3 February 2017 – XLY, XOM, SBUX, POT

Today’s Purchases

XLY  –  1  @  $84.39
XOM  –  7  @  $83.53  per share  ~ Total:  $584.71
SBUX  –  10  @  $54.42  per share  ~ Total:  $544.20

Today’s Dividend Received  ~  $7.90

POT  –  $7.90

Stock Purchase & Dividend Increased, adding  $32.97  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,394.08
Increased From Previous Year:  29.27%


Today was a buying spur for me. Initially I was planning to just buy AMZN, as they announced earnings today, plunging the stock down -4% as it did not me analyst expectations. AMZN was one of the stock I always want to add to my portfolio but unfortunately it’s not a dividend paying stock. It is considered a growth stock, and free cash flow tend to be reinvested into the company.

What to do when a growth company provide dividends? Go the ETF route.

Using the tools from www.etfdb.com, I was able to quickly find ETF’s with exposure to AMZN.

XLY was the preferred ETF as it has 2nd highest weighting along with lower expense ratio, with an over 2.33% dividend yield, compared to RTH, which has a higher weighting, but highest expense ratio and lower dividend yield at 1.83%.

Added more shares of SBUX, and XOM. Both had a div date next week, and I wanted to be listed on their book to receive 1st Quarter of the year.

2 February 2017 – CVS, F, MET, T, BMY, VZ

Today’s Purchases

CVS  –  1  @  $75.24
F  –  1  @  $12.28
MET  –  1  @  $51.93  *  New Position

Today’s Dividend Received  ~  $87.86

T  –  $48.02  ~  +2.02%  increased from last quarter.
BMY  –  $17.16  ~  +2.63%  increased from last quarter.
VZ  –  $21.95
RTN  –  $0.73

Stock Purchase & Dividend Increased, adding  $6.68  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,360.36
Increased From Previous Year:  27.99%


Today I was informed by my sister, that the daughter of a family friend has passed. She has been struggling with an illness for over a decade. I knew her early in my childhood, and met her a couple time in my teen and early adult year. She was a few years older than me, but it’s still tough to think that someone so young is gone.

It’s time like these that makes you appreciate the life you’re given. Not everyone can be so lucky to be born free of health implications. To be raised in a good family. To grow up in America; with all it’s economic opportunities.

Sometimes we are all so caught up with material things. We forget that sometimes, the immaterial things are equally, if not more valuable.

Rest In Peace, Donna.

1 February 2017 – AES, D, CVS, JPM, TD, JPM, DE, DRI, GIS, NCV

Today’s Purchases

AES  –  1  @  $11.27
D  –  1  @  $72.26  *  New Position
CVS  –  1  @  $78.84  *  New Position

Today’s Dividend Received  ~  $33.48

TD  –  $14.75  ~  +2.79% increase from last quarter.
JPM  –  $14.88
DE  –  $1.20
DRI  –  $0.56
GIS  –  $1.44
NCV  –  $0.65

Stock Purchase & Dividend Increased, adding  $4.43  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,356.62
Increased From Previous Year:  27.70%


Today marks the beginning of a new month. Time has gone by so fast; we are in the second month of 2017 now. January is usually a slow month for stock purchasing as it’s a financial recovery month from the holidays.

Regardless, it is still a good way to start off the year as my total dividends received for January is my highest yet. A  75.5% increase from last year.

January 2017  –  $183.43
January 2016  –  $104.52
January 2015  –  $0.00

It’s great to see that steady and discipline investing is being paid off.

31 January 2017 – TSO, AZN, SPY, MMT

Today’s Purchases

TSO –  1  @  $80.86
AZN  –  1  @  $26.92

Today’s Dividend Received  ~  $1.73

SPY  –  $1.33  ~  +23.15% increase from last quarter.
MMT  –  $0.40

Adding  $4.57  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,356.07
Increased From Previous Year:  27.70%


Today had a very interesting discussion with a colleague at work. Somehow the discussion on travel and vacation ended up discussing if she wanted to buy a home.  Living in one of the most expensive city in the world. It was ranked no. 9 as most expensive housing in 2017. San Francisco real estate prices has skyrocketed in the last decade with to chance of slowing down.

I was trying to convince her to buy a home in the outlying cities from San Francisco. Housing isn’t any cheaper, but it is within a reasonable range. She will benefit from a windfall of a home sales from her family, and have an appreciating assets that can generate her passive income.

The point I was making was that in order to have real wealth, passive income, or income from asset is needed. Laws in the United States are written in favor of the investor class citizens.

Take my tax situation.

Federal Income Taxes  =  25%
California State Income Taxes  =  9.3%
Social Security Withholding  =  6.2%
Medicare Withholding  =  1.45%

Total Taxes & Withholdings  =  41.95%

What this means is that I’m really earning $0.58 for every dollar I earn. A little over half.

Living in San Francisco, California; there is also an additional 8.5% Sales Tax

With the exception of Food and Prescription drugs, my true purchasing power is $0.4955 from my earned income.

Now compared this to to Qualified Dividends & Long Term Capital Gains tax rate. Interests and dividends pay no SS, or Medicare

Based on my tax bracket, taxes will be 15% Federally and 13.3% for California; totally 28.3%. Taxes, taxes, taxes…

 

30 January 2017 – NAVI, AES, GILD, CPB

Today’s Purchases

NAVI –  1  @  $14.85
AES  –  1  @  $11.18
GILD  –  1  @  $71.04 

Today’s Dividend Received  ~  $0.35

CPB  –  $0.35  ~  +12.09% increase from last quarter.

Adding  $3.04  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,352.84
Increased From Previous Year:  27.47%


This morning the market was rather red, according to this nifty tool I use for data visualization for the market from FinViz.com 

One of the backlash was the news that our newly elected President Donald Trump has imposed a travel ban on seven countries with supposed ties to terrorist group. This has chaos the market to be in a bit of a panic of the uncertainty that lies ahead of this administration.

Added a couple more position to lower my cost basis on several companies, but I’m expecting some more red days ahead. The effect has already taken notice by travel companies and airline services. Airlines has been up in the last year or so, and I’m hoping to grab some at a discount prices.

28 January 2017 – BNS, SYY

Today’s Dividend Received  ~  $35.59

BNS  –  $29.32  ~  +1.91% increase from last quarter.
SYY  –  $6.27  ~  +6.45%  increase from last quarter.

Adding  $3.72  per year forward dividends cash flow, due to increased dividend payout.
Projected Year-End Total Dividend:  $3,350.44
Increased From Previous Year:  +27.61%


One of my favorite thing to waking up to is getting emails notification from my brokerage account that “Dividend Received“. To me, this is the epitome of passive income. No effort whatsoever besides buying stocks years ago, and reaping the rewards quarterly.

27 January 2017

Today’s Purchases

TROW  –  1  @  $68.51
BKCC  –  1  @  $7.31
CL  –  8  @  $63.63 per share  ~ Total:  $509.12
AES  –  3  @  $11.30 per share ~ Total:  $33.92  * New Position

Adding  $21.13  per year forward dividends cash flow.
Projected Year-End Total Dividend:  $3,346.72
Increased From Previous Year:  27.47%


Today was earnings calls for CL (Colgate-Palmolive Company). This was one my company I’ve been eying for awhile since last year. At it’s highest point it was trading at $75.27 on September 6, 2016. Originally purchases back sometime back in 2015, but during it’s run up, I didn’t want to add to my position. Received at alert on my Tradeking account that the stock has plunged over -5% this morning, I didn’t want to miss an opportunity here to lower my cost basis which was already heading south.

CL is one of those boring companies you don’t often hear about much on the financial news outlet. It’s not exciting like the Facebook, Google, Amazon, etc. However it is a consumer stable, something I like to have as a core foundation to my portfolio.

They also produce several well known consumer product such as Colgate (Toothpaste), Irish Spring (soap/bodywash), Palmolive (dish detergent), Softsoap (hand soap), and Tom’s of Maine. That’s right, Tom’s of Maine; the popular consumer product associated with natural-ingredient, personal care product.

Hello World! – TROW, NAVI, UL, ORCL, GE

Today’s Purchases

TROW  –  1  @  $69.89  * New Position
NAVI  –  1  @  $15.40
UL  –  1  @  $40.45

Today’s Dividends Received  ~  $8.01

ORCL  –  $0.90
GE  –  $7.20


We’ll I finally did it! Pulled the trigger to finally decided to start blogging. It only took me 26 days after my 2017 New Year resolution to finally start.Almost another day of procrastination would have gone by.  However, I haven’t broke my commitment of buying at least stock a day. One of the reasons I started this blog, was to keep myself accountable and discipline in tracking my stock purchases. Also, I figured it would be a fun way to share my daily thoughts on everyday life.

Again; the goal is to share my Financial Independence journey with you guys, and hopefully share some insights about life.

Past Purchases

25 January 2017

NAVI  –  1  @  $15.67  * New Position
BKCC  –  1  @  $7.28
ABT  –  1 @  39.74

24 January 2017

ABBV  –  1  @  $59.70
F  –  1  @  $12.27
AZN  –  1  @  $26.94

20 January 2017

MMT  –  1  @  $6.04
AZN  –  1  @  $27.06  * New Position
BMY  –  11  @  $547.69

19 January 2017

TGT  –  1  @  $65.2
SNY  –  1  @  $40.11

18 January 2017

TGT  –  1  @  $67.58  * New Position
M  –  1  @  $28.96

17 January 2017

MMT  –  1  @  $6.03
BKCC  –  1  @  $7.28
VNM  –  1 @  $13.45

13 January 2017

MMT  –  1  @  $6.08
BKCC  –  1  @  $7.37
MDT  –  1  @  $74.94  * New Position

12 January 2017

M  –  1  @  $29.78
GILD  –  1  @  $73.41
HCP  –  34  @  $1,026.65

11 January 2017

GILD  –  1  @  $74.74
MMT  –  1  @  $6.08
CHT  –  1  @  $31.50

10 January 2017

ORCL  –  1  @  $38.77
UL  –  1  @  $41.02
GILD  –  1  @  $75.04

9 January 2017

TSO  –  1  @  $81.66
OHI  –  20  @  $659.75

6 January 2017

CHT  –  1  @  $31.80  *  New Position
SNY  –  1  @  $40.39  *  New Position
VNM  –  1  @  $13.55  * New Position
GIS  –  1  @  $61.46

5 January 2017

ORCL  –  1  @  $38.48
ABT  –  1  @  $39.05  * New Position
GILD  –  1  @  $76.20
MYL  –  1  @  $39.19
M  –  1  @  $30.98

4 January 2017

TSO  –  1  @  $86.01
MMT  –  1  @  $6.07
SAND  –  1  @  $4.13

3 January 2017

GIS  –  1  @  $61.49