13 February 2017 – MMT, TROW, GIS, APD

Today’s Purchases

MMT  –  1  @  $6.22 
TROW  –  1  @  $69.11 
GIS  –  1  @  $62.54

Today’s Dividend Received  ~  $1.72

APD  –   $1.72

Stock Purchase & Dividend Increased, adding  $4.05  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,478.98
Increased From Previous Year:  +32.51%


And the Trump rally continues…

10 February 2017 – BUD, RDS.B, TWTR, CLX

Today’s Purchases

BUD  –  1  @  $105.79  *  New Position
RDS.B  –  9  @  $57.49  ~ Total:  $517.41
TWTR  –  1  @  $15.75

Today’s Dividend Received  ~  $4.00

CLX  –  $4.00

Stock Purchase & Dividend Increased, adding  $37.03  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,473.98
Increased From Previous Year:  +32.32%


 

9 February 2017 – GILD, NCV, TWTR, MA

Today’s Purchases

GILD  –  1  @  $65.77
NCV  –  1  @  $6.78 
TWTR  –  1  @  $16.86

Today’s Dividend Received  ~  $0.44

MA  –  $0.44  ~  +15.79% increase from last quarter.

Stock Purchase & Dividend Increased, adding  $2.79  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,436.95
Increased From Previous Year:  +30.91%


 

8 February 2017 – GILD, MET, HCP, EPD

Today’s Purchases

GILD  –  1  @  $66.08
MET  –  1  @  $51.24 
HCP  –  16  @  $31.07  ~  Total:  $496.32

Today’s Dividend Received  ~  $10.66

EPD  –  $10.66  ~  +1.14% increase from last quarter.

Stock Purchase & Dividend Increased, adding  $27.44  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,434.12
Increased From Previous Year:  +30.80%


 

7 February 2017 – ETR, GM,

Today’s Purchases

ETR  –  1  @  $70.72
GM   –  1  @  $35.26  * New Position

Stock Purchases, adding  $4.13  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,403.76
Increased From Previous Year:  29.60%


 

6 February 2017 – BKCC, GIS, ETR

Today’s Purchases

BKCC  –  1  @  $7.42
GIS   –  1  @  $61.72 
ETR  –  1  @  $71.86   * New Position

Stock Purchases, adding  $5.76  forward year-end dividends cash flow.
Projected Year-End Total Dividend:  $3,399.63
Increased From Previous Year:  29.49%


Yesterday I learned a valuable lesson. Never assume all mail, is junk mail. While cleaning out a pile of unopened envelope; I stumbled upon a check from Chase. Generally, when I see mail from major banks, I assume it’s junk mail.  When I opened the envelope, I was surprised to find out it was a check written from Chase, that it was back pay from some interest they may have charged me during my deployment in Afghanistan over five years ago. The check was dated last May 2016. Almost a year ago!

To my surprise was the amount on it. $2,883! It was like stumbling upon buried treasure! As soon I called Customer Service to verify if it’s still valid, I went ahead deposited it for a rainy day.

 

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…