Sunday, May 22, 2016

Stocks Added to Collection of Stock Analyses - May 2016 (Week 20)

For those who are not yet familiar with our extensive collection of individual dividend stocks. The entire collection is currently comprised of 1,188 stock analyses (and still growing). The collection essentially provides links to various stock analyses that we found throughout the dividend blog community since 2013. Last year we added a total of 445 stock analyses to the collection. If you would like to view archives from previous years, please follow the respective links provided at the end of this post. 

2016
Our currently readers already know that we recently began providing weekly updates. We started providing weekly updates back in November of 2015 and we are committed to continuing with the weekly updates throughout 2016. We hope the weekly updates not only provides more value to our readers but also helps ensure that we continue to keep our collection up to date.  Our 2016 Collection is now comprised of 194 stock analyses to date.
     
May 2016 - Week 20 of 52:
Thankful for a second consecutive week where the balance of work and home life was once again manageable. 

Below is a list of newly added stocks analyses for the 3rd week of May: 
  1. Abott Laboratories (ABT)
    • by DividendTIME
  2. AT&T Corp (T)
    • by Dividends Growth Investor
  3. Colgate Palmolive Co (CL)
    • by Dividends Growth Stocks
  4. Cisco Systems Inc (CSCO)
    • by The Conservative Income Investor
  5. Exxon Mobil Corp (XOM)
    • by Dividends Growth Investor
  6. SCANA Corp (SCG)
    • by Harvesting Dividends
  7. Wal-Mart Stores Inc (WMT)
    • by Dividends Growth Stocks
  8. Wal-Mart Stores Inc (WMT)
    • by DividendTIME
                  Links provided directly in this post!

                  Please feel free to leave me a message if you prepared a stock analysis that I did not include in my post.  I would be more than happy to add your stock analysis to both this post and our collection of stock analyses.  Please make sure to confirm that it is a dividend paying stock and that it is a individual stock analysis.
                    
                  My goal is to make this collection become the centralized source where one begins their research on a particular dividend stock company or at the very least, a source to confirm if a company stock is worth buying. Whether your a beginner or a veteran, I want this list to become an invaluable reference tool for you all. Best part, unlike other subscription based sites, I plan to keep this completely free for everyone to enjoy and benefit from.

                  Feel free to share with all of your friends and family! 


                  Click on Link Below

                  2016 - Collection of Stock Analyses

                  (Archived 201520142013)



                  Also don't forget to check out our:

                  Collection of Recent Buys




                  Wednesday, May 18, 2016

                  P2P Accounts (Update) - May 2016


                  On May 1st, our Lending Club account balance was at $7,412.09We had $3,698.61 in available cash and out outstanding principal stood at $3,713.48
                  As our followers may already know, it has been more and more difficult to find and buy notes that meet our criteria.  We don't have the time to search for notes each morning as we once had so we now rely on the automatic investing tool. Unfortunately, we've just haven't had much success through automatic investing.  So in September, since we had way too much money sitting idle, we decided to open a new Loyal3 account. We will still keep our P2P accounts but our plan is to continue to move idle cash back to our bank account and invest the money into our new Loyal3 account. We obviously need to do a better to job moving this idle cash because our available cash continues to grow each and every month.
                  From our outstanding notes, we did receive $25.55 in interest. Unfortunately, we had several charged-off loans totaling $30.45 this past month. So this past month, we actually saw a net loss of $4.89, further validating our reason and need to find a new way to grow our money.
                  Once again, the automatic investing tool for Lending Club didn't manage to pick up any new notes this past month. In all, our total continuous to dwindle down and currently stands at 295 outstanding notes (66 notes have settled since our February post).  On the bright side, although our outstanding notes are not growing well, we have now seen a total of 989 notes paid in full. Oh well, it was good while it lasted. You know what they say, all good things generally come to and end at some time. :)    
                  As you can see our  295 active notes are part of a very conservative mix with 71% of the notes being A Rated, 26% are B Rated, and 2% are C Rated. Even though we've seen 66 notes settle since February, this mix remains identical to our mix in February. Again, I'm not too sure why it doesn't add up to 100% but I assume that these number have been rounded down as they were closer to the lower number. 
                  We are currently generating a Net Annualized Return of 5.35% (down .05% from February report) on our seasoned notes. 
                  _____________________________________________________________ 
                  
                  On May 1st, our Prosper account balance was at $10,266.80 ($71 more than our February report). We had $2,127.06 in available cash, $82.72 in pending payments, and out outstanding principal stood at $8,057.03.
                  All in all, our Prosper account is certainly seeing better performance than our Lending Club account, however, the struggle to find additional notes and having too much idle cash also exists for our Prosper account. 
                  From our outstanding notes, we received $301.45 in payments from our active notes. From those payments, we received a total of $47.19 in interest and with one loan for $6.33 charged-off and $7.32 service and collection fees this past month. Surprisingly, we also managed to acquire $1,040.35 into new notes this past month. Still not happy with the amount of excess cash but it is leaps and bounds above Lending Club. We've essentially given up on Lending Club but hold some hope that our Prosper account can continue to thrive for a bit longer. 
                  Similar to our Lending Club notes, the our Prosper notes are invested into a similar conservative mix. As you can from the pie chart above, majority of our notes are have an A or AA rating. Although we do have a few C rated notes, they make up a very small part of our investments.  
                  We are currently generating an Annualized Return of 6.59% on our seasoned notes and 6.27% on all notes. 
                   _______________________________________________________________

                  Below are the updated numbers that include both Lending Club and Prosper accounts: 
                  Total Value of Both P2P accounts: $17,678.89

                  Estimate Average Interest Earned: 5.81%

                  Click below to view our peer-to-peer lending accounts history

                  PEER-TO-PEER LENDING ACCOUNTS

                  ________________________________________________________________  


                  NOTES CRITERIA:

                  Our family has been investing in peer-to-peer lending notes for approximately 3 years now. And because of past defaults, we have now refined our search criteria. As a result, we now take a slightly more conservative approach with the notes we invest in. Currently, we only invest in notes that fit the following initial criteria:
                  • Amount requested is under $6,000;
                  • Credit score of 700 or more; and
                  • Monthly payment will be less than $250.
                  From those we evaluate (Employment Status):
                  • The borrower's income (prefer > $50,000 but depends on amount requested);
                  • Length of employment (must be > 2 years); and
                  • Their occupation (certain occupations, known to be more secured, are more desirable).
                  We then look at (Ability To Pay):
                  • Their credit history;
                  • Revolving balance; and
                  • Debt to income level, etc.
                  We do not invest in any notes where borrow is currently delinquent, of if they have had  a public record within the last 12 months. We also do not invest in notes where the description provided is "Other." We feel that there is too much risk involve when the borrower is not willing to reveal why he/she needs the money.

                  Sunday, May 15, 2016

                  Stocks Added to Collection of Stock Analyses - May 2016 (Week 19)

                  For those who are not yet familiar with our extensive collection of individual dividend stocks. The entire collection is currently comprised of 1,180 stock analyses (and still growing). The collection essentially provides links to various stock analyses that we found throughout the dividend blog community since 2013. Last year we added a total of 445 stock analyses to the collection. If you would like to view archives from previous years, please follow the respective links provided at the end of this post. 

                  2016
                  Our currently readers already know that we recently began providing weekly updates. We started providing weekly updates back in November of 2015 and we are committed to continuing with the weekly updates throughout 2016. We hope the weekly updates not only provides more value to our readers but also helps ensure that we continue to keep our collection up to date.  Our 2016 Collection is now comprised of 186 stock analyses to date.
                       
                  May 2016 - Week 19 of 52:
                  Finally had a week where balancing work and home life actually felt more manageable.  It'e been a pretty busy April and May for this frugal family but there is a light at the end of the tunnel. Part of the time, we've been planning our summer road trip/vacation. I'm not going to say that we are back to weekly update posts just yet, but hoping to get a few consecutive weekly posts in before we head out on vacation in June. 

                  Below is a list of newly added stocks analyses for the 3rd week of May: 
                  1. Alfac Inc (AFL)
                    • by Sure Dividend
                  2. Archer Daniels Midland Co (ADM)
                    • by Dividends Growth Stocks
                  3. Chevron Corp (CVX)
                    • by Sure Dividend
                  4. Eaton Corp (ETN)
                    • by Dividends Growth Stocks
                  5. Johnson & Johnson (JNJ)
                    • by Dividends Growth Stocks
                  6. Prosperity Bancshares Inc (PB)
                    • by Harvesting Dividends
                  7. United Parcel Service Inc (UPS)
                    • by Dividend Value Builder
                    • Verizon Corp (VZ)
                      • by Dividend Growth Investor
                    • V.F. Corporation (VFC)
                      • by DividendTIME
                                  Links provided directly in this post!

                                  Please feel free to leave me a message if you prepared a stock analysis that I did not include in my post.  I would be more than happy to add your stock analysis to both this post and our collection of stock analyses.  Please make sure to confirm that it is a dividend paying stock and that it is a individual stock analysis.
                                    
                                  My goal is to make this collection become the centralized source where one begins their research on a particular dividend stock company or at the very least, a source to confirm if a company stock is worth buying. Whether your a beginner or a veteran, I want this list to become an invaluable reference tool for you all. Best part, unlike other subscription based sites, I plan to keep this completely free for everyone to enjoy and benefit from.

                                  Feel free to share with all of your friends and family! 


                                  Click on Link Below

                                  2016 - Collection of Stock Analyses

                                  (Archived 201520142013)



                                  Also don't forget to check out our:

                                  Collection of Recent Buys





                                  Wednesday, May 11, 2016

                                  Mortgage Balance (UPDATE) - MAY 2015

                                  If you have viewed our family's Net Worth Page, you probably already know that it does not include the equity in our home.  Although, we do realize that it is technically part of our overall net worth, we decided that since our home equity is not an asset that we can count on for income (unless we sell and buy something cheaper) we would exclude it from our net worth calculation.

                                  For the purpose of this blog, we are more interested in documenting our loan balance rather than our home equity.  With that said, we will use the current Zillow value as our estimated home value and use it to figure out the percentage we owe on our home. For those interested, we will include the amount of our home equity, but know that we are less concerned with the equity since we have no plans to cash out or otherwise sell our home. Our main goal is to pay off our home on or before my retirement date. 


                                  HOME VALUE:
                                  According to Zillow, our home is currently worth: $773,367 (up $2,570 in the last 30-days). If you follow us, the reality is that whether our home prices rise or fall, it really doesn't mean much to our family as we have no intentions to sell or otherwise move.  We are very lucky to be able to say that we love were we are and couldn't see ourselves living and/or raising our family any other place. :)

                                  Mortgage Balance (As of April 1st):
                                  $306,202 (down $1,862 from our last post)

                                  Percentage Owed:
                                  39.5% (down from .4% from our last post)

                                  Home Equity:
                                  $467,165 (up $3,229 from our last post)
                                     

                                  Mortgage Background:
                                  For those that have not read the Preface on our home equity, we currently hold a 15-year fixed rate mortgage at the incredibly low rate of 2.875%.  My goal is to retire within 11 years and 1 months (133 months) so we are setting out to pay off our mortgage on or before my retirement date. Right now we are a few months behind the target retirement date. Currently, we have approximately 11  years  -11 months (143 months) left on our mortgage.  Nevertheless, I would like to have it paid off in another 10 years (or less). If we accomplish that, I plan to use the last few years to aggressively build our passive income to help supplement our retirement and defer tapping into the 457K as long as we can so it can continue to grow. 

                                  Right now we are not putting any extra money towards the principal given our low 2.875% interest rate. We feel that we could make our money grow faster by investing it and while keeping the money more liquid. At a certain point, maybe in 8-10 years, we may consider using money from our investment accounts to wipe out the remaining mortgage balance.  Until then, we will continue to grow that money outside, rather than have it locked into our home.
                                    
                                  Click on the link below to view our mortgage balance history:

                                  Sunday, May 8, 2016

                                  Stocks Added to Collection of Stock Analyses - May 2016 (Week 17 & 18)

                                  For those who are not yet familiar with our extensive collection of individual dividend stocks. The entire collection is currently comprised of 1,172 stock analyses (and still growing). The collection essentially provides links to various stock analyses that we found throughout the dividend blog community since 2013. Last year we added a total of 445 stock analyses to the collection. If you would like to view archives from previous years, please follow the respective links provided at the end of this post. 

                                  2016
                                  Our currently readers already know that we recently began providing weekly updates. We started providing weekly updates back in November of 2015 and we are committed to continuing with the weekly updates throughout 2016. We hope the weekly updates not only provides more value to our readers but also helps ensure that we continue to keep our collection up to date.  Our 2016 Collection is now comprised of 177 stock analyses to date.
                                       
                                  May 2016 - Week 17 & 18 of 52:
                                  Balancing work and home life is sometimes a hard feat. Unfortunately, that means that these updates (and blogging in general) have taken a back seat to life lately. We started out doing weekly updates but that is too challenging to manage. Regardless, I am committed to bringing everyone these updates at least 2 a month. :)

                                  Below is a list of newly added stocks analyses for the 1st and 2nd week of May: 
                                  1. Archer Daniels Midland Co (ADM)
                                    • by Sure Dividend
                                  2. BP Plc (BP)
                                    • by The Conservation Income Investor
                                  3. Casey's General Store Inc (CASY)
                                    • by Harvesting Dividends
                                  4. Caterpillar Inc (CAT)
                                    • by Dividends Growth Stocks
                                  5. CBS Corp (CBS)
                                    • by The Conservation Income Investor
                                  6. Chevron Corp (CVX)
                                    • by Dividends Growth Stocks
                                  7. Chevron Corp (CVX)
                                    • by Income Surfer
                                  8. Cisco Systems Inc (CSCO)
                                    • by Dividends Growth Stocks
                                  9. Consolidated Edison Inc (ED)
                                    • by Dividends Growth Stocks
                                  10. Microsoft Corp (MSFT)
                                    • by Sure Dividend 
                                  11. Monsanto Company (MON)
                                    • by Harvesting Dividends
                                  12. Norfolk Southern Corp (NSC)
                                    • by Harvesting Dividends
                                  13. Pfizer Inc (PFE)
                                    • by Dividend Value Builder
                                  14. Stanley Black and Decker Inc (SWK)
                                    • by Dividend Diplomats
                                              Links provided directly in this post!

                                              Please feel free to leave me a message if you prepared a stock analysis that I did not include in my post.  I would be more than happy to add your stock analysis to both this post and our collection of stock analyses.  Please make sure to confirm that it is a dividend paying stock and that it is a individual stock analysis.
                                                
                                              My goal is to make this collection become the centralized source where one begins their research on a particular dividend stock company or at the very least, a source to confirm if a company stock is worth buying. Whether your a beginner or a veteran, I want this list to become an invaluable reference tool for you all. Best part, unlike other subscription based sites, I plan to keep this completely free for everyone to enjoy and benefit from.

                                              Feel free to share with all of your friends and family! 


                                              Click on Link Below

                                              2016 - Collection of Stock Analyses

                                              (Archived 201520142013)



                                              Also don't forget to check out our:

                                              Collection of Recent Buys






                                              Saturday, May 7, 2016

                                              Fun Goals (Update) - Just finished hike no. 21

                                              Life has been hectic lately for the this Frugal Family, but the journey is so rewarding when you can find just the right balance between work and fun. I'm not sure what all of you do for fun but our family loves to hike every chance we get. In fact, we are planning an 8-day road trip this summer to hike Nevada, Arizona, and Utah!   
                                              Below are some photos of our recent hikes:


                                              Hellman Wilderness Park - Whittier CA
                                              These photos were from a recent hike I did before work one morning.  I took a few hours off in the morning to enjoy this short but challenging hike.  If you go to both water towers, the trail is roughly 5.5 miles long. Believe it or not, I jogged this trail.  Jogging served two purposes: 1) It made it more challenging; 2) I ended up getting to work only 2-hours later than normal (costing me only 2 hours of my vacation bank).    

                                              View from the top of trail
                                              About half-way up
                                              Buddhist Pagoda in nearby Rose Hills Cemetery
                                              One of destination H2O towers on the trail


                                              Aliso and Wood Canyons Wilderness Park - Laguna CA
                                              Last weekend, my wife and I enjoyed a local hike (without kids). My in-laws were in town for my son's birthday so we took advantage of the free baby-sitting to enjoy a nice morning hike. My wife doesn't hike as often as I do so she though this one was pretty challenging.  There are trails ranging from .75 miles to 11.7 miles. My wife and I ended up doing roughly 6 miles. 

                                              Ocean views from "Top of the World"
                                              One of several tree canopies
                                              One of several natural caves
                                              Car Wreck destination
                                              Narrow path

                                              Including these two hikes, I just completed my 21st hike.  I am now only just 5 hikes away from completing my 2016 fun goal of 26 hikes!  Since I think I'm going to blow right past the 26 hikes goal, I've decided to take the 52-week hike challenge.  Although I'm not posting them here, I log in each hike to see how many different hikes, total distance, and elevation climb I will end up with at the end of the year.  Can't wait to reflect back on the many adventures of our journey...making memories to last a life time! 

                                              Thanks for following along on your journey. Once again, I hope everyone is enjoying the added personal touch to our blog. :)

                                              Best wishes, AFFJ

                                              Friday, May 6, 2016

                                              Dividend Stocks Portfolio (UPDATE) - April 2016

                                              Here is the recent update to our dividend stocks portfolio – April 2016.

                                              SALES 

                                              This past month, we continued to sell shares of a few more companies from our family's dividend stocks portfolio.  We feel that the market has had a nice rebound since the slow start to the year and before it decides to give some of gains back we though we'd cash out some profits. In all, a total of 12 sell orders were executed. Below are the actual executed sales transactions (no commission was charged since we get 100 free trades per year):

                                              04/5/16 - BPY (Brookfield Property Partners) - 20 shares/$22.70
                                              04/5/16 - TGT (Target Corp) - 5 shares/$82.31
                                              04/5/16 - PM (Phillip Morris Int'l Inc) - 3 shares/$100.25
                                              04/5/16 - MCD (McDonalds Corp) - 3 shares/$126.60
                                              04/5/16 - GE (General Electric Co) - 15 shares/$30.05
                                              04/19/16 - BPY (Brookfield Property Partners) - 10 shares/$24.00
                                              04/19/16 - FTR (Frontier Communications) - 25 shares/$5.65
                                              04/20/16 - MCD (McDonalds Corp) - 3 shares/$129.31
                                              04/20/16 - ARTNA (Artesian Resources Corp) - 30 shares/$29.50
                                              04/27/16 - TGT (Target Corp) - 10.071 shares/$83.33
                                              04/27/16 - AFL (Aflac Inc) - 10 shares/$68.75
                                              04/29/16 - TCK (Tech Resources Ltd) - 50 shares/$12.00
                                              • SUMMARY OF SALES:
                                                • Original cost basis: $4,342.03
                                                • Total value of all sales: $5,483.53*
                                                • Net Profit: $1,141.50 (20.8% gain)

                                              * All sales were stocks owned for more than 1-year to the gains will be taxed at capital gains rate.


                                              Although it was nice to take some profits off the table; unfortunately, the recent sells did impact our annual dividends. Overall, our 12 stock sells decreased our annual dividends by: $173.61  No regrets as I plan to re-invest the over $5K in proceeds into more dividend paying stocks.  The goal is to find ones at better values than the ones we sold.  We are now sitting more cash than I would like idle so hopefully we can put it to use this coming month. :)
                                                 

                                              PURCHASES

                                              Once again, we didn't make any buys for our family's dividend stocks portfolioWe started the year off on a strong note but have not made a single purchase since January.  For now, we've decided to stock pile cash and wait for the next pull back.  Let's hope it happens soon because it not easy to see your money remain idle for months. :)
                                              TOTAL SPENT ON NEW ACQUISITION: $0

                                              OVERALL INCREASE TO ANNUAL DIVIDENDS$0

                                              Our estimated annual income currently stands at $3,626 (including our Edward Jones account) or and average of approximately $302/month.

                                              DIVIDENDS

                                              During the past month, our family received dividends from a total of 13 companies/ETFs/Partnerships!! The total dividends received from those 13 companies/ETFs/Partnerships was: $365.91

                                              Below is a breakdown of the dividends received this past month:


                                              WELLS FARGO INVESTMENT ACCOUNT:
                                              04/01/16 - BPY (Brookfield Property Partners): $17.85
                                              04/01/16 - GPC (Genuine Parts Co): $3.29
                                              04/04/15 - WMT (Walmart Stores Inc): $20.50
                                              04/11/16 - PM (Phillip Morris Int'l Inc): $7.14
                                              04/15/16 - WPC (WP Carey Inc): $5.85
                                              04/15/15 - VER (Vereit Inc): $61.88
                                              04/15/16 - OXY (Occidental Petroleum Corp): $15.00
                                              04/15/16 - ARI (Apollo Commercial Real Estate): $58.10

                                              04/25/16 - GE (General Electric Co
                                              ): $10.35
                                              04/27/16 - BNS (Bank of Nova Scotia): $8.55
                                              04/28/16 - ORCL (Oracle Corp): $1.65
                                              04/29/16 - AMTG (Apollo Residential Mortgage Inc): $99.49


                                              EDWARD JONES INVESTMENT ACCOUNT:
                                              04/28/16 - CMCSA (Comcast Corp): $56.26

                                              OVERALL DIVIDENDS TOTAL THIS MONTH: $365.91


                                              In case you interested, our family's dividend stocks portfolio 
                                              may be found by clicking on the link below: