Saturday, October 3, 2020

September Review / Q4 Preview 2020

Back Home Gremlin here to talk about September and the path forward.  It has been a long time since I've been home and still am working to find my feet.  The world seems to be, amazingly, in a weirder state than when we first traveled for my daughter's surgery.  I certainly did not expect it to go that way, but here we are (its like humanity never learns, same with the market). Investment wise I eliminated two laggard/mediocre positions and increased some that are better geared for my goals.  In addition, I have a small pot of play money I am using for trading - which I view as a small amount of resources to look for big returns.

The situation for everyone is likely vastly different than it was 7 or so months ago, and I am no exception.  My daughter will require more attentive care while at home until her next major surgery early next year.  That is on top of the usual work - parent of young children life balance problems that I (and a lot of others) share. Because of these facts I am going to only post an update for next quarter and my end of year closeout this year. Going forward I will probably stick to quarterly updates.  Portfolio wise I hope to provide an update for August and September combined, and for Q4 I will combine all of my portfolio / dividend updates in one place.  For the record, my Q1-Q4 will line with the calendar.

September:

This month I added shares to 11 positions in my accounts.

Last month I brought in a total of $497.29 in dividends ($211.21 taxable, $125.36 Roth, and $160.72 in my IRA).  This is an increase from last year ($436.5 total) by 13.9%.

In terms of dividend increases, I realized 6 dividend increases from Hershey's (HSY), Kroger (KR), Target (TGT), Smuckers (SJM), Walgreens (WBA), Westlake Chemical (WLK), and Essential Utilities (WTRG). This keep my total amount of raises to 39 for 2020.

Next month I will realize 2 dividend increases from Realty Income (O) and the First of Long Island Corp (FLIC).  The increases range from 0.2% to 5.5%.  My fund also experienced a 1 to 4 split from Apple (AAPL).

My fund has absorbed the following cuts or suspensions this year: Disney (DIS) [sold], Dunkin Brands (DNKN) [sold], the Gap (GPS) [sold], YUM China (YUMC) [sold], Kontoor Brands (KTB) [sold], WestRock (WRK) [sold], and Welltower (WELL) [hold]. In addition, I have eliminated Kellogg's (K) and Keurig Dr Pepper (KDP) - my simple reasoning here is these companies should have had excellent years and have been mediocre.

NOTE: I only count increases when realized, because until that money is delivered any statements or declarations are simply conjecture.

Q4:

The mortgage continues and I am putting extra cash towards the principal monthly - not a huge number, but every little bit counts. Our debts currently outstrip our assets, because I consider our house a liability and NOT an asset.

I will continue to make rolling purchases going forward, and I will supplementing with minor trading - separate from my primary portfolio.

My portfolio page will be updated soon.

Hope everyone has a chance to relax a little.
- Dividend Gremlin
- Long all stock tickers, minus those sold

Sunday, August 30, 2020

August Review / September Preview 2020

Game Time Gremlin here to discuss August and look at September. It has been a long year for a lot of reasons, but it would appear a few of the big what ifs are finally coming to a close.  First, after over a month of recovery looks like it is almost time to take our daughter home.  She has recovered from surgery - but we will be back in several months for another surgery to complete her heart repair.  As an aside, if you know any families who have to go through pediatric heart surgery - just know its a tough journey and that any support is always appreciated.  

Second, the election season is almost here.  I wish we had a shorter election season and I will be glad when ours is done.  Finally, the election should add some spice / volatility into the market so we can get some quality stocks on sale.  Anyways, how did we do?

August:

This month I added shares to 7 positions in my accounts, and my update will published in about a week.

Last month I brought in a total of $361.75 in dividends ($136.84 taxable, $109.61 Roth, and $115.30 in my IRA).  This is an increase from last year ($338.97 total) by 6.7%.

In terms of dividend increases, I realized no dividend increases in August. This keep my total amount of raises to 33 for 2020.

Next month I will realize 6 dividend increases from Hershey's (HSY), Kroger (KR), National Retail Properties (NNN), Target (TGT), Smuckers (SJM), Walgreens (WBA), and Essential Utilities (WTRG).  The increases range from 1% to 7%.

My fund has absorbed the following cuts or suspensions this year: Disney (DIS) [sold], Dunkin Brands (DNKN) [sold], the Gap (GPS) [sold], YUM China (YUMC) [sold], Kontoor Brands (KTB) [sold], WestRock (WRK) [hold], and Welltower (WELL) [hold].

NOTE: I only count increases when realized, because until that money is delivered any statements or declarations are simply conjecture.

August:

The mortgage continues and I am putting extra cash towards the principal monthly - not a huge number, but every little bit counts. Our debts currently outstrip our assets, because I consider our house a liability and NOT an asset.

I will continue to make rolling purchases going forward, and I will begin minor supplementing with options.

Next month should produce around $505 in dividends, which is a 15% YOY increase.

My portfolio page is currently up to date.

Hope everyone has a calm September (like that will happen...).
- Dividend Gremlin
- Long all stock tickers, minus those sold

Thursday, August 13, 2020

July Review / August Preview 2020

Tired Gremlin here to discuss July and look into August. This is probably the latest I have ever posted a review, though there are good reasons. Mainly closely monitoring my daughter as she recovers from her surgery, which was 15 hours long. We'll be back here in the middle of winter to do it again to finish the repairs. These surgeries are highly specific and are only done a handful of places in the world. The experience has definitely taught me a lot about healthcare - both in broad and specific ways.

Meanwhile the stock market, economy, Covid, and world in general remain a mess. Even the most informed people really only have rough guesses as to how this will continues. For this reason I generally think we will see another solid market correction, from which it will take a decade to recover. Anyways, how did my stock fund do?

July:

This month I added shares to 3 positions in my accounts.

Last month I brought in a total of $150.28 in dividends ($117.16 taxable, $11.80 Roth, and $21.32 in my IRA).  This is an increase from last year ($133.34 total) by 12.7%.

In terms of dividend increases, I realized 3 dividend increases from Cardinal Health (CAH), Medtronic PLC (MDT), and Realty Income (O).  The increases range from 0.2% to 7%. This brings my total raises to 33 for 2020.

Next month I will realize 0 dividend increases, but in September I will realize 6 dividend increases from Hershey's (HSY), Kroger (KR), National Retail Properties (NNN), Target (TGT), Smuckers (SJM), Walgreens (WBA), and Essential Utilities (WTRG).  The increases range from 1% to 7%.

My fund has absorbed the following cuts or suspensions this year: Disney (DIS) [sold], Dunkin Brands (DNKN) [sold], the Gap (GPS) [sold], YUM China (YUMC) [sold], Kontoor Brands (KTB) [sold], WestRock (WRK) [hold], and Welltower (WELL) [hold].

NOTE: I only count increases when realized, because until that money is delivered any statements or declarations are simply conjecture.

August:

The mortgage continues and I am putting extra cash towards the principal monthly - not a huge number, but every little bit counts. Our debts currently outstrip our assets, because I consider our house a liability and NOT an asset.

I will continue to make rolling purchases going forward.

Next month should produce around $347 in dividends, which is a 2% YOY increase.

My portfolio page is currently up to date.

Hope everyone has a warm but cool August.
- Dividend Gremlin
- Long all stock tickers, minus those sold

Thursday, July 30, 2020

July 2020 Buys

California Gremlin here to talk about what investments and sales I have made over the past month.  I am currently away from my usual stomping grounds as my daughter recovers from her heart surgery.  It was a long and grueling procedure, but things are looking a lot better now than they were a week ago. Kids are amazing in how resilient they are, and indeed people in general are such.  These surgeries (she will need at least one more major one) have made me rethink things about financial independence and health care. Anyways, enough about that let's talk about what was bought.

No purchase or account fees were paid this month (* indicates a new position, which will be discussed below):

Taxable:
SALES: None.
KR - 5 shares @ $32.90 ($164.50), $3.60 income added
JNJ - 1 share @ $155.26 / share, $5.88 income added
Total Invested = $319/76
Annual Income Added (AIA) = $9.48

Roth:
AROW - 1 share @ $28.04, $1.04 income added
Total Invested = $28.04
AIA = $1.04

Standard IRA:
None.
Total Invested = $0
AIA = $0

Totals:
Invested = $347.80
AIA [net] = $10.52

Sales and Cuts:
D: This was a bit shocking, to receive a 33% dividend cut from Dominion.  I am leaning towards selling the stock for a minor profit, but I can see their new approach being prudent as well.  I will continue to ponder this unless the price moves to a point where I would be satisfied with a sale.

I will update my portfolio page at the end of the month.

What do you think of these companies?

- Gremlin
- Long most tickers mentioned.

Wednesday, July 1, 2020

June Review / July Preview 2020

Not Ready Gremlin here to discuss June and July.  So I am not ready to do this, but we will be traveling with our 8 month old across the country for some major heart surgery.  To answer the question upfront, we are traveling because this is a highly specialized procedure of which only a few places in the world have extensive experience. Thankfully one such place is in the USA, although it is not at all conveniently located for us. Considering that, we are taking a lot of precautions considering the state of the world; indeed we have been much more cautious now since she was born and at the start of this outbreak relative to most people we know. Sometimes I wish people would see the risks we are seeing from our perspective, or our 8 month old's (minus all the baby babel and literal pants pooping).

Anyways, that is the doom and gloom of our lives.  Not to be confused with the doom and gloom that the market seems to be staring right past.  The economic ripples of this whole experience may eventually rise to become a tsunami, but in the meantime I will proverbially continue to invest in the best boats out there I can find. So how did we do?

June:

This month I added shares to 9 positions and sold off three positions in my accounts. Selling should minimal for the remainder of the year, with our current stock mix having much stronger balance sheets across the board.

Last month I brought in a total of $515.86 in dividends ($232.21 taxable, $124.10 Roth, and $159.55 in my IRA).  This is an increase from last year ($438.81 total) by 17.5%.

In terms of dividend increases, I realized 2 dividend increases from Pepsico (PEP) and Johnson & Johnson (JNJ).  The increases were 7 and 6.5%, respectively. This brings my total raises to 30 for 2020.

Next month I will realize 3 dividend increases from Cardinal Health (CAH), Medtronic PLC (MDT), and Realty Income (O).  The increases range from 0.2% to 7% (for MDT).

My fund has absorbed the following cuts or suspensions this year: Disney (DIS) [sold], Dunkin Brands (DNKN) [sold], the Gap (GPS) [sold], YUM China (YUMC) [sold], Kontoor Brands (KTB) [sold], WestRock (WRK) [hold], and Welltower (WELL) [hold].

NOTE: I only count increases when realized, because until that money is delivered any statements or declarations are simply conjecture.

July:

The mortgage continues and I am putting extra cash towards the principal monthly - not a huge number, but every little bit counts. Our debts currently outstrip our assets, because I consider our house a liability and NOT an asset.

I will continue to make rolling purchases going forward.

Next month should produce around $146 in dividends, which is a 10% YOY increase.

My portfolio page is currently up to date.

Hope everyone has a sunny July.
- Dividend Gremlin
- Long all stock tickers, minus those sold

Sunday, June 28, 2020

June 2020 Buys and Sells

Old Man Gremlin here to talk about what investments and sales I have made over the past month.  In June I finally closed out a few positions that had eliminated or suspended dividends and reinvested that money to dividend growing streams.  This is an annoying, but necessary process where I add more towards quality while discarding stocks with inferior management teams / business plans.  Long term this is a positive thing, but it does feel like bloodletting.

Market wise, I am a bit flabbergasted.  My science / engineering and history background tells me that the market is currently not even close to a true reflection of the US and world economic reality.  I keep saying we will not truly be able to understand or appreciate this period of time for another five to ten years.  However, it still feels like there is a middle ground approach that this world has consistently missed. The issue is, as always, how something can be done - not that should or even could it be done (i.e. can the laboratory conditions be replicated consistently in the real world?).  Anyways, I digress - what did I buy.

No purchase or account fees were paid this month (* indicates a new position, which will be discussed below):

Taxable:
SALES: GPS, KTB, and YUMC - all shares, wash sale (total proceeds of $925.39)
AXP - 2 shares @ $99.61 ($199.22), $3.44 income added
CM - 2 shares @ $68.99 ($137.99 total), $7.10 income added [approx. $CAD]
GD - 2 shares @ $153.83 / share ($307.66 total), $8.80 income added
JNJ - 1 share @ $139.46 / share, $4.04 income added
KO - 3 shares @ 45.66 / share ($137 total), $4.92 income added
CSCO - 2 shares @ $46.80 / share ($93.59 total), $2.88 income added
RY - 5 shares @ $68.28 / share ($341.39 total), $13.10 income added [approx. $CAD]
Total Invested = $1356.31
Annual Income Added (AIA) = $44.28

Income lost due to YUMC cut = $5.72
Net: +$38.56

Roth:
CSCO - 2 shares @ $46.04 / share ($92.08 total), $2.88 income added
LEG - 1 share @ $34.07, $1.60
Total Invested = $126.15
AIA = $4.48

Standard IRA:
FLIC- 9 shares @ $14.98 / share ($134.80 total), $6.48 income added
Total Invested = $134.80
AIA = $6.48

Totals:
Invested = $1617.26
AIA [net] = $49.52

Sales and Cuts:
YUMC: I received this as a spinoff from YUM, and I was pleasantly surprised by their initial dividend growth, however they have fallen off a cliff in terms of the dividend.  I locked in a huge gain on this sale, and it washed my losses to the point where I am slightly ahead.
GPS & KTB: As I stated last month, I did plan to sell these two, and I did after a minor recovery.  Overall they are a disappointment, especially KTB.  That said sometimes the lesson is worth the weight, and the recovered cash will go be a lot more useful than these two anchors are at the moment.

I will update my portfolio page at the end of the month.

What do you think of these companies?

- Gremlin
- Long most tickers mentioned, except GPS, KTB, and YUMC.

Monday, June 1, 2020

May Review / June Preview 2020

What a World Gremlin here to discuss May and June.  Ah the law of unintended consequences and the principle of when it rains - it pours. The situation in the USA can best be described as sticky with social unrest in the middle of a once a century medical emergency. In the meantime, I am planning for a cross country trip for my daughter to get her (hopefully) last major heart surgery. So all I am looking for is some peace, quiet, and a smooth trip.

That said none of this will slow the financial freedom snowball.  After all, it is not just financial freedom for myself, but also for my family.  So, despite everything going on in the world, how did my investing do this month?

May:

This month I added shares to 10 positions and sold off two positions in my accounts.

Last month I brought in a total of $324.20 in dividends ($99.29 taxable, $109.61 Roth, and $115.3 in my IRA).  This is an increase from last year ($323.36 total) by 0.25%.

In terms of dividend increases, I realized 5 dividend increases from Apple (AAPL), Royal Bank of Canada (RY), Ameriprise Financial (AMP), Kinder Morgan (KMI), and General Dynamics (GD). The increases range from 3% to 10%. This brings my total raises to 28 for 2020.

Next month I will realize 2 dividend increases from Pepsico (PEP) and Johnson & Johnson (JNJ).  The increases are 7 and 6.5%, respectively.

My fund has absorbed the following cuts or suspensions this year: Disney (DIS) [sold], Dunkin Brands (DNKN) [sold], the Gap (GPS) [hold for now],  Kontoor Brands (KTB) [hold for now], WestRock (WRK) [hold], and Welltower (WELL) [hold].

NOTE: I only count increases when realized, because until that money is delivered any statements or declarations are simply conjecture.

June:

The mortgage continues and I am putting extra cash towards the principal monthly - not a huge number, but every little bit counts. Our debts currently outstrip our assets, because I consider our house a liability and NOT an asset.

I will continue to make rolling purchases going forward.

Next month should produce around $510 in dividends, which is a 16% YOY increase.

My portfolio page is currently up to date.

Hope everyone has a June that is better than May.
- Dividend Gremlin
- Long all stock tickers