Sunday, August 2, 2015

Collection of RECENT BUYS (Summary) - July 2015

Since I began investing in dividend stocks approximately two years ago I've been keeping a personal log of what other dividend bloggers and dividend investors are buying.  Until now, I've just done it for my own personal knowledge and it has proven to be a great resource I use when I have no idea what I should buy. 

The collection essentially highlights the Recent Buys I have discovered throughout the dividend blog community. I always like to see what others are buying.  And with this collection, one can easily see all the buys in one centralized source. I Hope everyone has found it to be a great resource!


In case you just want a quick summary of what everyone has been buying this past month, below is a chart that depicts just that! :) 
(The chart and table above only includes companies with more than 3 buys)

The buying activity around the DGI community continued its momentum throughout the month of July. Although I believe the growing number of buys is somewhat related to my continued efforts to provide a more complete list, another record was set this past month for the highest number of buys logged by the DGI community in a single month. In all, a total of 94 buys were found throughout the month of July. 

Once again, since there were so many buys logged, we have only charted those companies with 3 or more buys (we originally charted companies with 2 or more buys).  

To summarize, out of a total of 94 buys found around the DGI community, a total of 53 companies were purchased, with 23 companies bought more than once.  
  1. The most popular company this past month was Emerson Electric (EMR)which was purchased by 6 different investors throughout the DGI community.  
  2. In second place was Chevron Corp (CVX), which was purchased by 5 different investors throughout the DGI community. 
  3. Third place was a tie between Toronto-Dominion Bank (TD), Caterpiller Inc (CAT), Wal-Mart Stares (WMT) and Omega Health Care Investor Inc (OHI) with a total of 4 buys.  
The following companies each had 3 buys (3 total)

  • Union Pacific (UNP), 3M (MMM), Kinder Morgan Inc (KMI). 

And although not included in the chart, the following companies each had 2 buys (14 total)

  • T.Rowe Price (TROW), Qualcomm Inc (QCOM),  Oneok Inc (OKE), National Oilwell Varco (NOV), Norfolk Southern (NSC), Realty Income Corp (O), Dover Corp (DOV), Ventas, Inc (VTR), Inter Pipeline Ltd (IPL), Royal Bank of Canda (RY), Canadian Imperial Bank of Commerce (CM), Bank of Montreal (BMC), International Business Machine (IBM), Target Corp (TGT).
I am happy and thankful to report that our family remained active during the continued buying frenzy this past month.  During the month of July, we picked up shares in CVX, EMR, UNP, MMM, and TD for our family's dividend stocks portfolio.  Can't wait til the forward dividends from our recent buys show up in future dividend income reports!!

What have you been buying?  Please feel free to share in the comments or send me a link to your Recent Buy post in case I happened to have missed it.

Don't forget to bookmark or add this page to your favorites!!


If you have a chance, make sure you also take a look at my Collection of Stock Analyses!! As with my collection of recent buys, my goal is to make this collection also become a centralized source for everyone. It could become a place where one can get ideas on what to invest in next, to establish a desired stock purchase price, or simply to see what your favorite bloggers are buying.  Whatever your reason, my hope is that this collection proves to be a great reference tool and helps provide you that little extra advantage that you are looking for in order to succeed with your investing.

Saturday, August 1, 2015

P2P Accounts (Update) - July 2015

On July 1st, our Lending Club account balance was at $9,374.86We received $526.74 in payments from our 431 active notes; of which, we received $52.25 in interest. The principal balance of our  active notes was $7,104.97, with $25.00 of loans in review or funding and a remaining cash balance of $2,269.89.  We are currently generating 5.27% on our seasoned notes. No loans were charged off this past month.   

If you follow us, you know that we've been struggling to find and buy notes that meet our criteria.  We no longer have the time to look for notes as we had in the past when it was our early morning ritual.  We now rely on the automatic investing tool to find and buy our notes for us.  Unfortunately, the automatic investing (at least for Lending Club) has proven to be a terrible way to grow our account.  

Our account did grow $94.84 since our last post in May.  But the growth is simply from existing notes.  Unless we continue to find and buy new notes, the growth rate will slowly decline as the outstanding balance from older notes continue to diminish. The saddest reality is we are now sitting on over $2,200 in cash but there is not enough notes out there to keep pace with our cash flow from existing notes. Our cash flow is growing by approximately $350 a month, which means our outstanding balance is shrinking by almost that much each month.  I think it might be time to look for an alternative investment for our idle cash.  Loyal 3 maybe?  

_____________________________________________________________ 

On July 1st, our Prosper account balance was at $9,360.81We received $486.34 in payments from our 412 active notes; of which, we received, $60.26 in interest. The principal balance of our active notes was $8,589.96 with $428.00 of loans in review or funding and a remaining cash balance of $899.14. We are currently generating 6.65% on our seasoned notes, and 6.34% on all notes invested to date (includes profits from paid off notes). No loans were charged off this past month.   

Compared to Lending Club, Prosper has been much better in terms of putting our cash flow to use.  The automatic investing tool for Prosper found 24 notes this past month that met our criteria.  I'm happy to report that the cash balance in our Prosper account (as I am writing this post today) is now down to $50.40!  
Seeing the success with Prosper, we decided to transfer $500 from our Lending Club to our Prosper account.  We will continue to do so if our Lending Club account continues to show no progress.  

 _______________________________________________________________

Below are the updated numbers that include both Lending Club and Prosper accounts: 
Total Value of Both P2P accounts: $18,735.67
($185.95 increase from May post)

Estimate Average Interest Earned: 5.96%


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.

Friday, July 31, 2015

Retirement Accounts (Update) - July 2015



As our readers already know, our family has switched our focus towards diligently building our Dividend Stocks Portfolio and P2P Lending Accounts in an effort to building additional income streams for retirement so we don't have to solely rely on the typical retirement vehicles.

We will still continue to track are retirement accounts (pension, 457K, Roth IRAs) as they are still part of our retirement plan.  Plus, although they are mainly invested in mutual funds, we still need to keep an eye on them and re-balance them periodically.

EXISTING RETIREMENT ACCOUNTS

(JULY UPDATE):


Below is a quick update to show the current values of our retirement accounts as of July 1, 2015.  For a more comprehensive list of values and details of these accounts, please visit the RETIREMENT ACCOUNTS page on our blog.


As of July 1, 2015


PENSION
Cash Value of Pension$224,181
($2,359 increase from last month's update of $221,822)

457K
Total value of 457K: $122,671
($1,649 decrease from last month's update of $124,320)

Roth IRAs
Total value of Roth IRA accounts: $56,567
($1,250 decrease from last month's update of $57,817)

Although we continue to see gains in our pension account, partially because both my employer and I continue to contribute to it each and every paycheck, our retirements accounts still saw an overall decline of $540.  Nobody wants to see a decline in their investments and/or retirement accounts, but since I know we are still years away from retirement, I am actually thankful for the opportunity to buy more shares at lower costs during each and every dip we have.  

As it stands, the total amount of our retirement accounts is currently valued at: $403,419 (down from the $403,959 reported last month).  

Click below to view retirement accounts page

RETIREMENT ACCOUNTS


We currently contribute to my 457K (up to my company's match - 3%) and also $200 each to a Roth IRA for both myself and my wife. Although we are not entirely happy with their growth, we still feel that the 457K and Roth IRAs should remain part of our retirement plan.  If for nothing more, the 457K and Roth IRAs will help supplement my pension. With some of the uncertainties around government pension these days, they could very well serve as back-up plans as well. 

Wednesday, July 29, 2015

RECENT BUY : (NYSE: TD)

WE RECENTLY PURCHASED THE FOLLOWING









Toronto-Dominion Bank (TD)
Purchased 10 shares of TD on 7/28/2015 at $38.88
Total Spent: $388.80
$15.65 added to annual dividends

The Toronto-Dominion Bank provides financial products and services. It was founded on February 1, 1955 and is headquartered in Toronto, Canada. TD is the 2nd largest Canadian bank in terms of market capitalization.  TD Bank Financial Group is the sixth largest bank in North America by branches and serves more than 18 million customers in four key businesses operating in a number of locations in key financial centers around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Insurance; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America’s Most Convenient Bank; and Wholesale Banking, including TD Securities. TD Bank Financial Group also ranks among the world's leading online financial services firms, with more than 6 million online customers. TD Bank Financial Group has over $550 billion in assets.

Back on January 14th of this year, our family became shareholders of TD with our initial purchase of 10 shares at $42.00. The stock had eventually recovered from the January lows and, at one point, reached the $46.00 mark for a brief moment in April.  Since April, however, the stock has been on a continuous decline and today set another 52-week low at $38.66. 

We've been keeping a close eye on the stock since it dipped below the $40 mark and today decided to pull the trigger and add another 10 shares of TD to our portfolio. Our buy today was at the purchase price of $38.88 a share.   

With our recent purchase of TD, we added $15.65 in forward dividends to our family's dividend stocks portfolio. This now puts our yearly dividends at approximately $2,691/year (excluding our Edwards Jones account) and $3,049/year (including our Edward Jones account). Today's purchase was our 5th buy of the month. Looks like July will end as another active month for this Frugal Family of 4! :)

Since we had already held TD shares in 
our family's dividend stocks portfolios (WF and EJ Accounts), the portfolio remains unchanged at a total of 44 different dividend paying stocks/ETFs and also 4 companies that either don't pay a dividend our has currently suspended their dividends.


Our family's dividend stocks portfolio may be found
by clicking on the link below:

We also maintain an extensive list of stock analysis
that can be access through the link below:

We also just started a list of Recent Buys by other bloggers
that can be access through the link below:



HERE IS A QUICK FACT SHEET FOR THE STOCK I JUST PURCHASED:


Toronto-Dominion Bank (TD)
P/E: 12.07
Payout Ratio: 58%
Dividend Yield: 3.95%
Dividend Growth rate (5yr AVG): 10.0% 

4 consecutive years of dividend increases
Last Ex-dividend date: 7/7/2015
Next Ex-dividend date: approx. 10/7/2015
Have paid a dividend since: 1857 (158 years!)
Pays a dividend 4 times a year.
Market Cap: 73.2 Billion
52-week high: $53.49
52-week low: $38.92

Purchased Price: $38.88

What are your thoughts about my recent purchase?

What are you buying?

Sunday, July 26, 2015

RECENT BUY - (NYSE : MMM)

WE RECENTLY PURCHASED THE FOLLOWING


3M COMPANY (MMM)
Purchased 3 shares of MMM on 7/24/2015 at $149.31
Total Spent: $447.96
$12.30 added to annual dividends


Our purchase of 3M Company (MMM) was based on the results from our recent ASK THE READERS post. On Friday morning, with MMM seemingly this month's reader's pick, we decided to place an order to buy the stock at the current market price since it was down near the low for the day.  Minutes later, we got a notice that our buy was executed at a price of $149.31.  And just like that, we added another company to our family's dividend stocks portfolio

With the recent purchase 3M Company (MMM), our estimated forward dividends grew another $12.30, putting our yearly dividends at approximately $2,676/year (excluding our Edwards Jones account) and $3,034/year (including our Edward Jones account).

As mentioned previously, our recent purchase of MMM also added a new holding to our family's dividend stocks portfolio. We now have a total of 44 different dividend paying stocks/ETFs in our family's dividend stocks portfolios (WF and EJ Accounts).  We also own stocks in 4 companies that either don't pay a dividend our has currently suspended their dividends.

Our family's dividend stocks portfolio may be found
by clicking on the link below:

We also maintain an extensive list of stock analysis
that can be access through the link below:

We also just started a list of Recent Buys by other bloggers
that can be access through the link below:



HERE IS A QUICK FACT SHEET FOR THE STOCK I JUST PURCHASED:


3M COMPANY (MMM)
P/E: 19.49
Payout Ratio: 50%
Dividend Yield:2.75%
56 consecutive years of dividend increases
Last Ex-dividend date: 5/20/2015
Next Ex-dividend date: approx. - 8/20/2015
Have paid a dividend since: 1916 (99 years!)
Pays a dividend 4 times a year.

Market Cap: 94.7 Billion
52-week high: $170.50
52-week low: $130.60

Purchased Price: $149.31

What are your thoughts about my recent purchase?

What are you buying?

Friday, July 24, 2015

RECENT BUY - (NYSE : UNP)

WE RECENTLY PURCHASED THE FOLLOWING


Union Pacific Corp (UNP)
Purchased 6 shares of UNP on 7/23/2015 at $93.33
Total Spent: $559.98
$13.20 added to annual dividends

We have been watching Union Pacific Corporation (UNP) for while now and our interested only grew even more recently after seeing several bloggers post their Recent Buy of UNP.  Since we are trying to build and keep a portfolio of stocks for years to come, it makes sense to grab a few shares in the largest US railroad, right?

Union Pacific, founded in 1862, operates 32,000 miles of track that spans across 23 states. Plus, UNP connects with Canada's rail system. And they are also the only railroad that serves all six major Mexico gateways. In fact, the 2014 carload composition was 61% domestic and 39% international. UNP, therefore, clearly has some international exposure, which is one of the criteria we like to see from our stocks. 

With our recent purchase of UNP, we added $13.20 in forward dividends to our family's dividend stocks portfolio. This now puts our yearly dividends at approximately $2,663/year (excluding our Edwards Jones account) and $3,021/year (including our Edward Jones account).

Our recent purchase of UNP also added a new holding to our family's dividend stocks portfolio. We now have a total of 43 different dividend paying stocks/ETFs in our family's dividend stocks portfolios (WF and EJ Accounts).  We also own stocks in 4 companies that either don't pay a dividend our has currently suspended their dividends.


Our family's dividend stocks portfolio may be found
by clicking on the link below:

We also maintain an extensive list of stock analysis
that can be access through the link below:

We also just started a list of Recent Buys by other bloggers
that can be access through the link below:



HERE IS A QUICK FACT SHEET FOR THE STOCK I JUST PURCHASED:
UNION PACIFIC CORP (UNP)
P/E: 15.9
Payout Ratio: 34.18%
Dividend Yield: 2.37%
consecutive years of dividend increases
Last Ex-dividend date: 5/27/2015
Next Ex-dividend date: approx. - 8/27/2015
Have paid a dividend since: 1900 (115 years)
Pays a dividend 4 times a year.

Market Cap: 80.6 Billion
52-week high: $124.52
52-week low: $91.23

Purchased Price: $93.33

What are your thoughts about my recent purchase?

What are you buying?

Wednesday, July 22, 2015

ASK THE READERS - Should I buy VZ, IBM, MMM?


We started this series back in November as a way to add some fun to our buying process. We plan to continue doing these Ask the Reader post once a month (except when funds are limited) and will be maintaining the stocks purchased in a separate portfolio just to see how they perform. 

The three stocks we have chosen are stocks that are currently at the top of our watch list and thus stocks we would be comfortable buying regardless of the outcome.  But we thought it would be fun to get our readers input and see if collectively, we can all beat the market with this interactive portfolio. :) 

Below is a chart below of our ASK THE READER purchases to date: 



For each ASK THE READER post, we will select 3-4 current stocks on our watch list that we feel are worth buying.  But to add some fun into our buying process, we have decided to put our faith in our fellow bloggers and readers once a month. 

Please spend a few minutes to vote for ONE stock from the companies listed below.  Tell us why you like the stock that you picked. 

Thanks in advance for your STOCK PICK!











STOCK #1 - Verizon Communication Inc (VZ)
  • Sector: Communications
  • Market Cap: 189.45 Billion
  • Dividend Yield: 4.73
  • Consecutive years of dividend increase: 10 Years
  • Paying Dividends Since: 1984 (31yrs)
  • Payout Ratio: 91.49%
  • P/E Ratio: 19.27










STOCK #2 - International Business Machine (IBM)
  • Sector: IT
  • Market Cap: 157.9 Billion
  • Dividend Yield: 3.19% 
  • Consecutive years of dividend increase: 19 Years
  • Paying Dividends Since: 1916 (99yrs)
  • Payout Ratio: 32.7%
  • P/E Ratio: 13.97


STOCK #3 - 3M Company (MMM)
  • Sector: Health Care
  • Market Cap: 98.5 Billion
  • Dividend Yield: 2.63% 
  • Consecutive years of dividend increase: 56 Years
  • Paying Dividends Since: 1916 (99yrs)
  • Payout Ratio: 51.8%
  • P/E Ratio: 20.58

For this months ASK THE READERS selection, we selected 3 large companies with proven track record for paying dividends


**LET US KNOW WHICH STOCK YOU WOULD PICK AND WHY**