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Just a quick post that I am still alive and investing (and I have a new job.)  There is much going on in the DFG household right now that I will post in a few weeks or months ;-).  Also, once I transfer my 401k from my previous company which doesn't pay dividends to my IRA there will be another big boost to dividend income.  Below is just a quick snapshot where I am at year to date.

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The goal of dividend growth investing is to create an income stream from many companies that increase their dividend each year.  To protect the income stream they should also be a diversified set of stocks across the many sectors of the industry.  Let's see what companies worked for me and deposited those profits into my accounts.

Account
Company
Dividend
Brokerage
General Electric Company
 $            0.48
IRA
The Coca-Cola Co
 $            9.75
IRA
Universal Health Realty Income Trust
 $         16.63
IRA
Whitestone REIT
 $            9.50
IRA
Cardinal Health Inc
 $            9.25
IRA
Gladstone Investment Corporation
 $            6.70
IRA
Cardinal Health Inc
 $         46.24


 $         98.55

Gladstone Investment increased their dividends which I received for the month.  It was only $.003 per quarter but I will take it.  April is usually a small month for me as most of the companies I hold paid last month.  Still it was a great month compared to last year (only $19.14.)  That is a decent 415% increase mostly from the addition of Cardinal Health.

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March 2018

Using the Frugalmaster machine (your mind) often results in a happier life and a fuller wallet.  You use this machine every time you decide to delay gratification of stuff and instead focus your energies on what makes you happier.

Category
Spent
FrugalMaster Notes 
Housing/
Insurance
$2,260
Still paying extra $700 in principle
Transportation
$831
Repair work on the minivan
Food
$823
Extra week of food shopping.  We ate out once and got pizza once.  Need to curb that since next month I will be unemployed.
Utilities
$798
Such a drain (get it?)
Gifts/Charity
$419
Candy bar sale for our church ended.  We sold a bit and bought some for ourselves.  I didn't deposit the cash in time so we will see a dip in this category next month.
Home Maintenance/
Supplies
$334
Finished some trim work that was never done.  Repaired moldy caulk in bathroom and kitchen.  Performed touch up painting on walls and trim around the house.
Shopping
$260

Health & Fitness
$255
Weights for me and new glasses for my son
Personal Care
$67

Entertainment
$50

Kids
$36

Everything Else
$35

Total
$6168
Well that is allot of money
Minus mortgage
$3908


It was a nice day so my son decided to roll down the window.  Problem was it didn't go back up and winter was still much in full swing in March.  Try as I might I couldn't get the window back up to tape it closed.  We had to make a long distance trip so we decided to get it fixed.

Overall we managed to save and were able to sock away 30% of our income (above and beyond 401k contributions.)  Most of that savings was from our federal and state tax refunds.

Not much else to say other than next month we will really need to tighten the frugal belt as there will only be one paycheck for the month and then I am officially unemployed.  This will be a true test of buying only what we really need.

How was your March?

Peace,
Dividend Family Guy

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The goal of dividend growth investing is to create an income stream from many companies that increase their dividend each year.  To protect the income stream they should also be a diversified set of stocks across the many sectors of the industry.  Let's see what companies worked for me and deposited those profits into my accounts.



Account
Company
Dividend ($)
Brokerage
International Business Machines Corp.
7.5
Brokerage
Old Republic International Corporation
76.64
IRA
Exxon Mobil Corporation
85.47
IRA
International Business Machines Corp.
100.5
IRA
Target Corporation
62
IRA
Archer Daniels Midland Co
33.5
IRA
Whitestone REIT
9.5
IRA
Old Republic International Corporation
161.66
IRA
Delta Air Lines, Inc.
0.31
IRA
Duke Energy Corp
5.34
IRA
Flowers Foods, Inc.
5.44
IRA
Finish Line Inc
2.88
IRA
GameStop Corp.
38
IRA
QUALCOMM, Inc.
10.26
IRA
Brinker International, Inc.
8.36
IRA
Mercury General Corporation
62.5
RothIRA
International Business Machines Corp.
6
RothIRA
VF Corp
0.46
IRA
Old Republic International Corporation
39
HSA
Vanguard Total International Stock Index Fund Institutional Plus Shares
5.14

March Total
720.46

This represents a 39% increase of dividends received in March of last year.  If I were to leave my current portfolio alone and not deposit any more cash, in 20 years I could retire and live off of it.  That gives me some solace as I continue my job search. 

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Company Name
Symbol
Industry
No. Years
Dividend Yield
Sector
EPS% Payout
+/-% vs. Graham
Chowder Rule
Prudential Financial Inc.
PRU
Insurance
10
3.48
Financials
32.00
(42.4)
16.9
Principal Financial Group Inc.
PFG
Financial Services
10
3.35
Financials
34.87
(20.4)
23.1
CVS Health Corp.
CVS
Retail-Drugstores
14
3.21
Consumer Staples
30.86
(15.6)
28.4
National Healthcare Corp.
NHC
Healthcare Facilities
14
3.22
Health Care
45.18
(10.3)
12.4
Archer Daniels Midland
ADM
Agriculture
43
3.09
Consumer Staples
72.04
17.4
15.9
Helmerich & Payne Inc.
HP
Oil&Gas
45
4.21
Energy
33.86
(24.8)
62.7
Old Republic International
ORI
Insurance
37
3.64
Financials
36.97
(26.4)
5.0
Lazard Limited
LAZ
Financial Services
10
3.12
Financials
30.20
50.3
19.3
Cracker Barrel Old Country
CBRL
Restaurants
15
3.02
Consumer Discretionary
43.17
98.8
30.4
Brinker International
EAT
Restaurants
13
4.21
Consumer Discretionary
54.09
n/a
19.1

The Dividend Family Guy stock screen top 10 identifies dividend growth companies that have a yield of 3% or higher and have been increasing dividends for 10 or more years.  The information is gathered from David Fish's US Dividend Champions spreadsheet

There are a few stocks on sale finally.  There are also mostly old timers on my list.  For me this month I will be watching and not buying as I conserve cash now that I am unemployed.  Hopefully soon something will present itself and I will be able to get back into investing for financial freedom!

 

Peace,
DFG
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It is week 3 of my unemployment.  House projects are coming along nicely but there seems to be an endless stream of them.  The stream is a result of having lots of kids I prefer to spend time with and putting off most of the stuff until now.  No complaints here though as it gives me something to do in between phone screens.



It appears that I have aged myself out of most jobs.  By that I mean I cost too much and am over qualified.  While that is flattering I may have to set aside my ego and take a step back in my current career to provide for the family.



In short I won't be buying any stocks this month.  With cash now being king I am saving every penny I can in case I need to dip into emergency funds once the severance package is spent.



I am still working out (free weights) and talking to friends which keeps my spirits high.  Also we had an Easter celebration with my side of the family last weekend.  Seeing all of them always makes me happy.



Please keep me in your thoughts and prayers as I have learned having no income and no long term safety net (enough dividends to cover my expenses) is a bit stressful.



Peace,

DFG
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Using the Frugalmaster machine (your mind) often results in a happier life and a fuller wallet.  You use this machine every time you decide to delay gratification of stuff and instead focus your energies on what makes you happier.

My wife and I recently did an exercise together where we list 5 things that make us happier.  What was not on the list was our home, stuff, or money.  What was both on our lists was spending time together as a family.  There was once a show called Growing Pains with the theme song of As Long as We Got Each Other.  Social connectedness is one of the things humans need.  So as always I am trying to retrain my mind to focus on family and less on stuff.

I admit though that I am not perfect (as is evident in my monthly expenses).  Let's have a look and see where improvements could be made.

Category
Spent
FrugalMaster Notes 
Housing/
Insurance
$2,260
Still paying extra $700 in principle
Food
$715
$102 per person per month.  Slightly higher than planned as I picked up a bunch of organic chicken and beef on discount and froze it.
Utilities
$657
It would be nice to live in the country again with minimal utility expenses and lots of nature
Home Maintenance/
Supplies
$263
Purchased another low flow toilet for the master bathroom.  I will be working on it in March.  Other than that just the usual stuff to keep a home going.
Shopping
$248
Winter clearance clothes shopping.  Also as a gift bought my son's senior year book.  Much debate was had between me and the Mrs. on the purchase.
Gifts/Charity
$194
Last month's dispute was resolved so the gift was charged back to our credit card (plus our usual giving)
Transportation
$112
One college visit and normal local driving
Health & Fitness
$70
Dr. and Dentist visits
Personal Care
$47
Toiletries and some hair color for the Mrs.
Entertainment
$20
Parking for the Home & Garden show at our local convention center
Everything Else
$12
Domain name renewal
Kids
$11
Diapers
Total
$4,608

Minus mortgage
$2,348
Based on this spending, social security tells me we will be able to live off of that alone.  Not bad but not counting on getting that full amount.

If we could erase our mortgage and drop our utilities the DFG family could easily live off of 24k a year.  Probably even less as we would only need one car if we no longer needed to commute to work. 


The best way to get that 24k a year is with dividends provided by the many companies of the world.  And how do we get that money?  Well by saving and investing in dividend growth stocks.  With that said I was able to save 40% of my net income (does not include 401k which I max out).  Most of that was from my yearly bonus but I am not complaining.

I hope you all had a great February!

Dividend Family Guy


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Landscape at Home and Garden show

The goal of dividend growth investing is to create an income stream from many companies that increase their dividend each year.  To protect the income stream they should also be a diversified set of stocks across the many sectors of the industry.  Let's see what companies worked for me and deposited those profits into my brokerage accounts.

This month I was visited by the telecommunications dividend fairies (VZ and T).  While tight competition keeps them from large dividend increases, they provide a nice yield to purchase other dividend growth stocks.

My largest REIT holding (OHI) also did some heavy lifting and rewarded me with a decent chunk of change.  My REIT sector is near my target weight in the portfolio so those dividends will go toward other opportunities.


Company
Ticker
Dividend
Increase
Dividends
Received
Alliance Holdings GP, L.P.
AHGP
$.01
$0.74
Bowl America Incorporated
BWL.A

$51.6
Gladstone Investment Corporation
GAIN

$6.5
Lazard Ltd
LAZ
$.13
$11.79
Omega Healthcare Investors Inc.
OHI
$.01
$264
Procter & Gamble Co
PG

$69.23
AT&T Inc.
T
$.01
$112.55
Universal Corp
UVV
$.01
$27.74
Verizon Communications Inc.
VZ

$71.41
Whitestone REIT
WSR

$9.5
Total Dividends for February


$625.06

On top of that 5 of the companies also increased their dividend per share.  LAZ pays a large dividend only in February so the 13 cents was the increase when comparing it to February of last year.  No complaints here as all of those increases added an extra $5 to my wallet compared to what I was estimating. 

Overall my February dividend income increased by 127% YOY.  I added a decent amount of capital last year and hope to do the same again this year.  Over time the YOY percentage will shrink as my portfolio grows in size.  I hope by then dividend increases will play a larger role than my capital contributions.  I love compounding!

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Company Name
Symbol
Industry
No. Years
Dividend Yield
Sector
EPS% Payout
+/-% vs. Graham
Chowder Rule
Principal Financial Group Inc.
PFG
Financial Services
10
3.27
Financials
26.19
(29.4)
23.0
Prudential Financial Inc.
PRU
Insurance
10
3.39
Financials
32.00
(41.0)
16.8
Helmerich & Payne Inc.
HP
Oil&Gas
45
4.34
Energy
33.86
(27.1)
62.8
Altria Group Inc.
MO
Tobacco
48
4.19
Consumer Staples
49.53
128.1
12.5
Consolidated Edison
ED
Utility-Electric
44
3.82
Utilities
13.03
(52.3)
6.5
Portland General Electric Co.
POR
Utility-Electric
12
3.42
Utilities
23.09
(33.8)
7.7
Archer Daniels Midland
ADM
Agriculture
43
3.23
Consumer Staples
63.51
5.8
16.1
Old Republic International
ORI
Insurance
37
3.89
Financials
40.84
(28.1)
5.3
National Healthcare Corp.
NHC
Healthcare Facilities
14
3.27
Health Care
52.03
(5.3)
12.4
Cracker Barrel Old Country
CBRL
Restaurants
15
3.07
Consumer Discretionary
43.17
94.9
30.5


The Dividend Family Guy stock screen top 10 identifies dividend growth companies that have a yield of 3% or higher and have been increasing dividends for 10 or more years.  The information is gathered from David Fish's US Dividend Champions spreadsheet

PFG is 2 months now at the top spot and I still haven't researched it yet.  Maybe the world is hinting to me.  Prudential (PRU) hasn’t ever been on my list but it is this month.  Looks like they just crossed the ten year mark with the last cut in 2008.  They have quickly risen back up (or close) to the pre-financial crisis dividend.  It had topped out in January around $125 and is now trading at $106.  I am already heave on the financials side so further research (and rebalancing) would be needed.

However 2 more utilities have popped up on the list, ED and POR.  My portfolio is only at .3% with regards to utilities with a goal to get that near 10%.  After many years of reading dividend growth blogs I have learned that utilities make up a good percentage of the companies that pay dividends (and grow) over the long term.  They also weather recessions better. Were as the Financials sector is usually the hardest hit and has the most dividend cuts (see PRU above).

 

Cracker Barrel Old Country and Altria both are a bit overpriced for me at this time.  Their growth though does give me some pause and they are repeat guest on the DFG watchlist.

What's on your watchlist for the month? Anything not on mine that is a utility?

Happy investing,
Dividend Family Guy

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Marching at the capital.  How proud I am of my daughter!

I would like to say I am a buy and hold kind of guy but I am not.  Sometimes I sell if my portfolio is out of balance.  Sometimes I sell if the capital appreciation for a stock is worth 10 years of dividends at the current rate.  I look to reinvest my capital in something that will grow and pay more dividends in the future.  That pattern is performed in my tax sheltered accounts as I only plan to live off of dividends in my later years.  As for my brokerage I try to hang on to stocks longer to minimize my taxes.

Besides my normal contributions to my 401k, below are the stocks I bought or sold.  Also included is how it affected my forward dividends.

Stock
Transaction Type
Forward Dividends
(yearly)
Notes
AmTrust Financial Services
Sell
-$534.48
6 quarters with no dividend increase
Delta Air Lines, Inc.
Buy
+$1.22
Bought 1 share testing out a theory
Duke Energy
Buy
+21.36
Increasing utilities in my portfolio (from 0%)
IBM
Buy
+$240
I used to work for them,  they are on the right path
Old Republic International
Sell
-$152
Overweight in financials sector.  Trimming some fat here
Target
Buy
+$124

Verizon Preferred
Sell
-$26.56
This is more like a bond and not sure why I bought it.  Likely chasing yield without understand what I was buying.
Month Total

-$326.46


So you are probably thinking I am a bit crazy after the month of January.  Who gives up $300+in dividends a year?  My goal is always to have a portfolio of dividend GROWTHstocks.  With AFSI potentially going private and with no dividend increase since 2016 I decided to cash out while the going was good.  That cash will enable me to invest further in dividend growth stocks at the right opportunity.  With the market swinging wildly during this correction it could provide the right time.

I hope you were able to increase your forward dividends in January (or just get started with dividend growth investing).  Let me know what you did for the month as I am always curious what the community is doing.

Dividend Family Guy

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