Friday, December 19, 2014

AT&T raises dividend 2.17% --- New yield is 5.61%





Today AT&T announced that is will be raising its quarterly dividend from $.46 to $.47 a share. This represents a 2.17% increase over last year's increase. It is also the 31th consecutive year of dividend increases. The record date is January 9th and the pay date is February 2nd.

Since I own 355 shares, my annual dividends will increase by $14.20.

Tuesday, December 16, 2014

Weekly Sharebuilder Purchases

 
 

And upon closer inspection, much of it is within my energy positions.

Here are my automatic purchases for this week.  S&P 500: 1998

  • BP:  8.33 shares @ $36.03 --- Yield  6.66%
  • BBL:  7.29 shares @ $41.17 --- Yield  6.02%
  • RDS-b:  4.56 shares @ $65.75 --- Yield  5.72%
  • CVX:  2.88 shares @ $104.05 --- Yield  4.11%

Total capital invested this week is $1200 ( $300 in each company) and the combined yield is 5.63%.  These purchases will add $67.53 to my yearly dividends.

Needless to say the bloodbath continues in oil and commodity names. How low can oil prices go? I don't know, but the WTI price this morning has been hovering around $54 a barrel.

I certainly am not advising anyone to buy energy companies, especially if you have limited liquidity within your portfolio. However, I think this is a fantastic opportunity to start or like me continue building your energy positions. If the idea of having a stock lose 30-50% of its value over a relatively short period of time too difficult for you, stay away from this sector. There are plenty of less volatile companies out there.

I plan on continuing to swim in the deep end of the pool where both opportunities and risk reside.

Stocks on my radar for next week include the four listed above along with T, GE, IBM, XOM, KO, BA, and PM.

Monday, December 15, 2014

PFE raises dividend 7.7% --- New Yield is 3.61%







Today Pfizer announced that it will be increasing its quarterly dividend from $.26 a share to $.28 a share. This represents a 7.7% increase and the new yield currently is 3.61%. The ex-dividend date is February 4th and the pay date is March 3rd.

Since I have 186.5 shares, my yearly dividends will increase by $14.92.

After last week's disappointing news from GE, this is very welcomed news. Pfizer has been a pretty steady performer this year and the dividend increase certainly reflects this.

Saturday, December 13, 2014

2015 Goals


Here are few of the goals I would like to achieve during 2015.

Financial

Create a strong hybrid FI plan incorporating
  • Dividends/Interest
  • Safe withdrawal plan (SPY and cash)
  • 72T early distribution from my 401k
  • Side hustles that do not include a traditional W2 job
Open a Lending Club account and build up $10,000 in loans
Reach $18,000 in forward passive income in my taxable account
Receive $16,000 in passive income in my taxable account
Avoid more speculative investments with unstable dividends (this will be difficult)

Build the following positions by year end
  • 100 shares of Exxon
  • 400 shares of Coke
  • 150 shares of Procter & Gamble
  • 700 shares of AT&T
  • 800 shares of General Electric
  • 100 shares of Chevron
  • 100 shares of Johnson & Johnson
  • 100 shares of Pepsi
  • 300 shares of Altria
  • 100 shares of Caterpillar
Reach 100% savings rate during at least 2 months this year

Health goals

Run a half marathon
Run at least 20 miles each week
Buy a bike and start riding (pretty vague I know)
Eat more grilled chicken and fish
Kayak on the lake more often


Education goals

Read at least 30 books on various business topics investing, retirement, sales, real estate, passive income, motivation, personal improvement

Start seriously researching side hustles in case I unplug from the work force prematurely
Read past Chapter 1 in my Microsoft Office 2013 manual
Take a couple of college courses on any subject excluding math, physics, chemistry, or any other subject that is subject to cause long term psychological damage (maybe photography, marketing, real estate, or stock market analysis)

Fun goals

Attend all 8 Houston Texans home games (I used to go to every game for 8 years)
Attend at least 2 Longhorn football games in Austin
Attend a weekend baseball series at Disch Falk field in Austin
Take a long road trip through Colorado with the wifey
Take a long road trip through California along the PCH (again with the wifey)
Learn how to play guitar
Transition back to a 5 day workweek
Spend more time drinking cold beer in my hammock (Must achieve 5 day work week first)
Build a new deck for the backyard
Learn to play golf
Install indirect lighting throughout the house
Enter 20 different 5K and 10K runs in different cities


Professional goals

Continue to build a world class and dominant sales team
Promote at least two of my hand picked sales proteges into management
Increase sales by 10% and net profit by 25%
Increase Linked In contacts to at least 1500 people
Earn $250,000 from my day job
Spend more one on one time with sales associates (Not a negative like many may think)


Blog goals

Create an About page
Learn to create graphs (without throwing the monitor through the window)
Use the HTML button without destroying the blog
Add more information to the month end summary (Income, expenses, networth)
Create a few more entries each month

Friday, December 12, 2014

GE raises dividend 4.54% --- New yield is 3.66%

Today GE increased its quarterly dividend from $.22 a share to $.23 a share. This represents a 4.54% from last year's increase. Since I currently own 411.4 shares of GE, my yearly dividends will increase by $16.46.

The ex-dividend date is December 18th and the pay date is January 26th.

I must admit this is not overly impressive in my opinion, but I will take a pay raise regardless of the amount. I am glad that I waited for this announcement before I added more shares. I will probably wait to add more GE if the yield gets closer to 4%.

Tuesday, December 9, 2014

Weekly Sharebuilder Purchases

Here are my automatic investments for this week.   S&P 500:  2042

  • RDS-b:  2.93 shares @ $68.21 --- Yield:  5.51%
  • MCD:  2.19 shares @ $91.31 --- Yield:  3.72%
  • IBM:  1.24 shares @ $161.43 --- Yield:  2.73%

Total capital invested is $600 ($200 in each company). The combined yield of these purchases is 3.99% and will add $23.94 to my yearly dividends.


Energy companies continue to fall so I will keep adding to these positions. Energy currently represents 12% of my overall portfolio, therefore I still have room to expand these holdings. I would ideally like to be around 15%. If I am temporarily out of balance that is ok. I believe 20% of my portfolio in any one sector would be too high.

Also, I have noticed that Canadian banks have been taken to the proverbial "woodshed" in recent week so I may start to take a closer look at some of these companies. I have a strange feeling that the falling energy and commodity prices are starting to spread to the banking sector. Hopefully their loan portfolios aren't over-exposed to unstable energy companies. Significant problems could start to arise if that is the case. I will do some more research, but most likely I will continue to stay away from the banking sector. I really hate to rule out any sector, but as a whole this is one that has not had a very good track record in my view.

Stocks on my radar for next week include T, VZ, IBM, CVX, RDS-b, BBL, GM, and GE.

Tuesday, December 2, 2014

Weekly Sharebuilder Purchases

Here are my automatic investments for this week.

  • RDS-b:  4.16 shares @ $72.12 --- Yield  5.21%
  • BBL:  6.27 shares @ $47.83 --- Yield  5.19%

Total capital invested is $600 ($300 in each company) and the combined yield is 5.20%. These purchases will increase my yearly dividends by $31.20.

As tempting as it was to go stronger into the energy markets, I decided to just nibble a bit this week. I have lost a couple of fingers already trying to catch falling knifes (more like flying battle axes in some cases). Hopefully the bottom for oil is somewhere in the 60s. If oil continues its descent down into the 50s or worse down to the 40s, things could get a bit dicey to say the least.

Stocks on my radar for next week are T, MCD, IBM, GE, BBL, RDS-b, XOM, GM, and PM.