Friday, June 23, 2017

Mortgage Balance (UPDATE) - JUNE 2017

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. 

According to Zillow, our home is currently worth $835,446 (up $6,078 in the last 30-days). Is the housing market seeing a cool down, or is there still a second push as those looking to buy a home before the next school year start going into escrow? Regardless, since we have no intention of selling our home, the fluctuations in the market means little to us.  We mainly post these updates to see the remaining mortgage balance and keep us motivated to push forward to be debt free (including our mortgage) one day!

Mortgage Balance (As of June 1st):
$281,587 (down $1,921 from our post last month)

Percentage Owed:
33.7% (down .55% from our post last month)

Home Equity:
$553,859 (up $9,788 from our post last month)
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 10 years and 0 months (120 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 10  years and 10 months (130 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 6-9 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:

Tuesday, June 6, 2017

Collection of RECENT BUYS (May 2017 Summary)

Since our family began investing in dividend stocks approximately two and a half years ago, I've been keeping a personal log of what other dividend bloggers and dividend investors are buying. The collection essentially highlights the Recent Buys that I discover throughout the dividend blog community. Its nice to see what others are buying, if for nothing more to get some ideas.  

This collection started out as my own personal data sheet but I have since decided to share it with the DGI community.  I am glad I did because, as evident in our recent post (We Just Joined the 500K club), it has been once of the more popular pages on our blog!! We hope it everyone continues to use our Collection of Recent Buys and it remains a great resource for all. It can be a lot of work to maintain but we remain committed and will do our best to keep this list up to date. 

Please feel free to bookmark or share the page: 


During the month of January a total of 57 buys were found throughout the DGI community. Based on the buys found, it appears that DGI investors are finding nice yields (mostly above 3%) in this months buys.   

Below is a chart and corresponding table that identifies those companies that were purchased at least two times this past month: 
To summarize the past month, out of a total of 57 buys found around the DGI community (with a minimum total of $300), a total of 34 companies were purchased with a total of 8 companies that were bought more than once. From the buys collected,  DGI investors picked up a stock not purchased by others 59.6% of the time. We definitely like to see the diversity in purchases made throughout the DGI investing community.  The wide range of stocks bought shows independent analysis and strategies among investors and indirectly introduces new stocks to those whom are looking for ideas.   

For the month of May, both AT&T (T) and General Mills Inc (GIS) lead the charge as the most popular stocks among DGI investors this past month. Both companies were purchased by 6 different investors throughout the DGI community. At 5.04% and 3.34% yield, respectively, both companies provide  a nice dividend above the 3% level.
The second most popular stock this past month was Verizon Wireless (VZ) which was purchased by 5 different investors throughout the DGI community.  At 4.97%, VZ is yet another great stock with a juicy dividend yield. Our family also managed to also grab a few shares of this popular choice among DGI investors. On May 17, 2017, our family picked up 15 shares of Verizon Wireless (VZ) at $44.88. We actually think AT&T Inc. offers a slightly better value, but since AT&T already makes up a little more than 6% of our portfolio, we decided to grab shares of VZ. 

Rounding up the third was a 4-way tie between Omega Health Care Investors Inc (OHI), General Electric Co (GE), W.W. Grainger Inc (GWW), and Realty Income Corp (O)All four companies were purchased by 3 difference investors throughout the DGI community. Once again, the theme continues.  At 8.01% ,3.44%, 2.96%, 4.88% yields, respectively, it appears DGI investors are finding nice yields in these popular stocks.
The last stock to be purchased more than once was Emerson Electric (EMR). Not to be outdone, EMR offers an attractive yield at 3.24%.    

Data used for this SUMMARY is from our 

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.

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 blogger is 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.

Also, if you have a chance, make sure you also follow or visit Adam over at I Want to Retire Soon (IWTRS) as he generally provides a weekly summary of recent buys! A link to past summaries is maintained on his blog. Another great resource for ideas if you are not sure where to invest next! 

Friday, June 2, 2017


Below is a recap of the dividends/partnership distributions that we received from our family's dividend stocks portfolio –  MAY 2017 (recap).


During the past month, our family received dividends/partnership distributions from a total of 10 companies/ETFs/Partnerships!! The total monies received from those 10 companies/ETFs/Partnerships was: $134.44

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

5/01/17 - VZ (Verizon Communications Co): $14.44
5/01/17 - DE(Deere & Co): $10.80
5/01/17 - T (AT&T Inc): $12.42
5/02/17 - TD (Toronto Dominion Bank): $8.79
5/02/17 - POT (Potash Corp of Saskatchewan): $4.51
5/08/17 - EC (Ecopetrol): $7.01
5/15/17 - OHI (Omega Healthcare REIT Investors): $6.30

5/15/17 - KMI (Kinder Morgan Inc): $14.00
5/23/17 - HCP (HCP Inc): $3.33
5/24/17 - RY (Royal Bank of Canada): $6.47

5/1/17 - T (AT&T Inc): $46.37

February, May, August, and November are typically our light dividends months.  To make matters worse, since February, we sold five companies (ARTNA, COF, AAPL, OKS, and VOD) that would have paid us dividends in May.  No regrets because we made considerable profits from each sale and now sit on a nice pile of cash that we can hopefully use to grab a few value buys. We are currently considering the following popular buys:
  1. General Mills Inc (GIS);
  2. AT&T Inc (T);
  3. Verizon Communications Co (VZ);
  4. Omega Healthcare Investors Inc (OHI); and 
  5. Realty Income Corp (O).    
In case you interested, our family's dividend stocks portfolio 
may be found by clicking on the link below: