Thursday, September 12, 2019

August 2019 Net Worth




All figures except my Jeep value are generated from Mint.com.

This net worth entry completes 18 months of retirement and more importantly the most memorable 18 months since back in my school days. When time is spent with loved ones, building a healthy mind and body, and creating memories....life become exceptional.

The numbers were little changed from last month and I continue to flow between the $880s and $900k. 

We just spent a week in Frisco, Carmel, and Sacramento and the weather was phenomenal. We took advantage of travel points earned with credit card bonuses. Carmel was the highlight of the trip and I would highly recommend vacation time there to anyone.

Anyway here are the net worth numbers for August.

Assets

Checking --- $1590
Savings/Investments --- $479,023
Lending Club --- $699
HSA --- $2,101
IRA --- $10,208
401K --- $384,888
2014 Jeep Wrangler --- $20,000


Liabilities

$3,549

Net Worth

$894,960


YTD Totals

2019      

 ***Jan 1,2019 --- 864,816***

Jan 31, 2019 --- $887,560
Feb 28. 2019 --- $895,998

Mar 31, 2019 --- $899,902
Apr 30, 2019 --- $904,190

May 31, 2019 --- $880,455
June 30, 2019 --- $894,816

July 31, 2019 --- 898,515
Aug 2019 --- $894,960


2018

Jan 2018 --- $917,116
Feb 2018 --- $910,667

Mar 2018 --- $909,746
Apr 2018 --- $903,416

May 2018 --- $889,032
Jun 2018 --- $893,278

Jul 2018 --- $892,002
Aug 2018 --- $896,619

Sep 2018 --- $899,763
Oct 2018 --- $876,927

Nov 2018 --- $891,402
Dec 2018 --- $864,613


2017

May 2017 --- $835,009
July 2017 --- $851,904 


Aug 2017 --- $860,072
Sept 2017 --- $869,374

Oct 2017 --- $887,033
Nov 2017 --- $897,145

Dec 2017 --- $914,266


There is no down time when building a path that doesn't lead back to ZERO

Thursday, August 22, 2019

July 2019 Passive Income




Here is the passive income I received from both taxable and retirement accounts.


Taxable Account

  • Amegy CD --- $573.64
  • PM --- $136.80
  • TUP --- $108.00
  • MO --- $88.00
  • CAH --- $48.10
  • KMB --- $20.60
  • GE --- $1.01

Retirement Account

  • 65/35 S&P 500/Bonds --- $219.65

Total July 2019 passive income is $1195.80

My CD income jumped up quite a bit as I invested the proceeds from my home sale into a 2.5% 2 year Amegy CD in the beginning of June. Considering both the 2 YR and 10 YR bonds are hovering around 1.5% after massive drops during the past couple of months, I feel I caught lightning a bottle with that rate.

Other than buying a few shares here and there this month, everything is nice and calm and I just continue to sit back and live off the passive income streams.


DEFY MEDIOCRITY

Thursday, August 15, 2019

Recent Buy -- M




Today I initiated a position in M.

  • M:  150 shares @ $15.90 --- Yield  9.44%

Total capital invested is $1590.00 and will add $151.00 to my yearly dividends.

The past few years have not been kind to Macy's. Considering the stock has fallen from $83 all the way down to $15 and change, its struggles along with many other retailers are widely known.

This is an iconic brand and I hope that the restructuring plan resembles that of BBY and not BBBY.

Obviously this is a speculative purchase and I fully understand this company may join the ash heap with Sears and JC Penny. Time will tell.

In other news I'm still watching MO closely (7% yield), PFE (drastic fall recently) and WBA (down around 50% this past year).

DEFY MEDIOCRITY



Wednesday, August 14, 2019

Recent Buy --- XOM




Today I add to my XOM position.


  • XOM:  16 shares @ $68.47 --- Yield   5.08%

Total capital invested is $1095.52 and this purchase will increase my yearly dividends by $55.68.

XOM briefly traded at a 5% yield at the end of 2018 when I last added shares. Will add more if weakness continues. I am also closely watching HP (Helmerich & Payne) which is now trading in the high 30s and its yield is approaching 8%. I'll probably initiate a position around $35. Also Shell in the $40s and BP in the $20s will peak my interest if they get there.

DEFY MEDIOCRITY







Thursday, August 1, 2019

July 2019 Net Worth




All figures except my Jeep value are generated from Mint.com.

The Net Worth line keeps inching forward as evidenced by another $4,000 monthly gain. I finished the month just a hair under $899,000. Since I retired 17 months ago I have experienced extreme resistance around the $900,000 level. One day I hope to blow through that number permanently.

It does feel good to have positive month/month and year/year gains though. My YTD net worth gain is $34,000 which equates to about $5,000/month. I'll take it!

I also adjusted my Jeep value up from $17,500 to $20,000 as I actually received a cash value to buy it at a local auction. I decided to keep it since I enjoy it so much :) Anyway, here are the numbers from July.


Assets

Checking --- $3,429
Savings/Investments --- $480,637
Lending Club --- $793
HSA --- $2,101
IRA --- $10,316
401K --- $385,355
2014 Jeep Wrangler --- $20,000


Liabilities

$4,116

Net Worth

$898,515


YTD Totals

2019      

 ***Jan 1,2019 --- 864,816***

Jan 31, 2019 --- $887,560
Feb 28. 2019 --- $895,998

Mar 31, 2019 --- $899,902
Apr 30, 2019 --- $904,190

May 31, 2019 --- $880,455
June 30, 2019 --- $894,816

July 31, 2019 --- 898,515


2018

Jan 2018 --- $917,116
Feb 2018 --- $910,667

Mar 2018 --- $909,746
Apr 2018 --- $903,416

May 2018 --- $889,032
Jun 2018 --- $893,278

Jul 2018 --- $892,002
Aug 2018 --- $896,619

Sep 2018 --- $899,763
Oct 2018 --- $876,927

Nov 2018 --- $891,402
Dec 2018 --- $864,613


2017

May 2017 --- $835,009
July 2017 --- $851,904 


Aug 2017 --- $860,072
Sept 2017 --- $869,374

Oct 2017 --- $887,033
Nov 2017 --- $897,145

Dec 2017 --- $914,266


There is no down time when building a path that doesn't lead back to ZERO

Tuesday, July 30, 2019

Recent Buys --- MO & ABBV


Today I added to my MO position and initiated a new position in ABBV


  • MO:  30 shares @ $47.70 --- Yield  6.71%
  • ABBV:  20 shares @ $66.49 --- Yield  6.44%

Total capital invested is $2760.80. The combined yield is 6.58% and will add $181.60 to my yearly dividends. These are commission free trades through Chase.

This is my first stock purchase since January. I'm always interested in adding shares of MO especially when the yield is around 7%.

While the market keeps reaching new highs, ABBV continues its painful descent having dropped almost $60 a share over the past year and a half. Hopefully the dividend is safe. I would hate to see it follow the paths of TEVA, GE, and TUP.

DEFY MEDIOCRITY

Monday, July 8, 2019

June 2019 Passive Income




Here is the passive income I received from both taxable and retirement accounts.


Taxable Account

  • ABALX --- $660.60
  • Amegy CD --- $340.90
  • SO --- $64.06
  • F --- $52.50
  • XOM --- $52.48
  • IBM --- $41.03
  • KHC --- $36.26
  • LB --- $30.54

Retirement Account

  • 65/35 S&P 500/Bonds --- $1217.95

Total June 2019 passive income is $2,496.32

Not much to say other than everything is progressing nicely and early retirement is going well. I try to do new things each day and continue to collect memorable experiences. So far so good. I honestly haven't paid much attention to stock values or dividend yields. 

Spreadsheets, valuations, and spending hours researching stocks isn't what life is about. Exploring, hiking, swimming, yoga, wine tasting, and relationships are what I focus on now. 



DEFY MEDIOCRITY