Wednesday, March 22, 2017

Loyal3 Buys, March 2017

Post Saint Patrick's Gremlin here to discuss some recent buys.  Hope everyone celebrated the recent frivolities with exceptional vigor.  I did not, I had some Guinness and played some bored games, because that is how I roll.  Its kind of nice to be away from crowded bars overcharging for the same thing; though it must be admitted the draught / draft Guinness is almost always better.  That being said, I prefer Murphy's over the Guinness and Rum to whisk(e)y any day of the week...  Whatever, what did I buy?

I bought 2 shares of YUM for $125.  This will add $2.40 to my forward annual income, considering the division of YUM China (YUMC).  YUM will be a pleasant long term holding, however they will sputter short term due to the split with YUMC.  This is part of building the position back, post split, so it can become a proper sized cog in my machine.

I bought 1+ shares of Doctor Pepper Snapple (DPS) for $100.  This will add $2.32 to my forward annual income.  DPS is another position I want to fill out as soon as possible.  I am hoping to fill out several positions this year, as I push to merge it with my standard brokerage.

I bought 1+ shares of Target (TGT) for $55.  This will add $2.40 to my forward annual income.  TGT has been sorely beaten down of late, and this is me increasing my position.  TGT will acquire other JET.com style sites as Walmart (WMT) has.  Sure, in 20 years I might sell out of both for reasons other long term retailers have failed, but for the time being they are in a position of strength with their resources on hand.

With these purchases I have invested a total of $280 and increased my annual income by $7.12+.  I expect to keep rolling through months at this clip in Loyal3.  In my regular brokerage account, several larger buys are on the menu for next few months.  Looking forward to those.

Do you use Loyal3?
- Gremlin
- Long YUM, YUMC, DPS, TGT, and WMT

Tuesday, February 28, 2017

February Review / March Preview, 2017

Oscars Gremlin here to talk about this past month and the future.  I am glad the 'award' season is basically over, because it is annoying to hear about them all the time from people or the media.  This year I was a victim of circumstance and had to watch some of these shows.  I long for the day when we see an award show broadcast for engineering and science beyond the Nobel Prizes.  I would like some categories like 'best new building', 'most innovative green technology', or even 'coolest new species'.  Anyways I digress, February is where the year starts to pick up the pace (and temperature, where the hell did winter go?!).  Everything is now busy, and I'm not even an accountant.

February:

This past month in Loyal3 I added 4 shares of VF Corp. (VFC) and 1 share of Target (TGT) for a combined total of $275.  Both have been showing market weakness, and they are venerable stocks I desire in my portfolio.  TGT has in particular been beaten down in the market.  Snap Decision Investors (I call them that) have noted politics, earnings, and leadership as a reason for short term demise and a reason to stay away long term.  This line of reasoning shocks me.  Do people not think that TGT will pull a WalMart (WMT) and scoop up websites like Jet.com, and expand  their online footprint?  Also with political the stuff, times are always changing and people barely can keep up with yesterday's news... good luck with remembering what happened a year ago.  So I am happy to say I got some good prices there.

Last month I brought in a total of $225.94 in dividends ($20.51 taxable, $64.7 Roth, and $140.73 IRA).  This is an increase from last year ($67.59 total) by 234%.  The IRA being added into the equation really blows this month out of the water

In terms of dividend increases, I realized six this month from Realty Income (O), Abbott Labs (ABT), AT&T (T), CVS Health Corp (CVS), Welltower (HCN), and Omega Healthcare Investors (OHI).  Raises were between less than 1% and 4.5%.  Thus far for 2017, I have realized 9 dividend increases!  Consistency is the name of this game.

Next month I will realize six raises, from Dunkin Donuts (DNKN), Eaton Corp. (ETN), Waste Management (WM), Prudential (PRU), Archer-Daniels Midland (ADM), and 3M (MMM).  The increases range from around 2% to more than 9% .

March:

Our only remaining debt is extremely low interest auto loans.  Looking ahead, I will be to saving a solid amount of cash.  This is related to the fact that my wife and I will look to get a house sometime in the next (few) year(s).  I want to go in with a decent down payment to make sure we get what we want.

I hope to post more than one time next month... But we will see, March and April are already slated to be busy.

Next month should produce around $258 in dividends, which is a 131% YOY increase, most of which is attributable to my new IRA.  Things are coming together nicely.

My portfolio page is currently up to date.

Hope everyone has a great March!
- Dividend Gremlin
- Long all stock tickers mentioned

Tuesday, January 31, 2017

January Review / February Preview, 2017

Snowboarding Climbing Gremlin here to talk about this past month and the future.  My ankle is still not 100%, but I am getting back to doing things, including getting in a round of snowboarding this past month.  Though January is never normal, doing stuff like that gets me closer back to normal.  January in my family has a huge rash of birthdays, plus there are holidays and crazy events like inaugurations that we have to deal with in my town.  Other than those January is also a surprisingly slow month.  It is slower at work, in dividends, and everything else.  Regardless, let see how things went.

January:

I bought only 2 shares in VFC this month, spending a little more than $100 in my Loyal3 account.  I am gearing up for a strong rest of the year for saving and investing, so I am not concerned with a slow start.

Last month I brought in a total of $67.05 in dividends ($67.05 taxable, $0 Roth, and $0 IRA).  This is an decrease from last year ($75.76 total) by 11.5%.  This decrease is due to Kraft Heinz (KHC) paying out its dividend a month early, so nothing to worry about there.

In terms of dividend increases, I realized three this month from Realty Income (O), General Electric (GE), and Canadian Imperial Bank of Commerce (CM).  Raises were between less than 1% and 4.5%. 

Next month I will realize six raises, from O, Abbott Labs (ABT), AT&T (T), Omega Health Care (OHI), and Welltower, Inc. (HCN).  The increases range from less than 1.1% to just under 4% . Thus far for 2017, I have realized 3 dividend increases!  These following increases are small, but several are from companies that deliver consistent increases.

February:

Our only remaining debt is extremely low interest auto loans.  Looking ahead, I will be to saving a solid amount of cash.  This is related to the fact that my wife and I will look to get a house sometime in the next (few) year(s).  I want to go in with a decent down payment to make sure we get what we want.

I hope to post more than one time next month...

Next month should produce around $207 in dividends, which is a 207% YOY increase, most of which is attributable to my new IRA.  So far I already out earned my annual total in 2011, things are starting to click.

My portfolio page is currently up to date.

Hope everyone has a great February!
- Dividend Gremlin
- Long all stock tickers mentioned

Saturday, December 31, 2016

December 2016 Review / January 2017 Preview & End of Year Review

Happy New Year Gremlin here to talk about December and the end of this year.  December has meant presents and family, similar to what November holds plus the presents.  Personally it means winter is here to stay, and more importantly that January is here so I can wind down.  "The Season" always seems to come and go so fast.  Frantically acquiring gifts you hope people will like.  For me, I am simple - give me a nice backyard, some drinks, and anyone willing to play yard games.  But now that time is over, soon it will be back to the normal grind.  So let's enjoy 2016 while it lasts for the good it has brought and the silver linings we can find in the world everywhere else.

December:

I was able to put $660 to work in three existing positions across my taxable and Roth accounts.  As much as I want to keep up this pace, it will be hard knowing how I plan to be saving extra cash for unrelated reasons. 

Last month I brought in a total of $262.32 in dividends ($83.10 taxable, $60.29 Roth, and $118.93 in my IRA).  This is an increase from last year ($101.34 total) by 158.58%.  My SEP IRA continues to make this comparison silly, but it will just have to be that way until the end of next year. Its yet another month over $200.

In terms of dividend increases, I realized five this month from McDonald's (MCD), Microsoft (MSFT), Union Pacific (UNP), VF Corp (VFC), and Emerson Electric (EMR).  Raises ranged from less than 1% to  over 10%. 

Next month I will realize one dividend increase from Realty Income (O), the usual minor increase.  For 2016, I have realized 36 dividend increases!  I know of a few next year already, but I have been less than diligent in editing my spreadsheet, so some will just be happy surprises.

January:

The only debt that remains are extremely low interest auto loans.  Looking ahead, I will be saving a solid amount of cash.  This is related to the fact that my wife and I will look to get a house sometime in the next 2 years.  I want to go in with a decent down payment to make sure we get what we want.

I keep being lazy about putting up a beer review, perhaps I just have not had any that remarkable.  Side note, I will be starting a Trivia Night at my side job.  For me its fun, sure there is a little bit of cash out of it, but its more about the fun.

Next month should produce around $80 in dividends, which is a 5% YOY increase.  January has just never been a strong dividend month for me.  Also on an investing note, I am keeping a very diligent eye on commercial real estate markets.  Why?  Something seems off about it, similar in a way to 2007 with the residential market, though the bomb is probably a little smaller...

My portfolio page is currently up to date.

2016:

Wow, what a year.  A lot of good things occurred, as did of course many unfortunate things - but lets keep it positive.  On a personal note I upgraded my income, my wife has a less stressful job, we went on a great vacation, and I was still able to put a solid amount of cash into investments.  So let's look at how I did last year.

Last year I had hope I would achieve several goals.  So to reference them they are below.  With the results in RED.
  • $1100 in total dividends in 2016 (taxable and Roth).  Success, beat that number by $60.
  • $250 in Loyal3 dividends in 2016.  Success, more like $323, or 29% higher.
  • End the year with a forward-12 month dividend estimate of over $1200 (between taxable and Roth).  Success, currently sitting a few bucks over that. Way more with IRA...
  • Pay off my wife's student loan debt of $5,500 (ish).  Success, her loans are toast.
  • Get a raise at my current or another job.  Success, got a new job with a raise!  Then I got a strong side job!
  • Continue to exercise 5 times a week at a minimum, and ride my bike places when possible.  Failure.  Part of the failure was due to a bad ankle sprain in the fall.  Overall I am working out 4 to 5 times a week though.  Also biking has faded because my new employer pays me to commute with public transit, and they have no shower (I sweat a lot if I bike anywhere).
Overall that is a 5/6 success rate.  Next year, I plan to have fewer goals; so this section is easier to write and I can focus harder on those goals.

2017: 

Well, on a personal note my biggest goal is to rectify that bottom goal.  Otherwise, right now my life has been on a good track and I want to keep that momentum.  So here are my goals for next year.

  • Break $2500 in total dividends.
  • Achieve forward dividends for taxable accounts of $1000.
  • Get back into shape, specifically workout 5 times a week.
  • Bike to as many local places as possible, do less driving (already half way there as I do not drive to work).
There are so many ways I can improve my situation, but little changes can make a huge difference.  Time to test out lifestyle and money saving changes!

Hope everyone has a great January and a Happy New Year!
- Dividend Gremlin
- Long all stock tickers mentioned

Tuesday, December 20, 2016

Recent Buys, December 2016

Holiday Gremlin here to talk about some more recent buys.  I hope everyone is gearing up for a great holiday weekend, which will include family, fun, football of both varieties, and food of course.  It is no question that I am ready for it, and am anticipating a nice long weekend.  Christmas is the time for giving, and sometimes you need to give to yourself / family in the form of financial security.  Today I am pushing for more of that with a few buys that I was able to make fee free.  This year I have had a few extra free purchases, and these were set to expire if I did not use them, so I would be damned if I let freebies go to waste.  So anyway, lets get on with what I bought.

First, I added shares of Abbott Laboratories (ABT) in my Roth account, this is an addition to an existing position as are the other buys.  I bought 6.24 shares, with a total cost of $250.00 ($39.39 / share).  The current yield is 2.72%.    The P/E ratio for ABT sits today at approximately 17.  I really want to add more in the healthcare sector in general, and this will be a part of that.  This position is one I definitely plan to expand in the future, especially with its 48% payout ratio and 43 years of dividend growth.  This purchase will add $6.62 to my Roth totals next year.

Second, I added around three shares of VF Corp (VFC) to my Loyal3 account.  The current yield is 3.12% (on current cost).  The P/E ratio is much better than it has been around 20, but the payout ratio on the yield is a sweet 40-ish-%.  That leaves a lot of room for growth, and it is a company I really like so this just another brick in that wall.  This purchase will add $5.04 to my Loyal3 account totals next year.

Lastly, I added shares of Canadian Imperial Bank of Commerce (CM) to my taxable account.  I bought 3.1 shares, with a total cost of $260 ($83.72 / share).  The current yield is 4.48%.  The P/E ratio is around 10.25, which is great.  The payout ratio is approximately 44%, which still leaves room for growth.  In general the big Canadian Banks provide a lot to love.  I plan on adding to my other Canadian Bank, Scotiabank (BNS), next month.  Of the big 5 Canadian Banks, CM was my first purchase and remains my favorite.  Despite currency headwinds, they consistently improve their dividend in their local currency and I see results here in the USA.  Their are critics who believe they are too highly concentrated in certain markets, especially the Canadian housing market, but I do find that their system is designed to be safer than what the USA had.  If nothing else, they looked south at us and learned what not to do.  This purchase adds about $13 to my totals next year, pending foreign exchange valuations.  
 
These purchases are the last ones for 2016.  Overall, a good way to round out a year that has been good to me.
What do you think of ABT, CM, and VFC?

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

I hope everyone has their shopping done and is prepared to sit inside and drink hot chocolate for a day.  Oh wait you're not, me neither, DAMN!
- Gremlin
- Long ABT, BNS, CM, VFC

Wednesday, November 30, 2016

November Review / December Preview, 2016

Mountain Climbing Gremlin here to talk about this past month and the future.  My ankle is doing well, well enough to climb a mountain?  Probably, but this mountain I am referring to is Financial Independence, or FI.  Today that mountain has gotten a little smaller, as I (we) have extinguished the last remnants of student loan debt.  Bye bye, no one will miss you.  In addition, I made three buys of which two were sizeable.  Then to top it off, November had Thanksgiving, which is a great time to see family.  Sure there are always negatives, and shocks (like that crazy relative of yours).  However, nothing is crippling me from earning that FI a little faster.  In fact, even negative situations provide opportunity.  So lets see how I did. 

November:

I bought three stocks this past month across my Loyal3, regular taxable, and Roth accounts.  In all, a total of $762.01 was invested, and that money should generate around $27 next year.  It is pretty nice to acquire securities like that.  In addition, YUM split off its China division, giving me a new position in YUMC.  YUMC will likely be sold at some point, but when is the real question.

Last month I brought in a total of $235.86 in dividends ($39.34 taxable, $58.71 Roth, and $137.81 in my IRA).  This is an increase from last year ($82.13 total) by 187.2%.  My SEP IRA really adds a new dimension, and its almost making this month apples to oranges in terms of a comparison.  I plan on keeping my method the same and recognizing that the SEP IRA has a big impact on total numbers in the short term.  Overall, not including my SEP IRA I am still up over last year.  Either way, over $200, sweet.

In terms of dividend increases, I realized two this month from YUM and American Express (AXP).  Both raises were around 11%, which is solid. 

Next month I will realize five raises, from McDonald's (MCD), Microsoft (MSFT), Union Pacific (UNP), VF Corp (VFC), and Emerson Electric (EMR).  The increases range from less than 1% for EMR to 10+% for MSFT and UNP. Thus far for 2016, I have realized 29 dividend increases!

December:

Things are getting exciting.  As I stated, student loans are trashed, all that remains are extremely low interest auto loans.  Looking ahead, I will be to saving a solid amount of cash.  This is related to the fact that my wife and I will look to get a house sometime in the next 2 years.  I want to go in with a decent down payment to make sure we get what we want.

Since I did not post a beers of Thanksgiving, just a simple review, perhaps I will do a beers of Christmas.  Wintertime has the best seasonal stuff in my mind.

Next month should produce around $240 in dividends, which is a 136% YOY increase, most of which is attributable to my new IRA. I am now ahead of last year, and I need to remain focused.

My portfolio page is currently up to date.

Hope everyone has a great December!
- Dividend Gremlin
- Long all stock tickers mentioned

Monday, November 21, 2016

Recent Buys, November 2016

Thanksgiving Come Early Gremlin here to talk about some more recent buys.  I hope you all, at least those of you in the USA, are ready for a day of cooking, turkey, and fun.  I sure am, and the plan is to get into pure relaxation mode for that whole weekend.  To be fair, Thanksgiving is probably my 4th or 5th favorite holiday (blasphemy, I know), but I can still crush stuffing, mashed potatoes, and all the fixings at will.  I hope all of you are as hungry for turkey as I am and for pushing forward with FI!  This month, I made three purchases in three different accounts.  They were all small, but also fee free, which is super cool.

First, I added shares of Ameriprise Financial (AMP) in my Roth account, this is an addition to an existing position.  I bought 5 shares, with a total cost of $437.07 ($87.41 / share).  The current yield is 2.63%, but when I purchased it the yield was closer to 3% (on current cost).  That difference between the yield now and then is due to a massive, almost $20 / share, run up in cost immediately following our recent election cycle.  Needless to say, its cool and mind boggling.  The P/E ratio for AMP sits today at 15.53, but it was closer to 12 when I made the purchase.  I am generally interested in asset managers and other financials, and this seemed like a nice opportunity to increase an existing position.  This purchase will add $15 to my Roth totals next year.

Second, I added a share of VF Corp (VFC) to my Loyal3 account.  The current yield is 3% (on current cost).  The P/E ratio is much better than it has been around 21, but the payout ratio on the yield is a sweet 35-ish-%.  That leaves a lot of room for growth, and it is a company I really like so this just another brick in that wall.  This purchase will add $1.68 to my Loyal3 account totals next year.

Lastly, I added shares of Bank of Nova Scotia (BNS) to my taxable account.  I bought 5 shares, with a total cost of $264.94 ($52.99 / share).  The current yield is 4.22%.  The P/E ratio is around 12.69, which is very good.  The payout ratio is approximately 47-50%, which still leaves room for growth.  In general the big Canadian Banks provide a lot to love.  I plan on adding to my other Canadian Bank, CIBC (CM), next month.  This purchase adds about $11 to my totals next year, pending foreign exchange valuations.  

I have two more free purchases to use before the year is up, and I plan on putting those to work next month.  These investments are made with an eye on 2017 and beyond.  All of them are in great companies that have excellent histories.

What do you think of AMP, BNS, and VFC?

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

- Gremlin
- Long AMP, BNS, CM, VFC