Tuesday, July 7, 2020

June 2020 Net Worth



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

Well I was able to squeeze out a slight gain for June and am almost back to $900,000. Talk about reversion to the mean.

I have been bouncing all around 900k for 2 1/2 years now and am still there. It's crazy. At the beginning of this year I was thinking I would would finally escape gravitational pull and hit that ever elusive $1,000,000 mark. Things obviously went sideways in a hurry back in March and I briefly dipped below $800k.

Fortunately I kept cool and shifted some cash into my taxable brokerage account and added mores stock. I also was the beneficiary of a timely 401k rebalance at the end of March. At the end of June there was another 401k rebalance back. Buy low sell high. Rebalance...Repeat.

Hopefully the back half of 2020 is a little more stable. We shall see.


Assets

Checking --- $6,112
Savings/Investments --- $454,452
Lending Club --- $50
HSA --- $2,015
IRA --- $10,588
401K --- $410,279
2014 Jeep Wrangler --- $16,900


Liabilities

$1,733

Net Worth

$898,663


YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180
Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075
Apr 30, 2020 --- $883,292

May 31, 2020 --- $897,577
June 30, 2020 --- $898,663

July 31, 2020 ---
Aug 31, 2020 ---

Sep 30, 2020 ---
Oct 31, 2020 ---

Nov 30, 2020 ---
Dec 31, 2020 ---

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 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935

Nov 30 2019 --- $915,534
Dec 31, 2019 --- $926,699


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, June 30, 2020

May 2020 Passive Income




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


Taxable Account

  • Amegy CD --- $421.28
  • OHI --- $174.20
  • T --- $169.00
  • GIS --- $49.00
  • CL --- $36.52
  • BND --- $6.26

Retirement Account

  • 65/35 S&P 500/Bonds --- $225.62

Total May 2020 passive income is $1068.28

The income keeps plugging along as the markets and economy gain more traction. I am well on my way to eclipsing last year's passive income totals even with some pretty serious dividend cuts. Hopefully some of the reduced dividends will be restored later this year and early next year.

Next year will be another interest rate reset on some of my CD's so I'll continue moving funds into dividend stocks. Stocks like PFE and SO are becoming more attractive and are currently yielding around 5%. KO nearing 4% is always a good play as well. Hope to add some of all in the near future.

DEFY MEDIOCRITY

Thursday, June 4, 2020

May 2020 Net Worth




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

Back to back big moves up! The market surged about 5% in May and the portfolio definitely responded. The net worth ended withing 30k of my January all time high and the YOY numbers actually showed a gain of $17k

Pandemics, social unrest, hurricane season, endless bailout, depression-like unemployment seems to have to lasting effect on the markets. This is CRAZY!

The first 28 months of retirement have been an adventure! If there was a way possible to insulate myself from all market related and news related events, I would simply see that my NW has dropped by $12k despite spending $80k enjoying life! That would be a totally acceptable draw dawn by any measure.

Of course it's the chaos that creates the opportunities and therefore helps keep the NW moving in the right direction. I would love to simply ignore all things market related, but that clearly will never happen. At least until I'm closer to death lol.

I hope everyone out there is safe and is able to within the social and financial turmoil in the world right now. Don't be to distracted and stay the course!

Stay well everyone and keep adding fuel to the FIRE (not fire like the above photo)!

Assets

Checking --- $9,554
Savings/Investments --- $452,106
Lending Club --- $81
HSA --- $2,015
IRA --- $10,457
401K --- $408,332
2014 Jeep Wrangler --- $17,200


Liabilities

$2,168

Net Worth

$897,577


YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180
Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075
Apr 30, 2020 --- $883,292

May 31, 2020 --- $897,577
June 30, 2020 ---

July 31, 2020 ---
Aug 31, 2020 ---

Sep 30, 2020 ---
Oct 31, 2020 ---

Nov 30, 2020 ---
Dec 31, 2020 ---

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 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935

Nov 30 2019 --- $915,534
Dec 31, 2019 --- $926,699


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

Wednesday, May 20, 2020

April 2020 Passive Income




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



Taxable Account

  • Taxpayer funded stimulus --- $1200.00
  • Amegy CD --- $527.72
  • MO --- $280.56
  • GEO --- $91.20
  • PM --- $70.20
  • M --- $64.18
  • BGS --- $47.50
  • BND --- $6.86

Retirement Account

  • 65/35 S&P 500/Bonds --- $239.96

Total April 2020 passive income is $2528.18

There are a couple of anomalies to report this month. First I received a government direct deposit as a result of the pandemic. I certainly don't need it and will gladly return it back to some local citizens via various charity donations.

I also received more interest income from Amegy this month because a CD I renewed in December was accruing interest rather than depositing it into my checking account. I finally had this corrected and received several months interest in April. The interest payment should be around $30 a month going forward.

I'm looking forward to the back half of this year as I have put a lot of capital to work recently.

DEFY MEDIOCRITY

Wednesday, May 6, 2020

April 2020 Net Worth


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

Wow!! April was an outstanding month for my net worth. This may be the largest one month jump ever for me. The market was up 12.7% the largest monthly move in over 30 years and my portfolio responded. My total NW skyrocketed by $43,000. Again a one month gain of $43,000!

I also should note for comparison purposes that since I retired 26 months ago, my net worth has decreased by roughly $26,000. So basically my net falls on average by about $1,000. I'm ok with that because the market is only up a handful of percentage points since I retired. Since the beginning of 2020, the declined in more pronounced. I have lost about $43,000 since the beginning of the year, however I was down close to $150,000 in late March.

If and when the market returns to 8-9% average return, my net worth will stay roughly even. In the mean time, I'll keep adding to positions and building passive income.

Stay well everyone and keep adding fuel to the fire!

Assets

Checking --- $14,565
Savings/Investments --- $446,024
Lending Club --- $81
HSA --- $2,015
IRA --- $10,208
401K --- $395,151
2014 Jeep Wrangler --- $17,200


Liabilities

$1,952

Net Worth

$883,292


YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180
Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075
Apr 30, 2020 --- $883,292

May 31, 2020 ---
June 30, 2020 ---

July 31, 2020 ---
Aug 31, 2020 ---

Sep 30, 2020 ---
Oct 31, 2020 ---

Nov 30, 2020 ---
Dec 31, 2020 ---

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 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935

Nov 30 2019 --- $915,534
Dec 31, 2019 --- $926,699


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, April 28, 2020

March 2020 Passive Income




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


Taxable Account

  • Amegy CD --- $360.97
  • ABALX --- $251.26
  • XOM --- $227.07
  • DOW --- $56.00
  • WBA --- $51.24
  • IBM --- $48.60
  • RDSb --- $39.48
  • MMM --- $30.87
  • CCL --- $25.00
  • JNJ --- $19.00
  • KHC --- $16.00
  • BND --- $6.22

Retirement Account

  • 65/35 S&P 500/Bonds --- $1544.55

Total March 2020 passive income is $2676.26.


Another solid passive income month. I'm still building up the portfolio and working around a volatile market with extreme bargains and traps everywhere. I just noticed BP will continue its dividend, but many others have cut or reduced payouts.

The coming months will be interesting from an investment and human health perspective. Keep fighting everyone and stay safe.

DEFY MEDIOCRITY

Thursday, April 16, 2020

Recent Purchase




Today I added to my BP position.


  • BP:  50 shares @ $22.18 --- Yield  11.27%

Total capital invested is $1,109 and will increase my yearly dividends by $125.00.

It's hard to ignore the majors right now. After a huge move up during the last few weeks, the prices of XOM, BP, and Shell are becoming attractive again. I'm looking forward to hearing about earnings and guidance at month end.

Sunday, April 5, 2020

March 2020 Net Worth


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

The first quarter of 2020 will go down in the record books for sure. The S&P 500 fell hard and finished down again for March. The market lost 20% during the first quarter of 2020 which was devastating not only to stockholders, but the entire world as the entire economy has been halted. The Dow actually recorded its worst quarterly performance in history falling 23%.

More alarming is the spread of the Coronavirus which is killing tens of thousands so far and likely hundreds of thousands in the months to come. Hopefully the death toll doesn't reach the millions.

On the net worth front, mine took another hit falling $28,000 for the month of March and now is down almost $87,000 for the year. Buying heavy into beaten down stocks actually mitigated some of the damage done by the markets. At one point the markets were down close to 40% before rebounding during the last week.

My cash position is now down to around 60%. While I plan to keep buying undervalued companies, I'll be limited as I don't have any CDs up for renewal until year end and then again next July.

This may be to my advantage as it could prevent me from going to strong into a depression type stock market crash in the coming months. Who knows? The markets currently are down around 30% from the February highs. The 1930s stock market fell 89%

Be safe out there everyone!


Assets

Checking --- $20,148
Savings/Investments --- $426,169
Lending Club --- $176
HSA --- $2,015
IRA --- $9553
401K --- $366,089
2014 Jeep Wrangler --- $17,500


Liabilities

$1575

Net Worth

$840,075


YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180
Feb 29, 2020 --- $887,924

Mar 31, 2020 --- $840,075
Apr 30, 2020 ---

May 31, 2020 ---
June 30, 2020 ---

July 31, 2020 ---
Aug 31, 2020 ---

Sep 30, 2020 ---
Oct 31, 2020 ---

Nov 30, 2020 ---
Dec 31, 2020 ---

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 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935

Nov 30 2019 --- $915,534
Dec 31, 2019 --- $926,699


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

Friday, April 3, 2020

Recent Purchase




Today I initiated a position in SPG.


  • SPG:  20 shares @ $46.71 --- Yield 17.98%

Total capital invested is $934.25 and will increase my dividends by $168.00 

Obviously there is a lot of uncertainty in the markets right now and REITs of all kinds have been left for dead. This dividend is likely to be cut by 70-100% if we the plague continues to shut US business down. If things get back to normal soon, SPG along with all equities will bounce back quickly. 

SPG was trading around $150 a few months back and close to $200 during the past year. This is a spec play and I don't plan to add more shares.

I also had a limit order put in for T at $27.00, but it stayed just above that level. 

Thursday, April 2, 2020

Recent Purchases




Today I added to my MO and WBA positions


  • MO:  20 shares @ $35.95 --- Yield  9.35%
  • WBA:  15 shares @ $39.68 --- Yield  4.61%

Total capital invested is $1,314.14 and the combined yield is 7.20%. These purchases will add $94.65 to my yearly income (assuming there are no cuts).

I really wanted to continue adding to energy companies, but they have been rallying hard off the lows from a couple of week ago. No worries though as there are bargains in every sector currently.  MO and WBA look pretty solid under $40. Hell they may end up under $30. There is no way to predict things right now. 

Sunday, March 29, 2020

February 2020 Passive Income




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


Taxable Account

  • Amegy CD --- $385.88
  • OHI --- $64.99
  • T --- $52.00
  • GIS --- $49.00
  • CL --- $29.24
  • BND --- $6.22

Retirement Account

  • 65/35 S&P 500/Bonds --- $214.60

Total February 2020 passive income is $797.90

Another month in the books. Not the most impressive income report, but this reflects the lower interest payments on my CDs as well as last year's portfolio sell off as I closed all positions in my E-trade account.

The good news is I have been replacing the sold stocks by investing in my JPM account and I feel as though the income streams should be back to normal in the next couple of months.

My goal is to still have the same passive income this year (maybe more) as last year even though interest income my fall by $2,000 or so this year. 

DEFY MEDIOCRITY

Monday, March 23, 2020

Recent Purchases





Today I added to IBM and initiated three new positions


  • IBM:  3 shares @ $94.49 --- Yield  6.86%
  • EMR:  6 shares @ $37.93 --- Yield  5.27%
  • KO:  7 shares @ $36.88 --- Yield  4.44%
  • VFC:  6 shares @ $46.30 --- Yield  4.15% 

Total capital invested is $1047.02 and the combined yield is 5.20% and will add $54.44 to my yearly dividends.

Hopefully these four are capable of at least maintaining their dividends during this pandemic. EMR, KO, and VFC have impressive businesses with stellar dividend growth. 

Also I will not include photos of my proof of purchases from here on out. Too much hassle :)

Friday, March 20, 2020

Recent Purchases --- MO & T




Today I added to a couple of existing positions.


  • MO:  30 shares @ $35.14 --- Yield  9.56%
  • T:   35 shares @ $28.65 --- Yield  7.26%

Total capital invested is $2057.05 and the combined yield is 8.44%. These purchases will add $173.60 to my yearly dividends.

I almost added KO to the portfolio. It's trading in the $38 range. I'll probably add some shares next week but would like to see $35.

Have a great weekend everyone!

Thursday, March 19, 2020

Recent Purchase --- T




Today I added to my T position.

  • T:  30 shares @ $30.70 --- Yield  6.78%

Total capital invested is $921.00 and will increase my yearly dividends by $62.40.

Markets continue to be volatile with the Dow down 13% so far this week. It's very difficult to keep buying with energy companies yielding 15%, REITs yielding 20-30% and the hospitality/travel industries down 70,80, and 90% in some cases.

Remember when you think the market is too high and want a pullback, this is what it looks like when you get buying opportunities. Embrace the suck and keep buying.

DEFY MEDIOCRITY

Wednesday, March 18, 2020

New Position --- BP




Today I decided to initiate a position in BP.

  • BP:  200 shares @ $15.75 --- Yield 16.00% (Realistically 4% if reduced by 75%)

Total capital invested invested is $3150 and will increase my yearly dividend by $504.00.

I've owned shares of BP in past and am glad to re-enter the position at a fairly reasonable price. These are treacherous times in the energy sector and I realize this dividend is beyond fragile.

I'll be watching the REITs closely as they have all been left for dead. I probably won't add any more OHI, but O, SPG, and WFC are certainly worth looking at closer. It is not uncommon to see 20-30% yields across the REIT sector.

I wouldn't mind building up my BP position to 500 shares and will likely add more at these price levels. I do feel better knowing that virtually every sector has bargains so I’m not limited to beat down oil and banks.

Be safe everyone.


Monday, March 16, 2020

February 2020 Net Worth




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

Well February was a crazy month with the S&P 500 dropping by 12% Unless you are 100% cash and/or shorting the market you felt the effects in your portfolio.

My net worth fortunately dropped by only 4.2% which is pretty much as expected. I have been keeping my net worth at a .3 - .4 beta since I retired two years ago. I continue to feel fortunate that I have a huge CD position and a 65/35 stock bond 401k which rebalances quarterly.

I have been stepping in a bit more aggressively as of late and have taken a pretty good beating especially on my energy positions.

As I write this update, the DJIA is trading around 20k, down roughly 30% from last months all time high. If the market continues to break through the circuit breakers and hits a 40% bear market, I may be reporting a networth with a 7-handle in a few weeks.

I'll keep adding, but am being somewhat cautious. Seeing LYB at 37, IBM at 95, OHI at 21, and BP at 18 is crazy.

Be safe out there everyone and keeping feeding the fire!



Assets

Checking --- $53,784
Savings/Investments --- $411,796
Lending Club --- $165
HSA --- $2,015
IRA --- $10,470
401K --- $394,181
2014 Jeep Wrangler --- $17,800


Liabilities

$2287

Net Worth

$887,924


YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180
Feb 29, 2020 --- $887,924

Mar 31, 2020 ---
Apr 30, 2020 ---

May 31, 2020 ---
June 30, 2020 ---

July 31, 2020 ---
Aug 31, 2020 ---

Sep 30, 2020 ---
Oct 31, 2020 ---

Nov 30, 2020 ---
Dec 31, 2020 ---

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 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935

Nov 30 2019 --- $915,534
Dec 31, 2019 --- $926,699


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, March 12, 2020

Recent Buys --- OHI & XOM




I added a few shares to some existing positions today.

  • OHI:  100 shares @ $23.83 --- Yield  11.25%
  • XOM:  30 shares @ $37.03 --- Yield  9.40%

Total capital invested is $3493.99 and the combined yield is 10.66%. These purchases will add $372.40 to my yearly dividends.

The market pullback is so quick and extreme that it's difficult to decide what to pull the trigger on. When I saw OHI down 25% after the market circuit breaker this morning I decided to swoop in. XOM is at ridiculous levels and may get more ridiculous.

IBM got close to $100 and I almost added shares at 6.5% yield. Also MO is within inches of a 10% yield. Airlines, banks, hotels, and cruise lines are being left for dead. I think BA is down $300 a share from its all time high!! That's crazy! 

Wells, JPM, GS, etc are very tempting, but I actually may pick up TD or BNS as they will be yielding in the 8% range very soon.

Great time to get off the sidelines and get back into the game. I've been out for too long :)

DEFY MEDIOCRITY

Tuesday, March 10, 2020

Recent Buy --- Shell




Yesterday I added to my Shell position.

  • RDS-b:  120 shares @ $36.52 --- Yield  10.30%

Total capital invested is $4382.30 and will increase my yearly dividends by $451.20.

It looks like there will be a snap back in the markets today, but there are tons of depressed stocks still available. 

I'm closely watching MET, PRU, DOW, XOM, PFE, and MO at the moment. Airlines, cruise lines, hotels are also interesting, but dangerous.  I will continue adding to energy positions especially Shell over 10% and XOM over 8%.

DEFY MEDIOCRITY

Thursday, February 27, 2020

Recent Buys --- XOM, UPS, WBA, & DOW




Today I added some to positions.


  • DOW:  25 shares @ $39.98 --- Yield  7.00%
  • XOM:  20 shares @ $51.36 --- Yield  6.78%
  • UPS:  11 shares @ $90.47 --- Yield  4.47%
  • WBA:  22 shares @ $45.89 --- Yield  3.99%

Total capital invested is $4,031.30 and the combined yield is 5.56%.  These purchases will add $224.30 to my yearly dividends.

I may be jumping in a bit early, but I need to replace the lost income from selling all the stocks in my old E-trade account. Today was a good day to buy as the S&P 500 is down 10% in the past week.

I almost pulled the trigger on MO and Shell, but still believe the yields will reach 10% soon. I also refrained from buying CCL and WFC as they look like traps to me right now. I will be watching them closely along with the above four companies. Other stocks that look appealing and dangerous are OXY, LYB, and BBL.

Hopefully JNJ and PEP will drop 25% in the coming weeks so I can buy them instead :)




Saturday, February 22, 2020

January 2020 Passive Income




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


Taxable Account

  • Amegy CD --- $386.68
  • MO --- $88.20
  • PM --- $70.20
  • M --- $37.75
  • CL --- $29.24
  • BND --- $2.19

Retirement Account

  • 65/35 S&P 500/Bonds --- $221.23

Total January 2020 passive income is $804.06

CD income continues to drop as interest rates have fallen in the past year as well as reducing my CD portfolio by $50k. My dividend income also was a bit lower as I haven't completely reinvested all of the proceeds of my CD money.

I still plan on at the very least maintaining the same passive income level this year as I had last year. I may increase it a tad, but it would not be too big of an increase.

Steady as she goes...

DEFY MEDIOCRITY

Monday, February 3, 2020

January 2020 Net Worth


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

Well damn...The month of January was rocking along with the markets hitting new highs and then BAM!!! The last day of the month saw a 600 point drop in the DJIA and all of a sudden the market was flat for the month. I was really hoping to hit another new record high in my net worth.

Oh well, there is always next month.

My portfolio basically was flat with a small 3k decline due to writing down my Jeep and accounting for regular living expenses.

Oddly my 401k balance was actually 2k. Maybe the S&P registered a slight gain along with a gain in my bond component (65/35 S&P/bonds). 

I'm closing in my 2 Year FIRE Anniversary and it feels good seeing a gain in net worth. It shouldn't be surprising, but short term volatility can bounce things around for sure.

It's pretty wildly known that the markets typically gain 9%/year and that's what I'm counting on to maintain a slow growing net worth. However my first two years were -7% and +31%. It all works out over time, but it does get rocky sometimes. I'm sure the election year will be calm 😁

I hope everyone else had a great January!!

Here is my net worth summary from December/2019 ending totals.

Assets

Checking --- $93,660
Savings/Investments --- $387,516
Lending Club --- $263
HSA --- $2,015
IRA --- $10,963
401K --- $413,815
2014 Jeep Wrangler --- $18,100


Liabilities

$3152

Net Worth

$923,180


YTD Totals

2020

***Jan 1, 2020 --- $926,699***

Jan 31, 2020 --- $923,180
Feb 29, 2020 ---

Mar 31, 2020 ---
Apr 30, 2020 ---

May 31, 2020 ---
June 30, 2020 ---

July 31, 2020 ---
Aug 31, 2020 ---

Sep 30, 2020 ---
Oct 31, 2020 ---

Nov 30, 2020 ---
Dec 31, 2020 ---

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 31, 2019 --- $894,960

Sept 30, 2019 --- $900,639
Oct 31, 2019 --- $904,935

Nov 30 2019 --- $915,534
Dec 31, 2019 --- $926,699


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