June 2015 Dividends

June was a good month. Most of the dividends received for June were in my 457K account. Only thing about that account is it is all mutual funds and I don’t have much say so in what gets sold or bought. My taxable accounts were kind of low dividend wise but it is still good money no matter how you look at it.

457K Account: $123.91
Robinhood Account: $8.47
AGNC (American Capital Reality Corp.) – $1.20
DNR (Denbury Resources Inc.) – $0.31
NVDA (NVIDIA Corp) – $0.20
O (Realty Income Corp) – $ 2.27
ORC (Orchid Capital Inc) – $3.78
WFC (Wells Fargo) – $0.38
WTR (Aqua America Inc.) – $0.33

Sharebuilder Account: $26.59
ARP (Atlas Resource Partners LP) – $5.17
FTR (Frontier Communications Inc.) – $2.49
FUN (Cedar Park LP) – $7.60
O (Realty Income Corp) – $ 0.95
ORC (Orchid Capital Inc) – $6.98
UL (Unilever PLC) – $2.23
WM (Waste Management Inc.) – $1.16
Account Interest – $.01

Total From All Sources: $158.97

According to the BYU-Kennedy Center this is exactly how much the average Crimean pensioner gets per month. I don’t know much about the country of Crimea other than it is now owned by Russia, but it is nice to know I could at least afford a life somewhere. Then again all money transfers into Crimea are currently halted so who knows if I would be able to get my money if I moved there!

June Buy/Sell Orders:
Added HAS (Hasbro Inc.)
Added FTR (Frontier Communications Inc.)
Added YUM (YUM Brands Inc.)
Added DNR (Denbury Resources Inc.)
Added ENZN (Enzon Pharmaceuticals Inc.)

Overall the energy sector is kind of low due to all the excess oil currently in the market, but I think that is going to get bought up and while it has been easy for the Arabian coast to turn up the production numbers on oil, they can only refine so much at a time. Enzon just declared a special dividend of $.50 a share which is great because my average is now down to $1.24 per share. I added to Frontier Communications because I think with the new acquisitions announced we will see news of new customers in future press releases, at least that is what I am hoping.

We Need A Jubilee Year

Just did some interesting research and found out the world collectively owes about 108 trillion (US) dollars. That translates to about 10,700 dollars of debt for every man, woman, and child on the planet. 

Of course debt is really owed by country and if you go that way the United States has the highest national debt at 18 trillion. That means every citizen of the United States owes about 58,000 dollars. Could be worse Luxembourg only owes 4 trillion dollars but their population is so low they owe about 3.5 million each (not buying bonds in that country any time soon). 

Want to get away from all this debt? There is one independent country in the world that has no debt, Zimbabwe. Then again they just recently went bankrupt and have no national currency.

Which brings me to the title of my post. There is an old tradition called a Jubilee Year. Basically every 49 years everything gets wiped out to zero. The ancient pre-Columbian civilization kind of had this same tradition as their calendar was based on a 52 year cycle. We need a do over. 

Try as much as you can (Norway is leading a valient effort eliminating 46% of their debt in just 10 years), no country has done it since the beginning of World War I. That was 101 years ago, that is almost two cycles on Mayan calendar! 

It is time we let bygones be bygones. It’s going to be tough. No one is going to give you a 30 year mortgage when the world is on year 41 of a Jubilee Calendar. Then again the current path we are on is not good. People eventually are not going to have money and when that happens they revolt. Revolts lead to wars, which lead to death and destruction. That just leads us to more poverty.

I choose Jubilee Year. We know the end game is coming. Why don’t we mitigate the inevitable, write down some losses peacefully, and end out with a clean slate? It will not be easy, but anything is better than war.

May 2015 Dividends

In May of 2014 I got my first dividend payments in my taxable accounts. It was $7.75 and it all came from one stock, CNSL (Consolidated Communications). I really haven’t done much with that stock and now I am making $11.95 every quarter with just that one stock. Fast forward to May of 2015 where I received a total of $52.85 from 13 dividend stocks that pay out in May. My current projections have me at $44 a month, apparently I need to adjust my predictions. I will save you the math and tell you that represents a 581.94% increase in just one year!! That is crazy!

There is a saying in the stock market that “the best time to invest in the market was ten years ago.” This may be true. Lots of people are predicting a end to our current bull market and they are right, good times can’t last forever. The thing is there is also another saying that says “the second best time to invest in the market is today.” That is what I am going for, stocks will go up and down, but time in the market is going to conquer that. The best I can hope for is that I am constantly looking after my average.

This is where I got dividends in May:

457K Account: $0

Robinhood Account: $15.34
YUM (YUM Brands Inc.) – .82
AGNC (American Capital Agency Corp) – $1.32
ARTNA (Artesian Resources Inc.) – $.22
O (Realty Income Corp) – $ 1.52
ORC (Orchid Capital Inc) – $3.78
PER (Sandridge Permian) – $7.68

Sharebuilder Account: $37.51
ARP (Atlas Resource Partners LP) – $8.51
CNSL (Consolidated Communications) – $11.95
HAS (Hasbro Inc.) – $1.39
KMI (Kinder Morgan Inc.) – $1.44
NMM (Navios Maritime Partners) – $7.08
O (Realty Income Corp) – $ 0.95
ORC (Orchid Capital Inc) – $6.18
Account Interest – $.01

Total From All Sources: $52.85

April 2015 Dividends

The dividends keep growing in the taxable accounts…

This is where I got dividends in April:

457K Account: $0

Robinhood Account: $10.89
AGNC (American Capital Agency Corp) – $1.32
KO (Coca Cola Company) – $.33
LOAN (Manhattan Bridge Capital Inc) – $1.44
O (Realty Income Corp) – $ 0.95
ORC (Orchid Capital Inc) – $2.16
WMC (Western Asset Mortgage Capital) – $4.69

Sharebuilder Account: $32.64
ARP (Atlas Resource Partners LP) – $5.03
CIM (Chimera Investment Corp) – $7.20
FPI (Farmland Partners Inc) – $4.96
FTR (Frontier Communications Corp) – $2.45
GE (General Electric) – $1.64
O (Realty Income Corp) – $ 0.95
ORC (Orchid Capital Inc) – $3.61
SNV (Synovus Financial Corp.) – $.60
SPLS (Staples) – $1.59
WIN (Windstream) – $3.60, $.98 (Special dividend due to spinoff)
Account Interest – $.03

My big trade last month was selling CAMP (CalAmp) at $21.50. I made a good bit of money from my buying in the $18’s.

A lot of companies had reverse splits and I went through my first spinoff with WIN (Windstream). I now have shares of WIN and CSAL (Communications Sales and Leasing Inc). I am not sure what to make of CSAL. So far it doesn’t look to be doing well, it has gone down a lot since the spinoff. I don’t really have a reason to sell it, so for now I will keep it until I can better evaluate it’s worth.

Not as much as last month but $43.53 is pretty darn good for just a few clicks and a bit of research.

Full disclosure – Long in all the above mentioned stocks.

March 2015 Dividends

March is a good month because I get dividends in all of my accounts. I have a 457 account that is comprised of just mutual funds so I am just listing it by itself, then I have two taxable accounts that I actively manage. In the Robinhood account I take the dividends and reinvest them myself. In the Sharebuilder account I have all dividends automatically reinvested via the DRIP method.

This is where I got dividends in March:
457K Account: 96.84
Robinhood Account: $4.96
AGNC (American Capital Agency Corp) – $0.88
O (Realty Income Corp) – $ 0.57
ORC (Orchid Capital Inc) – $3.51
Sharebuilder Account: $18.41
ORC (Orchid Capital Inc) – $3.56
FTR (Frontier Communications Corp) – $2.45
FUN (Cedar Fair LP) – $7.50
WM (Waste MGMT Inc) – $1.16
ARP (Atlas Resource Partners LP) – $1.44
UL (Unilever PLC) – $2.30

As far as dividend paying stocks go I added several more dividend paying stocks. In the Sharebuilder account I added ARP (Atlas Resources), CIM (Chimera), O (Realty Income Corp), and WM (Waste MGMT). In the Robinhood account I added AGNC (American Capital Agency), WMC (Western Asset Mortgage), ARTNA (Artesian Water), KO (Coca Cola), ORC (Orchid Capital), DNR (Denbury Resources), NVDA (NVIDIA), O (Realty Income Corp), and WFC (Wells Fargo).

I didn’t sell any dividend stocks this month, but I have been flipping CERE and PLUG a bit (two bio energy stocks).

In total $120.21 is not too bad for little to nothing of work.

Full disclosure – Long in all the above mentioned stocks.

February 2015 Dividends

I am still kind of new on the dividend investment thing so I am sure many people reading this post are going to laugh, but you gotta start somewhere right?!

Starting with the new year I started tracking my dividends in my taxable accounts. I get dividends in my non-taxable accounts, but they mostly comprised of mutual funds that track indexes so it doesn’t translate well when I talk about dividends in those accounts.

In January I earned $18.87 in dividends. In February I got $20.57. Not much, but it’s money I didn’t have to work to get at all. Plus a 9% one month increase is a heck of a lot better than I got in my savings account. Unlike trading which isn’t much work either, but you do have to monitor the trade. With dividends it just shows up in your account.

This is where I got dividends in February:
ARP (Atlas Resource Partners LP) – $2.56
AGNC (American Capital Agency Corp) – $0.88
CNSL (Consolidated Communications) – $11.75
HAS (Hasbro Inc) – $1.29
O (Realty Income Corp) – $ 0.57
ORC (Orchid Capital Inc) – $3.51
Interest – .01 (not really dividend, but it is part of my taxable accounts)

I added PER (Sand Ridge Permian Trust), WMC (Western Asset Mortgage Capitol Corp), and YUM (Yum Brands) which will also payout in February, so I should see a bigger payout next quarter in May. As far as the year goes I am up to $39.44. Considering I earned $39.85 in all of 2014 I think I can say I am going to do better than last year.

I am still trying to grow my dividends funds so they can be another part of my financial strategy. As such all the money I earn in dividends will be re-invested into new stocks. The idea being that it will compound along with my other stocks for higher returns.

Full disclosure – Long in all the above mentioned stocks.

Dividend Outlook

I don’t know what most people looking for financial freedom do in the morning. As for me mornings seem to be the best time of the day for me. Everyone else is asleep so it gives me a little bit of extra time. I think that is what financial freedom means to me, the ability to carve out more time. Thinking about financial freedom it seems to be a lot about money, but it really has to do more with time. Time is definitely worth more than money. Anyhow, that is enough of the morning philosophizing.

The real reason I wanted to write was because I was updating my dividend spreadsheet (something I suspect a lot of financial freedom seekers do) and I wanted to put it into writing how my dividends were doing (for posterity). My investments are currently in three different accounts. I have two taxable accounts, a Sharebuilder and a Robinhood account. I also have one non-taxable account, a Great West Retirement account which is run by my employer.

Other than the contributions I make into my Great West account, I don’t really manage it that much. All the funds in there are mutual funds with a mix of bonds. I started that account in my early 20’s putting in $200 a month and I have been slowly increasing my contribution with pay raises. Right now I invest $350 a month in that account. Reviewing the dividend section of that account I received $2,224.57 in dividend payments, or, another way of putting it $185.38 per month.

My other two accounts are taxable accounts. They are all in stock and I actively manage both of those portfolios. I started contributing to those accounts in 2012. In the past I have been seeking mostly growth stocks, but starting last year I have been looking into dividend stocks. I am currently contributing about $300 a month to those accounts (sometimes a little bit more if my side business makes money). I currently own a piece of 16 different companies that produce dividends(ARP, AGNC, CNSL, FPI, FTR, FUN, GE, HAS, LOAN, O, ORC, SNV, SPLS, UL, WIN, YUM). Looking at my spreadsheet I am projecting $241.96 in dividends this year, or, another way of putting it $20.16 per month.

OK, so bottom line, at roughly $205 a month I am no where near financial freedom, but I want to be! To that end I will just keep on contributing. My goal is to eventually produce $1860 in monthly revenue (that is the least I figure I can get by with in California). As you can see I am at about 11% of that goal by way of dividends. Part of the plan also includes growth stocks and reoccurring revenue from some side businesses I have. A long way to go, but at least I have something. It makes me happy to know that I am at least trying to get to my goal of financial freedom.

Disclosure: Long ARP, AGNC, CNSL, FPI, FTR, FUN, GE, HAS, LOAN, O, ORC, SNV, SPLS, UL, WIN, and YUM.

Weekend Stock Thoughts 1/19/15

Overall, my paper value took some big hits this months as the stock market went down. Oil continues to decline which means the stock market has been a very volatile. Dividend investing seems to be working out pretty good for me, but growth and momentum stocks haven’t been doing so well. Which is sad because that there is a lot of money to be made in growth and momentum stocks. I have been experimenting recently with a few REITs, we will have to see how those develop. I like the idea of getting monthly dividends, but they seem a bit more riskier. Without further ado, here is where I am currently at.

$AGNC (American Capital Agency Corp.) Cost Per Share: $22.13 Current Price: $21.80
This is what is known as a REIT (Real Estate Investment Trust). What they do is they take capital from investors like me and then lend it out into income producing real estate and then pay it back out to the investors on a monthly basis. I have added a few of these types of stocks as a way to boost my dividend income on months where dividends are not so common (like February).

$BRK.B (Berkshire Hathaway Inc. Class B) Cost Per Share: $134.92 Current Price: $149.21
Not much to report here. Declined a little bit this last week in price but overall the trend line is intact so it is still good.

$CAMP (Cal Amp) Cost Per Share: $18.54 Current Price:$16.57
As a growth stock this company had a very bad week with it’s stock price. Not worried about it too much. There are still a lot of orders for this company in the works.

$CNSL (Consolidated Communications) Cost Per Share: $21.62 Current Price: $24.12
Still in it, still getting dividends.

$FPI (Farmland Partners Inc.) Cost Per Share: $11.71 Current Price: $10.78
Still a little underwater on my CPS but as dividends comes in that of course goes down.

$FTR (Frontier Communications Corp.) Cost Per Share: $6.62 Current Price: $6.83
I read a lot of negative articles on this company and considering how utilities have been doing I thought it would have gone down but it didn’t, it went up. No complaint from me, nice dividend stock.

$GE (General Electric Co.) Cost Per Share: $27.82 Current Price: $23.59
Still holding. This company unfortunately has a lot of exposure to energy, but that could be a boom soon.

$HAS (Hasbro Inc.) Cost per share: $54.32 Current Price: $52.54
This is a new purchase for me. I bought it because I wanted more dividend payouts for February.

$LOAN (Manhattan Bridge Capital Inc.) Cost Per Share: $3.79 Current Price: $3.60
Value went down recently but the dividend payout is good and I just got paid so I am happy with where I am at.

$NQ (NQ Mobile) Cost Per Share: $6.13 Current Price: $4.08
I sold out on this stock at $4.10. The current rumor is that the former CEO left on a mental leave of absence. The numbers on their buyback announcement and their intention to go through with the Sky Mobile merger don’t add up to me. I’d rather take the loss and move on.

$O (Realty Income Delaware) Cost Per Share: $48.57 Current Price: $52.65
I got into this stock on a dip in price and plan to use it for it’s monthly dividend.

$ORC (Orchid Capital Incorporated) Cost Per Share: $13.66 Current Price: $13.23
Can’t complain about monthly dividends.

$PLUG (Plug Power Inc.) Cost Per Share: $3.92 Current Price: $2.67
Lowered my cost per share a bit with some additional shares but I am still way underwater on this stock. I think the conference call on 1/28/15 will be good, but you never know with this stock.

$SNV (Synovus Financial Corp.) Cost Per Share: 27.12 Current Price: $25.05
Keeping steady on this stock.

$SPLS (Staples Inc.) Cost Per Share: $12.99 Current Price: $17.35
I have the dividends in this stock automatically reinvested which funny enough made the CPS go up, but I ok with that because those additional shares are in my mind free.

$UL (Unilever PLC) Cost Per Share: $40.76, Current Price: $41.78
Still buying.

$VLTC (Voltari Corp.) Cost Per Share: $1.26, Current Price: $1.22
Like Net Quin mobile this company derives income from mobile marketing. It’s stock history hasn’t been that good, but I like their database management which I think might help out the stock price.

$WIN (Windstream Holdings Inc.) Cost Per Share: $10.67 Current Price: $8.24
I am holding on this stock. The Street has a lot of short interest on it but I think it will be ok.

Stock Idea for 2015

2014 was a banner year for me. I learned a lot about many different stock investments. The best part about it is that I earned a lot of money! Thanks in big part to the stock market I can say that I am not completely debt free. My main goal now for my stocks is to be financially independent. I don’t want to not work, but I want to know that if for some reason I couldn’t work me and my family would be ok. I think the best way to achieve that is going to be with dividend stocks. I am also starting up a little fund for a trip I have planned to go to Japan and climb Mt. Fuji. If I can save well I think I can be ready for a nice trip in July of 2016. If I plan really well I will have a nice vacation fund that will continually repay itself.

I am looking for good growth companies that might have the potential for buyouts or buybacks as well. In December I added a new investment account through a company called Robinhood. It should be an interesting experiment. They offer no fee trades on US traded stocks. It is a very “bare bones” type of trading. The good thing is the app that you use to trade is very easy to use. Currently they only accept new accounts by invitation. If you are interested in an invitation please let me know (I have 5 that I can give out).

Here is where I am as of today:

$BRK.B (Berkshire Hathaway Inc. Class B) Cost Per Share: $134.92 Current Price: $150.15
The stock in general is doing well. I wouldn’t call it a value right now at this price, but it is steady in it’s growth.

$CAMP  (Cal Amp) Cost Per Share: $18.54 Current Price:$18.30
This is stock is a value at this price. I plan to buy more. It will be easy to flip it at $20.

$CNSL (Consolidated Communications) Cost Per Share: $21.62 Current Price: $27.83
Still in it, still collecting dividends. I plan to be here for a long time.

$FPI (Farmland Partners Inc.) Cost Per Share: $11.72 Current Price: $10.41
They have a lot of good real estate deals in the works which is good, but I am not sure if the real estate market is coming back this year. At this point I rank this stock a hold.

$FTR (Frontier Communications Corp.) Cost Per Share: $6.62 Current Price: $6.67
I read a lot of negative news on this stock, but it is kicking strong. I think we are on an uptrend on this one and will probably buy more soon.

$GE (General Electric Co.) Cost Per Share: $27.82 Current Price: $25.27
Downgrading to a hold for me.

$LOAN (Manhattan Bridge Capital Inc.) Cost Per Share: $3.79 Current Price: $4.00
Just started a position on this dividend paying stock.

$NQ (NQ Mobile) Cost Per Share: $6.13 Current Price: $3.91
Poor management. I am just trying to strategically sell out what I have left. That last conference call was a joke, the only two questions given were sad and who let’s Carson Block onto a conference call?

$ORC (Orchid Capital Incorporated) Cost Per Share: $13.66 Current Price: $13.05
A good dividend stock. I think it will bee a nice steady form of income for me.

$PLUG (Plug Power Inc.) Cost Per Share: $4.60 Current Price: $3.00
It has until the first week of February to make and announce a new sale of forklift units or I am selling.

$SNV (Synovus Financial Corp.) Cost Per Share: 27.05 Current Price: $27.09
I really like the dividend payout on this stock.

$SPLS (Staples Inc.) Cost Per Share: $12.96 Current Price: $18.12
Everyone thought the merger couldn’t happen and now it is. Traffic in the stores continue to do well.

$UL (Unilever PLC) Cost Per Share: $40.75, Current Price: $42.42
Still buying.

$WIN (Windstream Holdings Inc.) Cost Per Share: $10.67 Current Price: $8.24
I am holding on this stock. The Street has a lot of short interest on it but I think it will be ok.

2014 started really well and kind of died out in the end as investors cashed out. I am hoping the same trend continues for 2015. If so I think I can time some of my purchases a little better.

Weekend Stock Thoughts 12/7/14

The Russian Ruble has really taken a beating lately with falling oil prices. The general consensus seems to be that we are in a new era of low oil prices but like always I see the prices going down a lot faster than they go up, but it has been good to our economy in the short term to have less expenses. In the long term I think consumers will continue to suffer from short term memory and oil is going to eventually go back which makes the current stock prices in energy stocks very appealing to me.

This month I got a little bit of an extra boost in that I got paid out on my overtime. I used almost all of that money to invest into new stocks. I much rather save up my money and get closer to financial freedom than to buy a new laptop or a bunch of new music. I guess that is not the consumer way of things, but to me it is all about putting it into perspective and not cheating myself in the long term by pleasing myself today.

As such I am currently building up a new set of dividend stocks. I now have enough dividend stocks to get something (also very small) every month. My plan is to slowly build on that until I have a nice monthly revenue. That being said I still haven’t given up active investing and have several swing plays I am currently going after.

Here is where I am as of today:

$BRK.B (Berkshire Hathaway Inc. Class B) Cost Per Share: $134.92 Current Price: $150.68

I can’t believe how much money I make off this stock. It is just a class B stock, it isn’t like it even has voting rights. Tells me people are very undecided right now, but I guess their loss is my gain.

$CAMP (Cal Amp) Cost Per Share: $18.54 Current Price:$19.21

Kind of subdued right now, but still doing well. I expect a new contract announcement soon.

$CNSL (Consolidated Communications) Cost Per Share: $21.62 Current Price: $27.38

Still my favorite dividend stock. Nice and steady.

$FPI (Farmland Partners Inc.) Cost Per Share: $11.72 Current Price: $11.11

Still not sure about this stock, but it is slowly making it’s way and the dividends make it tolerable.

$FTR (Frontier Communications Corp.) Cost Per Share: $6.62 Current Price: $6.90

$GE (General Electric Co.) Cost Per Share: $27.82 Current Price: $26.02

Definitely a stock affected by the oil crisis, but I think there is opportunity here to accumulate and so I probably will be adding soon.

$NQ (NQ Mobile) Cost Per Share: $6.13 Current Price: $6.54

Slowly rising, I can see the short interest decreasing I have a good feeling it will see it’s day soon.

$PLUG (Plug Power Inc.) Cost Per Share: $4.60 Current Price: $3.60

Added at 3.48 to lower my cost on this stock. You’d think a 20M contract would be a good reason for it to shoot up but shorts are doing a good job keeping it down. I expect more details next week on the new telecommunications deal which should help it a little bit. February is going to be the crucial test when they announce earnings.

$SNV (Synovus Financial Corp.) Cost Per Share: 27.12 Current Price: $26.49

I probably bought this stock a little high, but I really like the company. A small financial bank with good dividends makes this stock very attractive. I have been watching them for a long time looking for a good entry point and felt like I was chasing a bit, but in the end just decided to go for it.

$RSH (Radio Shack Corp.) Cost Per Share: $1.21 Current Price: $.59 Price Sold: $.63

It was hard for me to take such a steep loss, but I know when to get out and that is good. Lender is calling a default which I think is not accurate, but when even your lender doesn’t believe in you it is time to move on. The lending terms even as they were, were kind of harsh. They really need to close more stores quickly to stop the bleed, but all this negative publicity in December is not helping the situation. Unfortunately, bankruptcy is their best hope, but I do hope they get a buyout. The name has been out there for 90 years.

$SPLS (Staples Inc.) Cost Per Share: $12.96 Current Price: $14.38

I love it when a plan comes together. I have noticed by the foot traffic I see that this company is doing well and it shows in their stock price.

$UL (Unilever PLC) Cost Per Share: $40.75, Current Price: $42.42

I love how you have to use their products over and over again.

$WIN (Windstream Holdings Inc.) Cost Per Share: $10.67, Current Price: $9.70

A lot of day traders are downgrading this stock saying it can’t keep up their dividend payout. I think there is still hope in this stock and I hope to see a reversal soon. Many times day traders say the opposite of what they do. Follow the options and you get a better picture of how people really think.