to receive $36,000 in dividends by 2041. I had also posted a breakdown of target dividend income goals for each year from 2015 to 2041, which can be found <a href="http://achristianinvestor.blogspot.com/p/goals-progress.html" target="_blank">here</a>.<br />
<br />
<a name='more'></a>Now that 2017 has passed, it's time to reflect on how I did. <b>My 2017 dividend goal was $6,000 as of 5/3/2017. The actual amount of dividends I received was $7,346.95. I surpassed this goal by $1,346.95, or 22.45%!</b> This is 20.41% of $36,000, which means I've already attained 20.41% of the total dividends I need to retire. I would say that 2017 was a great year - significantly exceeding my dividend goals.<br />
<br />
Since the amount of dividends I actually received exceeds the projected 2018 dividends, I'll need to revise my projected dividend amounts. You can find these revised projected dividend goals for each year <a href="http://achristianinvestor.blogspot.com/p/goals-progress.html" target="_blank">here</a>. <b>For 2018, my goal is to receive $7,800 in dividend income.</b> This dividend goal of $7,800 for 2018 is a 6.17% increase from the $7,346.95 dividends I received in 2017. I'm counting on dividend growth, dividend reinvestments, and new capital to achieve this goal.<br />
<br />
<i>What do you think of my dividend goal for 2018? Do you have any goals or financial new year's resolutions for 2018?</i>Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com1tag:blogger.com,1999:blog-31516284931029929.post-91115612660195049672018-03-19T20:44:00.004-04:002018-03-19T20:55:32.229-04:002017 Passive Income CoverageAs another year has passed by, I'm one more year closer to financial independence and retirement. It feels like time just keeps flying by faster and faster... and I feel it especially so because I can see my children growing up. I still remember bringing my firstborn back from the hospital and now he's talking with his own personality. Looking back at his baby pictures and looking at him now just reminds me of how fast time flew by.<br />
<div>
<br /></div>
<div>
I mention financial independence and retirement as if they are two different things, and to me, they are. Financial independence is the point in which I no longer need to work to survive since my investments can cover my living expenses. With financial independence, I can still choose to work if I want to; it also gives me the independence to do work that I'm passionate about, without having to worry whether my salary can support my family. On the other hand, retirement is quitting the workforce and no longer working.</div>
<div>
<br /></div>
<div>
For me, my goal is to reach financial independence ASAP and aim to retire by the age of 56 in 2041. I still have a while to go before retirement, but I'm hoping to quickly get to the point where my passive income can cover all my expenses so that I don't need to worry about supporting my family in case I get laid off (God forbid).</div>
<div>
<br /></div>
<div>
For purposes of my "Passive Income Coverage" posts, I will only consider my dividend income and rental income.</div>
<div>
<br /></div>
<div>
Below are my dividends and rental income for 2017:<br />
<a name='more'></a><ul>
<li><b>Dividends From Taxable Brokerage Account = $3,298.46</b></li>
<li><b>Dividends From Roth IRA Account = $4,048.49</b></li>
<li><b>Rental Income = $18,000.00</b></li>
<ul>
<li><b>Total Passive Income = $25,346.95</b></li>
</ul>
</ul>
<div>
<b>My total living expenses for 2017 is $61,087.16. </b>This does not include money spent on charitable contributions and investing. The reason I did not include these amounts into my living expenses is because they are not costs that are necessary in retirement. I do not <i>have to </i>make charitable contributions nor do I <i>have to </i>have money to invest with when I am in retirement. My total living expenses for 2017 is $19,138 more than 2016. The main reasons are due to increased children's expenses, my accelerated real estate tax payments at the end of 2017, and car payments. I had to buy a bigger car to accommodate my bigger family, and so I bought a new car with a 5 year loan at 0% interest with no down payment. Now I know some frugal people will think I'm stupid for buying a new car instead of a used car, but it's psychological for me. I like the peace of knowing that I'm buying a brand new car with no problems instead of having to worry I got tricked into buying a used car with issues I didn't identify. So yea, that pretty much explains my increased living expenses from the prior year.</div>
<div>
<br /></div>
<div>
So for 2017, <b>my passive income covered 41.49% of my living expenses.</b> My passive income coverage percent decreased compared to 2016, which was 54.57%. Again, this is primarily due to my increased living expenses. The good news though is that my passive income is increasing. These living expenses should be significantly lower in retirement because hopefully I will no longer have to pay for any of my children's expenses and I don't plan on having any car payments to make in retirement. Overall, I think I am still heading in the right track because my passive income is consistently growing and a 41.49% passive income coverage is still pretty good in my opinion.</div>
<div>
<br /></div>
<div>
I'm looking forward to what 2017 has in store for me. Hopefully good investments, increasing dividends, and enjoying life's precious moments.</div>
<div>
<br /></div>
<div>
<i>How much of your investments or passive income covers your living expenses?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com3tag:blogger.com,1999:blog-31516284931029929.post-11772901907171340292018-01-05T18:31:00.000-05:002018-01-05T18:31:26.389-05:00Monthly Report: December 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of December 31, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $793.70)</span></u></b></div>
<div>
<ul>
<li><b>3M Company (MMM) - $5.98</b></li>
<li><b>Bank of America Corporation (BAC) - $15.65 (Increased 61.34% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $12.23 (Increased 0.91% YOY)</b></li>
<li><b>The Coca-Cola Company (KO) - $20.87 (Increased 1.31% <b>YOY</b>)</b></li>
<li><b>Consolidated Edison, Inc. (ED) - $118.87 (Increased 6.24% <b>YOY</b>)</b></li>
<li><b>Dominion Resources, Inc. (D) - $3.96</b></li>
<li><b>Emerson Electric Co. (EMR) - $26.82 (Increased 4.03% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $30.79 (Increased 54.34% YOY)</b></li>
<li><b>Johnson & Johnson (JNJ) - $8.56 (Increased 1.78% YOY)</b></li>
<li><b>Kellogg Company (K) - $16.24 (Increased 2,852.73% YOY)</b></li>
<li><b>The Kraft Heinz Company (KHC) - $12.50 (Increased 13,788.89% YOY)</b></li>
<li><b>McDonald's Corp. (MCD) - $117.39 (Increased 9.31% <b>YOY</b>)</b></li>
<li><b>Microsoft Corporation (MSFT) - $254.08 (Increased 10.18% <b>YOY</b>)</b></li>
<li><b>Pfizer Inc. (PFE) - $18.43 (Increased 9.12% <b>YOY</b>)</b></li>
<li><b>Realty Income Corporation (O) - $6.16 (Increased 6.39% <b>YOY</b>)</b></li>
<li><b>Southern Company (SO) - $16.20 (Increased 7.86% YOY)</b></li>
<li><b>Target Corp. (TGT) - $54.79 (Increased 64.98% <b>YOY</b>)</b></li>
<li><b>Time Inc. (TIME) - $0.04 (<span style="color: red;">Decreased 80.95%</span> YOY)</b></li>
<li><b>V.F. Corporation (VFC) - $18.34 (Increased 376.36% YOY)</b></li>
<li><b>Walgreens Boots Alliance, Inc. (WBA) - $10.00</b></li>
<li><b>W.W. Grainger, Inc. (GWW) - $25.80</b></li>
<ul>
<li><b>Total taxable dividend income of $793.70 increased 28.47% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are D, GWW, MMM, and WBA.</span> <span style="background-color: white;">Existing positions I added fresh capital to this year are K, TGT, VFC, and XOM.</span><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. TIME cut its dividend so that's a bummer, but TIME is also a company in my portfolio as a result of my parents purchasing AOL for me many years ago. Over<span style="background-color: white;">all, I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $1,939.17</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>3M Company (MMM) - $8.37</b></li>
<li><b>Archer-Daniels-Midland Company (ADM) - $12.11 (Increased 9.69% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $13.34 (<span style="color: red;">Decreased 1.55%</span><b>YOY</b>)</b></li>
<li><b>Emerson Electric Co. (EMR) - $11.42 (Increased 4.20% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $9.50 (Increased 1.93% YOY)</b></li>
<li><b>Kellogg Company (K) - $8.22</b></li>
<li><b>Target Corp. (TGT) - $10.24 (Increased 6.67% <b>YOY</b>)</b></li>
<li><b>Unilever plc (UL) - $11.97</b></li>
<li><b>V.F. Corporation (VFC) - $8.46 (Increased 11.90% YOY)</b></li>
<li><b>W.W. Grainger, Inc. (GWW) - $6.50</b></li>
<li><b>Vanguard Health Care Fund Investor Shares (VGHCX) - $1,457.35</b></li>
<li><b>Vanguard REIT Index Fund Admiral Shares (VGSLX) - $381.69 (<span style="color: red;">Decreased 21.77%</span> <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $301.16 increased 12.55% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are GWW, K, and MMM.</span> CVX<span style="background-color: white;"> had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts. VGSLX had a YOY decrease as well, but the distributions are entirely up to the fund managers. This is one of the annoying things about mutual funds; because the distributions are based on the fund managers' discretion, they fluctuate so it's difficult to get a reliable estimate of the amount of distributions expected to be received from year to year. However, I don't want to sell these mutual funds since I want some diversification in case my individual stock picking skills don't pan out as well as I'd like. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. Over<span style="background-color: white;">all, I'm very happy with the total year over year dividend increase.</span><br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $508,071.57</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $153,138.46 </b><span style="background-color: white;"><b>(Increased 2.41% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $90,679.21 (Increased 0.86% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $264,253.90 (Increased 1.53% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 1.67% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">0%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was terrible for this month as I had <i>no </i>savings. I actually had to slightly tap into my emergency savings, but I can explain why. The two main reasons I had no savings this month was because I spent a decent chunk of money on vacation, and also because I decided to pay my first and second quarter real estate taxes for 2018 this month. Due to the new tax law changes signed by our president, I decided to accelerate my real estate tax payments due 2018 in 2017. I think this is the right move for our family so I'm ok with not having any savings this month.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com5tag:blogger.com,1999:blog-31516284931029929.post-63689694858512289052018-01-05T18:29:00.000-05:002018-01-05T18:29:29.318-05:00Monthly Report: November 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of November 30, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $98.02)</span></u></b></div>
<div>
<ul>
<li><b>Air Products and Chemicals, Inc. (APD) - $4.81</b></li>
<li><b>AT&T Inc. (T) - $9.86</b></li>
<li><b>The Clorox Company (CLX) - $8.56</b></li>
<li><b>Colgate-Palmolive Company (CL) - $13.35</b></li>
<li><b>General Mills, Inc. (GIS) - $14.74</b></li>
<li><b>HCP, Inc. (HCP) - $12.95</b></li>
<li><b>Hormel Foods Corporation (HRL) - $1.70</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $4.97 (Increased 0.40% <b>YOY</b>)</b></li>
<li><b>The Procter & Gamble Company (PG) - $10.50 (<span style="color: red;">Decreased 0.47%</span> YOY)</b></li>
<li><b>Realty Income Corporation (O) - $6.13 (Increased 6.24% <b>YOY</b>)</b></li>
<li><b>Time Warner Inc. (TWX) - $4.48 (<span style="color: red;">Decreased 2.40%</span> <b>YOY</b>)</b></li>
<li><b>Verizon Communications Inc. (VZ) - $5.97</b></li>
<ul>
<li><b>Total taxable dividend income of $98.02 increased 348.81% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are APD, GIS, HCP, HRL, T, and VZ.</span> An e<span style="background-color: white;">xisting position I added fresh capital to this year is CL.</span><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> The reason for the decrease YOY for PG and TWX is due to the liquidation of my partial shares when I consolidated my brokerage accounts. I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $97.45</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Air Products and Chemicals, Inc. (APD) - $7.70</b></li>
<li><b>The Clorox Company (CLX) - $7.70 (Increased 6.94% YOY)</b></li>
<li><b>Colgate-Palmolive Company (CL) - $6.88</b></li>
<li><b>General Mills, Inc. (GIS) - $8.97</b></li>
<li><b>HCP, Inc. (HCP) - $13.27</b></li>
<li><b>Hormel Foods Corporation (HRL) - $5.67</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $7.77 (Increased 1.44% <b>YOY</b>)</b></li>
<li><b>Omega Healthcare Investors, Inc. (OHI) - $24.34</b></li>
<li><b>Welltower Inc. (HCN) - $15.15</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $97.45 <span style="color: red;">decreased 11.44%</span> <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are APD, HCN, HCP, and OHI. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> </span>The reason for the decrease in my non-taxable dividend income is because I exchanged my entire position in VBLTX for VGHCX.<br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $499,719.38</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $149,530.58 </b><b><span style="background-color: white;">(Increased 3.48% </span><span style="background-color: white;">from prior month)</span></b></li>
<li><b style="background-color: white;">Roth IRA - $89,910.21 (Increased 2.70%</b><b style="background-color: white;"> from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $260,278.59 (Increased 3.25%</b><b style="background-color: white;"> from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 3.22%</b><b style="background-color: white;"> from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">36.03%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was pretty good for this month since it's above my 25% savings rate target.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com0tag:blogger.com,1999:blog-31516284931029929.post-27969140863803923262018-01-05T18:16:00.000-05:002018-01-05T18:16:22.393-05:00Monthly Report: October 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of October 31, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $61.45)</span></u></b></div>
<div>
<ul>
<li><b>Cardinal Health, Inc. (CAH) - $2.31</b></li>
<li><b>The Coca-Cola Company (KO) - $20.70 (Increased 6.43% <b>YOY</b>)</b></li>
<li><b>Genuine Parts Company (GPC) - $14.31</b></li>
<li><b>Kimberly-Clark Corporation (KMB) - $9.85 (Increased 2.39% YOY)</b></li>
<li><b>Medtronic plc (MDT) - $6.51</b></li>
<li><b>Realty Income Corporation (O) - $6.11 (Increased 6.26% <b>YOY</b>)</b></li>
<li><b>Sysco Corporation (SYY) - $1.66</b></li>
<ul>
<li><b>Total taxable dividend income of $61.45 increased 75.32% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are CAH, GPC, and SYY.</span> An e<span style="background-color: white;">xisting position I added fresh capital to this year is KMB.</span><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $29.05</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Automatic Data Processing, Inc. (ADP) - $6.92</b></li>
<li><b>Cardinal Health, Inc. (CAH) - $7.40</b></li>
<li><b>Genuine Parts Company (GPC) - $8.22</b></li>
<li><b>Medtronic plc (MDT) - $6.51</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $29.05 <span style="color: red;">decreased 70.07%</span> <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are CAH and GPC.</span> The reason for the large decrease in my non-taxable dividend income is because I exchanged my entire position in VBLTX for VGHCX.<br />
<span style="background-color: white;"><br /></span>
<span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $484,133.58</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $144,499.23 </b><span style="background-color: white;"><b>(Increased 9.39% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $87,545.50 (<span style="color: red;">Decreased 0.86%</span> from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $252,088.85 (Increased 2.44% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 3.79% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">8.95%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate for this month is the lowest year to date, and it's also lower than my 25% savings rate target. I'm not pleased with this low savings rate in comparison to my savings rates historically, but having any kind of savings is still better than no savings at all.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com0tag:blogger.com,1999:blog-31516284931029929.post-2654514576629496202018-01-02T21:00:00.002-05:002018-01-02T21:00:06.696-05:00Bought: CAH, HCN, HCP, K, KHC, KMB, OHI, T, WBAHappy New Year everyone! With 2017 behind us, it's time to reflect on our new year's resolutions, our goals, our achievements, and our areas for improvement. I make it a habit to set new year's resolutions every year and aim to achieve as many of them as possible. Looking back over this past year, I have achieved a majority of my new year's resolutions so I'm very happy about that. With the start of the new year, I'm optimistic that 2018 will be just as good, if not better, than 2017.<br />
<br />
It's been a while since I've posted, but I plan to post my monthly reports for October, November, and December before the end of this month.<br />
<br />
October was a great month for picking up stocks, and I did my best to capitalize on that opportunity. I also made some purchases in November and December as well. Below are my stock purchases for the months of October, November, and December:<br />
<a name='more'></a><ul>
<li><span style="background-color: white;">I purchased <b>5 shares of Cardinal Health, Inc. (CAH) at $62.75 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.95%, adding $9.25 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Cardinal Health, Inc. (CAH) at $58.15 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.18%, adding $18.50 to my taxable dividend income.</b></span></li>
<li>I purchased<span style="background-color: white;"> </span><b>5 shares of Welltower Inc. (HCN) at $64.35 per share</b><span style="background-color: white;"> in my taxable brokerage account. This is a </span><b>dividend yield of 5.41%, adding $17.40 to my taxable dividend income.</b></li>
<li>I purchased<span style="background-color: white;"> <b>10 </b></span><b>shares of HCP, Inc. (HCP) at $25.60 per share</b><span style="background-color: white;"> in my taxable brokerage account. This is a </span><b>dividend yield of 5.78%, adding $14.80 to my taxable dividend income.</b></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Kellogg Company (K) at $60.429 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.57%, adding $21.60 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of The Kraft Heinz Company (KHC) at $76.60 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.26%, adding $25 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>5 shares of Kimberly-Clark Corporation (KMB) at $112 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.46%, adding $19.40 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Omega Healthcare Investors, Inc. (OHI) at $28.25 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 9.20%, adding $26 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>20 shares of Omega Healthcare Investors, Inc. (OHI) at $26.83 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 9.69%, adding $52 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of AT&T Inc. (T) at $33.495 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 5.97%, adding $20 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Walgreens Boot Alliance, Inc. (WBA) at $71.6299 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.23%, adding $16 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Walgreens Boot Alliance, Inc. (WBA) at $67.83 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.36%, adding $16 to my taxable dividend income.</b></span></li>
</ul>
<span style="background-color: white;">After these purchases, <b>my taxable dividend income will increase by $255.95.</b></span><div>
<b><br /></b><i>What do you think of my October, November, and December purchases? Do you own any of the same companies?</i></div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-76730627135754904722017-10-11T16:54:00.003-04:002017-10-11T16:54:46.773-04:00Monthly Report: September 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of September 30, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $713.88)</span></u></b></div>
<div>
<ul>
<li><b>3M Company (MMM) - $5.94</b></li>
<li><b>Bank of America Corporation (BAC) - $15.58 (Increased 61.45% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $12.12 (Increased 2.02% YOY)</b></li>
<li><b>Consolidated Edison, Inc. (ED) - $117.91 (Increased 6.32% <b>YOY</b>)</b></li>
<li><b>Dominion Resources, Inc. (D) - $3.85</b></li>
<li><b>Emerson Electric Co. (EMR) - $26.34 (Increased 4.19% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $30.49 (Increased 54.15% YOY)</b></li>
<li><b>Johnson & Johnson (JNJ) - $8.51 (Increased 1.79% YOY)</b></li>
<li><b>Kellogg Company (K) - $5.40 (Increased 1,025.00% YOY)</b></li>
<li><b>McDonald's Corp. (MCD) - $108.60 (Increased 7.80% <b>YOY</b>)</b></li>
<li><b>Microsoft Corporation (MSFT) - $234.71 (Increased 10.96% <b>YOY</b>)</b></li>
<li><b>Pfizer Inc. (PFE) - $18.26 (Increased 9.01% <b>YOY</b>)</b></li>
<li><b>Realty Income Corporation (O) - $6.07 (Increased 6.12% <b>YOY</b>)</b></li>
<li><b>Southern Company (SO) - $16.01 (Increased 7.74% YOY)</b></li>
<li><b>Target Corp. (TGT) - $54.21 (Increased 83.83% <b>YOY</b>)</b></li>
<li><b>Time Inc. (TIME) - $0.04 (<span style="color: red;">Decreased 80.00%</span> YOY)</b></li>
<li><b>V.F. Corporation (VFC) - $16.63 (Increased 23,657.14% YOY)</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $13.96 (<span style="color: red;">Decreased 4.90%</span> <b>YOY</b>)</b></li>
<li><b>W.W. Grainger, Inc. (GWW) - $19.25</b></li>
<ul>
<li><b>Total taxable dividend income of $713.88 increased 21.74% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are D, GWW, K, and MMM.</span> <span style="background-color: white;">Existing positions I added fresh capital to this year are GWW, K, TGT, XOM.</span><span style="background-color: white;"> TIME had a YOY decrease due to a huge dividend cut; </span><span style="background-color: white;">WMT had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts. Once TIME is trading at a gain, I plan on exiting out of the position. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies.<span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $370.82</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>3M Company (MMM) - $8.32</b></li>
<li><b>Archer-Daniels-Midland Company (ADM) - $12.02 (Increased 9.67% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $13.22 (<span style="color: red;">Decreased 0.45% </span><b>YOY</b>)</b></li>
<li><b>Emerson Electric Co. (EMR) - $11.22 (Increased 4.37% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $9.41 (Increased 1.84% YOY)</b></li>
<li><b>Kellogg Company (K) - $8.16</b></li>
<li><b>Pepsi, Inc. (PEP) - $8.98</b></li>
<li><b>Target Corp. (TGT) - $10.13</b></li>
<li><b>Unilever plc (UL) - $11.67</b></li>
<li><b>V.F. Corporation (VFC) - $7.68</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $8.27</b></li>
<li><b>W.W. Grainger, Inc. (GWW) - $6.45</b></li>
<li><b>Vanguard REIT Index Fund Admiral Shares (VGSLX) - $255.29 (Increased 49.34% <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $370.82 increased 19.60% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are GWW, K, MMM, and WMT.</span> CVX<span style="background-color: white;"> had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies.<span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<div>
<span style="background-color: white;"><br /></span></div>
<span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $466,471.72</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $132,090.68 </b><span style="background-color: white;"><b>(Increased 3.81% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $88,305.39 (Increased 0.96% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $246,075.65 (Increased 3.03% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 2.85% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">63.13%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was excellent for this month! This is the highest so far year to date. 50% or more in savings rate is definitely a big achievement for me.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com6tag:blogger.com,1999:blog-31516284931029929.post-47021155438039945982017-10-11T15:30:00.002-04:002017-10-11T15:30:29.815-04:00Monthly Report: August 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of August 31, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $68.00)</span></u></b></div>
<div>
<ul>
<li><b>Air Products and Chemicals, Inc. (APD) - $4.78</b></li>
<li><b>AT&T Inc. (T) - $4.90</b></li>
<li><b>The Clorox Company (CLX) - $8.50</b></li>
<li><b>Colgate-Palmolive Company (CL) - $13.27</b></li>
<li><b>General Mills, Inc. (GIS) - $4.90</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $4.93 (Increased 0.20% <b>YOY</b>)</b></li>
<li><b>The Procter & Gamble Company (PG) - $10.43 (<span style="color: red;">Decreased 0.38%</span> YOY)</b></li>
<li><b>Realty Income Corporation (O) - $6.05 (Increased 7.08% <b>YOY</b>)</b></li>
<li><b>Time Warner Inc. (TWX) - $4.46 (<span style="color: red;">Decreased 2.19%</span> <b>YOY</b>)</b></li>
<li><b>Verizon Communications Inc. (VZ) - $5.78</b></li>
<ul>
<li><b>Total taxable dividend income of $68.00 increased 214.96% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are APD, GIS, T, and VZ.</span> <span style="background-color: white;">Existing positions I added fresh capital to this year is CL and GIS.</span><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> </span><span style="background-color: white;">The reason for the decrease YOY for PG and TWX is due to the liquidation of my partial shares when I consolidated my brokerage accounts. </span><span style="background-color: white;">I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $115.15</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Air Products and Chemicals, Inc. (APD) - $7.65</b></li>
<li><b>The Clorox Company (CLX) - $7.65</b></li>
<li><b>Colgate-Palmolive Company (CL) - $6.84</b></li>
<li><b>General Mills, Inc. (GIS) - $8.89</b></li>
<li><b>HCP, Inc. (HCP) - $13.10</b></li>
<li><b>Hormel Foods Corporation (HRL) - $5.64</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $7.72 (Increased 1.45% <b>YOY</b>)</b></li>
<li><b>Omega Healthcare Investors, Inc. (OHI) - $23.48</b></li>
<li><b>Welltower Inc. (HCN) - $14.96</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $19.22 (<span style="color: red;">Decreased 80.41%</span> <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $115.15 increased 8.91% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are APD, HCN, HCP, and OHI.</span><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> <b><span style="color: red;">On 8/4/2017, I exchanged all my shares of VBLTX for VGHCX, which is why VBLTX has a large decrease YOY</span></b></span><span style="background-color: white;"><b><span style="color: red;">.</span></b> VBLTX was paying a decent dividend yield, but the monthly distributions varied from month to month with some months showing a decrease YOY. Additionally, the rate of return was not the greatest and I feel that I may get a better return on my money if I invest in VGHCX. VGHCX focuses more on capital appreciation versus income so the objective for the money invested into this fund is different. The money invested in VGHCX will be focused more on growing the money quickly over a long period of time. I didn't want to completely sell everything and buy dividend growth stocks since I still want to have some money invested in mutual funds just to hedge my risk in case my dividend stock picks don't pan out as well as I would like. Overall, </span><span style="background-color: white;">I'm happy with the total year over year dividend increase.</span><br />
<br />
<span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $453,547.54</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $127,247.37 </b><span style="background-color: white;"><b>(Increased 2.72% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $87,462.65 (Increased 1.23% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $238,837.52 (Increased 1.35% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 1.71% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">59.01%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was excellent for this month! This is the highest so far year to date. 50% or more in savings rate is definitely a big achievement for me.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-69382320115319822702017-10-11T14:18:00.003-04:002017-10-11T14:18:46.605-04:00Bought: CAH, GIS, GWW, HCP, HRL, K, KHC, KMB, T, WBAIt's been a while since I've posted on here... Life has been crazy hectic with work and trying to raise two kids haha... August and September seemed to have a lot of great buying opportunities in my opinion as there seemed to be a lot of dips in a lot of decent companies.<br />
<div>
<br /></div>
<div>
Below are my stock purchases for the months of August and September:</div>
<div>
<a name='more'></a><ul>
<li><span style="background-color: white;">I purchased <b>16 shares of Cardinal Health, Inc. (CAH) at $70.50 per share</b> in my wife's Roth IRA account. This is a <b>dividend yield of 2.62%, adding $29.60 to my non-taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>5 shares of Cardinal Health, Inc. (CAH) at $67 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.76%, adding $9.25 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of General Mills, Inc. (GIS) at $51.099 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.84%, adding $19.60 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>5 shares of W.W. Grainger, Inc. (GWW) at $161 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.18%, adding $25.60 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>25 shares of HCP, Inc. (HCP) at $27.87 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 5.31%, adding $37 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Hormel Foods Corporation (HRL) at $31.35 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.17%, adding $6.80 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>10 shares of Kellogg Company (K) at $64 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.38%, adding $21.60 to my taxable dividend income.</b></span></li>
<li>I purchased <b>5 shares of The Kraft Heinz Company (KHC) at $84.92 per share</b><span style="background-color: white;"> in my taxable brokerage account. This is a </span><b>dividend yield of 2.94%, adding $12.50 to my taxable dividend income.</b></li>
<li><span style="background-color: white;">I purchased <b>5 shares of The Kraft Heinz Company (KHC) at $80.65 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.10%, adding $12.50 to my taxable dividend income.</b></span></li>
<li><span style="background-color: white;">I purchased <b>5 shares of Kimberly-Clark Corporation (KMB) at $118 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.29%, adding $19.40 to my taxable dividend income.</b></span></li>
<li>I purchased <b>10 shares of AT&T Inc. (T) at $35.55 per share</b><span style="background-color: white;"> in my taxable brokerage account. This is a </span><b>dividend yield of 5.51%, adding $19.60 to my taxable dividend income.</b></li>
<li><span style="background-color: white;">I purchased <b>5 shares of Walgreens Boot Alliance, Inc. (WBA) at $78.735 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.03%, adding $8 to my taxable dividend income.</b></span></li>
</ul>
<div>
After these purchases, <b>my taxable dividend income will increase by $191.85, and my non-taxable dividend income will increase by $29.60.</b><br />
<b><br /></b>
<i>What do you think of my August and September purchases? Do you own any of the same companies?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com0tag:blogger.com,1999:blog-31516284931029929.post-77315777585239591092017-10-11T10:57:00.003-04:002017-10-11T10:57:53.034-04:00Monthly Report: July 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of July 31,2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $55.31)</span></u></b></div>
<div>
<ul>
<li><b>The Coca-Cola Company (KO) - $20.53 (Increased 6.37% <b>YOY</b>)</b></li>
<li><b>Genuine Parts Company (GPC) - $10.86</b></li>
<li><b>Kimberly-Clark Corporation (KMB) - $9.77 (Increased 2.20% YOY)</b></li>
<li><b>Medtronic plc (MDT) - $6.47</b></li>
<li><b>Realty Income Corporation (O) - $6.03 (Increased 7.10% <b>YOY</b>)</b></li>
<li><b>Sysco Corporation (SYY) - $1.65</b></li>
<ul>
<li><b>Total taxable dividend income of $55.31 increased 59.30% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are GPC and SYY.</span> <span style="background-color: white;">Existing positions I added fresh capital to this year is GPC.</span><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $121.25</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Automatic Data Processing, Inc. (ADP) - $6.88</b></li>
<li><b>Genuine Parts Company (GPC) - $8.16</b></li>
<li><b>Medtronic plc (MDT) - $6.47</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $99.74 (Increased 2.39% <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $121.25 increased 24.47% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year is GPC. </span><span style="background-color: white;">All other dividend increases are from dividends reinvested and dividend raises from the companies.</span><span style="background-color: transparent;"> </span><span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $445,929.42</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $123,875.35 </b><span style="background-color: white;"><b>(Increased 4.59% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $86,402.23 (Increased 0.81% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $235,651.84 (Increased 2.30% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 2.63% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">33.09%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was pretty good for this month since it's still above my 25% savings rate target so I'm happy.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-54675346713739408502017-08-17T20:13:00.000-04:002017-08-17T20:13:53.626-04:00Bought: GIS, GPC, K, VZJuly was a month that saw a dip in the stock market, so I decided to capitalize on the opportunity to initiate some new positions as well as add to existing ones. I've been making multiple purchases in smaller amounts to diversify, initiate new positions to diversify, and average down my cost basis in various companies. The purchases have been in smaller amounts because I've also been trying to save up money for a potential large expense that may come up in the near future. I believe that by the end of this month, I should have the minimum cash reserve I need to account for the large expense. After that, I can begin aggressively buying up stocks in larger amounts to try to reach financial independence as quickly as possible.<br />
<br />
In any case, see below for my purchases for the month of July:<br />
<a name='more'></a><ul>
<li>I purchased <b>10 shares of General Mills (GIS) at $54.20 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.62%, adding $19.60 to my taxable dividend income.</b></li>
<li>I purchased <b>5 shares of Genuine Parts Company (GPC) at $84 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.21%, adding $13.50 to my taxable dividend income.</b></li>
<li>I purchased <b>10 shares of Kellogg Company (K) at $67.53 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.20%, adding $21.60 to my taxable dividend income.</b></li>
<li>I purchased <b>10 shares of Verizon (VZ) at $44.60 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 5.18%, adding $23.10 to my taxable dividend income.</b></li>
</ul>
After these purchases, my <b>taxable dividend income will increase by $77.80.</b><br />
<i><br /></i><i>What do you think of my July stock purchases? Do you own any of the same companies?</i>Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com4tag:blogger.com,1999:blog-31516284931029929.post-72982398566559827502017-08-15T12:17:00.001-04:002017-08-15T12:17:51.663-04:00Monthly Report: June 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as <span style="background-color: white;">of June 30, 2017:</span><br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $687.66)</span></u></b></div>
<div>
<ul>
<li><b>3M Company (MMM) - $5.91</b></li>
<li><b>Bank of America Corporation (BAC) - $9.71 (Increased 51.48% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $12.00 (Increased 2.04% YOY)</b></li>
<li><b>Consolidated Edison, Inc. (ED) - $116.96 (Increased 6.37% <b>YOY</b>)</b></li>
<li><b>Dominion Resources, Inc. (D) - $3.81</b></li>
<li><b>Emerson Electric Co. (EMR) - $26.13 (Increased 4.31% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $30.21 (Increased 53.98% YOY)</b></li>
<li><b>Johnson & Johnson (JNJ) - $8.45 (Increased 1.81% YOY)</b></li>
<li><b>McDonald's Corp. (MCD) - $107.94 (Increased 7.93% <b>YOY</b>)</b></li>
<li><b>Microsoft Corporation (MSFT) - $233.44 (Increased 11.13% <b>YOY</b>)</b></li>
<li><b>Pfizer Inc. (PFE) - $18.09 (Increased 8.91% <b>YOY</b>)</b></li>
<li><b>Realty Income Corporation (O) - $5.99 (Increased 6.96% <b>YOY</b>)</b></li>
<li><b>Southern Company (SO) - $15.83 (Increased 7.69% YOY)</b></li>
<li><b>Target Corp. (TGT) - $51.92 (Increased 92.51% <b>YOY</b>)</b></li>
<li><b>Time Inc. (TIME) - $0.04 (<span style="color: red;">Decreased 80.00%</span> YOY)</b></li>
<li><b>Time Warner Inc. (TWX) - $4.45 (<span style="color: red;">Decreased 1.98%</span> <b>YOY</b>)</b></li>
<li><b>V.F. Corporation (VFC) - $16.51 (Increased 23,485.71% YOY)</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $13.87 (<span style="color: red;">Decreased 4.87%</span> <b>YOY</b>)</b></li>
<li><b>W.W. Grainger, Inc. (GWW) - $6.40</b></li>
<ul>
<li><b>Total taxable dividend income of $687.66 increased 19.24% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are D, GWW, and MMM.</span> <span style="background-color: white;">Existing positions I added fresh capital to this year are TGT, VFC, and XOM.</span><span style="background-color: white;"> Unfortunately, TIME had a huge dividend cut. I am obviously not happy about the dividend cut, but I don't plan on selling this company at a loss. I will probably eventually exit out of this position once it is selling at a gain. I own a position in TIME because my parents had purchased AOL on my behalf many years ago and over the years, it eventually became TWX, TWC, and TIME. I had sold TWC years ago at a gain, and I plan on selling TIME and TWX when they are both at a gain as well. I simply refuse to sell companies at a loss. TWX and WMT had a YOY decrease due to the partial shares being liquidated when I consolidated brokerage accounts. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;">I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $446.63</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>3M Company (MMM) - $8.28</b></li>
<li><b>Archer-Daniels-Midland Company (ADM) - $11.92 (Increased 9.46% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $13.09 (<span style="color: red;">Decreased 0.46%</span> <b>YOY</b>)</b></li>
<li><b>Emerson Electric Co. (EMR) - $11.13 (Increased 4.51% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $9.32 (Increased 1.64% YOY)</b></li>
<li><b>Kellogg Company (K) - $7.80</b></li>
<li><b>Pepsi, Inc. (PEP) - $8.91</b></li>
<li><b>Target Corp. (TGT) - $9.70</b></li>
<li><b>Unilever plc (UL) - $10.58</b></li>
<li><b>V.F. Corporation (VFC) - $7.62</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $8.22</b></li>
<li><b>W.W. Grainger, Inc. (GWW) - $6.40</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $96.46 (Increased 1.78% <b>YOY</b>)</b></li>
<li><span style="background-color: white;"><b>Vanguard REIT Index Fund Admiral Shares (VGSLX) - $237.20 (Increased 9.60% <b>YOY</b>)</b></span></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $446.63 increased 25.79% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are GWW, K, MMM, and WMT. The increase in distributions for this month compared to last June is pretty good. Double digit increases YOY are always wonderful. There was a slight decrease YOY for CVX, which is due to the liquidation of partial shares when I consolidated brokerage accounts. Once the dividend reinvestments are caught up, I don't foresee this to be a problem.</span><br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $434,490.80</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $118,443.83 </b><span style="background-color: white;"><b>(Increased 1.46% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $85,703.86 (Increased 1.28% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $230,343.11 (Increased 1.78% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased by 1.59% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">30.18%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was pretty good for this month. It's the lowest year to date, but it's still above my 25% savings rate target so I'm happy.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-78526941588646335952017-07-26T16:39:00.002-04:002017-07-26T16:39:07.539-04:00Bought: GWW, SYY, TWow time flies... I can't believe it is already the end of July. Before we know it, the summer will be over. I have been loving the summer so far; beautiful weather to be outside and enjoy the sun. I'm hoping to continue to create wonderful memories with my kids along the way while working hard to position myself financially for the future so I can be financially independent as quickly as possible and hopefully retire earlier than expected. I've been continuing to find the balance between being as frugal as possible and also spending some money to create new experiences and memories for my kids. I would like to believe that I've been finding the right balance. Extreme frugality and letting life pass you by is something that sounds quite depressing and will possibly be a huge regret when looking back in old age. I hope that doesn't happen to me. I try to live my life with as little regrets as possible.<br />
<br />
Anyways... time to post my purchases for the month of June:<br />
<a name='more'></a><ul>
<li>I purchased <b>5 shares of W.W. Grainger (GWW) at $170 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.01%, adding $25.60 to my taxable dividend income.</b></li>
<li>I purchased <b>5 shares of Sysco Corporation (SYY) at $50 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.64%, adding $6.60 to my taxable dividend income.</b></li>
<li>I purchased <b>10 shares of AT&T Inc. (T) at $37.9499 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 5.16%, adding $19.60 to my taxable dividend income.</b></li>
</ul>
<div>
<div>
After these purchases, my <b>taxable dividend income will increase by $51.80.</b></div>
<div>
<br /></div>
<div>
<i>What do you think of my June stock purchases? Do you own any of the same companies?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com4tag:blogger.com,1999:blog-31516284931029929.post-62194967579148198632017-07-14T20:13:00.002-04:002017-07-14T20:13:10.246-04:00Monthly Report: May 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of May 31, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $47.21)</span></u></b></div>
<div>
<ul>
<li><b>Air Products and Chemicals, Inc. (APD) - $4.75</b></li>
<li><b>The Clorox Company (CLX) - $8.05</b></li>
<li><b>Colgate-Palmolive Company (CL) - $13.20</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $4.90 (Increased 0.20% <b>YOY</b>)</b></li>
<li><b>The Procter & Gamble Company (PG) - $10.34 (<span style="color: red;">Decreased 0.48%</span> YOY)</b></li>
<li><b>Realty Income Corporation (O) - $5.97 (Increased 6.99% <b>YOY</b>)</b></li>
<ul>
<li><b>Total taxable dividend income of $47.21 increased 123.43% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">The new position I added fresh capital to this year is APD.</span> The e<span style="background-color: white;">xisting position I added fresh capital to this year is CL.</span><span style="background-color: white;"> </span><span style="background-color: white;"><span style="background-color: white;"> </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. The reason for the decrease YOY for PG is due to the liquidation of my partial shares when I consolidated my brokerage accounts. I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $193.71</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Air Products and Chemicals, Inc. (APD) - $7.60</b></li>
<li><b>The Clorox Company (CLX) - $7.25</b></li>
<li><b>Colgate-Palmolive Company (CL) - $6.80</b></li>
<li><b>General Mills, Inc. (GIS) - $8.64</b></li>
<li><b>HCP, Inc. (HCP) - $12.95</b></li>
<li><b>Hormel Foods Corporation (HRL) - $5.61</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $7.67 (Increased 1.46% <b>YOY</b>)</b></li>
<li><b>Omega Healthcare Investors, Inc. (OHI) - $22.68</b></li>
<li><b>Welltower Inc. (HCN) - $14.79</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $99.72 (Increased 2.26% <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $193.71 increased 84.35% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are APD, HCN, HCP, and OHI. All other dividend increases are from dividends reinvested and dividend raises from the companies. </span><span style="background-color: white;">I'm very happy with the total year over year dividend increase.</span><br />
<br />
<span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $427,672.71</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $116,741.10 </b><span style="background-color: white;"><b>(Increased 3.05% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $84,617.34 (Increased 0.65% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $226,314.27 (Increased 1.42% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased by 1.70% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">56.92%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was excellent for this month! 50% or more in savings rate is definitely a big achievement for me.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com6tag:blogger.com,1999:blog-31516284931029929.post-81558781855642496362017-06-21T09:31:00.004-04:002017-06-21T09:31:06.848-04:00Bought: GWWHappy first day of summer everyone! Life has been pretty busy for me, but it's also been really fun and exciting. I've been trying to find a balance between being frugal to save up money to invest aggressively, while also enjoying life along the way. Recently, I've been reminded how quickly time flies by (there's no greater reminder than seeing how fast your children grow up), and I want to make sure I don't let it pass me by being frugal all the time. Life is more than just saving aggressively to reach early financial independence or retire as early as possible. It's also about <i>living</i> life. I want to create memories with my family and have something to look back on; hopefully, when my kids grow up and they reminisce on their childhood, it will be nothing but positive and happy memories. So yea, that pretty much sums up where my head space has been at recently -- trying to find that delicate balance between saving aggressively and spending money to live a little.<br />
<a name='more'></a><br />
In any case, I only made one purchase for the month of May. I have recently been holding back on stock purchases because of a large expense that may be coming our way. And because of that, I have been trying to hoard cash to prepare for the expense. Until I reach the desired cash reserve to account for the large expense, I will only buy stocks if I consider them to be a really great deal.<br />
<br />
With that being said, I purchased <b>5 shares of W.W. Grainger (GWW) at $180 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.84%, adding $25.60 to my taxable dividend income.</b><br />
<br />
<i>What do you think of my May stock purchase?</i>Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com4tag:blogger.com,1999:blog-31516284931029929.post-46871621122113087482017-06-20T17:55:00.002-04:002017-06-20T17:57:33.654-04:00Monthly Report: April 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of April 30, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $63.22)</span></u></b></div>
<div>
<ul>
<li><b>The Coca-Cola Company (KO) - $20.35 (Increased 6.21% <b>YOY</b>)</b></li>
<li><b>Genuine Parts Company (GPC) - $7.43</b></li>
<li><b>Kimberly-Clark Corporation (KMB) - $9.70 (Increased 2.21% YOY)</b></li>
<li><b>Medtronic plc (MDT) - $6.02</b></li>
<li><b>Realty Income Corporation (O) - $5.95 (Increased 7.01% <b>YOY</b>)</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $13.77 (<span style="color: red;">Decreased 4.97%</span> <b>YOY</b>)</b></li>
<ul>
<li><b>Total taxable dividend income of $63.22 increased 29.20% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">The only new position I added fresh capital to this year is GPC.</span> All other dividend increases are from dividends reinvested and dividend raises from the companies. There was a decrease YOY for WMT due to the partial shares being liquidated when I consolidated brokerage accounts since WMT has not frozen nor cut its dividend. <span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $125.82</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>Automatic Data Processing, Inc. (ADP) - $6.84</b></li>
<li><b>Genuine Parts Company (GPC) - $8.10</b></li>
<li><b>Medtronic plc (MDT) - $6.02</b></li>
<li><b>Wal-Mart Stores Inc. (WMT) - $8.16</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $96.70 (Increased 2.21% <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $125.82 increased 32.99% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are GPC and WMT.</span> All other dividend increases are from dividends reinvested and dividend raises from the companies.<span style="background-color: white;"><span style="background-color: white;"> </span><span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span></span><br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $420,511.11</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $113,290.91 </b><span style="background-color: white;"><b>(Increased 4.22% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $84,073.48 (Increased 2.86% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $223,146.72 (Increased 1.68% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased by 2.59% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">30.50%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was pretty good for this month. It's the lowest year to date, but it's still above my 25% savings rate target so I'm happy.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-56048513585298680652017-06-19T14:52:00.003-04:002017-06-19T14:52:38.699-04:00Sold On Loyal3: KO, VFCI have sold off all my remaining positions on Loyal3 since I have consolidated all my stocks. I also made the right decision to exit out of Loyal3 since they decided to use a new platform which would be charging a fixed fee every month to make free trades.<div>
<b><a name='more'></a></b></div>
<div>
<b><br /></b></div>
<div>
<b>I sold 3.5874 shares of KO at $42.36 per share for a gain of 1.31% and 9.3549 shares of VFC at $55.72 per share for a gain of 0.24%</b> on my Loyal3 account. After these two sales, I will no longer have any positions with Loyal3.</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-29093370835905612842017-05-31T22:35:00.002-04:002017-05-31T22:35:25.473-04:00Bought: GIS, GPC, GWW, KEverything has been pretty crazy for me recently... I've been swamped with work while simultaneously being sleep deprived and trying to raise two kids. Props to all the bloggers out there who work full time, have children, and are able to blog consistently. I don't know how you guys do it, but I have much respect. I've been behind on my posting as I've been trying to spend as much of my free time with my kids as possible. You only live once, and they only have one childhood, so I'm trying to make it count.<br />
<div>
<br /></div>
<div>
Anyways, below are the companies I purchased for the month of April:<br />
<a name='more'></a></div>
<div>
<ul>
<li>I purchased <b>10 shares of General Mills (GIS) at $57.75 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.32%, adding $19.20 to my taxable dividend income.</b></li>
<li>I purchased <b>5 shares of Genuine Parts Company (GPC) at $90 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3%, adding $13.50 to my taxable dividend income.</b></li>
<li>I purchased <b>5 shares of W.W. Grainger (GWW) at $195 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.63%, adding $25.60 to my taxable dividend income.</b></li>
<li>I purchased <b>5 shares of W.W. Grainger (GWW) at $231 per share</b> in my wife's Roth IRA account. This is a <b>dividend yield of 2.22%, adding $25.60 to my non-taxable dividend income.</b></li>
<li>I purchased <b>15 shares of Kellogg (K) at $72 per share</b> in my wife's Roth IRA account. This is a <b>dividend yield of 2.89%, adding $31.20 to my non-taxable dividend income.</b></li>
</ul>
<div>
<div>
After these purchases, my <b>non-taxable dividend income will increase by $56.80, and my taxable dividend income will increase by $58.30.</b></div>
<div>
<br /></div>
<div>
<i>What do you think of my April stock purchases? Do you own any of the same companies?</i></div>
</div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com2tag:blogger.com,1999:blog-31516284931029929.post-66203711847681429912017-05-03T23:56:00.000-04:002017-05-03T23:56:38.747-04:002016 Goals ProgressThis post is LONG overdue, but better to post it now than never.<br />
<br />
On my 9/8/2015 <a href="http://achristianinvestor.blogspot.com/2015/09/the-point-at-which-i-can-retire.html" target="_blank">post</a>, I had written that the point I can retire is when my passive income I receive exceeds my expenses. And that amount is $3,000 per month in passive income. Therefore, my goal at that time of the post was to receive $36,000 in dividends by 2041. I had also posted a breakdown of target dividend income goals for each year from 2015 to 2041, which can be found <a href="http://achristianinvestor.blogspot.com/p/goals-progress.html" target="_blank">here</a>.<br />
<br />
<a name='more'></a>Now that 2016 has passed, it's time to reflect on how I did. <b>My 2016 dividend goal was $4,600 as of 1/15/2016. The actual amount of dividends I received was $5,141.35. I surpassed this goal by $541.35, or 11.77%!</b> This is 14.28% of $36,000, which means I've already attained 14.28% of the total dividends I need to retire. And this is <b>in addition to paying off the mortgage on my primary residence! </b>I would say that 2016 was a great year - paying off my home and exceeding my dividend goals.<br />
<br />
Since the amount of dividends I actually received exceeds the projected 2018 dividends, I'll need to revise my projected dividend amounts. You can find these revised projected dividend goals for each year <a href="http://achristianinvestor.blogspot.com/p/goals-progress.html" target="_blank">here</a>. <b>For 2017, my goal is to receive $6,000 in dividend income.</b> If I can hit that goal, I would be 16.67% closer to retirement. This dividend goal of $6,000 for 2017 is a 16.70% increase from the $5,141.35 dividends I received in 2016. I'm counting on dividend growth, dividend reinvestments, and new capital to achieve this goal. With no mortgage going into 2017, hopefully I can achieve or even exceed this goal.<br />
<br />
<i>What do you think of my dividend goal for 2017? Do you have any goals or financial new year's resolutions for 2017?</i>Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com5tag:blogger.com,1999:blog-31516284931029929.post-51541590502416979222017-04-28T16:04:00.000-04:002017-04-28T16:04:29.320-04:00Monthly Report: March 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of March 31, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $633.05)</span></u></b></div>
<div>
<ul>
<li><b>3M Company (MMM) - $5.88</b></li>
<li><b>Bank of America Corporation (BAC) - $9.68 (Increased 51.72% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $11.88 (Increased 2.15% YOY)</b></li>
<li><b>Consolidated Edison, Inc. (ED) - $115.92 (Increased 6.39% <b>YOY</b>)</b></li>
<li><b>Dominion Resources, Inc. (D) - $3.78</b></li>
<li><b>Emerson Electric Co. (EMR) - $25.92 (Increased 4.43% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $19.50 (Increased 3.01% YOY)</b></li>
<li><b>Johnson & Johnson (JNJ) - $8.00 (Increased 3.49% YOY)</b></li>
<li><b>McDonald's Corp. (MCD) - $107.16 (Increased 7.92% <b>YOY</b>)</b></li>
<li><b>Microsoft Corporation (MSFT) - $232.05 (Increased 11.22% <b>YOY</b>)</b></li>
<li><b>Pfizer Inc. (PFE) - $17.92 (Increased 9.00% <b>YOY</b>)</b></li>
<li><b>Realty Income Corporation (O) - $5.91 (Increased 6.87% <b>YOY</b>)</b></li>
<li><b>Southern Company (SO) - $15.12 (Increased 7.39% YOY)</b></li>
<li><b>Target Corp. (TGT) - $29.40 (Increased 9.78% <b>YOY</b>)</b></li>
<li><b>Time Inc. (TIME) - $0.19 (<span style="color: red;">Decreased 5.00%</span> YOY)</b></li>
<li><b>Time Warner Inc. (TWX) - $4.43 (<span style="color: red;">Decreased 1.77%</span> <b>YOY</b>)</b></li>
<li><b>V.F. Corporation (VFC) - $20.31 (Increased 28,914.29% YOY)</b></li>
<ul>
<li><b>Total taxable dividend income of $633.05<span style="background-color: white;"> increased 13.82% </span></b><b><span style="background-color: white;">Y</span>OY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">New positions I added fresh capital to this year are MMM and D.</span> <span style="background-color: white;">TIME and TWX decreased YOY due to the partial shares being liquidated as a result of me consolidating my brokerage accounts. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. <span style="background-color: white;"> I'm very happy with the total year over year dividend increase.</span><br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $362.70</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>3M Company (MMM) - $8.23</b></li>
<li><b>Archer-Daniels-Midland Company (ADM) - $11.84 (Increased 9.63% YOY)</b></li>
<li><b>Chevron Corporation (CVX) - $12.96 (<span style="color: red;">Decreased 0.31% </span><b>YOY</b>)</b></li>
<li><b>Emerson Electric Co. (EMR) - $11.04 (Increased 4.64% YOY)</b></li>
<li><b>Exxon Mobil Corporation (XOM) - $9.00 (Increased 1.81% YOY)</b></li>
<li><b>Pepsi, Inc. (PEP) - $8.28</b></li>
<li><b>Target Corp. (TGT) - $9.60</b></li>
<li><b>Unilever plc (UL) - $9.49</b></li>
<li><b>V.F. Corporation (VFC) - $7.56</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $100.01 (Increased 1.76% <b>YOY</b>)</b></li>
<li><span style="background-color: white;"><b>Vanguard REIT Index Fund Admiral Shares (VGSLX) - $174.69 (<span style="color: red;">Decreased 32.17%</span> <b>YOY</b>)</b></span></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $362.70 <span style="color: red;">decreased 9.10%</span> <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">I added fresh capital to this year to initiate a new position in MMM. CVX decreased YOY </span><span style="background-color: white;">due to the partial shares being liquidated as a result of me consolidating my brokerage accounts. I'm pretty disappointed in the huge decrease YOY in dividends from VGSLX. I'm not sure what caused the huge decrease, but I guess that's part of investing in mutual funds. The amount of distributions are up the fund advisor's discretion. I've been contemplating about whether to liquidate my positions in the mutual funds, but I still haven't sold to hedge my risk in case my individual stock picks don't perform as well as I thought.</span><br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $409,903.34</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $108,698.75 </b><span style="background-color: white;"><b>(Increased 5.61% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $81,735.68 (Increased 4.98% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $219,468.91 (Increased 0.71% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 2.81% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">37.22%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was pretty good for this month. It's not as high as January or February, but it's still above my 25% savings rate target.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com7tag:blogger.com,1999:blog-31516284931029929.post-57740090632473246532017-04-27T18:02:00.001-04:002017-04-27T18:02:08.478-04:00Bought: APD, GPC, HCN, HCP, TGT, XOMWow, it's been a while since I've posted. Life has been extremely hectic for me with work and family responsibilities. March was a month with lots of great buying opportunities, and as such, I capitalized on those opportunities to invest in many different companies.<br />
<br />
Below are the companies I purchased for the month of March:<br />
<a name='more'></a><ul>
<li>I purchased <b>8 shares of Air Products and Chemicals, Inc. (APD) at $137 per share</b> in my wife's Roth IRA account. This is a <b>dividend yield of 2.77%, adding $30.40 to my non-taxable dividend income.</b></li>
<li>I purchased <b>11 shares of Genuine Parts Company (GPC) at $93.75 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.88%, adding $29.70 to my taxable dividend income.</b></li>
<li>I purchased <b>12 shares of Genuine Parts Company (GPC) at $95 per share</b> in my Roth IRA account. This is a <b>dividend yield of 2.84%, adding $32.40 to my non-taxable dividend income.</b></li>
<li>I purchased <b>17 shares of Welltower Inc. (HCN) at $67.75 per share</b> in my Roth IRA account. This is a <b>dividend yield of 5.14%, adding $59.16 to my non-taxable dividend income.</b></li>
<li>I purchased <b>35 shares of HCP, Inc. (HCP) at $30.87 per share</b> in my wife's Roth IRA account. This is a <b>dividend yield of 4.79%, adding $51.80 to my non-taxable dividend income.</b></li>
<li>I purchased <b>18 shares of Target Corporation (TGT) at $58 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 4.14%, adding $43.20 to my taxable dividend income.</b></li>
<li>I purchased <b>19 shares of Target Corporation (TGT) at $55.25 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 4.34%, adding $45.60 to my taxable dividend income.</b></li>
<li>I purchased <b>13 shares of Exxon Mobil Corporation (XOM) at $81.20 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 3.69%, adding $39 to my taxable dividend income.</b></li>
</ul>
<div>
After these purchases, my <b>non-taxable dividend income will increase by $173.76, and my taxable dividend income will increase by $157.50.</b></div>
<div>
<br /></div>
<div>
I still need to post my monthly report for March, which I will try to get out within the next few days.</div>
<div>
<br /></div>
<div>
<i>What do you think of my March stock purchases? Do you own any of the same companies?</i></div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com4tag:blogger.com,1999:blog-31516284931029929.post-18509019166963656992017-03-31T21:58:00.001-04:002017-03-31T21:58:06.010-04:00Monthly Report: February 2017I post an update every month on the taxable dividend income I receive in my brokerage accounts, the non-taxable dividends I receive from my Roth IRA accounts, the market value of my taxable brokerage accounts, the market value of my Roth IRA accounts, the market value of my 401(k) account, and my savings rate.<br />
<br />
Below is the monthly report as of February 28, 2017:<br />
<div>
<br />
<a name='more'></a></div>
<div>
<b><u><span style="font-size: large;">Taxable Dividend Income (Total: $35.58)</span></u></b></div>
<div>
<ul>
<li><b>American Express Company (AXP) - $0.06</b></li>
<li><b>The Clorox Company (CLX) - $8.00</b></li>
<li><b>Colgate-Palmolive Company (CL) - $6.63</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $4.88 (Increased 0.62% <b>YOY</b>)</b></li>
<li><b>The Procter & Gamble Company (PG) - $10.04 (<span style="color: red;">Decreased 1.57%</span> YOY)</b></li>
<li><b>Realty Income Corporation (O) - $5.89 (Increased 6.90% <b>YOY</b>)</b></li>
<li><b>Yum! Brands, Inc. (YUM) - $0.08 (<span style="color: red;">Decreased 38.46%</span> YOY)</b></li>
<ul>
<li><b>Total taxable dividend income of $35.58 increased 71.30% </b><b>YOY.</b></li>
</ul>
</ul>
<div>
<span style="background-color: white;">I added fresh capital to my existing position in CL</span><span style="background-color: white;">. </span>All other dividend increases are from dividends reinvested and dividend raises from the companies. PG decreased YOY due to the liquidation of my partial shares from transferring my stocks to Merrill Edge. YUM decreased YOY due to the spin-off of YUMC. Overall, my total taxable dividend income posted a high YOY increase, mostly due to my purchases of CLX and CL.<br />
<br />
You can see a schedule of all the taxable dividends I have received <a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a>.</div>
<div>
<span style="background-color: white;"><br /></span></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Non-Taxable Dividend Income (Total: $126.21</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
</div>
<div>
<ul>
<li><b>The Clorox Company (CLX) - $7.20</b></li>
<li><b>Colgate-Palmolive Company (CL) - $6.63</b></li>
<li><b>General Mills, Inc. (GIS) - $8.64</b></li>
<li><b>Hormel Foods Corporation (HRL) - $5.61</b></li>
<li><b>Kinder Morgan, Inc. (KMI) - $7.63 (Increased 1.73% <b>YOY</b>)</b></li>
<li><b style="background-color: white;">Vanguard Long-Term Bond Index Fund (VBLTX) - $90.50 (<span style="color: red;">Decreased 1.27%</span> <b>YOY</b>)</b></li>
<ul>
<li><span style="background-color: white;"><b>Total non-taxable dividend income of $126.21 increased 27.28% <b>YOY</b>.</b></span></li>
</ul>
</ul>
<div>
<span style="background-color: white;">I initiated positions in CLX, CL, GIS, and HRL in the prior year. I'm not too thrilled about the YOY decrease in VBLTX, and I've been contemplating about whether or not to liquidate the entire position and either use the funds to buy more dividend growth stocks or put the funds into a mutual fund that has more capital appreciation. I've been holding since it does have a nice yield and it pays out dividends monthly. Additionally, this is one of two mutual funds I own and I figure I can diversify my risk with some mutual funds in case I'm a bad stock picker. I don't really own any bonds so this mutual fund gives me some exposure to bonds to diversify my assets. The total YOY increase is pretty good.</span><br />
<span style="background-color: yellow;"><br /></span><span style="background-color: white;">You can see a schedule of all the non-taxable dividend income I have received </span><a href="http://achristianinvestor.blogspot.com/p/dividend.html" target="_blank">here</a><span style="background-color: white;">.</span></div>
</div>
<div>
<br /></div>
<div>
<b><u><span style="background-color: white; font-size: large;">Market Values (Total: $398,700.31</span><span style="background-color: white; font-size: large;">)</span></u></b></div>
<div>
<ul>
<li><b style="background-color: white;">Brokerage Accounts - $102,925.28 </b><span style="background-color: white;"><b>(Increased 1.68% from prior month)</b></span></li>
<li><b style="background-color: white;">Roth IRA - $77,857.39 (Increased 4.20% from prior month)</b></li>
<li><b style="background-color: white;">401(k) - $217,917.64 (Increased 3.66% from prior month)</b></li>
<ul>
<li><b style="background-color: white;">Total market value increased 3.25% from prior month.</b></li>
</ul>
</ul>
<div>
I'm not too concerned with the market value of my taxable brokerage accounts since the investment strategy with that is solely to generate a growing stream of dividend income. As long as the dividends keep coming and are increasing, I'm not too worried. Nevertheless, it's still interesting to see how it is performing.<br />
<br />
You can see a schedule of the market values for my brokerage accounts, Roth IRA account, and 401(k) account as of the end of every month <a href="http://achristianinvestor.blogspot.com/p/market-values.html" target="_blank">here</a>.</div>
<div>
<br /></div>
<div>
<b><u><span style="font-size: large;">Savings Rate</span></u></b></div>
</div>
<div>
<ul>
<li><b style="background-color: white;">57.28%</b></li>
</ul>
<div>
<span style="background-color: white;">Savings rate was excellent for this month! 50% or more in savings rate is definitely a big achievement for me.</span><br />
<span style="background-color: white;"><br /></span></div>
<div>
You can see a schedule of my savings rate by month <a href="http://achristianinvestor.blogspot.com/p/incomeexpenses.html" target="_blank">here</a>.<br />
<br />
<i>How did you do this month?</i></div>
</div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com6tag:blogger.com,1999:blog-31516284931029929.post-38521582888230816462017-03-10T14:13:00.005-05:002017-03-10T14:13:53.339-05:00Bought: APD, D, OHIThe stock market continues to be very interesting these past couple of months. Some days, it's up a lot; other days, it's down a lot. My plan is to continue investing every month, although there are times where I struggle whether to hoard up cash until there's a huge pullback so I can buy good quality stocks at huge discounts. But the opportunity cost could be that the stock market does not have a huge dip anytime soon, and my money would just be sitting there earning pretty much nothing and getting eaten away by inflation.<br />
<br />
Thankfully, I found a few companies in the month of February that I decided to purchase:<br />
<a name='more'></a><ul>
<li>I purchased <b>5 shares of Air Products and Chemicals, Inc. (APD) at $138 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 2.75%, adding $19 to my taxable dividend income.</b></li>
<li>I purchased <b>5 shares of Dominion Resources, Inc. (D) at $72 per share</b> in my taxable brokerage account. This is a <b>dividend yield of 4.19%, adding $15.10 to my taxable dividend income.</b></li>
<li>I purchased <b>36 shares of Omega Healthcare Investors, Inc. (OHI) at $31 per share</b> in my Roth IRA account. This is a <b>dividend yield of 8%, adding $89.28 to my non-taxable dividend income.</b></li>
</ul>
<div>
After these purchases, my <b>non-taxable dividend income will increase by $89.28, and my taxable dividend income will increase by $34.10.</b></div>
<div>
<br /></div>
<div>
<i>What do you think of my recent stock purchases? Do you own any of the same companies?</i></div>
Anonymoushttp://www.blogger.com/profile/17499473177691976947noreply@blogger.com4