Tuesday, June 30, 2015

Retirement Accounts (Update) - June 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

(JUNE UPDATE):


Below is a quick update to show the current values of our retirement accounts as of June 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 June 1, 2015

PENSION
Cash Value of Pension$221,822
($1,907 increase from last month's update of $219,915)

457K
Total value of 457K: $124,320
($501 increase from last month's update of $123,819)

Roth IRAs
Total value of Roth IRA accounts: $57,817
($318 increase from last month's update of $57,499)

Once again, we are bless to be able to say that the month of May was a good month. For a second consecutive month, we saw an increase in all three accounts (pension, 457K and Roth IRAs). Any month where all accounts are in the green is a good month, right?!  

The overall gain from all three accounts this past month was $2,726. For the last two months, our retirement accounts has gone up roughly $6,500 combined. As it stands, the total amount of our retirement accounts is currently valued at: $403,959 (up slightly from the $401,233 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. 

Monday, June 29, 2015

RECENT BUY - (NYSE : XOM)

WE RECENTLY PURCHASED THE FOLLOWING

EXXON MOBIL CORP (XOM)
Purchased 5 shares of XOM on 6/26/2015 at $83.50
Total Spent: $417.50
$14.60 added to annual dividends

On Thursday, we purchased Omega Healthcare REIT Investors, Inc (OHI) based on the results from our recent ASK THE READERS post.  With some extra funds laying around, we decided to also pick up share in Exxon Mobil Corp (XOM) which appeared to be our readers second pick. Since we already own shares of XOM, and the current price did allow us to average down our cost basis a bit, we decided to buy 5 shares of XOM on Friday, 6/26/15 at $83.50.

With this purchase, we now own 11 total shares of XOM in our family's dividend stocks portfolio. The purchase, however, did not add a new holding to our family's dividend stocks portfolio, which remains at a total of 40 different dividend paying stocks/ETFs in the portfolio. Our estimated forward dividends grew another $14.60, putting our yearly dividends at approximately $2,907/year (excluding our Edwards Jones account) and $3,289/year (including our Edward Jones account).

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:


EXXON MOBIL CORP (XOM)
P/E: 12.57
Payout Ratio: 41.39%
Dividend Yield: 3.48%
32 consecutive years of dividend increases
Last Ex-dividend date: 5/11/2015
Next Ex-dividend date: approx. - 8/11/2015
Have paid a dividend since: 1882 (133 years!)
Pays a dividend 4 times a year.

Market Cap: 350.6 Billion
52-week high: $104.76
52-week low: $82.68

Purchased Price: $83.50

What are your thoughts about my recent purchase?

What are you buying?

Sunday, June 28, 2015

A Frugal Family's Journey - We Just Joined the 100K Club!!

A BIG "Thank You" to everyone that has supported our blog...whether you have been with us from the beginning or you've just recently joined the journey, we would like to thank each and every one of you for your support.  

It took approximately 15 months (since March 15, 2014), but I am thrilled to announce the our blog just reached a huge milestone this weekend.  We are now proud members of the 100K club! Well, 100,000 page visits that is.  :)
Since I am somewhat of a stats nerd, below are some additional stats behind our 100,000 visits.


Top Referring Sites
Special thanks to Passive Income Pursuit, Captain Dividend, My Dividend Pipeline and Rockstar Finance for the additional traffic from your respective webpages.  Also, thanks to all that have tweeted or re-tweeted our posts.  In case you would like to follow us on Twitter, we can be found under: @FrugalFamilyof4


Most Popular Page Visits
Our top three most popular page visits are: 1) Dividend Stocks Portfolio 2) Collection of Stock Analysis 3) Collection of Recent Buys.

Most Popular Posts

Top Pageviews By Countries
Traffic to our blog came from the following top three countries: 1) United States 2) Canada 3) Germany.  Thank you to all visitors but a specially thanks goes out to our readers from those top three countries. :)

AGAIN...THANK YOU EVERYONE FOR HELPING US 
REACH THIS HUGE MILESTONE!!

Thursday, June 25, 2015

RECENT BUY - (NYSE : OHI)

WE RECENTLY PURCHASED THE FOLLOWING


OMEGA HEALTHCARE REIT INVESTORS INC (OHI)
Purchased 10 shares of OHIon 6/25/2015 at $34.75
Total Spent: $347.50
$21.60 added to annual dividends


Our purchase of Omega Healthcare REIT Investors, Inc (OHI) was based on the results from our recent ASK THE READERS post. This morning, with OHI seemingly this month's reader's pick, we decided to set a limit order to buy the stock at $38.75.  And on the same day that our limit order was placed, the market provided us with an opportunity to add another company to our family's dividend stocks portfolio. With the recent pull back, we were certainly happy grabbing a few shares at our limit price.  

However, since we feel that real estate stocks may continue to fall further as the FEDS inevitably raise rates later this year, we decided not to spend a huge amount of capital on this initial purchase.  If OHI continues to dip and fall into the $20s, we wouldn't have any problems grabbing few more shares to average down our cost basis. 

With the recent purchase Omega Healthcare REIT Investors, Inc (OHI), our family's dividend stocks portfolio now holds a total of 40 different dividend paying stocks/ETFs in the portfolio. Our estimated forward dividends grew another $21.60, putting our yearly dividends at approximately $2,893/year (excluding our Edwards Jones account) and $3,275/year (including our Edward Jones account).

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:

OMEGA HEALTHCARE REIT INVESTORS INC (OHI)
P/E: 21.59
Payout Ratio: 130%
Dividend Yield: 6.2%
5 consecutive years of dividend increases
Last Ex-dividend date: 4/28/2015
Next Ex-dividend date: approx. - 7/28/2015
Have paid a dividend since: 1992 23 years)
Pays a dividend 4 times a year.

Market Cap: 6.3 Billion
52-week high: $45.46
52-week low: $33.69

Purchased Price: $38.75

What are your thoughts about my recent purchase?

What are you buying?

Tuesday, June 23, 2015

ASK THE READERS - Should I buy XOM, OHI, WMT?


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 Exxon Mobil Corp (XOM)
  • Sector: Energy - Oil & Gas
  • Market Cap: 355.7 Billion
  • Dividend Yield: 3.43% 
  • Consecutive years of dividend increase: 32 Years
  • Paying Dividends Since: 1882
  • Payout Ratio: 69.5%
  • P/E Ratio: 12.76


STOCK #2  Omega Healthcare Investors, Inc. (OHI)
  • Sector: Financials - Real Estate
  • Market Cap: 6.46 Billion
  • Dividend Yield: 2.04% 
  • Consecutive years of dividend increase: 5 Years
  • Paying Dividends Since: 1992
  • Payout Ratio: 24.2%
  • P/E Ratio: 22.02


STOCK #3 Wal-Mart Stores, Inc. (WMT)
  • Sector: Services - Retail
  • Market Cap: 233.7 Billion
  • Dividend Yield: 2.65% 
  • Consecutive years of dividend increase: 40 Years
  • Paying Dividends Since: 1973
  • Payout Ratio: 40.3%
  • P/E Ratio: 14.58

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

Sunday, June 21, 2015

Stocks Added to Collection of Stock Analyses (Part 2 of 2) - June 2015

For those who are not yet familiar with my extensive collection of individual dividend stocks. The collection is currently comprised of 742 stock analyses (and still growing) with links to various stock analyses that I found throughout the dividend blog community.  

The collection was created in a Google Docs Spreadsheet so that I may continue to maintain and update the list periodically. My plan is to provide bi-monthly updates (one at mid month and another and the end of the month) to inform everyone of new stock analysis I have recently added to my collection.
The collection goes back two years.  Eventually, as the collection grows, I am planning to only keep stock analyses for a one year time period. You should also know that to help highlight the stock analyses that have recently been created during the last 2 months, I have provided NEW!! at the end of those analyses.

Sorry I have not posted an update in awhile (hence I had to break up the list into 2 separate posts). Here is a list of newly added stocks analyses since my last post.

Post 2 of 2 - Companies from M through Z:
  1. McDonalds Corp (MCD)
    • by The Conservative Income Investor
  2. Microsoft Corp (MSFT)
    • by Pollies Dividend
  3. Norfolk Southern Corp (NSC)
    • by Dividend Growth Investor
  4. Occidental Petroleum Corp (OXY)
    • by Dividend Growth Stocks
  5. Omega Health Care Investors (OHI)
    • by Dividend Growth Stocks
  6. Phillip Morris Int'l (PM)
    • by Dividend Dreams
  7. Procter & Gamble Co (PG)
    • by Div 4 Son
  8. Procter & Gamble Co (PG)
    • by Dennis McCain
  9. Royal Dutch Shell Plc (RDS.A)
    • by The Conservative Income Investor
  10. Thor Industries (THO)
    • by Retire Before Dad
  11. Texas Instruments Inc (TXN)
    • by Dividend Growth Stocks
  12. TJX Companies, Inc (TJX)
    • by Dividend Growth Investor
  13. Union Pacific Corp UNP)
    • by Div 4 Son
  14. Union Pacific Corp (UNP)
    • by Dividend Growth Investor
  15. Ventas Inc (VTR)
    • by Roadmap 2 Retire
  16. Verizon Communications Inc (VZ)
    • by Dividend Growth Stocks
  17. Visa Inc (V)
    • by The Conservative Income Investor
  18. Walgreens Boots Alliance Inc (WBA)
    • by Dividend Growth Stocks
  19. Wal-mart Stores Inc (WMT)
    • by Sure Dividend
  20. Wal-mart Stores Inc (WMT)
    • by Dividend Growth Stocks
  21. Wal-mart Stores Inc (WMT)
    • by The Conservative Income Investor
  22. Wal-mart Stores Inc (WMT)
    • by Dennis McCain
  23. 3M Company (MMM)
    • by Div 4 Son
 Links now 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

Complete Collection of Stock Analyses


Also don't forget to check out our:

NEW!! Collection of Recent Buys

Thursday, June 18, 2015

Stocks Added to Collection of Stock Analyses (Part 1 of 2) - June 2015

For those who are not yet familiar with my extensive collection of individual dividend stocks. The collection is currently comprised of 742 stock analyses (and still growing) with links to various stock analyses that I found throughout the dividend blog community.  

The collection was created in a Google Docs Spreadsheet so that I may continue to maintain and update the list periodically. My plan is to provide bi-monthly updates (one at mid month and another and the end of the month) to inform everyone of new stock analysis I have recently added to my collection.
The collection goes back two years.  Eventually, as the collection grows, I am planning to only keep stock analyses for a one year time period. You should also know that to help highlight the stock analyses that have recently been created during the last 2 months, I have provided NEW!! at the end of those analyses.

Sorry I have not posted an update in awhile (hence I had to break up the list into two separate posts). Here is a list of newly added stocks analyses since my last post.

Post 1 of 2 - Companies from A through L:
  1. Abbott Laboratories (ABT)
    • by Forward Dividends
  2. Abbvie Inc (ABBV)
    • by Dividend Growth Stocks
  3. American States Water Company (AWR)
    • by Roadmap 2 Retire
  4. Baxter International Inc (BAX)
    • by Div4Son
  5. Brown & Brown Inc (BRO)
    • by Sure Dividend 
  6. Brown Foreman Corp (BF.A)
    • by The Conservative Income Investor
  7. C.H. Robinson (CHRW)
    • by Sure Dividend
  8. Coca Cola Company (KO)
    • by Income Surfer
  9. Consolidated Edison (ED)
    • by Dividend Growth Stocks
  10. Cummins, Inc (CMI)
    • by Dividend Empire
  11. Deere & Company (DE)
    • by Sure Dividend
  12. Exxon Mobil Corp (XOM)
    • by Sure Dividend
  13. Exxon Mobil Corp (XOM)
    • by Dividend Growth Investor
  14. General Mills Inc (GIS)
    • by Dividend Growth Stocks
  15. General Mills Inc (GIS)
    • by Income Surfer
  16. Health Care REIT, Inc (HCN)
    • by Roadmap 2 Retire
  17. HCP, Inc (HCP)
    • by Roadmap 2 Retire
  18. HCP, Inc (HCP)
    • by Div 4 Son
  19. Health Care Services Group (HCSG)
    • by Sure Dividend
  20. Hormel Foods Corp (HRL)
    • by Sure Dividend
  21. International Flavors & Fragrances (IFF)
    • by Sure Dividend
  22. Kinder Morgan, Inc (KMI)
    • by The Conservative Income Investor
  23. Lockhead Martin Corp (LMT)
    • by Sure Dividend
  24. Lowes Company, Inc (LOW)
    • by DivGro
 Links now 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

Complete Collection of Stock Analyses


Also don't forget to check out our:

NEW!! Collection of Recent Buys