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Hi Everyone,

Quick post as being a new dad is tough and we are remodeling our bathroom right now.  We only had a shower pan in the bathroom because the previous owner was an old lady and could not lift her leg over the bathtub wall.  Anyways, this past weekend I ripped that shower out put the new tub in.  New plumbing, water lines, sheetrock all around, it was exhausting and rewarding all at the same time.  Just need to tile the floor this coming weekend and put back the toilet and vanity and then things are looking up!  The mundane and difficult task of spackle awaits me the following weekend.  But now, on to the reason why you clicked...

PEP  --  $34.56
O  --  $38.68
CSCO  --  $88.52
M.M.  --  .53

Total:  $162.29

A relatively weak month but O's monthly check will be much needed in the months to come.  The portfolio has been hammered much harder than the market recently.  OHI & O are really hurting the portfolio but the dividends will roll in the month and hopefully by stock at these cheaper prices.  One can only hope!
Hope everyone had a nice January!
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Hi Everyone,

So here we are, 2017 has come to a close.  What a year it was!  Paid off the house, adopted a child, lived in Florida for a month, and still received a nice some of money from dividends!

I am still working up the cost of adoption post so I figured I would throw this one in here first.

In total, we received income from 6 different funds in December and here is what it looked like:

UVE - $27.83
V - $20.71
VWILX - 72.78
VHT - $19.97
FTSE - $156.86
MM - $5.44

Total - $303.59

So, we cleared the $300 mark and best of all, the totals were not so lopsided like they are for my OHI holding.  With FTSE being a mutual fund with a basket full of stocks, there is less risk than just one primary holding. Like I posted last year, my company/Vanguard changed up the investment mix for my 401K and 3 of my other funds do not pay dividends or capital gain distributions anymore. We investors are told that they are automatically reinvested into the fund... 

In 2017, we received a total of $2,750 in dividends!  Our expenses for the last 6 months of the year, not including adoption expenses were averaging $2,500 a month.  With recent investments, including TAP, O, SKT and BTI, we are projecting over $3,000 already for next year.  Slowly but surely we are climbing our way back to where we were before all the big life changes. 

2018 is already shaping up to be one of the best years yet.  Having a child is truly life changing and incredible.  If we can keep expenses running low and add around $1000 a month to the taxable account throughout the year, we should gather around $500 more per year in dividend income.

If you do the math, obviously you can see that retiring early is essentially out of the question. Like I said in the previous post, having a child and one income changes things.  I wouldn't change anything though.  We are enjoying every minute of our growing family!
Hope you had a great 2017!
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Continuation from last post

After we were chosen, my wife started chatting, through text, with the birth mom.  At first, the birth mom was very shy.  Only ever texting when we texted first.  This is to be expected as we are complete strangers and are looking to adopt their child.  So the conversations start small.  How is she feeling, what are her hobbies, etc.

Before we knew it, she wanted to meet with us.  So at the end of July we took a trip down to Florida to meet the birth parents, both mom and dad.  The meeting as you can expect was challenging.  Both families shy, anxious, nervous, hoping things go well, but overall... grateful.

And after the initial jitters wore off, both families opened up about their histories and talked as we had been friends that we hadn't seen in year.  We elaborated on the texts that had been sent back and forth like how they met, hobbies, family, future plans, you name it.  The conversation never felt awkward and there was never any hostility towards the situation we were in.  Both families were grateful that each other had come in to their lives.

So after the meeting, the birth mom continued to text back and forth with my wife.  The conversations growing deeper and more elaborate with each passing month.

The process was going as smooth as it could go...



Around early September we received the latest sonogram charts and it said that she was due the first week of October.  My wife, bless her heart, demanded that the agency pay for one more sonogram for the birth mom.  The first sonogram did not have the best pictures and it seemed silly to only have one appointment.  Thank god she did that because after the second sonogram, the due date was pushed back 3 full weeks!

We made the decision that we were going to be in Florida on her due date because we did not want to miss anything.  The birth mom did not want us in the room but she did want us at the hospital so as long as she didn't give birth beforehand, we were going to be there.

October 23rd was the due date.  We packed our bags and headed down to Florida.  Staying over night at my cousins in North Carolina and getting to Florida on October 24th.

We booked a hotel room starting November 1st because we had a free stay with a family friend until then.  Thank god for family!!

October 25th comes, then the 26th, 27th, 28th and we started to wonder if this child would ever come out!

If he didn't come out before November 3rd, the mom was going to be induced.

So, the 29th, 30th 31st roll on by...  We move up to our hotel on the 1st, the 2nd comes and goes and finally on November 3rd...

OUR BABY WAS BORN!

The birth parents invited us in to the room only 20 minutes after the birth.  The mother looked great, our boy was being cleaned off and for the first time, we held him!

We stayed in the room with the birth parents for maybe 20 minutes or so and then the nurses came in to take us to our own room in the hospital.  As we departed the room, leaving the boy behind, we embraced and shed some tears of joy.  The only real emotion of the entire process.  We were so relieved that our boy was healthy, the mom was healthy, the adoption process was almost coming to an end, that it was hard to do anything but cry.  It was a long time since we had began trying for a baby of our own and this was the moment when our family would finally grow.

So the nurse took us to our room and our boy came in just a couple hours later.

We have an open adoption with the parents so we send pictures, texts, video, etc back and forth with them and that was part of the reason why the birth parents picked us.

In the hospital, with the open adoption, we let the birth parents have him as much as they wanted.  They would make the decision on when to have the nurses bring him to us and when the nurses would come in to take him back to them.  At times this was tough because when he left, we never knew when he would be coming back, but overall it went very well.

We wanted to give the birth parents as much closure as possible before the papers were signed.

So, each night we would have him and each day they would have him.

And then the big day...   November 5th, 2017...   the birth parents signed the adoption papers.  He was going to be all ours!

The birth parents brought him to our room for the final time and we hugged them good bye, thanking them for everything they have given us.  The meeting went very well.  As mentioned earlier, there was not much emotion.  No one cried, no one was angry, everything was peaceful.  It was truly like this was meant to be.  We have the utmost respect and love for the birth parents and I think they feel the same about us.

It was truly a perfectly fantastic adoption.  We were fortunate.  

So, after our stay in the hospital we had to stay in the state of Florida until the Interstate Compact paperwork was finalized.  This essentially certifies the adoption and allows us to transport a baby across state lines - at least that's how I thought about it.

Unfortunately, this is not a quick process.  Our agency told us that it would take 7-15 business days.

Are you frickin kidding me!!  Up to three weeks for some damn signatures!

Side bar:

If there is one thing that I would change about this process is that it should be mandatory for the states to complete this paperwork in no more than two days.  One day in Florida, one day in your home state.  There are families that are trying to go home!   And not only are you away from family and friends but the costs of staying in hotels/AirBnBs adds up.  The states are hurting the financial future of families at a time when families are already paying significantly to grow their family.  If families had to stay out of state for 15 business days...   That is a total 19 days - weekends included.  At $100 a night, that is $1900 that an adoptive family is paying out of pocket.  Invested at 7% for 18 years and you are looking at $6,500 that could be used for college tuition, car, house down payment, etc.  Right off the bat this child is $6,500 poorer than if you can leave in two days.

Once again, we were fortunate.  Even with a government holiday thrown in and paperwork not being sent to the state until Tuesday, we received our permission to go home on November 16th, just seven business days later!

So we left for home on November 17th, 26 days after leaving...

Part Three coming soon!  Fun financials coming in that post!
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Hi Everyone,

For those of you following along with the blog, you might have noticed that I have been a bit vague with upcoming (read: historic) news and how it relates to our financial situation.

I have been putting this news off for quite some time because I just was not ready to put it out there.

But now I am:  WE ADOPTED A NEWBORN CHILD!

With this blog starting as a financial independence blog, I want everyone to know that -  Our financial landscape has changed so drastically that it is hard to be on the path of financial independence any longer.

I hope this does not push any readers away from the blog, but it is the truth.

Kids, especially the cost of adoption, change things.

So here is how it all went down...

It was December 2016, my wife and I decide to take a 2 week vacation.  We would travel from Seattle, Washington to San Diego, California.  It has been 2.5 years of marriage and we had been trying for children from the get go.  Both of us have always wanted children but at the time, the struggle was becoming overwhelming.

We needed a break from life.

During the approximate 2000 mile drive from point A to B, the conversation of adoption came up.  We talked through our life.  Where we were, where we were going, what we want, you name it.  The constant was always a child.

The calendar changed over and it is now January 2017.  We make the decision to start the adoption process.  During our research (mainly by my wife) so many people/blogs said that the adoption process was long, hard, and a lot of paperwork.

What we found out (for us, we were fortunate) is that it was the complete opposite.

The paperwork is not the difficult.  We are both detail oriented, focused, organized individuals and it did not take more than two weeks to fill everything out.  The long pole of everything was of course the state government getting our background clearances, finger prints, etc

After the initial paperwork, we had to receive final approval from the state.  For this, we had to have three meetings with a social worker.  The social worker came to our house to check out everything and make sure it was a suitable living space.  A firefighter came out to check on the safety of our household and yes, we had to make some updates like installing hard wired smoke alarms but overall, no big changes.

Everything was cleared.  We were approved!

From that point, we created a profile and used a central agency to broadcast said profile out to multiple agencies throughout the United States of America.  The agencies that we designated our profile to be broadcast to were "adoption friendly states."  These states have an irrevocable adoption policy which states that once the birth parents sign the adoption papers, the adoption cannot be revoked. It is official.  These states include:  Florida, Texas, Utah, Illinois, and a couple others... not ours, unfortunately.

Once our profile along with our preferences (examples:  boy, girl, white, black, blue eyes, brown eyes, no drugs, no alcohol, closed adoption, open adoption, special needs, etc) were sent to the agencies, we started receiving perspective situations (babies).

For those wondering - we left our preferences open to all potential candidates.  Therefore, we received every situation in every state that we broadcast our profile too.  Like I said, we wanted a child so bad that if a situation seemed right to us, we were going to present to the family.

So, we started receiving situations around the end of May.  Four total months since we began.

At first, the situations came in hot and heavy and it was overwhelming.  You think to yourself, is this the right child for us?  If we do not present, will anyone else present?  What if the next situation is better than this one?  So many questions and emotions throughout this time.

The second situation we received was a perfect match for us but we were scared.  We had only seen two situations and were uncomfortable presenting at that time.  Not to mention, the child was going to be born the 16th of June.  Only three weeks away!  It was wild to think we could be parents in just half the time of a normal pregnancy.  No time to prepare and buy the necessary items to have a child. It turned out that maybe we were not ready.  We got cold feet and let the situation slip by.  We did not present to this family.

So anyways, the weeks passed by.  The situations would come in waves.  Five situations one day, none for three days. We started to get anxious.

What happens if another situation we feel comfortable with never happens?  Did we screw up by not presenting to the one in June?  Why are we adopting?  Let's just keep trying to have our own child.

Without a doubt, this was the toughest 5 or 6 months of our marriage, our lives, for that matter.

And then it all changed...

One day, my wife received a situation and she forwarded it to my email.  For us, we would each read the situation first.  No matter what time of day it was emailed to us, we would not talk about it until we were in person and both had read it on our own.  We were each left to make up our own mind first.  I would recommend that to anyone going down the adoption path.

So...  we met after work and discussed the situation.  Turns out, we both really liked it!  The birth parents were around our age, she was due in October (time to prepare), health history was within our comfort level and we both had a gut feeling that this was the one.  Not to mention, it was a BOY!! LOL

So we presented our profile to the couple.

And waited.

Agonizingly waited for a few days.

And then, on my wife's birthday in June ...   a phone call!!!

We were matched, they accepted us!

We will be parents in just a few short months as long as everything goes through!

We were through the roof.  We were ecstatic.  We were anxious.  We were nervous.  We were relieved...

The way adoptions work is that the adoptive parents (us) receive the situations and the ones they like, they present to the birth parents.  Now, this is the hard part...   the birth parents have to like you back in order to be matched.  Some of the birth parents might receive 20 different adoptive parent profiles to read, review and then ultimately make a decision on.  Some families go years presenting to birth families and are never selected.

We were very fortunate.

We presented to one family and that one family chose us...






This is a long read.  A continuation post coming soon!
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And just like that, the next purchase is under our belts..

38 Shares of British American Tobacco (BTI) were purchased at $66.90.

Using a dividend of .57, this should add around $85 to the income total for next year.

Although not at its lowest level of the year, it is about 8% off of its highs set back in June.  They are still trying to absorb the RAI purchase and they recently announced that they will be moving to quarterly dividend payments.

I like tobacco/sin stocks and MO took off and I already went down the PM road for a while with lack luster results over the course of 3 years.  Therefore, it was time to give BTI a try.  I loved my LO and RAI positions and this company has parts of both! 
What do you think?  Good Purchase?
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Hi Everyone,

With 2017 coming to a close quickly, its time for another dividend income post for November!  Short and sweet income statement this month because I only had two companies paying me, OHI and ABT.  A change from the previous quarter because I no longer have my Verizon position.  That was liquidated a while back to help pay for BIIB, CELG, LL and VHT. 

For those of you following along, it looks like the bleeding is done for CELG and BIIB has been holding steady as well.  Looking forward to them resuming their climb in the new future... fingers crossed!

Even though this month only had 2 paying companies, the total was quite large!

My OHI holding is butting right up close to 500 shares now...  at 495.69.  The payout in November provided another 11 shares so the next payout will put me over the 500 share mark!

My ABT holding is too small to sell (fees) and to be honest it is one of my better performing holdings so there is no reason to sell.

With all that being said, the totals are as follows:

OHI  $314.98

ABT  $4.04

Money Market:  $.16

Total:  $319.18

Since last quarter, OHI has fallen pretty significantly and unfortunately there are definite merits to this fall which scares me a bit.  Hopefully they will be able to weather the storm of tenants going bankrupt and not being able to pay them rent and stay with companies that are best of the best and slowly work their away from tenantss such as Orianna. 

At this time, there are no worries about OHI paying their dividend as they have a very comfortable safety margin, but should more tenants experience issues, this could be a problem in the future.  I will continue to monitor this situation over the next few quarters and make a decision on whether or not to cut and run or hold out.  For right now, picking up 10 shares more each quarter is a truly remarkable thing to watch.  I'm a bit in awe of the compounding nature of this holding. 

To give readers the full history, I bought my final tranche of OHI back in May of 2016.  In total, I have personally bought 428 shares of OHI.  I now have 495.  A difference of 67 shares.  In August 2016, I received $264 in dividends from OHI.  Through strictly reinvestment and OHI raising the dividend by a penny each quarter, I just received $314.  $50 more each quarter!! and it is only continuing to increase.  Like I said, I am a bit in awe.  Now lets just hope they can manage their tenants and the stock and dividend keep performing well.

As for new updates...   My birthday was yesterday, the 8th.  I told my wife I wanted absolutely nothing for my birthday and she did it!!!   So proud of her.  She was feeling a bit weird (as I'm sure most people would) not getting me anything as it was a pretty big birthday..   30...  but, getting me nothing was the best present I have received in a long time.  Just spending time with her and knowing that $50, 100, 250, etc was just saved on gifts was great!  Knowing that there was no stress trying to figure out what I wanted but didn't really need makes me feel happy.  We have so much stuff already, just give me time! 

What she does not know is that I spent $10,000 dollars yesterday!! hahaha

I bought 182 shares of Realty Income Corp.  at $55.15.  I missed the opening price $54.93 by .03..  had a bid at $54.90.  Oh well...   if this holding performs in the future like it has in the past, .25 is not going to make much of a difference.  This purchase adds $40 per month to my income!  All total, with reinvestment, I should earn more than $500 next year with this purchase. 

Talking about time..  $500 more a year is essentially one entire week of work I know longer have to perform.  Talk about a birthday gift! 

So, depending on the 401K payouts, I am looking to receive around $2,750 in dividends this year.  With another $500 from O next year, I am back up to around $3,250.  Moving back up finally!   $3,250 should pay for 1.5 months of all expenses.  With no mortgage, my wife and I are around the $2,000 mark each month for all expenses, including taxes/insurance on cars/house. For proof, my expenses spreadsheet has an average of $2,087 over the last 6 months.  To get below $2000 we only have to not eat out twice or combine more shopping/grocery trips so we fill the gas tanks up a little less.  Can't beat that!

I have a little bit more money to invest...  I wanted DPS and MO but I did not transfer money in time so I will look for them to pull back a bit after nearly a straight line up.

In other news...   how do you like the new google finance? 

Personally, I think it was a giant step backwards.  I wish they would have kept the recent stocks and chart page all on the same page.  It was so nice to click back and forth and not have to jump to a new page each time.  I also liked the way the charts were set up.  The rigidity (is that a word) of the chart was nice.  Now, they have moved it to look more like other finance pages and I don't like it. 

Thanks for reading!  Have a great Holiday Season.  Save money, Invest and Spend more TIME with family this year.
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Hey Everyone!

I write this post to you coming from Jacksonville Beach Florida.  We have been in the Florida area now for just over two weeks with probably another two weeks left on our trip.  More on this trip to come in the future.

For now, lets talk dividends!

This was a rough month for the portfolio to say the least. But, I did manage to pick up some dividend income so not all was lost.

I had four payments into the taxable account:

VHT                          $18.09
UVE                          $14.34
CSCO                       $87.78
Money Market          $0.16

Total:                        $120.37

This was a small gain from last quarter of $1.54.  All of that was due to reinvesting those dividends.



The chart should start to level out I would think around here for a while.  Still no new capital to place into the market quite yet.
Hope you had a great October!
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Hi Everyone,

After investing in the stock market now for roughly 8 years, I thought I was starting to get the hang of things.

I read earnings reports, check companies financials, predict future growth, look for undervalued companies based on those prior factors and for once, I was confident!

Phillip Morris (PM) was a stock I had owned since 2011.  After years of doing nothing except paying out a nice dividend, all of a sudden it took off - from $90 to $110 in a span of 2 months.  I looked at this as an opportunity to get out.  The earnings were still deteriorating, and there was only hope from investors that IQOS would save the company.  There was also rumors of a possible merger back to Altria (MO) swirling around.  None of which was based on results from the company.

Well, I like to try and invest more on numbers and not hopes and dreams.

So I sold PM around $110.

It continued its run up to $120.

I want to buy the company back around $100 or less so as of writing, that is still looking good!  PM is back down to $106...  basically still about $110 if you throw in the dividends I have missed along the way.

Now here is the real kicker...

Remember I was saying how confident I was earlier in the post...

Well, I took a look at Biotech stocks.  For a couple of years now they have been under pressure.  Mostly due to drug price concerns and the government interfering.  I look at that as unfounded concerns because it takes a lot of money to develop said drugs.  If you take away the companies ability to make good money off the homerun drugs they create this hurts their ability to do research on new drugs.

Anyway...   after looking through companies I liked two the most...   Celegene (CELG) and Biogen (BIIB).  Both had good earnings, a good pipeline, and were beaten down from their highs.

I took $9000 from the sell of PM, added another $2500 sitting in the accounts for a round number of $11,500 to invest into Biotech - CELG, BIIB.

I now have an average buy price for CELG at $125 and BIIB at $280.

Then they both start to go up!  Life is good!  PM is going down, CELG and BIIB going up!

CELG then hits an all time high! $146 a share!  I'm up over $2000 in a span of just a couple months.

BIIB breaks through the $300 level which was resistance and hits $348!

And then American Dividend Dream bad luck hits home in a hurry....

In the span of less than 3 weeks, CELG hit a an all time high and a 52 week low..   What are the F*($%&G odds!!!!

Now, I'm sitting on a broken stock, a broken company with negativity all around and no path forward.  What should I do?  Sell it and kiss $2000 goodbye?  Hold it for another year most likely, before any positive things happen?  I have no idea.

This just goes to show that no matter how confident you might be about an investment, you are one downgrade from Morgan Stanley, one cancelled phase 3 trial, and one earnings revision down from seeing your stock go from Hero to Dud in less than a month.

BIIB is still looking okay.  Looks like I will have to go another 3 months until another earnings report comes out from that one before seeing which way it wants to go.

I feel so defeated right now its unbelievable.  I almost want to give up on the stock market entirely and try my hand at something else.
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Hi Everyone,

September is generally one of the months where investors receive a lot of dividend income.  Its really fun to read other bloggers and watch their year over year growth in the "big 4" months of the year.

Unfortunately for me, the "big 4" months are a little light in regards to income. The big reason is because I just do not have that many companies that pay in that month and the companies I do have are not big payers.

Just 4 sources of income this month:

Visa:  $17.50
Pepsi: $34.56
FTSE - Mutual Fund:  $94.92
Money Market:  $0.13

TOTAL:  $147.11

My FTSE holding is my only mutual fund from my 401K that pays out a dividend.  A bit disappointing that the other funds do not, but FTSE has been doing a fantastic job for me all around.  The growth and the income have been great this year.

The prediction last month about UVE came true.  Hopefully someone out there picked it up in the $15's!!!  It has rebounding nicely and the hurricane impact was much less than predicted originally.  Although for anyone in the Keys, and West Florida, hope everything is okay!

I did not have many portfolio changes this month.  Looking into the future, I would love for CELG and BIIB to explode higher.  PM, MO, DPS and O all look really attractive right now.  I'd love to squeeze a few more points out of CELG and BIIB before making a move.  The charts still look good for both of those companies and the overall IBB index is making moves higher.  With healthcare on the back burner in Washington and taxes on the minds of everyone, the healthcare industry might come roaring back.  With some good earnings reports and its a recipe for good things to come!

I hope everyone had a great September and I look forward to reading those big income totals!
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Good Evening,

After my wife graciously allowed me to invest $16,000 into stocks back around May, we have been slowly building back up cash reserves and slowly buying stocks.  After we updated our 401K investments to lower our taxable income, there has been less money around to invest into the taxable accounts.  Over the past 2 months, we have only made two purchases:


  • 82 shares of CSCO at $29.15 on 6/23/16
  • 81 shares of CSCO at $30.80 on 7/22/16
Total investment of roughly $5,000 into CSCO in the past 2 months.  I am of the opinion that Cisco is one of the most undervalued companies in the technology sector right now.  Not to mention, they are running a 3.5% dividend yield!  Cash of over $60 Billion and Debt of under $30 Billion so there is room to grow the dividend, continue buying shares, and make attractive acquisitions to boost growth.

Moving into a technical perspective of the stock chart, it has been trading below the $30 range for over 10 years.  This basing pattern was experienced by MSFT, KO, T and various others.  To me, it seems that some of these "old" tech companies are starting to turn the tides and have grown into their extreme valuations from the tech bubble.  I had a hunch years ago that MSFT was beginning to right the ship and I only acted on it with a few thousand dollars.  I missed the double from the bottom.  My belief is that CSCO is on its way to break out and potentially double over the next 3-5 years.  I do not want to miss out.  If you look at CSCO's earnings, buybacks, and transition in business processes, they are like all of the other "old" companies.  They have taken a little while to turn around, but its working and I'm thinking the gravy train will continue.  In the meantime, they sport a 13 forward PE and a 3.5% dividend yield, so I can wait to see it through.

This brings my CSCO position to an even 300 shares worth roughly $9,000 at todays prices.  This position provides $312 of income per year with current dividend at $1.04
Thanks for reading!
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