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Wow. January went by like a flash.   Since we are both public accountants in the middle of our busy season, you sort of lose track of the hours and even days for that matter as you are glued to excel spreadsheets from dusk to dawn.  But you know what.  Despite the long hours, we still managed to find time for some Side Hustles!   The results weren’t as strong as December, that’s for sure. But as we always like to say, every extra dollar counts and makes a difference (especially in this current red market!).  Here’s the moment you’ve been waiting for, time to check out our January Side Hustle Report!

The side hustles

Ebates – We’re pretty sure most people are familiar with Ebates, the website that offers cash back and coupon codes for nearly all major online retailers and travel sites.  In addition,  each new user also can receive a free $10 gift card upon sign up (yes an affiliate plug), which is an added bonus.  The two of us always visit Ebates prior to making an online purchase to see if we can earn cash back by visiting the website through Ebates or using one of the listed coupon codes.  Heck, even when we travel for work, we will access the hotel’s website through Ebates first to earn a few extra dollars on the business trip. We really mean it…it is EASY money for a simple additional step in the online shopping experience that maybe adds 10 seconds to your transaction.  Here is our January summary for cash back earned from Ebates:

Lanny – $10.85 – Still churning out dollars, but not as much as last month..  I wasn’t able to screen shot my “profile” on 2/1, but here it is as of 2/11.  Most of my activity was from hotels and rentals cars (small benefit of traveling for work).  In total, I have received over $400, with the $10.85 posted last month and activity this month.  See below’s snip from their website:

Bert – $0 – I started the year off with a big dud.  A goose-egg.  Yes, I was shut-out.  Okay, I’m out of really bad sayings and analogies here.  But this month, with traveling nearly every week for busy season, there really wasn’t that much time to shop or think about purchasing anything I may need for a house.  It is okay though since I actually don’t mind a $0 month since it means I didn’t spend anything though!

Swagbucks –  One of our longest tenured side hustles.  Swagbucks is a website the provides gift card or cash rewards for performing activities on the website.  The activities include using their search engine, answering surveys, answering polls, watching videos, printing off coupons, shopping (similar to Ebates above), signing up for different offers, etc. Bottom line is that there are a ton of different ways for people to earn!   Here is our referral link if you would like to give it a try as well!  Here is how much each of us earned from Swagbucks:

Lanny – > 2,951 Swagbucks or $29.51 – The streak over $30 for the month ends at six in a row, as I was 49 swagbucks short, that’s what busy season does to you I guess.  I was only able to do one cash out during the month and I am almost cashed out in February.  The way I was able to monitor the total amount earned was take my end of previous month lifetime amount and subtract out my lifetime amount at end of month (found in the activity section of your account).  I am expecting February to be in the mid $20’s, given this is the busiest time for us public accountants.

Bert –  1,486 Swagbucks or $14.86 –  This amount fell off a cliff compared to the last two months.  Similarly though, with my busy season, I just haven’t had enough time to accumulate Swagbucks.  The one thing I like about their website is that you can earn rewards in the background throughout the day and the program is not too intrusive; But this month, as the madness began, I spent less time on the website.  Oh well, luckily, I was still able to cash out rewards and receive a $25 Paypal credit based on my remaining balance at the end of December.  I’ll take it as a small victory!

Ibotta – Ibotta is one of our favorite apps because it is so easy to use and barely adds any time to your routine shopping experience.  It is so easy to earn money that they even give you $5.00 just to sign up!  The app allows you to earn cash back from nearly every grocery store and an expanding list of online retailers (such as Jet.com, Target.com, and so on).   Before shopping, you scan the available rebates on thee app and see which items you are planning on buying.  Some example of rebates that may be available any given week are $0.25 for different fruits/vegetables, $1-$2 off of a certain body wash or shampoo, $1.00 for purchasing a certain type of coffee,  or $2-$3 back for purchasing beer or wine!

One of our favorite things about Ibotta is that the discounts don’t just apply to goods that are impossible to find or are very expensive.  There are always a few name brands to choose from! Ibotta makes it easy to redeem cash as well and the process takes less than a minute after you complete your purchase.  You simply scan the receipt, select the rebates that were purchased during that shopping trip, and then receive the credit within 24 hours.   If you would like to try the app, we included a referral link in the banner below our monthly summary and at the beginning of the paragraph.

Lanny – $2.75 – Sadly I am starting to realize, which may be a good thing, with travel for work – this reduces my iBotta (hopefully this means my groceries are reduces as well though!).  In total, I’ve earned over $190.00 in cash back from the app.  However, I highly URGE you to sign up. Yes, sadly we do get a referral kick back, but this is by far the EASIEST way to get cash back.  Further, the beer, wine categories make it fairly simply to rack up (usually $1.00 – $3.00 for a 6-pack and/or bottle of wine, eh, I’m Italian and Irish).  Additionally – supplements like vitamins are a bigger cash back piece as well.

Bert – $7.25 –  If it weren’t for my wife, I would not have earned a thing from Ibotta during the month.  I’m fortunate that she enjoys using this app, along with Cartwheel, while shopping for groceries so she can try and save as much money as possible.  It brings a smile to my face every time I get a notification from the app letting me know that my wife save X dollar shopping at X store.

Selling Household Items

Lanny – $0.00  – I have sold nothing, again, for the second month.  I plan on selling more after busy season.  Further, one should see 5 benefits of getting rid of “stuff”, I know I own too much crap in my life that is consuming space, time and resources.  In the end, the idea is that the items sold or donated will add value to someone else’s life, as that’s the purpose of owning something, to add value.

Bert – $12.00 –  At the end of December, as my wife and I were scouring out attic for donations to make before the end of the year, we decided to try out luck and list a few items on Facebook Marketplace.  Last month that netted us $36 in cold hard cash.  In January, we were able to finalize the sale of our old Crockpot for $12!  We received a new one as a wedding gift, and you don’t need two of them.  So we decided to list the other one, roll the dice, and see if someone was interested.  Luckily for us, some lady wanted to buy used rather than new.  Boom, $12 were in our pockets. Just like that!

Total Side Hustle Income in January: 

Lanny: $43.11, total of $633.69 since tracking on the blog!

Bert: $34.11, total of $456.00 since tracking on the blog!

Diplomats Side Hustle Total: $77.22, Cumulative Total of $1,089.69 since tracking on the blog!

The post The Diplomats’ January Side Hustle Report appeared first on Dividend Diplomats.

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My first purchase of the year.  With the market continuing the rollercoaster ride, seeing many red and many black days, I just had to make a move.  On February 12th, I made my first stock purchase of 2018.  As you read the title, this has been quite the favorite of Bert’s lately and it was time for me to add to my position.  The price was very sweet and difficult to pass up and I am very excited to write about the capital that was added.  Now let’s see what price and why I made this dividend stock purchase!

The Stock Purchase – Realty Income (O)

Realty Income (O) is a massive Real Estate Investment Trust.  I first purchased them many years ago (it could be even be back in 2013 or 2014) and they are well known as the “monthly dividend income player” in many dividend investors books.  At around $14B in market capitalization, they definitely aren’t a small player, by any means.  Further, they have increased their dividend for an incredible 19+ years, how could I not make this dividend stock purchase?  Additionally, Realty Income, in January, announced a dividend increase of 3%.  This is a very high dividend increase, for a REIT, as traditionally your dividend growth rates are low, since yields are much higher.  Realty Income has been a wonderful, monthly-dividend paying stock to own over the last few years.  At a close of $57.02 on December 29th, their stock slide to $48.25 at the time of my purchase or a 15.4% massive tumble.  Now that we know the price decline, what other metrics enticed me to make this stock purchase?

To start, the Adjusted Funds From Operations (AFFO) for the 9 months ended September 30, 2017 was $2.30.  When annualized for 12 months, this amount is $3.07.  Realty Income’s current dividend is $2.628.  This equates out to an 85% payout ratio, based on the AFFO.  The dividend yield at the price of purchase, which was $48.25, was 5.45%.  The dividend growth rate is around 5% per year, on average, over the last 3 years.  The AFFO ratio, based on the trade price, is 15.72, to which I declared this ratio similar to the price to earnings (p/e) ratio.  When I purchased HCP, I displayed O’s metrics back in December.  At that point, O had a ratio of well over 18 and seeing this in the 15 range, it was too hard to pass up, after a price decline of over 15%!  Therefore, capital was built up and deployed.

I am sure Bert is laughing extremely hard at this purchase, considering he has made this same stock purchase not once, not twice but a steaming three times over the last few weeks.  Pumped for him and I am sure he is pumped for me.  Due to the high yield that O brings to the table, as well as the tax structure related to their dividends, this purchase was made in my Roth IRA for a 2017 contribution (Remember everyone, you have time still to contribute to your IRA prior to filing your taxes before April 15th this year!).

Proof of my purchase here:

I made a stock purchase of $1,985.20 at $48.25 per share for a total of 41 shares, with a $6.95 trading fee (0.35% trading cost).  This added $107.75 to my forward dividend income.  I now have over 118 shares with this stock purchase of Realty Income (O), which pumps out over $313 in dividends per year.  Currently, each month (starting in March) will allow me to receive over $26 and, at current prices, will pick up a share every two months.  Happy that I was able to add to this monthly dividend player and bolster their current position in my portfolio!

REalty income (o) stock purchase summary & conclusion

After buying HCP in December and now O in my Roth, these are two great/high yielding REITs.  The add to my forward dividend income will be extremely appreciated.  I will begin to feel the dividend impact beginning in March of 2018, so only a little bit of time away.  Then, I am anticipating further, but smaller, dividend increases each quarter going forward.

I know this stock has been a hot one to purchase, especially during the slight correction we had.  It was between the utility companies or the REITs.  What did you end up purchasing?  Make any moves that we would not expect as a community?  Please share your thoughts below, would love to read them.  As always, I appreciate the feedback and insight you have on this investment decision!  Thank you again, everyone, good luck and happy investing!

-Lanny

The post Lanny’s Recent Stock Purchase – Realty Income (O) appeared first on Dividend Diplomats.

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The market continued to slide the first few weeks of February.  Dividend Aristocrats and other great dividend stocks continued to fall to levels I haven’t seen in a while.  Lanny and I were having multiple discussions each day about which stocks are looking great and where to potentially focus our attention.  Look how strong some of the names are that were on his January dividend stock watch list.  Well, there is one stock that has continued to catch my eye as the price continues to decline.  I’ve purchased the stock twice already in 2018 and I could not resist when their price fell below the half-century mark.  Here is why I bought Realty Income (O) for the third time in 2018!

After my second January purchase of Realty Income, I owned 70 shares of Realty Income.   I was excited.  This purchase was made at the sweet price of $54.14, which was over $.80/share cheaper than my first purchase.   However, I quickly realized that I probably should have waited a few more days to make this purchase, because Realty Income’s price continued to fall.  $53…..$52….$51.  In my mind, there was NO WAY the company’s stock price was going to drop below $50/share.  I told Lanny that I would continue to add if it hit this limit.

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Then, it happened, Realty Income’s stock price fell below $50/share.  I immediately transferred money to my Roth IRA.  $1,000 in fact.   I had a free trade credit to my name, so as soon as the funds arrived, I made my purchased.  Last week, I was able to add ANOTHER 20 shares of Realty Income at $49.50 per share., adding $52.56 in forward dividend income to my portfolio.  After this purchase, I now own 90.1082 shares of the Monthly Dividend Company, producing $236.80 in forward dividend income.  What’s cool is that I would be able to add almost five new shares via dividend re-investment each year at the current market prices.  That is a heck of a lot of shares and will only help accelerate the growth in my forward dividend income.

Why have I continued to purchase share of Realty Income?  I am huge fan of the diversification of the company’s real estate portfolio.  This is in terms of both the types of properties they own and the industries that their tenants operate in. Plus, the company is on the verge of becoming a Dividend Aristocrat.  It is a great company and one that I had always wanted to increase my position in.  Well, the slump to start 2018 has presented me with a great opportunity to do just that.   For more details about why I like Realty Income, check out my first purchase article from January, where I provided a little more detail than this brief paragraph.  Since I’ve detailed this once in the last 30 days, I didn’t want to do it again and bore everyone!

Entering the year, I targeted increasing this stake to $5,000.  With this third purchase, I am closing in on this total.  So for now, I may look elsewhere and focus on increasing other positions in my portfolio. Or heck, I may even initiate a new position of the right opportunity presents itself.  Lanny has been talking to me about several great stocks that I do not own that continue to fall, so they are on my radar.   You will hopefully see some of these names on my next watch list, which I am expecting to release at the end of the month.   But for now, I couldn’t be happier that my stake in Realty Income is finally over 90 shares!  I cannot wait to receive that first monthly dividend in March that reflects my full position.

What are your thoughts about my purchase?  Have you added to Realty Income?  Especially once the price fell below $50/share?  Or have you purchased other great companies like PG, ADM, or the other great names on Lanny’s recent watch list?

Bert

The post Recent Buy – Realty Income (O) X 3 appeared first on Dividend Diplomats.

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Wow.  Here we are again everyone.  The first month of the year has come to a close.  31 days have flown by and another month of dividend income has been received.  As a CPA, this month has worn me down, to say the least.  Thank the Lord that dividend income continues to fuel the portfolio to new heights and continues to march on when I am struggling for time, research and spending time with loved ones.  January was a great start for dividend income and I am proud to present the results to the community.

Dividend Income

I received a total of $417.68  in dividend income during January.  This is a solid increase from last year, which I will talk about in the next section.  There were really no surprises, no movements of dividend expected payments as it relates to timing and everything went smooth.  The 401(k), Health Savings Account (HSA) and all dividends are automatically invested/reinvested and helps take the emotion out of timing & making a decision.  Also, to find out why I max out my 401(k) and HSA – please refer to the 3rd part of my tax series, as that describes the magnitude of benefits to increase the amount you can invest due to reduction in taxes.

There were 11 entities making payments my way this month.  Honestly, this is consistent with last month, sticking with the trend of consistency and expectations.  Only real differences are the payments just keep getting bigger, which has been a joy to see.  The one different/split out is Cisco (CSCO) paid this year and Dow Chem, due to acquisition (DWDP), pays on a different date, which was expected based on their last payment.

Similarly, I have split out the taxable and the retirement accounts, as the ” – R” indicates a retirement account dividend (or the furthest column to the right).  I separated these two, as I like to know what portion of my dividend income is coming from retirement accounts that I cannot touch until 59.5 (barring any other usage rule I could use).  Here, it shows that I received a solid total of $37.19 (up from $33.50 last year primarily due to dividend reinvestment & dividend increases)  or 8.9% of my income from retirement accounts and the other 91.1% was from my individual taxable account portfolio.  Additionally, this shows from retirement accounts that I’m all ready for my set it and forget it mentality to keep that income going.  To see my portfolio – one can go to our portfolio summary page.

dividend income year over year comparison

2017:

2018:

So what are the differences here?  As I stated above, Cisco (CSCO) is new this month versus last year’s January.  I ended up purchasing shares in Cisco two times, which is starting to already pay off.  Year over year, the dividend income increase was 9.39%!  This is better than last year, due to a lot of payment date changes, growth of 1%.  If I keep up the same pace, we are looking at over $456 next year!

dividend increases

We all know by now, the power of the dividend growth rate is real!  Let’s just say tax reform has been nice thus far, as it relates to dividend increases.  Every single increase above had exceeded my expectations, beyond belief.  I thought that there would be great growth rates, but this is knocking it out of the park in month one.  Intel (INTC) continues to surprise me with their results, in a difficult, competitive and potentially shrinking market, but yet, their performance allowed this result to occur.  Secondly, Aflac (AFL) came out of left field with this jolt to the portfolio.  This was very surprising, specially after their October increase was in the lower, single digits and this is not their typical month of increase.  Then, Visa (V) also announced an unexpected 7.7% dividend increase, I will take it!  Lastly, Norfolk (NSC) completely tore the cover off the ball this month with their 18% increase.  In order to achieve this much forward income, one would have to invest $2,368 at 3.50%!  Thanks for the dividend increases!

dividend income conclusion & Summary

The name of the game is to learn and act in the right manner to what you have learned.  The plan is to maximize every dollar for investment opportunities and live a balanced life.  My hope is that my month of dividend income above shows the community that one can use dividend income as a revenue engine to take back control of your life.  Dividend investing, once you learn the right way, becomes easier to do and starts to make quite a bit of sense : )

As I discussed with my updated – normal monthly expenditures at the moment, this dividend income would cover over 42% of my average $984 monthly expense for my house, including utilities.  Almost covering half of the amount, I will get there soon.  In addition, my auto loan is finally gone and I am able to deploy the additional capital for all of 2018 into new investments that are opportunistic.  In similar fashion –  all of the investing from last year and moves this year, shows that my aim to save 60% of my income, and making every dollar count, has allowed promising results already this year.

I know the first month always needs a clean start, to be on the right foot, make the right decisions and plant seeds for future blossoms.  I am satisfied with the results, but since I am not financially free – the work is not even close to being over yet.  How did you do?  Killing it the first month of the year?  Only 11/12 months to go, make it count everyone!  Excited to read the comments below and thank you, the community, for stopping by; as you are helping me on my journey to financial freedom!

-Lanny

The post Lanny’s January Dividend Income Summary appeared first on Dividend Diplomats.

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The Tax Reform has been etched in stone and the dust has, for the most part, settled.  I wanted to teach/describe to the reader/ to readers that there are still advantages to the tax-advantaged accounts in 2018, even if we are in slightly lower rates, with a few other minor things to think about.  Therefore, this article will go into detail on the pre-tax 401(k), Traditional IRA and the Health Savings Account, in relation to the Tax Reform and how it can still open up more cash to invest.  I will have a few tid bits at the end, to think about, as well.

Tax advantaged Account & Impact from tax reform

1.) Pre-Tax 401(k): Let’s start off with the largest area that can serve you on a pre-tax basis.  We will begin with the 22% tax bracket, as my previous kicking Uncle Sam’s ass articles had the 25% bracket as an example (22% is now the equivalent bracket).  Congratulations!  The government has INCREASED what you can contribute by $500, or $18,500 in 2018.  This represents a 2.77% increase to what you can contribute pre-tax.  I am still planning on maxing out this bad boy.  Why?  Well, in 2017, the $18,000 pre-tax at 25% federal rate was a savings of $4,500.  This year, $18,500 at a 22% federal tax bracket equates to $4,070 in savings.  Therefore, the increase in 401(k) contributions slightly offsets the 3% decline in federal rates.  However, still does not equate the tax savings one experienced in 2017.  This obviously is not addressing any state tax savings, which still stands.

2.) Health Savings Account (HSA): My favorite of them all!  Self-Only HSAs stand at $3,450, up from $3,400 last year (Family is $6,900).  Similarly, last year’s $3,400 at a 25% federal tax rate would have saved you $850 in federal tax and this year, the $3,450 can net you $759 in federal tax savings.  A drop, yes, but similar to above – slightly is offset by the increase in what you can contribute.  Cumulative with #2 above, we are at a $4,829 federal tax savings; not including the FICA and state tax savings one receives from the HSA.

3.) Traditional IRA: If you fall under the maximum phase out limits, your maximum (under 50) contribution is $5,500, again, for the year.  This was a little disheartening, as this represents the 6th year in a row that $5,500 is the maximum, especially with a reduction of the tax rate.  I would have thought, for sure, this would have increased to $6,000.  However, if you are still lucky to invest in the traditional or pre-tax IRA, this can save you $1,210 in federal tax at 22%.  The cumulative amount saved with #1 and #2 above equate to $6,039 in federal tax savings.

In comparison, last year (at last year limits) would have netted you $6,725.  This is DEFINITELY a steep drop in federal tax savings in 2018, when compared to 2017, if you plan on fully maxing out these tax-advantaged accounts.

Bonus Tax reform Tid Bits to Ponder

I will bullet out a list of other tax beneficial items to think about, as it relates to the 2018 year and Tax Reform:

  • With a reduction of tax rates and an increase in deposit savings account interest rates – the “margin” is getting slightly smaller; as now – your taxable interest is taxed at these lower federal rates, i.e. 22% vs. 25%.  This is something to keep in mind and also to be on the lookout for savings account interest rates to be over 1.50%, and luckily, mine is at 1.55%!
  • The phase out limits for the Traditional IRA did increase for single and married filing jointly.  In 2017, they were $72,000 and $119,000 for single & married filing jointly individuals.  In 2018, they increased to $73,000 and $121,000 or a 1.4% and 1.7% increase for those filing single or married filing jointly.  This isn’t too steep of an increase, but if your pay did not go up from prior year (not as likely) and you weren’t able to contribute as much – you may be in luck this year.
  • For those of you who did not have children, were married and did NOT itemize or itemize a significant amount, a nice treat came your way.  If the reform didn’t occur, 2018 would have brought you two exemptions at $9,300 total and $13,000 in standard deductions, for a total of $22,300.  Now, the government’s is making it straight to the point at $24,000 or an increase of $1,700 for you.  I will say, for those of you that benefit from this, congratulations.  There are many that do not, however.
  • The dividend tax rates stay the same, albeit, but shifted to the new bracket mentality.  What does this mean?  You pay 0% tax on qualified dividends if you are essentially in the 10%/20% tax brackets.  You will pay 15% tax if you are in the 22%/24%/32% brackets, or up to $425,800.  Anything above that, you are paying 20% (not including the 3.8% net investment income tax).

Those were just a few tax items I wanted to share with the community.  Even though there is a reduction in the federal tax rate, I still believe and will be maxing out my pre-taxed accounts as much as I am able to.  Until the tax rate gets even lower or they do away with certain type of pre-tax accounts, I will keep the investment churning that direction.  The one thing the tax reform has taught me is that there is nothing that is forbidden from change.  There were even rumblings and rumors that they would limit the pre-tax 401(k) contributions up to $2,000.  That would have been a game changer for me, easily.

I hope that you have benefited from these details above.  I will try to write more on related tax topics that relate to what we are doing on an every day basis.  I hope that we keep investing wisely, take these tax updates into consideration and keep striving for financial freedom.  That’s still the goal and it will take more than tax reform to change that!  Please leave questions and comments, thank you for stopping by and talk soon!

-Lanny

The post Tax Reform and Tax-Advantaged Savings Accounts appeared first on Dividend Diplomats.

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The calendar has turned and we are off to the races in 2018.  It has busy month and our busy season has been intense.  But that hasn’t stopped us from closely monitoring our portfolios and the excitement that is happening in the stock market.   We all finished December strong and as a community 39 of us were able to receive of $30,000 of dividend income.  It was a record-setting month for a lot of us, including myself.  And now that 2018 has started, it is time to keep the momentum going.  With one month down, I thought it would be as good as a time as ever to publish my first dividend income summary of 2018.  Time to check out my January dividend income summary!

January Dividend income summary

In January, my wife and I received $139.02 in dividend income.   This was a 8.77% increase compared to last year!  Not a bad way to start 2018, eh?  The chart below contains a detailed listing of the companies that paid me (or not) a dividend during January.

This wasn’t too exciting of a month in terms of dividend income received.   In fact, I did not receive any dividends from new companies.  That being said, I managed to add to two of my positions in the last month that caused the dividends received from those companies to increase dramatically.  I took advantage of CAH’s slump in 2017 and lowered the cost basis in my investment and I was able to add to my position in CM when the metrics were just right.  Now I am a huge fan of the larger positions that are producing solid dividend income payments.  The one “negative” during the month is that the newly merged DWDP changed the month they pay their dividend after consolidating the companies.  Oh well, it is just a timing difference. So I will receive a nice benefit in the comings months!

January portfolio news and dividend increases

This month, I wanted to try something new.  I created two charts to provide you all with the major updates/happenings of my portfolio during January.  The first table will show the dividend increases I received in January and the second will summarize changes in my portfolio, including buys, sells, 401k, and HSA contributions.  January was a great month for dividend increases, so I cannot wait to share with you the impact the announcements had on my forward dividend income!

I received 5 dividend increases in January and as I mentioned in my last post, January was just an INSANE month for dividend increases.   In fact, I was only expecting to receive one dividend increase during the month (ED).  The other four were surprises and Lanny and I had some pretty darn exciting phone calls sharing the news with each other.  I received a lot of texts saying “Call me ASAP” with exclamation marks.  Yes, it was that important to find out that NSC increased their dividend for the first time in several years.

The chart above shows the power of dividend investing and the impact that dividend increases have on your forward dividend income.  I did nothing to earn an additional $39.86 in annual dividend income.  I didn’t lift a finger.   Of the five increases, two of them were pretty large and were well over 10%.  Again, I’m STILL shocked that NSC announced an 18.3% increase.  This also has me very optimistic about the prospect of receiving other dividend increases in 2018.  January was a crazy month, so I cannot wait to see what the other 11 months have in store for all of us in the community.

The first table showed how I was able to add almost $40 to my forward income by dividend increases alone.  This table, on the other hand, shows the additional dividend income I have received from purchases and contributions to my retirement plans.  This month, I was able to add $123.89 in dividend income from my two purchases of Realty Income and 401k/HSA contributions.

I recently wrote about how my wife and I are maximizing our 401k contributions in the coming year.  This is the first month where my increased 401k contributions were received and as you can see, it added a TON of forward income to my portfolio.  My wife is starting a new job in the coming weeks, so I plan on adjusting her contributions as well once her new plan kicks in.   But as you can see, the impact of this strategy is already showing strong results.   I cannot wait to see the impact this has over the rest of the year and the large dividends/distributions I expect to receive from my Vanguard funds each quarter.  We also received our employer’s contribution to our HSA, which contributed to a larger than usual contribution.

What’s crazy, in total,  my dividend income increased  $163.75 this month from these purchases, dividend increases, and contributions.  Now that is what I am talking

Summary

All and all, I don’t think I could not have asked for a better start to the year.  I posted solid results compared to last year and I added a healthy chunk to my forward dividend income.  Hopefully this is setting me up for a strong 2018 and the dividend increases continue for the remainder of 2018.  Now, more than ever, I’m going to side hustle and do whatever I can to earn every extra dollar so I can continue to invest and push my dividend income forward.

How did you perform this month?  What was your growth rate compared to last year?  Did you buy any stocks?  If so, how much did you add to your forward income?

Bert

The post Bert’s January Dividend Income Summary appeared first on Dividend Diplomats.

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What a month it has been for dividend increases!  Each month, I highlight the companies that are expected to announce a dividend increase in the coming month.  For the first time, I am speechless.   In January, I highlighted three companies that were expected to increase their dividend in the coming month.  But man was I blown out of the water with all of the dividend increases that were announced.  February will have some tough shoes to follow!  Enough talk, let’s dive right in and summarize the companies that increased their dividend in January and which companies are expected to announce a dividend increase in February.

Actual Dividend Increases in January

I mentioned this was an exciting month of dividend increases.  I am going to do my best to summarize the increases from the past month; however, if I miss one, please let me know and tell me about the increase in the comments section of the article!

  • Consolidated Edison (ED) –  One of our favorite foundation dividend stocks.  Luckily for me, I am a shareholder of the electric utility while Lanny jealously watches from the sidelines.  Well, this month, ED announced a 3.62% increase in their quarterly dividend.  The increase may not seem like a lot, but it was higher than their five-year average dividend growth rate entering January.
  • Kimberly-Clark Corp (KMB) –  The consumer staple, munch like ED, announced a 3% increase in their quarterly dividend in January.  But unlike ED, this was beloe their five-year average growth rate entering this month.  I’m a little surprised this amount wasn’t larger given some of the other dividend increases announced this month.
  • Air Products and Chemicals, Inc (APD) –  Here we go, now this is what we are talking about.  APD announced a 15.8% increase in their quarterly dividend this month.   This is great for a company that has a yield in the low 2% range.   This was just the start of a trend of companies that announced a double-digit dividend increase here in January.
  • Bonus Company #1:  Intel Corporation (INTC)  – After a long twelve-hour day at work, Lanny and I decided to head home tired and exhausted.  Then, I received this phone call from him and he could barely hold back his excitement.  He said (yes this is the PG-13 version) “Holy cow Bert, you’ll never believe this.  Intel just announced a 10% increase in their quarterly dividend.”  This is great news for all of their shareholders.  The best part was, this was just one of many similar conversations that occurred in January.
  • Bonus Company #2: Norfolk-Southern Corp (NSC) – If I thought Lanny was excited to tell me about a 10% increase in INTC’s quarterly dividend, you should have heard the excitement in his voice when he called to tell me that Norfolk-Southern announced a 18% increase in their quarterly dividend.  It has been several years since NSC increased their quarterly dividend.  Lanny and I had suspected they were going to announce a dividend increase at some point in 2017 after the stock’s strong performance in January.  But still, the size of the increase and the timing of the announcement caught both of us off guard!  Man was this increase exciting.
  • Bonus Company #3: 3M Corp (MMM) – MMM typically announces their dividend increase in February. So I was a little surprised to read about their dividend increase a few weeks early in January.  Still though, I came close to doing a few back flips when I realized MMM announced a 15.7% increase in their quarterly dividend.  This has been one of my favorite stocks to own and the company continues their streak of double-digit percent increases in their dividend.
  • Bonus Company #4: Realty Income (O) – Man I have written a lot about Realty Income in January, which makes sense given the fact that I purchased the company twice in January!  Realty Income provided me with my first dividend increase in 2018 when the company announced a 3% increase in their monthly dividend.  Man do I love owning this company and I am very excited to now own over 70 shares after both purchases.  However, I am expecting this to be the first of several small dividend increases by this REIT!
  • Bonus Company #5: Citizens and Northern Corp (CZNC) – Boom! Lanny and I have pretty substantial positions in this community bank stock.  Once again, we were both surprised and excited to receive a dividend increase from CZNC during the month.  CZNC last increased their dividend in January 2014, so this increase was over four years in the making!  Interestingly, this seemed to be a trend in the banking industry as there were a ton of other community banks that increased their dividend  this month.
  • Bonus Company #6: Diageo Corp (DEO) – Last, but not least, Diageo.  The beverages giant announced a 5% increase in their interim dividend.  And you guessed it, Lanny and I both own shares of this company as well!

Expected Dividend Increases in February 2018

Phew – are you all as exhausted from the dividend increases as we are?  OF COURSE NOT!  This was an exciting month to be a dividend growth investor and hopefully this is going to set the table for a record-setting 2018.  Unfortunately, this list will be one stock shorter than usual since MMM decided to increase their dividend in January.  Now, let’s see which companies are expected to announce a dividend increase here in February!  Oh yeah, by the way, this list may be just as long as January’s.

  • Archer-Daniels Midland (ADM) – ADM has made several appearances on my dividend stock watch lists towards the end of 2017.  This Dividend Aristocrat has announced a $.02/share increase in their quarterly dividend for the last two years.  I wonder if ADM will continue this trend or will shock us with a larger dividend increase.
  • Coca-Cola Co. (KO) –  The classic, iconic beverage company is set to increase their dividend this coming month.   Just like ADM, the company has increased their quarterly dividend by $.02/share over the last two years and has essential stuck to that pattern for the last five years.   The company’s payout ratio is higher than the 60% threshold we use in our stock screener and barring strong earnings growth, I’ll be very interested to see the percent increase that KO announces.
  • Genuine Parts Company (GPC) – Man oh man is this list getting pretty long.  GPC is yet another Dividend Aristocrat that is set to increase their dividend in the coming month.  GPC’s five-year average dividend growth rate is 6.42% and the company has been on a tear to start 2018.  Much like MMM, INTC, and NSC, I am predicting that GPC has a double-digit increase in their quarterly dividend coming.  Let’s see if my gut feeling is right.
  • T. Rowe Price Group (TROW) – Lanny and I established large positions in the debt-free, Dividend Aristocrat several years ago and the company has performed extremely well since our purchase.  TROW announced a 5.5% increase in their quarterly dividend last year and similar to GPC, I have a hunch the company will announce a much larger dividend increase this year.  With an increase, this will mark the 32nd consecutive year that TROW has increased their quarterly dividend!
  • Walmart (WMT) – The grand finale…..Walmart.  Each February, WMT announces their four quarterly dividend payments for the coming year.  Since 2014, the company has increased their quarterly dividend by only $.01/share.  But this has been an exciting year for WMT in their quest to battle Amazon.

Wow.  February looks like it is going to be another exciting month for dividend investors.  All, I hope you are as excited and motivated to invest in dividend stocks after reading about these dividend increases.  I know that the two of us are going to keep on side-hustling and scraping EVERY DOLLAR we can to continue investing and pushing our forward dividend income forward!  Let’s make 2018 special!

What dividend increases did you receive this month?  Which companies are you expecting to announce an increase in February?  Do you own any of the companies on this list?  Please, let me know if I missed a company here!

-Bert

The post Expected Dividend Increases in February 2018 appeared first on Dividend Diplomats.

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2018 is off to a roaring start. The stock market continues to rise and companies are announcing dividend increases and share buyback programs left and right.  Dividend investors everywhere are feeling a nice jolt, that’s for sure.  Outside of dividend increases, January has been a busy month for me.  It has been a long, long time since I have done this.  But last week, I purchased Realty Income (O) for the second time in January.

In my last purchase article, I provided detail about my purchase and ultimately why I purchased shares in Realty Income (O) the first time.  So I will not bore you all with the details again.  However, to quickly summarize, I am a huge fan of O’s diversification of properties, geography, and tenants.  Further, the company’s dividend history is great and The Monthly Dividend Company is on the verge of becoming a Aristocrat.  On top of it, the company just announced a 3% dividend increase and their last earnings report was pretty darn solid.  Honestly, there is a lot to like about the REIT.

In my last article, I also mentioned that I am trying to expand the positions I currently own in my portfolio.   Rather than using small sums of capital to initiate a new position, I am going to use small capital purchases to grow my current positions, increase the dividend I receive from each company, and ultimately, the dividend re-investment.   O was my #1 target for this strategy as I entered 2018 only owning 42 shares of O.  That definitely has changed!

There was one other factor that influenced my purchase.  My last purchase consisted of 18 shares at $54.96 per share.  And guess what, the price immediately fell after my purchase.  While I wasn’t able to transfer funds into my Roth IRA in time to catch the stock while their price was in the high $52 per share and mid $53 per share range, I was able to capture additional shares at a lower price.

This week, I was able to add 10 more shares of Realty Income (O) at $54.14 per share!  This purchase added $26.28 to my forward dividend income.  Now, I own 70.1082 shares of The Monthly Dividend Company, which produces $146.40 in dividend income.   What’s cool is that I should add ~.67 shares of Realty Income each quarter!   The best part is that this may not be my last purchase if the price continues to fall.   But now, I am thrilled with my purchase and the position I am slowly amassing.

What are your thoughts about my second purchase of Realty Income?  Would you have purchased Realty or a different company?  What stocks are on your watch list here in the next couple of weeks?

Bert

The post Recent Buy – Realty Income (O)…Again appeared first on Dividend Diplomats.

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The final month of the 2017 year for the Dividend Diplomat Side Hustle Report!  This marks our 7th post on the topic and all have been very consistent with what we write about.  The two of us haven’t had a nice “Board” meeting, where we strategize upcoming themes and articles for the new year, quite yet.  Yes, these board meetings incorporate lots of coffee and pizza, with endless dividend stock discussion.  Our meetup hasn’t occurred due to both of us going through a heft busy season, where the limited “free” time is usually transferred to sleeping.  However, not to go down a never ending hole about the struggles of busy season, let’s crab a fresh cup of coffee and read our FINAL 2017 Dividend Diplomat side hustle report!

The side hustles

Ebates – We’re pretty sure most people are familiar with Ebates, the website that offers cash back and coupon codes for nearly all major online retailers and travel sites.  With Black Friday, Cyber Monday, and holiday shopping in full swing right now, the Ebates cash back bonuses have been great!  In addition,  each new user also can receive a free $10 gift card upon sign up (yes an affiliate plug), which is an added bonus.  The two of us always visit Ebates prior to making an online purchase to see if we can earn cash back by visiting the website through Ebates or using one of the listed coupon codes.  It is EASY money for a simple additional step in the online shopping experience that maybe adds 10 seconds to your transaction.  Here is our November summary for cash back earned from Ebates:

Lanny – $21.40 – This area has come roaring back pretty heavily, cannot complain at all.  I wasn’t able to screen shot my “profile” on 1/1, but here it is as of 1/21, which we recall – November’s end month was at $376.64.  Most of my activity was from hotels and rentals cars (small benefit of traveling for work).  In total, I have received over $400, with the $21.40 posted last month and activity this month.  See below’s snip from their website:Bert – $7.38 – Why not purchase your wife’s Christmas present online and receive cash back from Ebates?  Now here is the controversial part in the eyes of some.  I purchased the gift on Groupon and Ebates had some killer cash back promotions for all Groupon purchases.   Some people may think it is cheesy buying a gift on Groupon, but hey, when my wife’s favorite salon is offering a great deal on a massage/facial package, how can I turn that opportunity down?  That’s about as close of a slam dunk gift as you are going to get!  So I only made one purchase this month and was able to receive a ton of cash back from the purchase.  Swagbucks –  One of our longest tenured side hustles. For those of you that are not familiar with Swagbucks, it is a website the provides gift card or cash rewards for performing activities on the website.  The activities include using their search engine, answering surveys, answering polls, watching videos, printing off coupons, shopping (similar to Ebates above), signing up for different offers, etc. Bottom line is that there are a ton of different ways for people to earn!   Here is our referral link if you would like to give it a try as well!  Here is how much each of us earned from Swagbucks:

Lanny – > 3,942 Swagbucks or $39.42 – I was excited to know I kept the trend of over $30 per month alive through this side hustle.  This marks my 6th month in a row over $30, finishing at $39.42.  I was only able to do one cash out during the month, but have already been fairly busy in January.  The way I was able to monitor the total amount earned was take my end of previous month lifetime amount and subtract out my lifetime amount at end of month (found in the activity section of your account).  This number is slightly less, as I forgot to capture the last day’s lifetime total, but was only a few days that I didn’t have updated, that will be reflected in January’s.

Bert –  4,438 Swagbucks or $44.38-  Much like my dividend income totals in December, this was a RECORD setting month in terms of Swagbucks received.   I was able to cash out and receive on $25 Paypal  credit in the middle of the month and was on the doorstep of receiving a second $25 credit.  I should easily hit that mark soon in January! Why was I so successful this month?  Well, each day I focused on hitting my daily Swagbuck goal.  Then, on top of it, I was fortunate enough to have a large variety of opportunities to earn rewards.  There were a ton of great videos and high dollar surveys available for me to complete in December.  One thing led to another and BOOM, you have a Swagbuck record!

Ibotta – Ibotta is one of our favorite apps because it is so easy to use.  It is so easy to earn money that they even give you $5.00 just to sign up!  The app allows you to earn cash back from nearly every grocery store and an expanding list of online retailers (such as Jet.com, Target.com, and so on).   Before shopping, you scan the available rebates on thee app and see which items you are planning on buying.  Some example of rebates that may be available any given week are $0.25 for different fruits/vegetables, $1-$2 off of a certain body wash or shampoo, $1.00 for purchasing a certain type of coffee, $2-$3 back for purchasing beer or wine, or our favorite, $5 off of a plant-based protein shake powder!

One of our favorite things about Ibotta is that the discounts don’t just apply to goods that are impossible to find or are very expensive.  There are always a few name brands to choose from! Ibotta makes it easy to redeem cash as well and the process takes less than a minute after you complete your purchase.  You simply scan the receipt, select the rebates that were purchased during that shopping trip, and then receive the credit within 24 hours.   If you would like to try the app, we included a referral link in the banner below our monthly summary and at the beginning of the paragraph.

Lanny – $2.75 – Sadly I am starting to realize, which may be a good thing, with travel for work – this reduces my iBotta (hopefully this means my groceries are reduces as well though!).  In total, I’ve earned over $188.00 in cash back from the app.  However, I highly URGE you to sign up. Yes, sadly we do get a referral kick back, but this is by far the EASIEST way to get cash back.  Further, the beer, wine categories make it fairly simply to rack up (usually $1.00 – $3.00 for a 6-pack and/or bottle of wine, eh, I’m Italian and Irish).  Additionally – supplements like vitamins are a bigger cash back piece as well.

Bert – $24.50 –  After a slow November (where I only received $.50 Ibotta), I came roaring back in December.  Unfortunately, if you have a high Ibotta reward total, that means that you spent some of your hard earned dollars at the store.  But with the holidays and what felt like a party or gathering with friends every other day, spending on food, wine, and beer was inevitable.  So if I was going to spend money regardless, I might as well try to earn some cash back on some delicious craft brews, right?  Ibotta featured beers such as Fat Tire Amber Ale, Peronis, and the classic, Bud Light.  All of which I purchased at some point in the month of December.  Plus, my wife was pretty successful at maximizing her Ibotta cash back while doing our regular weekly grocery shopping.  Heck, grocery shopping hasn’t been the same since Lanny introduced me to this cash back app!

Selling Household Items

Lanny – $0.00  – After a roaring November, I was weak in this category and never even listed anything.  That’s okay, as the year of 2018 has me building out the list of eBay items and I’m excited for it.  Further, one should see 5 benefits of getting rid of “stuff”, I know I own too much crap in my life that is consuming space, time and resources.  In the end, the idea is that the items sold or donated will add value to someone else’s life, as that’s the purpose of owning something, to add value.

Bert – $36.00 – This was a fun month.  First, I sold two items for $.99 each on Ebay.  After the fees and shipping, I netted, wait for it, $1.00 from the two sales.  The amount is trivial and I was hoping that the buyers would leave me feedback so I can boost my sellers profile; however, that never happened.  So in the end, it probably wasn’t worth my time for $1.   But the sales did not stop there!  My wife and I were cleaning out the attic in December trying to donate everything we could since we were itemizing our deductions in 2017.   We found a few pieces of artwork that we listed on Facebook Marketplace.  Within 2 hours, we sold both pieces for a combined $35!  We have more items listed on Marketplace and a few sales pending, so hopefully this number will be consistently higher for the next several months.

Total Side Hustle Income in November: 

Lanny: $63.57, total of $590.58 since tracking on the blog!

Bert: $112.56, total of $421.89 since tracking on the blog!

Diplomats Side Hustle Total: $176.13, Cumulative Total of $1,012.47 since tracking on the blog!

The post The Diplomats’ December Side Hustle Report appeared first on Dividend Diplomats.

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Fresh off of a record-setting December in terms of dividend income, I’m ready to hit the ground running in 2018 and make some serious moves.  Now that we are comfortably moved into our house and our cash outflows to make repairs and upgrades are shrinking drastically, we should have a lot of additional cash flow available for use in 2018.   After brainstorming what the most efficient use of the capital would be, I realized there is an easy change that I need to make with my finances.   Like Lanny over the past few years, my wife and I are finally taking the steps necessary to maximize our 401k contributions during the year!

Why Am I making the change?

This isn’t a new topic on this website.  In fact, Lanny did the heavy lifting for me during his intense three-part series where he wrote about how he was planning on reducing his tax  expense going forward.  In this article, he laid out the case for maximizing your Traditional 401k contributions. However, due to the cash requirements of purchasing a house, I decided not to maximize my contributions during 2017.  Instead, I opted to have more cash on hand in case a surprise popped up.  I contributed approximately $7,500 of my own capital to my traditional 401k plan, which was  ~$10,500 less than the limit.   Ultimately, I was fine with this approach based on my circumstances in the year.  Plus, since I love investing, I invested every extra dollar I could in my brokerage account anyway.  So just because I fell $10,500 below the threshold, it doesn’t mean I didn’t invest the extra cash!

But that is all changing in 2018.  Finally, I am kicking myself in the butt and making the changes necessary to maximize our Traditional 401k adjustments.  Two things hit me in December that really influenced this decision.  First, I thought to myself, why the heck not?  Why shouldn’t I just go for it?  If I am looking to minimize my tax footprint and grow my investment portfolio as fast as possible, this is a GREAT opportunity to do so.  I re-read Lanny’s article where he discussed this strategy, along with the eventual Roth Conversion Ladder, and it just made too much sense to me.  Here is MadFeintist’s article about the Conversion Ladder if you are looking for an excellent summary about the strategy.  Finally, after Lanny telling me about this for over two years, I am all in on this strategy!

Second,  as Lanny and I were fumbling to pre-pay our 2017 property taxes that were set to be paid in 2018 in order to maximize our 2017 itemized deductions (post tax reform signing), I had the realization that I need to maximize every tax benefit that is available to me when I can.   Tax laws can change with a snap of the fingers.  Tax breaks I was hoping to realize in the future can suddenly disappear.  For example,  we all know that prior to the tax law, owning a home had many tax benefits as you would instantly itemize based on interest paid, taxes, etc.  However, after tax reform, itemizing in future years is going to be extremely difficult given the new increased standard deduction and the various caps on SALT taxes, interest (which I was under regardless since my property value is well below $750,000), and charitable contributions.

Tax benefits did not influence my home buying experience.  My wife and I were planning on purchasing a home regardless.  But man does it suck that I most likely will not be able to itemize after tax reform.  This was the wake-up call I needed to realize that I need to maximize these tax benefits while I can.  One of the ideas kicked around in tax reform, which thankfully didn’t pass, was lowering the traditional 401k contribution threshold to only $2,000 annually.  Luckily this was not included in the bill, but it goes to show that this deduction is not untouchable.  The time to start maximizing these contributions is NOW.  Again, if there are savings to be had, why not take advantage of them?  It is time to kick Uncle Sam’s figurative butt the way Lanny has.

The Plan and The Tax Savings

The decision has been made. My wife and I are maximizing our Traditional 401k contributions in 2018 effective January 1, 2018.  Luckily, since we are starting in January, we are able to spread the impact over 12 months rather than making an adjustment in 2018.   The contribution limit for each individual is $18,500 in 2018, so combined, we are contributing $37,000 in 2018.  Wow, it just hit me that we are going to have a significant amount of money automatically invested every two weeks.  2018 is going to be a fun year.   I’m “stealing” the table Lanny used to demonstrate the tax savings of his moves in 2016 because I loved how easily the table demonstrated the federal, state, and local taxes we will be saving each paycheck.

Woah, woah, woah.   Are you kidding me?  This move will help reduce our tax expense by nearly $10,500!  My initial reaction is that I am kicking myself for not doing this sooner.   The beauty of this is simple:  I love investing and I am going to invest regardless.  Now, I am finding a more tax-efficient way to invest.  Sure these contributions will be invested into index funds rather than individual stocks; however, I am still investing into income producing assets that will help push me closer and closer to financial freedom.

Further, with my tax savings, I have a lot of additional options here of what I can do with the additional income.  Here are some of the options I am going to mull over.

  1.  Invest.  Is this shocking that it is number 1 on my list?  Instead of paying $10k to Uncle Sam I could instead use the capital o purchase even more income producing assets.  Assuming a 3% yield, I could easily increase my dividend income $313 by investing all of the capital into dividend stocks.
  2. Pay-Down My Mortgage. Lanny has been asking himself whether he should invest or pay-down his mortgage for years.  And there still isn’t a clear-cut answer to the equation.  However, last year, I became so fed up with my debt levels that I committed myself to finding ways to reduce my overall debt burden in an effort to reduce my monthly cash outflows.  Well, I could allocate all or a portion of the tax savings towards paying off our new mortgage.  Now this is a pretty appetizing option, I must admit.
Summary

Why the heck not? Why not take a stand and try something different?  To me, this is a no brainer decision and I would be a fool to not try to maximize my tax benefits.  One other thing that hit me. If I don’t like the reduction in my cash flow, I can always change my deduction level to a level that is more comfortable for my wife and I.  Nothing about your finances are permanent and any decision you make can easily be reversed.   But two contributions into this, we don’t even realize a difference.  Starting in 2018 you are going to see a new me. A me that is less complacent and more pro-active, in terms of finances and life.  This is just the first step in a fun journey.

Do you maximize your traditional 401k contributions?  What other tax savings measures do you take?  Would you use the extra capital to invest or pay down debt?  Or do you think a little bit of both options is the way to go?

Bert

The post Why We’re Finally Maximizing our 401k Contributions in 2018 appeared first on Dividend Diplomats.

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