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I think it’s the first time I’m ever this late in posting my monthly dividend update, but it’s for good reasons. I’ll keep this brief and jump right into it!

Here are the dividends I’ve received in June 2018 from both of my investing accounts:

TFSA:
  • Financial 15 (FTN): $189.18
  • Savaria Corp (SIS): $22.53
  • Enbridge Income Fund Holdings (ENF): $18.45
  • Saputo (SAP): $9.44
  • Park Lawn Corp (PLC): $27.59
  • Sienna Senior Living (SIA): $18.83
  • Medical Facilities Corp (DR): $30.32
RRSP:
  • Financial 15 (FTN): $374.33
  • Savaria Corp (SIS): $2.10
  • Enbridge Income Fund Holdings (ENF): $9.98
  • Dream Global REIT (DRG.UN): $19.80
  • Realty Income (O): $12.58
  • Old Residential (ORI): $7.62
  • Unilever (UL): $12.22

Total: $754.97

Last year, in June 2017, I had received a total of $689.00, which represents a YoY increase of 9.6% (see graph).

This month brings me up to $4,554.00 in total annual dividends, which means I’m almost halfway to reaching my goal of $10,000 by the end of the year.

Sales:

None.

Purchases:

None.

Extra Shares from DRIP:

  • FTN : 55 Shares
  • DRG.UN: 1 Share
  • DR: 2 Shares
  • SIA: 1 Share
  • PLC: 1 Share
Forward Annual Dividend:

My current annual forward dividend total is $9,824.27. As I’ve said before, this number is more important to me than the actual dividends received. I’m only $175.73 away from generating $10,000 in passive income on a yearly basis!

2018 Plan / Update:

The plan is overall the same +/- some adjustments

1- Initiate more positions and gain exposure to new US positions. This is the same

2- Max out my TFSA and RRSP. Again, the same. Will require patience and much discipline…

3- Re-organize my US and Canadian positions. Meh, no rush.

4- I might take advantage of this recent run from ENF and MRU to dump both of my positions and re-initiate my BLX position. I’m also looking at BEP to see if this is an interesting possibility.

Let me hear about your month! Comment below with a link And let me know what you think of BEP or BEP-UN.TO

As always, thank you so much for reading these updates!

-DI

Please check out my Amazon StoreYoutube Channel and Twitter

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I’ve held this post off for a while now because there hasn’t been too much movement in this area.

As stated in the latest update, most of my income sources still don’t generate revenue on a regular basis. Only 3 of them actually have to potential to really GENERATE revenue, these are my YouTube Channel, my Blog, and my Amazon Affiliate Links. The 2 others only return part of my spending to me in the form of Cash Back, through my MBNA Credit Card or Ebates.

Let’s dive into it!

Cash Back:
  • January:
    • MBNA Rewards World Elite Mastercard: $87.00
    • Ebates.ca: $0.00
  • February:
    • MBNA Rewards World Elite Mastercard: $60.00
    • Ebates.ca: $17.03
  • March:
    • MBNA Rewards World Elite Mastercard: $68.00
    • Ebates.ca: $0.00

MY CC has been pretty stable in terms of cash back. Which is good, because it indirectly tracks my spending. In the next months (3 to 24), this will dramatically increase for many reasons. I’ll be moving, starting a business, buying a lot, building a house… ya, ouch.

As for the Ebates return, I’ve received my second check. There will be an increase as well, for the same reasons as stated above.

Social Media Income:
  • January:
    • Youtube (Adsense) Revenue: $153.19
    • Amazon.com Affiliate Links: $0.00
    • Blog (Adwords) Revenue: $0.00
  • February:
    • Youtube (Adsense) Revenue: $168.56
    • Amazon.com Affiliate Links: $0.00
    • Blog (Adwords) Revenue: $0.00
  • March:
    • Youtube (Adsense) Revenue: $609.86
    • Amazon.com Affiliate Links: $0.00
    • Blog (Adwords) Revenue: $0.00

My Youtube revenue is booming! I don’t really know why, as I really haven’t had the time to create more videos… Most likely the result of the recent turmoil in the market getting more people to educate themselves. This is a welcome trend!   Channel

In terms of Affiliate Links, there is some minor activity. I see the total creeping up slowly but I’m still far from the $100 threshold needed for them to send me a payment.

The Blog is showing continued signs of some minor financial life. As stated before, this is not the goal here. Still far from the payment threshold as well.

Conclusion

All in all, a good start for 2018. The YouTube revenue is the real surprise here. I sadly probably will not have the time to create new videos for a little while. But, when possible I will keep posting my monthly update on this blog!

I’ve decided to post my Extra Income updates quarterly, instead of monthly, since there is little to now activity and this serves more as a tracking system.

This Extra Income will go towards paying debt, and accumulation in hopes of decreasing the financial shock that will accompany the upcoming life changes.

Thanks for taking the time to read.

Cheers!

-DI

Don’t forget to check out my latest Dividend UpdateYoutube Channel, Amazon Store and Twitter

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As you have seen in my last post and my last dividend update, I have some contributing to do if I’m to reach my 2018 goal. I’ve also been doing some cleaning up lately in terms of Canadian holdings located in my RRSP. Let’s take a look at the dividends I’ve received in February 2018 from both of my investing accounts:

TFSA:
  • Financial 15 (FTN): $180.51
  • Savaria Corp (SIS): $16.56
  • Park Lawn Corp (PLC): $24.93
  • Enbridge Income Fund Holdings (ENF): $11.86
  • Sienna Senior Living (SIA): $7.13
RRSP:
  • Financial 15 (FTN): $356.99
  • Savaria Corp (SIS): $2.10
  • Enbridge Income Fund Holdings (ENF): $9.98
  • Dream Global REIT (DRG.UN): $19.53
  • Omega Healthcare (OHI): $118.21
  • Realty Income (O): $7.35

Total: $755.15 (NEW RECORD!)

Last year, in February 2017, I had received a total of $613.77, which represents a YoY increase of 23% (see graph).

This month brings me up to $1,450.11 in total dividends, which means I still have about $8,550 to go if I want to reach my goal of $10,000 by the end of the year. My current annual forward dividend yield is $8,930.62 so I will have to do some more contributing before I can actually reach my goal. But on the bright side, I’ve managed to increase my annual forward dividend yield by about $600 in a single month! I now make more than $1/h, every single hour, of every single day!

Sales:

RRSP:

  • Metro Inc (MRU) – Entire position (12 shares)
  • Alimentation Couche-Tard (ATD.B) – Entire position (21 shares)
Purchases:

TFSA:

  • Medical Facilities (DR) – 200 shares
  • Metro Inc (MRU) – 25 shares
  • Alimentation Couche-Tard (ATD.B) – 32 shares

RRSP:

  • Realty Income (O) – 17 shares
  • New Residential (NRZ) – 90 shares
Dividend Raises:

None.

Plan:

1- Same old same old, more contributing, new US positions as mentioned in previous updates. The purchase of NRZ was part of this plan. More to come!

2- Patiently waiting for the tax return to come in somewhere in beginning of April (hopefully even end of March) so that it can be invested into my TFSA. I’m hoping for a 5-figure return (That’s right, FIVE figures!) that will push my annual forward dividend yield above the $9,500-9,600 mark.

3- Keep re-organizing my US and Canadian positions as more TFSA contributions are made, much like I’ve done thins month with MRU and ATD.B. I also took the opportunity to increase both of these positions by about 100% and 50%, respectively.

How are your goals shaping up for 2018 now that we already have 2 months in??

As always, thank you so much for reading these updates!

-DI

Please check out my Amazon StoreYoutube Channel and Twitter

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The Dividend Investor Blog by Dividend Investor - 5M ago

I’ve been getting some messages recently concerning my portfolio holdings. More specifically, how mush is invested into each of my positions. While I have posted my end of year report which contains the total portfolio worth and you could reverse calculate the number of shares I have based on the dividends/share by looking at a few months dividend updates, I’ll make this much easier. Here is how my portfolio currently stands.

All prices will be in Canadian dollars and the number of shares include the DRIPed shares acquired in February (where applicable).

Format will be as follows:

Name (TICKER) – # Shares – Price-per-share – Market Value

Here goes:

TFSA:
  • Enbridge Income Fund Holdings (ENF) – 63 – $28.04 – $1,766.52
  • Far Resources (FAT) – 13,520 – $0.53 – $7,165.60
  • Financial 15 (FTN) – 1,453 – $10.55 – $15,329.15
  • Park Lawn Corp (PLC) – 656 – $23.08 – $15,140.48
  • Saputo (SAP) – 59 – $40.67 – $2,399.53
  • Sienna Senior Living (SIA) – 95 – $17.51 – $1,663.45
  • Savaria (SIS) – 552 – $16.66 – $9.196.32
  • Telus (T) – 54 – $46.34 – $2,502.36
  • Total: $55,163.41
RRSP:
  • Enbridge Income Fund Holdings (ENF) – 53 – $28.04 – $1,612.67
  • Alimentation Couche-Tard (ATD.B) – 21 – $62.53 – $1,313.13
  • Financial 15 (FTN) – 2,874 – $10.55 – $30,320.70
  • Imagin Medical (IME) – 11,200 – $0.285 – $3,192.00
  • Metro (MRU) – 12 – $39.79 – $477.48
  • Realty Income Corp (O) – 44 – $61,99 – $2,727.63
  • Savaria (SIS) – 70 – $16.66 – $1,164.10
  • Omega Healthcare (OHI) – 144 – $33.12 – $4,769.19
  • Old Republic International (ORI) – 30 – $26.19 – $785.77
  • Unilever (UL) – 20 – $66.19 – $1,323.77
  • Dream Global REIT (DRG.UN) – 294 – $12.32 – $3,620.61
  • Total: $51,178.90

There’s no denying it, I need to diversify more. Currently a huge chunk of my RRSP is in FTN which is great in terms of making money with dividends. While I don’t intend on selling any FTN just yet, I will have to purchase elsewhere and dilute my FTN position.

Game Plan!

You know me, I love having objectives and checkpoints set up. It makes me feel more in control. I’m always tweaking things and constantly looking to optimize my portfolio so in the short-to-medium term, I plan on:

  1. Increasing my T, SIA, DRG.UN and SAP positions
  2. Re-initiating my Boralex (BLX) position. (see Master Plan)
  3. Increasing some of my US positions (UL, O)
  4. Initiating NEW US positions (DEO, PFE, ABBV, NRZ, MMM) to increase my diversification.
  5. Initiating a position in a dividend paying Emerging Markets ETF (such as VWO) to gain some much-needed exposure into the sector.
  6. Selling my smaller CDN RRSP positions (SIS, DRG.UN, MRU, ATD.B, ENF) and buying the exact same positions in my TFSA with new capital (when such capital becomes available) while allocating the free RRSP cash to US stocks (point No.4). This will most likely occur later on in 2018 or even early 2019.

So there you have it, a little snapshot of my portfolio. Let me know what you guys think about it and if you have any suggestions regarding it or regarding the Emerging Markets ETF particularly.

Cheers!

-DI

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This year is off to the races! Time for a fresh start and I’m feeling more determined than ever! Here are the dividends I’ve received in January 2018 from both of my investing accounts:

TFSA:
  • Financial 15 (FTN): $178.37
  • Savaria Corp (SIS): $16.56
  • Park Lawn Corp (PLC): $24.89
  • Enbridge Income Fund Holdings (ENF): $10.09
  • Sienna Senior Living (SIA): $2.85
RRSP:
  • Financial 15 (FTN): $352.84
  • Savaria Corp (SIS): $2.10
  • Enbridge Income Fund Holdings (ENF): $9.07
  • Dream Global REIT (DRG.UN): $18.00
  • Roger’s Sugar (RSI): $15.57
  • Old Republic (ORI): $36.80
  • Dollorama (DOL): $0.55

Total: $694.96

Last year, in January 2017, I had received a total of $576.47, which represents a YoY increase of 20.6% (see graph).

I still have a good $9,300+ if I want to reach my goal of $10,000 by the end of the year. Lots of time left. My current annual forward dividend yield is $8,257.05 so I will have to do some more contributing before I can actually reach my goal.

Sales:

RRSP:

  • Dollorama (DOL) – Entire position
  • Rogers Sugar (RSI) – Entire position
Purchases:

TFSA:

  • Sienna Senior Living (SIA) – 57 shares
  • Enbridge Income Holding Fund (ENF) – 4 shares

RRSP:

  • Dream Global REIT (DRG.UN) – 22 shares
  • Realty Income (O) – 27 shares
  • Unilever (UL) – 20 shares
  • Old Republic (ORI) – 30 shares
Dividend Raises:

I was lucky enough to get a 10.8% dividend raise from Metro (MRU) in January. This represents a small (even negligible) annual dividend change since my MRU position is very small. Nonetheless, I am happy!

Plan:

1- Continue to increase my diversity (US stocks) in my RRSP. I will try to make more contributions as the year goes by and add to my current UL, O, OHI positions. I will also try to initiate some new positions in Pfizer, 3M and New Residential.

2- The My Evil Master Plan is still underway. Patience is key, as looking at the day-to-day fluctuations is making me nauseous…. +20% here, -15% there… Jesus… Still waiting for the 3-bagger status.

3- Fortify some of my current TFSA positions such as SAP, SIA, T. And potentially initiate some new positions in companies like Highliner Foods, ZCL Composites, or Chorus Aviation (this is my current watchlist). I plan on initiating a DRG.UN position in my TFSA as well because I’ll be busy putting my money elsewhere in my RRSP (where my current DRG.UN sits) and feel like I should fortify this position as well.

What are your more short or medium term goals??

As always, thank you so much for reading these updates!

-DI

Please check out my Amazon StoreYoutube Channel and Twitter

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If might have read my previous post Evil Master Plan, where I plan to make a bunch of $$ on some penny stocks and reallocate the $ to more DGI stocks.

If not, let me break it down quickly.

In my TFSA, I’ve sold my 239 Shares of Boralex (BLX) to initiate a position in Far Resources (FAT) at $0.405/share. I had made a plan with the money I will (and already have!) generate from this investment.

The old plan went as follows:

  • Repurchase my 239 shares of Boralex (BLX)
  • Then distribute the profits as follows:
    • Sienna Senior Living (SIA): 50%
    • Dream Global REIT (DRG.UN): 30%
    • Saputo (SAP): 20%

The new plan is looking a little more like:

  • Repurchase my 239 shares of Boralex (BLX)
  • Then distribute the profits as follows:
    • Dream Global REIT (DRG.UN): 35%
    • Sienna Senior Living (SIA): 25%
    • Telus (T): 25%
    • ZCL Composites (ZCL): 15%

The reason is that I want to concentrate on significant DGI stocks in order to increase my yield. After all, this move into FAT aimed to boost my yearly dividends and help me reach my goal. The Saputo (SAP) position will be reinforced once the tax return kicks in.

How things are going so Far (<– see what I did there?)

Current price for FAT is at $0.91 which means I’m standing at 125% gain on my position.

I’m realistically expecting a 3-bagger, and hopefully even a 4-bagger.

The current price for BLX is at $23.37, which is slightly higher than when I sold.

At this point in time, if I were to sell my FAT position and allocate it as mentioned I would get (I’ll round out the numbers to make it easier to read):

  • Selling 13,520 FAT shares = $12,300
  • Buying:
    • 239 BLX shares = $5,600 cost = $143 annual dividends
    • 195 DRG.UN shares = $2,345 cost = $156 annual dividends
    • 35 T shares = $1,675 cost = $71 annual dividends
    • 91 SIA shares = $1,675 cost = $82 annual dividends
    • 91 ZCL shares = $1,000 cost = $43 annual dividends

Total increase in annual dividends with new plan

  • Current situation: $495
  • 3-bagger situation: $711
  • 4-bagger situation: $999 (*drools*)
Even more Tweaking

Only fools don’t change their minds. The biggest change in the plan happens in my RRSP with my IME position.

I’ve bought 11,200 shares of Imagin Medical (IME) at $0.19. This is going to be a slower play and represents a smaller overall position than FAT. Human trial have just begun and results are expected in the next 3-4 months. I’m inclined to hold this stock longer than a few months if I have too. It currently trades at $0.235, so I’m standing at 24% gain.

I didn’t sell anything to initiate this position so nothing to repurchase.

My old plan was as follows:

  • Metro Inc (MRU): 30%
  • Alimentation Couche-Tard (ATD.B): 40%
  • Rogers Sugar Corp (RSI): 30%

I’ve since then realized the massive brain fart I was having when writing this… it’s my RRSP! My goal this year within my RRSP is to increase diversification, particularly in US stocks.

I came up with a loose idea of what amounts $ I would like to inject (medium to long-term) into some core US positions:

  • New Residential (NRZ) : $7,000
  • Armanino Foods (AMNF) : $5,000
  • Pfizer (PFE) : $5,000
  • Apple (AAPL) : $5,000
  • Unilever (UL) : $10,000
  • Proctor & Gamble (PG) : $15,000

Obviously I will need a lot more than a year to complete these positions, but might as well get them started with my IME profits down the line.

So here’s the new plan for my RRSP/IME position:

  • 50% New Residential (NRZ)
  • 50% Armanino Foods (AMNF)

The reason for selecting these two is their attractive yields and the fact that in my opinion, AMNF represents a very interesting value play as well.

Total increase in annual dividends with new plan

  • 2-bagger situation: $305
  • 3-bagger situation: $457
  • 4-bagger situation: $610
Let’s dream a bit

(As if I haven’t been doing that already…)

Let’s say everything magically falls into place with 4-baggers occurring in both situations. This would mean an additional $1,609 in forward annual dividends, without having to contribute a single penny to my portfolios. What a sight. What about 5-baggers!??! Let’s not get too crazy now…

Let me know if you would do anything differently!

Am I over-planning?

-DI


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What a year 2017 was, and 2018 is starting off no different. I’ve decided to track my extra income every 2 months instead of monthly since the posts aren’t extremely eventful. Most of my income sources still don’t generate revenue on a regular basis. Plus, only 3 of them actually have to potential to really GENERATE revenue, these are my YouTube Channel, my Blog, and my Amazon Affiliate Links. The 2 others only return part of my spending to me in the form of Cash Back, through my MBNA Credit Card or Ebates.

With that said, let’s take a look at the last 2 months of 2017!

Cash Back:
  • November:
    • MBNA Rewards World Elite Mastercard: $100.00
    • Ebates.ca: $0.00
  • December:
    • MBNA Rewards World Elite Mastercard: $50.00
    • Ebates.ca: $0.00

MY CC has been putting out a pretty regular return. I’ve managed to get $343.00 in the 4 months that I’ve owned it, which is on track to roughly $1,000 yearly. Of course, this is bittersweet because the more I get, the more I spent… But I have to admit to being relatively disciplined recently, even with the Holiday season.

As for the Ebates return, I’ve only received one check so far. The reason being that they only pay quarterly. My Cash Back balance has been increasing progressively though. So far, the next check will give me $16.89. I did change the way I do things now, my wife and I order more household items on amazon.ca. Mostly things we don’t want to carry back from the store – either too large or heavy – and get it delivered right to our door for free. Things like shampoo, garbage bags, laundry detergent, paper towels, etc. That way, we can Triple Dip: Lower Amazon prices + Ebates + cash back from CC. Win win win. You can have a look at the different products I regularly order here.

Social Media Income:
  • November:
    • Youtube (Adsense) Revenue: $186.67
    • Amazon.com Affiliate Links: $0.00
    • Blog (Adwords) Revenue: $0.00
  • December:
    • Youtube (Adsense) Revenue: $186.13
    • Amazon.com Affiliate Links: $0.00
    • Blog (Adwords) Revenue: $0.00

My Youtube revenue is once again steady as a rock. God, I really have to make the time for more videos. You know how it is, holidays, laziness, business, etc. I really think this is something I could push a little more and potentially see the revenue get closer to $300. This channel is only 1-year-old ans has only been generating a revenue since April. I did manage to see a nice $1,643.85 in revenue in 2017. Sweet!   Channel

In terms of Affiliate Links, a very small amount of revenue was generate but I have yet to reach the threshold for another payment. Most likely a direct effect of my YouTube slacking. Ah well.

The Blog is showing continued signs of financial life. It has generated about $2 a month in the past 2 months but obviously hasn’t been returned to me because it hasn’t reached payment threshold. (NOTE: Making money from this blog is not a goal of mine) It’s costing me more than I will probably ever make with it, and that’s fine. The primary goal for this blog was to monitor my progress and publicly document my strategies in order to be held accountable and stop being impulsive. The net effect has been of the sorts:

  • Impulsive thought:  Man I should sell everything and buy a Lithium Mine penny stock and try to double my $$ in a short amount of time.
  • Blog Effect: How the hell could I logically back this up and explain this to other people? What would the comments on a post like that look like? How could I justify this as a smart move?
  • Sane action: Better be reasonable and if I’m going to do this intelligently I’d better take a small portion of my investments to try it, while keeping the rest safely tucked away in my trusted stocks. See My Evil Master Plan.

My young brain still gets a little crazy/impatient sometimes. With the Blog, I can dodge some bullets. That’s the real revenue I get from it.

Conclusion

Before 2017, my only source of revenue was my job.

So many things have happened this year – I’ve become a Blogger, YouTuber and… Twitter-er? Tweeter? Twit? – setting the stage for a very interesting 2018!

Thanks so much for reading my posts and for being a part of this adventure. I love reading your posts as well guys, this community is extremely resourceful and inspiring. Together we can contribute to each of our successes and push ourselves to strive for a better financial situation!

Cheers!!

-DI

Don’t forget to check out my latest Dividend UpdateYoutube Channel, Amazon Store and Twitter


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