tag:blogger.com,1999:blog-18931292635737030472024-03-18T00:31:09.468-07:00A Frugal Family's JourneyA California family documents their journey towards Financial Independence.A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.comBlogger452125tag:blogger.com,1999:blog-1893129263573703047.post-10424577223895930262022-06-29T05:00:00.001-07:002022-06-29T05:00:00.161-07:00MORTAGE BALANCE (June 2022 Update)<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span></span><br /><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,419,300</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #38761d;">$2,080</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Prices here </span><span style="font-family: arial;">in Southern California</span><span style="font-family: arial;"> are still out of control but it appears that things may have slowed down a bit with interest rates on the rise. </span></div><div><br /></div></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoes9er9WPzbpFWY4q316CHC_vXbEYQot_4mBT79SlrM-SVEUdKXc98ds_-BzCZVJjKaGasRXs5OXUDAjPoDYhKSwKjgNfi8shzcOc68YtTuEkEOd1Jv5aQX30u85iXlWkX1xFH8YVFUky_T4JTOQ59EXV9CN2s1w_l5hSHFKmH9HSmV1OzydZGbbK/s555/Zillow_June2022.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="302" data-original-width="555" height="211" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoes9er9WPzbpFWY4q316CHC_vXbEYQot_4mBT79SlrM-SVEUdKXc98ds_-BzCZVJjKaGasRXs5OXUDAjPoDYhKSwKjgNfi8shzcOc68YtTuEkEOd1Jv5aQX30u85iXlWkX1xFH8YVFUky_T4JTOQ59EXV9CN2s1w_l5hSHFKmH9HSmV1OzydZGbbK/w389-h211/Zillow_June2022.JPG" width="389" /></a></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><div style="text-decoration-line: underline;"><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>AS OF JUNE 1, 2022:</u></strong></span></span></div><div style="text-decoration-line: underline;"><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u><br /></u></strong></span></span></div>Mortgage Balance:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$154,185 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,624</span> from last month)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong>Percentage Owed:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">10.8% </span>(down <span style="color: #38761d;">.7<span>%</span></span>)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><b>H<span>ome Equity</span><span>: </span></b><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,265,115 </span>(down <span style="color: red;">$3,476</span>)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 3 months</strong></span></span><strong> (63 months) </strong><span face="verdana, sans-serif">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 <b>5</b></span><strong> years and 9 months (69 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 65% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com3tag:blogger.com,1999:blog-1893129263573703047.post-34794241344459154682022-06-27T05:30:00.010-07:002022-06-27T05:30:00.170-07:00BUYS/SELLS & DIVIDENDS (May 2022 Update)<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNfSQgMcMMszSZ6QPZNmXKPXbZfLGli0jHPSUM6ZGhyVJ8mLVNHzb6F_eOe5EeIbSc1m08e3kn5tkiOuom4w22wgftclst3w0gANq8aC60sgCOVHVbD33BR5bDHSYueJtmELCIsAN4SrvSKbtqQbwCCslXgLYmDgc7Cvg3G0V3D2VseOuktnIYoU9E/s312/MoneyUpArrow.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="299" data-original-width="312" height="299" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNfSQgMcMMszSZ6QPZNmXKPXbZfLGli0jHPSUM6ZGhyVJ8mLVNHzb6F_eOe5EeIbSc1m08e3kn5tkiOuom4w22wgftclst3w0gANq8aC60sgCOVHVbD33BR5bDHSYueJtmELCIsAN4SrvSKbtqQbwCCslXgLYmDgc7Cvg3G0V3D2VseOuktnIYoU9E/s1600/MoneyUpArrow.jpg" width="312" /></a></div><p></p><p></p><p></p><p></p><p></p><p></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">After a brief pause to do some home improvements, our family resumed active trading. </span><span><span style="background-color: white;">With the recent market pull-back, we have been pretty active lately. In May, although we sold some shares from 3 companies to cash out some profits, we purchased shares in a total of 12 companies! </span></span></span></p><p><span style="background-color: white; font-family: verdana; text-align: justify;">This month, we continued the buying spree. Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;"> we ha</span><span><span><span><span style="background-color: white;">d </span><b style="background-color: white;">3</b></span></span><span><span><span style="background-color: white;"> sells and </span><b style="background-color: white;">12</b></span><span style="background-color: white;"> bu</span></span></span><span style="background-color: white;">ys</span><span style="background-color: white;">. </span></span></p><div style="text-align: justify;"><span><span><div><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$</span><span style="background-color: white;">85.76</span><span style="background-color: white;">/yr)</span></i></u><span style="background-color: white;">: </span></span></span></div><div style="background-color: white;"><ul><li style="text-align: left;"><b style="font-family: verdana;">OXY</b><span style="font-family: verdana;"> <span style="font-family: verdana; text-align: justify;">(</span><span style="text-align: justify;"><span style="font-family: verdana;">OCCIDENTAL PETE CORP)</span></span></span><span style="font-family: verdana;"> - $19.76</span></li><li style="text-align: left;"><b style="font-family: verdana;">BMY</b><span style="font-family: verdana;"> (BRISTOL MYERS SQUIBB CO</span><span style="font-family: verdana;">) - $32.40</span></li><li style="text-align: left;"><b style="font-family: verdana;">LMT</b><span style="font-family: verdana;"> (</span><span style="font-family: verdana;">LOCKHEED MARTIN CORP) - $33.60</span></li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Buys (</span><i><span style="background-color: white;">increase in Fwd Dividends:</span><span><span><span style="background-color: white;"> $</span><span style="background-color: white;">147.39</span></span><span style="background-color: white;"><span>/</span><span>yr</span></span></span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">: </span></span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white;"><span style="font-family: verdana;"><b>EAD</b> (ALLSPRING INCOME OPPORTUNITIES FUND) - $32.77</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>DIS</b> (DISNEY WALT COMPANY) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>POSH</b> (POSHMARK INC) - N/A</span></span></li><li><b style="background-color: white; font-family: verdana;">KIND</b><span style="background-color: white; font-family: verdana;"> (NEXTDOOR HLDGS INC</span><span style="background-color: white; font-family: verdana;">) - N/A</span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>LUCID</b> (LUCID GROUP INC) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>PHG</b> (KONINKLIJKE PHILIPS) - $48.00</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>BRMK</b> (BROADMARK REALTY CAPITAL INC) - $14.00</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>ABNB</b> (AIRBNB INC) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>F</b> (FORD MOTOR COMPANY) - $19.50</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>BABA</b> (ALIBABA GRP HLDG LTD ADR) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>INTC</b> (INTEL CORP) - $22.20</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>BAC</b> (BANK OF AMERICA CORP) - $10.92</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><span style="font-family: verdana; font-style: normal; text-align: justify;"><span><span style="background-color: white;">With the activities seen above, our forward annual dividends in</span><span style="background-color: white;">creased</span><span style="background-color: white;"> by roughly </span></span><span><span style="background-color: white; color: #38761d;"><span style="font-weight: bold;">$</span><span><b>61.63</b></span></span></span></span></i><i style="font-family: verdana; text-align: center;"><span style="background-color: white; font-family: verdana; font-style: normal; text-align: justify;">. </span></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u><br /></u></span></b></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span><span style="background-color: white;"><span>, 11</span></span></span></span></span></span><span style="background-color: white;"><span face=""><span><span face=""><span><span><span><span> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those <b>11</b></span></span></span></span></span><span face=""> co</span><span face="">mp</span></span><span face="">an</span><span face="">ie</span><span face="">s/ETFs/</span></span><span face="">Partnerships</span><span face=""> was:</span><span face=""><span><span> </span><b><span style="color: #38761d;">$284.85</span></b></span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">5/02/22 -<b> VZ</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">VERIZON COMMUNICATIONS COM</span>): $38.40</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span style="background-color: transparent;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>5/02/22 - <b>BMY </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">BRISTOL MYERS SQUIBB CO</span>): $13.50</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face=""><span style="background-color: transparent;"><span style="font-family: verdana;">5/02/22 - <b>T</b></span><span style="font-family: verdana;"> (AT&T</span></span><span style="background-color: transparent; font-family: verdana;"><span style="font-size: 14px;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331;"> INC</span>):</span> $62.44</span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">5/13/22 - <b>O </b>(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">REALTY INCOME CORP REIT</span>)</span><span style="font-family: verdana;">: $4.20</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>5/13/22 - <b>OHI</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">OMEGA HEALTHCARE INC</span>): $43.55</span></span><br /></span></span></div><div><span><span><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>5/16/22 - <b>BRMK </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></div><div><span><span><span style="background-color: white; font-family: verdana;"><span style="font-family: "Times New Roman";"><span style="font-family: verdana;"><span><span face=""><span face=""><span><span face=""><span><span>5/19/22 - <b>ET </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">ENERGY TRANSFER LP</span>): $70.00</span></span></span></span></div><div><span><span><span style="background-color: white; font-family: verdana;"><span style="font-family: verdana;"><span style="font-family: "Times New Roman";"><span style="font-family: verdana;"><span><span face=""><span face=""><span><span face=""><span><span>5/19/22 - <b>DHC </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">DIVERSIFIED HEALTHCARE TR</span>): $4.75</span></span></span></span></span></div><div><span style="background-color: white; font-family: "Times New Roman";"><span style="font-family: verdana;"><span><span face=""><span face=""><span><span face=""><span><span>5/27/22 - <b>C </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">CITIGROUP INC</span>): $7.65</span></div><div><span style="background-color: white; font-family: verdana;"><span style="font-family: "Times New Roman";"><span style="font-family: verdana;"><span><span face=""><span face=""><span><span face=""><span><span>5/27/22 - <b>COF </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">CAPITAL ONE FINANCIAL CORP</span>): $3.00</span></span></div><div><span style="background-color: white; font-family: verdana;"><span style="font-family: verdana;"><span style="font-family: "Times New Roman";"><span style="font-family: verdana;"><span><span face=""><span face=""><span><span face=""><span><span>5/31/22 - <b>LTC </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LTC PROPERTIES INC</span>): $7.60</span></span></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>5/02/22 - <b>T </b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">AT&T</span>): $26.26</span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;"><span style="color: #38761d;">$284.85</span></i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1tag:blogger.com,1999:blog-1893129263573703047.post-85973694272109051022022-05-15T06:00:00.003-07:002022-06-26T21:44:03.670-07:00MORTAGE BALANCE (May 2022 Update)<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span></span><br /><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,425,400</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #38761d;">$47,171</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Not sure if everyone else is seeing the same but the housing market is still out of control here in Southern California. </span></div><div><br /></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgArC5Y_ri5RR3r1OzYnVuRL3HXaei9h9XiKwfgWllj1ROkdrrceZDjt67q84cso9pNZxNsMz0cDLxZ6NrH7W86QvbKrDtJB3qhvtciSApwTJdWT5DWnJwMGDZCoiQ080YQBeYFP_HIiXs3bN1jZthHy6nX9Eqt0_Tnr28hvvyOju5APxjzjIHsxTHi/s556/Zillow_May2022.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="312" data-original-width="556" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgArC5Y_ri5RR3r1OzYnVuRL3HXaei9h9XiKwfgWllj1ROkdrrceZDjt67q84cso9pNZxNsMz0cDLxZ6NrH7W86QvbKrDtJB3qhvtciSApwTJdWT5DWnJwMGDZCoiQ080YQBeYFP_HIiXs3bN1jZthHy6nX9Eqt0_Tnr28hvvyOju5APxjzjIHsxTHi/w369-h208/Zillow_May2022.JPG" width="369" /></a></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><div style="text-decoration-line: underline;"><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>AS OF MAY 1, 2022:</u></strong></span></span></div><div style="text-decoration-line: underline;"><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u><br /></u></strong></span></span></div>Mortgage Balance:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$156,809 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,593</span> from last month)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong>Percentage Owed:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">11.0% </span>(down <span style="color: #38761d;">.7<span>%</span></span>)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><b>H<span>ome Equity</span><span>: </span></b><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,268,591 </span>(up <span style="color: #38761d;">$75,293</span>)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 4 months</strong></span></span><strong> (64 months) </strong><span face="verdana, sans-serif">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 <b>5</b></span><strong> years and 10 months (70 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 65% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com2tag:blogger.com,1999:blog-1893129263573703047.post-14282667214235250072022-05-08T12:34:00.003-07:002022-05-08T12:34:54.509-07:00BUYS/SELLS & DIVIDENDS (April 2022 Update)<p> <span style="text-align: center;"> </span></p><div class="separator" style="clear: both; text-align: center;"><span style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0_jQc6W3Px-9aNDe3Ei6ChB4nqq2qROvJMHVhNGk7cjkc5VoOOkf9rJXyp7vszY2-DVtEJXqFq7JNArrCV-FfW1ILp29WFUDhE2LkgBt9Ljph78EFhykxAlVZnq9MQnPkm4rNyeNwImP0BAJcN8CW1lZXxnswsCspKlJo7GM7KRY1cC8v6LiFwIrp/s416/UpwardTrendGraph5.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="331" data-original-width="416" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0_jQc6W3Px-9aNDe3Ei6ChB4nqq2qROvJMHVhNGk7cjkc5VoOOkf9rJXyp7vszY2-DVtEJXqFq7JNArrCV-FfW1ILp29WFUDhE2LkgBt9Ljph78EFhykxAlVZnq9MQnPkm4rNyeNwImP0BAJcN8CW1lZXxnswsCspKlJo7GM7KRY1cC8v6LiFwIrp/s320/UpwardTrendGraph5.jpg" width="320" /></a></span></div><p></p><p></p><p></p><p></p><p></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">After a brief pause to do some home improvements, our family resumed active trading. </span><span><span style="background-color: white;">With the recent market pull-back, we have been pretty active lately. In March, although we sold some shares to cash out some profits, we had bought 10 companies! </span></span></span></p><p><span style="background-color: white; font-family: verdana; text-align: justify;">This month, we continued the buying spree. Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;"> we ha</span><span style="background-color: white;"><span>d <b>2</b></span><span> sells and <b>5</b></span><span> bu</span></span><span style="background-color: white;">ys. </span></span></p><div style="text-align: justify;"><span><span><div><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$51.00/yr)</span></i></u><span style="background-color: white;">: </span></span></span></div><div style="background-color: white;"><ul><li style="text-align: left;"><b style="font-family: verdana;">BMY</b><span style="font-family: verdana;"> <span style="font-family: verdana; text-align: justify;">(</span><span style="text-align: justify;"><span style="font-family: verdana;">BRISTOL MYERS SQUIBB CO)</span></span></span><span style="font-family: verdana;"> - $21.60</span></li><li style="text-align: left;"><b style="font-family: verdana;">CAH</b><span style="font-family: verdana;"> (</span><span style="font-family: verdana;">CARDINAL HEALTH INC) - $29.40</span></li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Buys (</span><i><span style="background-color: white;">increase in Fwd Dividends:</span><span style="background-color: white;"><span> $85.00</span><span>/</span><span>yr</span></span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">: </span></span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white;"><span style="font-family: verdana;"><b>IQ</b> (IQIYI INC ADR) - N/A</span></span></li><li><span style="background-color: white; font-family: verdana;"><span><b>CMCSA </b>(</span></span><span style="background-color: white;"><span style="font-family: verdana;">COMCAST CORP) - $27.00</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>DIS</b> (DISNEY WALT COMPANY) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>VZ</b> (VERIZON COMMUNICATIONS COM) - $38.40</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>TSM</b> (TAIWAN SEMICONDUCTOR MFG CO LTD ADR) - $19.60</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><span style="font-family: verdana; font-style: normal; text-align: justify;"><span><span style="background-color: white;">With the activities seen above, our forward annual dividends de</span><span style="background-color: white;">creased</span><span style="background-color: white;"> by roughly </span></span><span style="background-color: white;"><span style="color: #38761d;"><span style="font-weight: bold;">$</span><span><b>34.00</b></span></span></span></span></i><i style="font-family: verdana; text-align: center;"><span style="background-color: white; font-family: verdana; font-style: normal; text-align: justify;">. Wow! We knew our forward dividends would be falling due to the recent sales but have to admit, I didn't think they were going to go down by this much. Look for our April buys because we made a few purchases that helped get some of these forward dividends back. :)</span></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u><br /></u></span></b></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span><span style="background-color: white;"><span>, 10</span></span></span></span></span></span><span style="background-color: white;"><span face=""><span><span face=""><span><span><span><span> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those <b>10</b></span></span></span></span></span><span face=""> co</span><span face="">mp</span></span><span face="">an</span><span face="">ie</span><span face="">s/ETFs/</span></span><span face="">Partnerships</span><span face=""> was:</span><span face=""><span><span> </span><b><span>$199.45</span></b></span><span> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">4/11/22 -<b> WBD</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">WARNER BROS DISCOVERY INC</span>): $10.29 (cash in-lieu)</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face=""><span style="background-color: transparent;"><span style="font-family: verdana;"><span style="background-color: transparent;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>4/18/22 - <b>O </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">REALTY INCOME CORP REIT</span>): $4.20</span></span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face=""><span style="background-color: transparent;"><span style="font-family: verdana;">4/18/22 - </span><b>ONL</b><span style="font-family: verdana;"> (</span></span><span style="background-color: transparent; font-family: verdana;"><span style="font-size: 14px;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif;">ORION OFFICE REIT INC</span>):</span> $0.10</span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">4/18/22 - <b>OXY </b>(</span></span></span></span></span><span style="font-family: verdana;"><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">OCCIDENTAL PETE CORP</span>)</span><span style="font-family: verdana;">: $15.60</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>4/18/22 - <b>LADR</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">LADDER CAPITAL CORP</span>): $20.00</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>4/18/22 - <b>CAH </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="background-color: white; font-family: verdana;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">CARDINAL HEALTH INC</span>): $17.18</span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span><span style="background-color: transparent;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>4/18/22 - <b>BRMK </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: transparent; color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span><span style="background-color: transparent;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>4/29/22 - <b>LTC</b> (</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: transparent; color: #3b3331; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></span></span></span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>4/29/22 - <b>EIX </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">EDISON INTL</span>): $10.50</span></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>4/27/22 - <b>CMCSA </b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">COMCAST CORP</span>): $110.48</span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;"><span style="color: #38761d;">$199.45</span></i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-71169150232406920512022-05-06T10:23:00.004-07:002022-05-08T12:32:51.270-07:00March 2022 - Buys/Sells & Dividends Received (LATE POST)<p> <span style="text-align: center;"> </span></p><div class="separator" style="clear: both; text-align: center;"><span style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizxT8qE7UrPDqR3kO-48-eiOPze4-mMhVCqxSLAIXX1Xtq_m5qreX4ZQE834wDyndEgc7G8C8YtLnQNXQ_bRWacJ7PIOJoO2faITZhi0YUtQLhvjPEhCnipUaSMKBUdtODum7muO4TP9dL6-rxIWM7y5q6doOmpg4Y0qhvkBNa14WaVAN4r_CIBiGs/s400/UpwardTrendGraph6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="324" data-original-width="400" height="259" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizxT8qE7UrPDqR3kO-48-eiOPze4-mMhVCqxSLAIXX1Xtq_m5qreX4ZQE834wDyndEgc7G8C8YtLnQNXQ_bRWacJ7PIOJoO2faITZhi0YUtQLhvjPEhCnipUaSMKBUdtODum7muO4TP9dL6-rxIWM7y5q6doOmpg4Y0qhvkBNa14WaVAN4r_CIBiGs/s320/UpwardTrendGraph6.jpg" width="320" /></a></span></div><p></p><p></p><p></p><p></p><p></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">Happy Friday everyone!! Well, this year hasn't been great for our investments in general but our family's dividend stocks portfolio has surprisingly performed well due to our somewhat heavy exposure to oil-related stocks. But with the recent pullbacks in the market, we have taken the opportunity to cash out some of our gains lately. We are hoping to spend a little of that on some income and growth stocks since we don't need access to the money in our dividend stocks account for at least 8-10 years.</span></span></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">After a brief pause to do some home improvements, our family resumed active trading in May of last year. </span><span><span style="background-color: white;">We have since resumed active trading activities each month. </span></span></span><span style="background-color: white; font-family: verdana; text-align: justify;">Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;"> we ha</span><span style="background-color: white;"><span>d <b>9</b></span><span> sells and <b>10</b></span><span> bu</span></span><span style="background-color: white;">ys this past month.</span></span></p><div style="text-align: justify;"><span><span><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$479.08/yr)</span></i></u><span style="background-color: white;">: </span></span></span></div><div style="background-color: white;"><ul><li style="font-family: verdana;"><span style="font-family: verdana;"><b>OXY </b>(</span><span><span style="font-family: verdana;">OCCIDENTAL PETE CORP) </span><span style="font-family: verdana;">- $44.20</span></span></li><li style="font-family: verdana;"><span><span style="font-family: verdana;"><b>MO</b> <span style="font-family: verdana;">(</span><span><span style="font-family: verdana;">ALTRIA GROUP INC) </span></span></span></span>- $162.00</li><li style="font-family: verdana;"><b>RIG</b> <span style="font-family: verdana;">(</span><span>TRANSOCEAN LTD)</span> - N/A</li><li style="text-align: left;"><b style="font-family: verdana;">ENB</b><span style="font-family: verdana;"> <span style="font-family: verdana; text-align: justify;">(</span><span style="text-align: justify;"><span style="font-family: verdana;">ENBRIDGE INC)</span></span></span><span style="font-family: verdana;"> - $68.80</span></li><li style="text-align: left;"><b style="font-family: verdana;">BMY</b><span style="font-family: verdana;"> <span style="font-family: verdana; text-align: justify;">(</span><span style="text-align: justify;"><span style="font-family: verdana;">BRISTOL MYERS SQUIBB CO)</span></span></span><span style="font-family: verdana;"> - $20.16</span></li><li style="text-align: left;"><b style="font-family: verdana;">HES</b><span style="font-family: verdana;"> (</span><span style="font-family: verdana;">HESS CORPORATION) - $10.52</span></li><li style="text-align: left;"><b style="font-family: verdana;">CAH</b><span style="font-family: verdana;"> (</span><span style="font-family: verdana;">CARDINAL HEALTH INC) - $127.40</span></li><li style="text-align: left;"><b style="font-family: verdana;">PNW</b><span style="font-family: verdana;"> (</span><span style="font-family: verdana;">PINNACLE WEST CAP CORP) - $30.40</span></li><li style="text-align: left;"><b style="font-family: verdana;">AEP</b><span style="font-family: verdana;"> (</span><span style="font-family: verdana;">AMERICAN ELECTRIC POWER INC ) -$15.60</span></li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Buys (</span><i><span style="background-color: white;">increase in Fwd Dividends:</span><span style="background-color: white;"><span> $85.00</span><span>/</span><span>yr</span></span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">: </span></span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white; font-family: verdana;"><span><b>WDC </b>(</span></span><span style="background-color: white;"><span style="font-family: verdana;">WESTERN DIGITAL CORP) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>GILD</b> (GILEAD SCIENCES INC) - $20.92</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>GM</b> (GENERAL MOTORS CO) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>COF</b> (CAPITAL ONE FINANCIAL CORP) - $12.00</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>BAC</b> (BANK OF AMERICA CORP) - $14.28</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>BABA</b> (ALIBABA GRP HLDG LTD ADR) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>POSH</b> (POSHMARK INC CL A) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>IQ</b> (IQIYI INC ADR) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>CITI</b> (CITIGROUP INC) - $30.60</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>YUMC</b> (YUM CHINA HOLDINGS INC) - $7.20</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><span style="font-family: verdana; font-style: normal; text-align: justify;"><span><span style="background-color: white;">With the activities seen above, our forward annual dividends de</span><span style="background-color: white;">creased</span><span style="background-color: white;"> by roughly </span></span><span style="background-color: white;"><span style="color: red;"><span style="font-weight: bold;">$</span><span><b>394.08</b></span></span></span></span></i><i style="font-family: verdana; text-align: center;"><span style="background-color: white; font-family: verdana; font-style: normal; text-align: justify;">. Wow! We knew our forward dividends would be falling due to the recent sales but have to admit, I didn't think they were going to go down by this much. Look for our April buys because we made a few purchases that helped get some of these forward dividends back. :)</span></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u><br /></u></span></b></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span><span style="background-color: white;"><span>, 18</span></span></span></span></span></span><span style="background-color: white;"><span face=""><span><span face=""><span><span><span><span> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those <b>18</b></span></span></span></span></span><span face=""> co</span><span face="">mp</span></span><span face="">an</span><span face="">ie</span><span face="">s/ETFs/</span></span><span face="">Partnerships</span><span face=""> was:</span><span face=""><span><span> </span><b><span>$345.17</span></b></span><span> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">3/01/22 -<b> PNW</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">PINNACLE WEST CAP CORP</span>): $25.50</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face=""><span style="background-color: transparent;"><span style="font-family: verdana;">3/01/22 - </span><b>BMY</b><span style="font-family: verdana;"> (</span></span><span style="background-color: transparent; font-family: verdana;"><span style="font-size: 14px;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331;">PHILLIPS 66</span>):</span> $7.36</span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">3/01/22 - <b>ENB </b>(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ENBRIDGE INC</span>)</span><span style="font-family: verdana;">: $67.68</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>3/02/22 - <b>ARMK</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">ARAMARK</span>): 4.40</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>3/10/22 - <b>IBM </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">INTERNATIONAL BUSINESS MACHINE CORP</span>): $24.60</span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>3/10/22 - <b>XOM </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">EXXON MOBIL CORP</span>): $35.20</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>3/10/22 - <b>AEP </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">AMERICAN ELECTRIC POWER INC</span>): $11.70</span></span></span></span></span></span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/15/22 - <b>O </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">REALTY INCOME CORP REIT</span>): $4.19</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/15/22 - <b>BRMK </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/18/22 - <b>LUMN </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">LUMEN TECHNOLOGIES INC</span>): $75.00</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/24/22 - <b>EDIV </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">SPDR S&P EMERGING ETF MARKETS DIVIDEND</span>): $4.14</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/25/22 - <b>NOV </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">NOV INC</span><span style="background-color: white; font-family: verdana;">): $6.00</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/25/22 - <b>LMT </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">OCKHEED MARTIN CORP</span>): $8.40</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/28/22 - <b>SHEL </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">SHEL PLC ADR</span>): $28.80</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/29/22 - <b>YUMC </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">YUM CHINA HOLDINGS INC</span>): $1.80</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/30/22 - <b>HES </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">HESS CORPORATION</span>): $3.75</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/30/22 - <b>GILD </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">GILEAD SCIENCES INC</span>): $25.55</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>3/31/22 - <b>LTC</b> (</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>March - <b>N/A</b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;"><span style="color: #38761d;">$345.17</span></i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1tag:blogger.com,1999:blog-1893129263573703047.post-30051084812620174502022-05-06T09:23:00.000-07:002022-05-06T09:23:29.116-07:00Mortgage Balance - March 2022 (LATE POST)<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span></span><br /><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,352,700</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #38761d;">$32,400</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Not sure if everyone else is seeing the same but the housing market is still out of control here in Southern California. </span></div><div><br /></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of March 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$159,402 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,631</span> from our February balance)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">11.7% </span>(down <span style="color: #38761d;">.6<span>%</span></span>)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,193,298 </span>(up <span style="color: #38761d;">$35,031</span>)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 5 months</strong></span></span><strong> (65 months) </strong><span face="verdana, sans-serif">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 <b>5</b></span><strong> years and 11 months (71 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 65% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-29104353479855347352022-03-11T11:34:00.001-08:002022-03-11T11:34:29.590-08:00February 2022 (Recap) - BUY/SELLS & DIVIDENDS RECEIVED<p> <span style="text-align: center;"> </span></p><div class="separator" style="clear: both; text-align: center;"><span style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjc_sht_8SgMNGQ6Q5bHTLhI4P7qYP6p_AjFdbVaD-szp599kVFOzT7o4PSYXCBQZXAkTVS7s6J8AJ3fATFfgza2cCcIOt6ea_ffqXkUYdwPF_cJ11c9N74asyB8DE4oN4PRi3aCjmV0uEo3njc9xhrn-_a84WAcD_404izKLgG_Zefm-LUiJx6irjq=s280" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="280" height="280" src="https://blogger.googleusercontent.com/img/a/AVvXsEjc_sht_8SgMNGQ6Q5bHTLhI4P7qYP6p_AjFdbVaD-szp599kVFOzT7o4PSYXCBQZXAkTVS7s6J8AJ3fATFfgza2cCcIOt6ea_ffqXkUYdwPF_cJ11c9N74asyB8DE4oN4PRi3aCjmV0uEo3njc9xhrn-_a84WAcD_404izKLgG_Zefm-LUiJx6irjq" width="280" /></a></span></div><p></p><p></p><p></p><p></p><p style="text-align: left;"><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">Happy Friday everyone!! Well, this year hasn't been great for our investments in general but our family's dividend stocks portfolio has surprisingly performed well due to our somewhat heavy exposure to oil-related stocks. But with the recent run-up due to supply concerns from the Russia-Ukraine conflict, we have taken the opportunity to cash out some of our gains lately. We are hoping to spend a little of that on some growth stocks since we don't need access to the money in our dividend stocks account for at least 8-10 years.</span></span></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">After a brief pause to do some home improvements, our family resumed active trading in May of last year. </span><span><span style="background-color: white;">We have since resumed active trading activities each month. </span></span></span><span style="background-color: white; font-family: verdana; text-align: justify;">Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;"> we ha</span><span style="background-color: white;"><span>d <b>3</b></span><span> sells and <b>6</b></span><span> bu</span></span><span style="background-color: white;">ys this past month.</span></span></p><div style="text-align: justify;"><span><span style="font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$39.80/yr)</span></i></u><span style="background-color: white;">: </span></span></span></div><div style="background-color: white;"><ul><li><span style="font-family: verdana;"><b>XOM </b>(</span><span><span style="font-family: verdana;">EXXON MOBIL CORP) </span><span style="font-family: verdana;">- $17.60</span></span></li><li><span><span style="font-family: verdana;"><b>BKR</b> (</span></span>BAKER HUGHES A GE CO) - $7.20</li><li><b>HP</b> (HELMERICH & PAYNE INC) - $15.00</li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Buys (</span><i><span style="background-color: white;">increase in Fwd Dividends:</span><span style="background-color: white;"><span> $222.60</span><span>/</span><span>yr</span></span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">: </span></span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white; font-family: verdana;"><span><b>OHI </b>(</span></span><span style="background-color: white;"><span style="font-family: verdana;">OMEGA HEALTHCARE REIT INVESTORS INC) - $40.20</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>KIND</b> (NEXTDOOR HLDGS INC CL A) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>DIDI</b> (DIDI GLOBAL INC ADR) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>AI</b> (C3.AI INC CL A) - N/A</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>LUMN</b> (LUMEN TECHNOLOGIES INC) - $175.00</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>INTC</b> (INTEL CORP) - $7.40</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><span style="font-family: verdana; font-style: normal; text-align: justify;"><span><span style="background-color: white;">With the activities seen above, our forward annual dividends </span><span style="background-color: white;">increased</span><span style="background-color: white;"> roughly </span></span><span style="background-color: white;"><span style="color: #38761d;"><span style="font-weight: bold;">$</span><span><b>182.80</b></span></span></span></span></i><i style="font-family: verdana; text-align: center;"><span style="background-color: white; font-family: verdana; font-style: normal; text-align: justify;">. Look for our March transactions as we have been very active this month. We've had 15 buys/sells in only eleven days so far! And we are looking to possibly buy more with valuations looking more attractive these days. </span></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u><br /></u></span></b></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span><span style="background-color: white;"><span>, 12</span></span></span></span></span></span><span style="background-color: white;"><span face=""><span><span face=""><span><span><span><span> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those <b>12</b></span></span></span></span></span><span face=""> co</span><span face="">mp</span></span><span face="">an</span><span face="">ie</span><span face="">s/ETFs/</span></span><span face="">Partnerships</span><span face=""> was:</span><span face=""><span><span> </span><b><span>$469.82</span></b></span><span> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">2/01/22 -<b> VZ</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">VERIZON COMMUNICATIONS COM</span>): $38.40</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face=""><span style="background-color: transparent;"><span style="font-family: verdana;">2/01/22 - </span><b>BMY</b><span style="font-family: verdana;"> (</span></span><span style="background-color: transparent; font-family: verdana;"><span style="font-size: 14px;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif;">BRISTOL MYERS SQUIBB CO</span>):</span> $18.90</span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">2/01/22 - <b>T </b>(</span></span></span></span></span><span style="font-family: verdana;"><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">AT & T INC</span>)</span><span style="font-family: verdana;">: $117.00</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>2/04/22 - <b>VOD</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">VODAFONE GROUP PLC</span>): $101.12</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>2/15/22 - <b>O </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span style="background-color: white; font-family: verdana;"><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">REALTY INCOME CORP REIT</span>): $4.19</span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>2/15/22 - <b>OHI </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">OMEGA HEALTHCARE REIT INVESTORS INC</span>): $43.55</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>2/15/22 - <b>BRMK </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></span></span></span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>2/17/22 - <b>DHC </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">DIVERSIFIED HEALTHCARE</span>): $4.75</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>2/18/22 - <b>ET </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">ENERGY TRANSFER LP</span>): $61.85</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>2/18/22 - <b>BKR </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">BAKER HUGHES A GE CO</span>): $4.75</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>2/28/22 - <b>LTC </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>2/28/22 - <b>HP </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">HELMERICH & PAYNE INC</span>): $15.00</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>2/01/22 - <b>T </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="background-color: white; font-family: verdana;"><span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">AT & T INC</span>): $49.21</span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;"><span style="color: #38761d;">$469.82</span></i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1tag:blogger.com,1999:blog-1893129263573703047.post-56953144900245383972022-02-22T05:30:00.003-08:002022-02-22T05:30:00.190-08:00Mortgage Balance (UPDATE) - February 2022<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span></span><br /><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,320,300</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #38761d;">$72,250</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. Not sure if everyone else is seeing the same but the housing market is still out of control here in Southern California. </span></div><div><span style="font-family: arial;"><br /></span></div><div><span style="font-family: arial;">As mentioned in our post back in May of last year, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now own a home that is worth over $1 million, and still climbing! And as of September of last year, our family is now sitting on a million dollars in home equity....and it appears to be growing each and every month!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhzIjGoVdQWvZMh7gK8-GvUIUpaAN8p1AE01MuLiUlQ3opFUWN9ZXpnt-3ZDKUB4CtGMk2pigWvWk2qQ_wJmp2MVTKViVOwjOiqJByOLeDGqOWU9DXC9z02egu8b5TvTX7JG8mh6iK0RUxTFHtNTxzL4dHSHdMvN2_y9fwl0Koti4UtxmVjEu9tbYMZ=s561" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="308" data-original-width="561" height="210" src="https://blogger.googleusercontent.com/img/a/AVvXsEhzIjGoVdQWvZMh7gK8-GvUIUpaAN8p1AE01MuLiUlQ3opFUWN9ZXpnt-3ZDKUB4CtGMk2pigWvWk2qQ_wJmp2MVTKViVOwjOiqJByOLeDGqOWU9DXC9z02egu8b5TvTX7JG8mh6iK0RUxTFHtNTxzL4dHSHdMvN2_y9fwl0Koti4UtxmVjEu9tbYMZ=w383-h210" width="383" /></a></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of February 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$162,033 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,611</span> from our January balance)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">12.3% </span>(down 1<span style="color: #38761d;">.0<span>%</span></span>)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,158,267 </span>(up <span style="color: #38761d;">$86,711</span>)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 6 months</strong></span></span><strong> (66 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 0 months (72 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 65% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-65856789587306639202022-02-04T09:37:00.005-08:002022-02-04T09:37:50.462-08:00January 2022 (Recap) - DIVIDENDS RECEIVED<p> <span style="text-align: center;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj4rmMHhgq5M4PGcs5rIH5WU-lqRdHomrgsg5Fd32omqQhb74jbKtPuYOzlAdC2yJkBSetE99gVzyq0pBO4hjGbNzeWFz0emLEw_Kq8rEyRwdMJcesNCEikmKryGbGou4tTNAXyxFj3qiao6VH8sPug_a4pAJ1e3v-XNkm3A0gPMDBEm5NOKrVXPrVj=s261" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="193" data-original-width="261" height="193" src="https://blogger.googleusercontent.com/img/a/AVvXsEj4rmMHhgq5M4PGcs5rIH5WU-lqRdHomrgsg5Fd32omqQhb74jbKtPuYOzlAdC2yJkBSetE99gVzyq0pBO4hjGbNzeWFz0emLEw_Kq8rEyRwdMJcesNCEikmKryGbGou4tTNAXyxFj3qiao6VH8sPug_a4pAJ1e3v-XNkm3A0gPMDBEm5NOKrVXPrVj" width="261" /></a></div><p></p><p></p><p></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">Happy Friday everyone!! Can't believe January flew by so quickly. The way things are going for our family so far in February, and with only 28 days in February, it appears that this coming month will fly by as quickly as January did. </span></span></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">After a brief pause to do some home improvements, our family resumed active trading in May of last year. </span><span><span style="background-color: white;">We have since resumed active trading activities each month. </span></span></span></p><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana;"><span style="background-color: white;"> we ha</span><span style="background-color: white;"><span>d <b>3</b></span><span> sells and <b>1</b></span><span> bu</span></span><span style="background-color: white;">y this past month.</span></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$126)</span></i></u><span style="background-color: white;">:</span></span></span></div><div style="background-color: white;"><ul><li><span style="font-family: verdana;"><b>SU </b>(</span><span><span style="font-family: verdana;">SUNCOR ENERGY INC) </span><span style="font-family: verdana;">- $126.00</span></span></li><li><span><span style="font-family: verdana;"><b>BKR</b> (</span></span>BAKER HUGHES A GE CO) - $36.00</li><li><b>OXY</b> (OCCIDENTAL PETE CORP) - $3.20</li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Buys (</span><i><span style="background-color: white;">increase in Fwd Dividends:</span><span style="background-color: white;"><span> $</span><span>10/</span><span>yr</span></span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">:</span></span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white; font-family: verdana;"><span><span><b>HES </b>(</span></span></span><span style="background-color: white;"><span style="font-family: verdana;">HESS CORPORATION) - $10.00</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><span style="font-family: verdana; font-style: normal; text-align: justify;"><span><span style="background-color: white;">With the activities seen above, our forward annual dividends, unfortunately, </span><span style="background-color: white;">decreased</span><span style="background-color: white;"> roughly </span></span><span style="background-color: white;"><span style="color: red;"><span style="font-weight: bold;">$</span><span><b>165.20</b></span></span></span></span></i><i style="font-family: verdana; text-align: center;"><span style="background-color: white; font-family: verdana; font-style: normal; text-align: justify;">. While our forward dividends did decrease this past month, we do have a little more cash to invest in the coming month now. Plus, our recent purchase of HES is currently up <b><span style="color: #38761d;">$150.61</span></b> which certainly takes a little bit of sting from the decrease to our forward dividends. </span></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u><br /></u></span></b></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span><span style="background-color: white;"><span>, 9</span></span></span></span></span></span><span style="background-color: white;"><span face=""><span><span face=""><span><span><span><span> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those <b>9</b></span></span></span></span></span><span face=""> co</span><span face="">mp</span></span><span face="">an</span><span face="">ie</span><span face="">s/ETFs/</span></span><span face="">Partnerships</span><span face=""> was:</span><span face=""><span><span> </span><b><span>$239.95</span></b></span><span> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">1/10/22 -<b> MO</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">ALTRIA GROUP INC</span>): $40.50</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face=""><span style="background-color: transparent;"><span style="font-family: verdana;">1/14/22 - </span><b>O</b><span style="font-family: verdana;"> (</span><span style="font-family: arial; font-size: x-small;">REALTY INCOME CORP</span></span><span style="background-color: transparent; font-family: verdana;"><span style="font-size: 14px;">):</span> $4.19</span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">1/14/22 - <b>OXY </b>(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">OCCIDENTAL PETE CORP</span>)</span><span style="font-family: verdana;">: $2.28</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>1/14/22 - <b>BRMK</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>1/18/22 - <b>LADR </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; color: #3b3331; font-size: 14px;">LADDER CAPITAL CORP CL A</span><span style="background-color: white; font-family: verdana;">): $20.00</span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>1/18/22 - <b>CAH </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">CARDINAL HEALTH INC</span>): $49.08</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>1/31/22 - <b>LTC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></span></span></span></span></span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>1/31/22 - <b>EIX </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">EDISON INTL</span>): $10.50</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>1/26/22 - <b>CMCSA </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">COMCAST CORP CLA</span><span style="background-color: white; font-family: verdana;">): $102.30</span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;"><span style="color: #38761d;">$239.95</span></i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com4Orange, CA, USA33.7879139 -117.85310075.477680063821154 -153.0093507 62.098147736178845 -82.6968507tag:blogger.com,1999:blog-1893129263573703047.post-32374107299536555922022-01-23T07:30:00.002-08:002022-02-21T18:40:56.907-08:00Mortgage Balance (UPDATE) - January 2022<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span></span><br /><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,236,200</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #38761d;">$2,842</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. In fact, our home value has gone up almost $330K since the beginning of the year. Not sure if everyone else is seeing the same but the housing market is out of control here in Southern California. </span></div><div><span style="font-family: arial;"><br /></span></div><div><span style="font-family: arial;">As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now own a home that is worth over $1 million, and still climbing! And as of September of this year, our family is now sitting on a million dollars in home equity!!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj73WVCsousyrm0CvHXEfKdBujZxqIdbYQLddY-Oq5eHtTvIIc5oHu2FcybUtP1Fs85F8B_KaPp8tNHfVKyCTte-zNTS_6vaeoA48kNh1rdbemqgLAkrHJHWTiNn0sBVRC3rSgu6_aMzPtJ9Pqkd6O04Ijvtl23C90s-WjZuS7tJ5HHV2jOr_l7aZDy=s526" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="259" data-original-width="526" height="158" src="https://blogger.googleusercontent.com/img/a/AVvXsEj73WVCsousyrm0CvHXEfKdBujZxqIdbYQLddY-Oq5eHtTvIIc5oHu2FcybUtP1Fs85F8B_KaPp8tNHfVKyCTte-zNTS_6vaeoA48kNh1rdbemqgLAkrHJHWTiNn0sBVRC3rSgu6_aMzPtJ9Pqkd6O04Ijvtl23C90s-WjZuS7tJ5HHV2jOr_l7aZDy=s320" width="320" /></a></div><br /><div class="separator" style="clear: both;"><br /></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of January 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$164,644 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,575</span> from our December balance)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">13.3% </span>(down <span style="color: #38761d;">0.2<span>%</span></span>)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,071,556 </span>(up <span style="color: #38761d;">$2,200</span>)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 7 months</strong></span></span><strong> (67 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 1 month (73 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 60% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-21646547242924913332022-01-22T10:25:00.006-08:002022-01-22T10:55:11.710-08:00Mortgage Balance (UPDATE) - December 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><span style="background-color: white;">This is a late post but work has been kicking my butt and I haven't really had much time to do anything other than work, family, a little bit of exercise, and sleep. I know there is no set time that a post needs to go out but regardless of how busy I get, I usually always try to do a monthly temperature reading on our family's finances. Our monthly mortgage balance update is one part of that temperature reading. So here it is, our December mortgage udpate: </span></span></div><div style="text-align: justify;"><span><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"><span><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span></span><br /><span style="font-family: arial;"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: justify;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,237,000</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #6aa84f;">$28,300</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. In fact, our home value has gone up almost $330K since the beginning of the year. Not sure if everyone else is seeing the same but the housing market is out of control here in Southern California. </span></div><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;">As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now own a home that is worth over $1 million, and still climbing! And as of September of this year, our family is now sitting on a million dollars in home equity!!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjMZb_fj89ATv92xe4k2JT1VAfmVc7jTwDeplovUcVxdgN78yjSwX6Ka2vRokokDEAiIUujxOiozxBpBZeS_Wn5lv-6cq2ryrivZATCjL8OsOjYogj3QUsiqez-wQsXGWdXwNGai-IUsrlqx0ADzjdSYrdmVCvs4bS3qKRIS8DqsRDQJYVcx3uHoIoH=s310" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="180" data-original-width="310" height="180" src="https://blogger.googleusercontent.com/img/a/AVvXsEjMZb_fj89ATv92xe4k2JT1VAfmVc7jTwDeplovUcVxdgN78yjSwX6Ka2vRokokDEAiIUujxOiozxBpBZeS_Wn5lv-6cq2ryrivZATCjL8OsOjYogj3QUsiqez-wQsXGWdXwNGai-IUsrlqx0ADzjdSYrdmVCvs4bS3qKRIS8DqsRDQJYVcx3uHoIoH" width="310" /></a></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of November 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$167,219 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,493</span> from our November post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">13.5% </span>(down <span style="color: #38761d;">0.5<span>%</span></span> since our November post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,069,356 </span>(up <span style="color: #38761d;">$30,393</span><span style="color: #274e13;"> </span>from our November post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 8 months</strong></span></span><strong> (68 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 2 months (74 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 60% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1tag:blogger.com,1999:blog-1893129263573703047.post-19172843880673511172022-01-22T09:57:00.001-08:002022-01-22T09:57:48.018-08:00December 2021 (Recap) - DIVIDENDS RECEIVED<p style="text-align: center;"> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-yx1mn_rMHpg/YaqyeNpOjxI/AAAAAAAAM4Q/2izmWsMo-1YzvNJY0L6zmt6jqwNjSpBBQCNcBGAsYHQ/s402/UpwardTrendGraph3.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="402" data-original-width="303" height="320" src="https://1.bp.blogspot.com/-yx1mn_rMHpg/YaqyeNpOjxI/AAAAAAAAM4Q/2izmWsMo-1YzvNJY0L6zmt6jqwNjSpBBQCNcBGAsYHQ/s320/UpwardTrendGraph3.jpg" width="241" /></a></div><p></p><p></p><p></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">This is a late post but work has been kicking my butt and I haven't really had much time to do anything other than work, family, a little bit of exercise, and sleep. I know there is no set time that a post needs to go out but regardless of how busy I get, I usually always try to do a monthly temperature reading on our family's finances. Our monthly dividends are one part of that temperature reading. So here it is, our December recap: </span></span></p><p><span style="font-family: verdana; text-align: justify;"><span style="background-color: white;">Our family had to hit the pause button on building our dividend income portfolio while we were trying to cash flow our home improvements last year and the earlier part of this year. I'm happy to say that our home improvement project is now complete and we resumed active trading back in May. Since we continued to make more purchases this past month, we saw our forward dividends increase roughly </span><b><span style="background-color: white;">$</span><span style="background-color: white;">128</span></b></span><span style="background-color: white; font-family: verdana; text-align: justify;"> This past month</span><span style="background-color: white; font-family: verdana; text-align: justify;">! I must admit that it is great to see our monthly and forward dividends continue to grow once again.</span></p><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana;"><span style="background-color: white;"> we ha</span><span style="background-color: white;"><span>d </span><b>0</b><span> sells and </span><span><b>9</b></span><span> bu</span></span><span style="background-color: white;">ys this past month.</span></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$0)</span></i></u><span style="background-color: white;">:</span></span></span></div><div style="background-color: white;"><ul><li>None</li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Buys (</span><i><span style="background-color: white;">increase in Fwd Dividends:</span><span style="background-color: white;"><span> $</span><span>127.98/</span><span>yr</span></span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">:</span></span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white; font-family: verdana;"><span><span><b>IQ </b>(</span></span>IQIYI INC A</span><span style="background-color: white;"><span style="font-family: verdana;">DR) </span><span style="font-family: verdana;">- none</span></span></li><li><span style="background-color: white; font-family: verdana;"><span><span><b>CAH</b> (</span></span>CARDINAL HEALTH INC) - <span>$68.70</span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>AI</b> (C3.AI INC CL A) </span><span><span style="font-family: verdana;">- none</span></span></span></li><li><span style="font-family: verdana;"><b>YUMC</b> (YUM CHINA HOLDINGS INC) -<span style="background-color: white;"> <span>$7.20</span></span></span></li><li><span style="background-color: white;"><span style="font-family: verdana;"><b>DIDI</b> (DIDI GLOBAL INC SPONSORED) </span><span style="font-family: verdana;">- none</span></span></li><li><span style="font-family: verdana;"><b>IBM</b> (INTERNATIONAL BUSINE MACHINE CORP) -<span style="background-color: white;"> <span>$19.68</span></span></span></li><li><span style="font-family: verdana;"><b>BMY</b> (BRISTOL MYERS SQUIBB CO<span style="background-color: white;">) <span>- $32.40</span></span></span></li><li><span style="background-color: white; font-family: verdana;"><b>KIND</b> (NEXTDOOR HLDGS INC CL A) - none</span></li><li><span style="background-color: white; font-family: verdana;"><b>CRON</b> (CRONOS GROUP INC) - none</span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span><span><span style="background-color: white;">, </span><span style="background-color: white;"><span>1</span><span>9</span></span></span></span></span></span></span><span><span face=""><span><span face=""><span><span><span style="background-color: white;"> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those </span><b style="background-color: white;">1</b></span><b style="background-color: white;">9</b></span></span><span face="" style="background-color: white;"> co</span><span face="" style="background-color: white;">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span><span style="background-color: white;"> </span><b><span style="background-color: white;">$840.85</span></b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">12/01/21 -<b> PNW</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">PINNACLE WEST CAP CORP</span>): $25.50</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">12/01/21 - <b>PSX </b>(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">PHILLIPS 66</span>)</span><span style="font-family: verdana;">: $7.36</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>12/01/21 - <b>HP</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">HELMERICH & PAYNE INC</span>): $15.00</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>12/01/21 - <b>ENB </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">ENBRIDGE INC</span>): $65.18</span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>12/07/21 - <b>ARMK </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">ARAMARK</span>): $4.40</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/10/21 - <b>LUMN </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">LUMEN TECHNOLOGIES</span>): $31.25</span></span></span></span></span></span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>12/10/21 - <b>IBM </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">INTERNATIONAL BUSINE MACHINE CORP</span>): $19.68</span></div><div><span style="background-color: white;"><span style="font-family: verdana;">12/10/21 - <b>XOM</b> (</span><span style="font-family: verdana;"><span style="font-size: 14px;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif">EXXON MOBIL CORP</span>):</span> $52.80</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;">12/10/21 - <b>AEP</b> (</span><span style="font-family: verdana;"><span style="font-size: 14px;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif">AMERICAN ELECTRIC PO INC</span>):</span> $11.70</span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;">12/15/21 - </span><b style="font-family: verdana;">O</b><span style="font-family: verdana;"> (</span><span style="font-family: arial; font-size: x-small;">REALTY INCOME CORP</span></span><span style="font-family: verdana;"><span style="font-size: 14px;">):</span> $4.18</span></span></div><div><span style="background-color: white; font-family: verdana;"><span>12/15/21 - <b>BRMK</b> (</span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">BROADMARK REALTY CAPITAL</span><span><span style="font-size: 14px;">):</span> $3.50</span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/15/21 - <b>LCEAX </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">INVESCO DIVERSIFIED DIV FUND CL A</span>): $13.57</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/15/21 - <b>LCEAX </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">INVESCO DIVERSIFIED DIV FUND CL A</span>): $459.45*</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/15/21 - <b>LCEAX </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">INVESCO DIVERSIFIED DIV FUND CL A</span>): $14.45**</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/17/21 - <b>NOV </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">NOV INC</span>): $6.00</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/20/21 - <b>RDS.B </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">ROYAL DUTCH SHELL PLC ADR B</span>): $28.80</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/23/21 - <b>EDIV </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">SPDR S&P EMERG MKT DIVIDEND</span>): $19.73</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/27/21 - <b>LMT </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">LOCKHEAD MARTIN CORP</span>): $8.40</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/28/21 - <b>SU </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">SUNCOR ENERGY INC</span>): $24.55</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/30/21 - <b>GILD </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">GILEAD SCIENCES INC</span>): $17.75</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>12/31/21 - <b>LTC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">LTC PROPERTIES INC</span>): $7.60</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white; font-size: xx-small;"><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white; font-size: x-small;">* <span> </span>LONG-TERM CAPITAL GAIN</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white; font-size: x-small;">** SHORT-TERM CAPITAL GAIN</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span><span style="font-family: verdana;"><span style="background-color: white;">N/A</span></span></span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$840.85</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-21614463110047148192021-12-03T16:11:00.001-08:002021-12-03T16:11:15.175-08:00November 2021 (Recap) - DIVIDENDS RECEIVED<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-fHdlZhi3MoE/YYVeShU1vOI/AAAAAAAAM2Y/nHWphmNqOZAppjr25pamI2UVNce8F_sOgCLcBGAsYHQ/s347/UpwardTrendGraph1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="346" data-original-width="347" height="319" src="https://1.bp.blogspot.com/-fHdlZhi3MoE/YYVeShU1vOI/AAAAAAAAM2Y/nHWphmNqOZAppjr25pamI2UVNce8F_sOgCLcBGAsYHQ/s320/UpwardTrendGraph1.jpg" width="320" /></a></div><p></p><p></p><p><span style="background-color: white; font-family: verdana; text-align: justify;">Our family had to hit the pause button on building our dividend income portfolio while we were trying to cash flow our home improvements last year and the earlier part of this year. I'm happy to say that our home improvement project is now complete and we resumed active trading back in May. Since we made a few purchases this past month, we saw our forward dividends increase this past month a roughly <b>$265</b>! I must admit that it is great to see our monthly and forward dividends start to grow once again.</span></p><div style="text-align: justify;"><span style="background-color: white;"><span style="font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana;"> we had <b>0</b> sells and <b>6</b> buys this past month.</span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$0)</span></i></u><span style="background-color: white;">:</span></span></span></div><div style="background-color: white;"><ul><li>None</li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><u>Buys (<i>increase in Fwd Dividends: $264.40/yr</i>)</u>:</span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white; font-family: verdana;"><span><span><b>VZ </b>(</span></span>VERIZON COMMUNICATIONS COMPANY)</span></li><li><span style="font-family: verdana;"><span><span style="background-color: white;"><b>AI</b> (</span></span>C3.AI INC CL A)</span></li><li><span style="font-family: verdana;"><b>BMY</b> (BRISTOL MYERS SQUIBB CO)</span></li><li><span style="font-family: verdana;"><b>DAL</b> (DELTA AIR LINES INC)</span></li><li><span style="font-family: verdana;"><b>DHC</b> (DIVERSIFIED HEALTHCARE TR)</span></li><li><span style="font-family: verdana;"><b>T</b> (AT & T INC)</span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span style="background-color: white;"><span>, 13</span></span></span></span></span><span><span face=""><span style="background-color: white;"><span face=""><span> companies/ETFs/Partnerships/Cash In-Lieu. The total monies received from those <b>13</b></span></span><span face=""> co</span><span face="">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span><span style="background-color: white;"> </span><b><span style="background-color: white;">$334.87</span></b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">11/01/21 -<b> VZ</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">VERIZON COMMUNICATIONS COM</span>): $12.80</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">11/01/21 - <b>O </b>(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">REALTY INCOME CORP</span>)</span><span style="font-family: verdana;">:</span><span style="font-family: verdana;"> $44.04 - Cash In-Lieu</span></span></div><div><span style="background-color: white;"><span><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>11/01/21 - <b>BMY</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">BRISTOL MYERS SQUIBB CO</span>): $4.80</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>11/01/21 - <b>T </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif">AT & T INC</span></span>): $78.00</span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>11/04/21 - <b>KD </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">KYNDRYL HLDGS INC</span>): $10.88 - Cash In-Lieu</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>11/12/21 - <b>BKR </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-size: 14px;">BAKER HUGHES A GE CO</span>): $16.20</span></span></span></span></span></span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>11/15/21 - <b>O </b></span></span></span><span><span><span>(</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size: 14px;">REALTY INCOME CORP REIT</span>): $4.15</span></div><div><span style="background-color: white;"><span style="font-family: verdana;">11/15/21 - <b>ONL</b> (</span><span style="font-family: verdana;"><span style="font-size: 14px;">ORION OFFICE REIT INC):</span> $15.06 - Cash In Lieu</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;">11/15/21 - <b>OHI</b> (</span><span style="font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">OMEGA HEALTHCARE REIT INVESTORS INC</span><span style="font-family: verdana;"><span style="font-size: 14px;">):</span> $33.50</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;">11/15/21 - <b>BRMK</b> (</span><span style="font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span><span style="font-family: verdana;"><span style="font-size: 14px;">):</span> $3.50</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;">11/18/21 - <b>DHC</b> (</span><span style="font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">DIVERSIFIED HEALTHCARE TR</span><span style="font-family: verdana;"><span style="font-size: 14px;">):</span> $1.75</span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>11/19/21 - <b>ET </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">ENERGY TRANSFER LP</span>): $53.38</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>11/30/21 - <b>LTC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span>11/2/21 - <b>T</b></span></span><span style="font-family: verdana;"><span><span><b> </b></span></span></span><span style="font-family: verdana;">(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="font-size: 14px;">AT & T INC</span>): $49.21</span></span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$334.87</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com2tag:blogger.com,1999:blog-1893129263573703047.post-88831227970710501492021-11-19T09:30:00.002-08:002021-11-19T09:30:58.383-08:00Mortgage Balance (UPDATE) - November 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span><br /><span face="verdana, sans-serif"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: left;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,208,700</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #6aa84f;">$15,600</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. In fact, our home value has gone up almost $300K since the beginning of the year. Not sure if everyone else is seeing the same but the housing market is out of control here in Southern California. </span></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div style="text-align: left;"><span style="font-family: arial;">As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now own a home that is worth over $1 million, and still climbing! And as of September of this year, our family is now sitting on a million dollars in home equity!!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-rYXceErlbjc/YZfd5z4LOeI/AAAAAAAAM3E/GS4j2HIoAHsR7v1Vac8zIRkQInJ4_IlWwCLcBGAsYHQ/s595/Zillow_Nov2021.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="291" data-original-width="595" height="194" src="https://1.bp.blogspot.com/-rYXceErlbjc/YZfd5z4LOeI/AAAAAAAAM3E/GS4j2HIoAHsR7v1Vac8zIRkQInJ4_IlWwCLcBGAsYHQ/w396-h194/Zillow_Nov2021.JPG" width="396" /></a></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of November 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$169,737 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,487</span> from our October post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">14.0% </span>(down <span style="color: #38761d;">0.3<span>%</span></span> since our October post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,038,963 </span>(up <span style="color: #38761d;">$13,087</span><span style="color: #274e13;"> </span>from our October post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 9 months</strong></span></span><strong> (69 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 3 months (75 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 60% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-72786375537572364932021-11-02T17:26:00.003-07:002021-11-02T17:26:44.438-07:00October 2021 (Recap) - DIVIDENDS RECEIVED<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-C9v1DQSPlxs/YXRHwhqGdcI/AAAAAAAAM1U/dvwEi1WWaJEzGxvEkzs8RDULglZ7JJnuQCLcBGAsYHQ/s640/UpwardTrendGraph8.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="480" data-original-width="640" height="240" src="https://1.bp.blogspot.com/-C9v1DQSPlxs/YXRHwhqGdcI/AAAAAAAAM1U/dvwEi1WWaJEzGxvEkzs8RDULglZ7JJnuQCLcBGAsYHQ/s320/UpwardTrendGraph8.jpg" width="320" /></a></div><p></p><p><span style="background-color: white; font-family: verdana; text-align: justify;">We had hit pause while we're trying to cash flow our home improvements last year part of the beginning of this year. I'm happy to say that our home improvement project is now complete and we resumed active trading back in May. Although we saw our forward dividends decrease this past month, generally speaking, it is great to see our monthly and forward dividends start to grow once again.</span></p><div style="text-align: justify;"><span style="background-color: white;"><span style="font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="font-family: verdana;"> we had <b>3</b> sells and <b>5</b> buys this past month.</span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u><span style="background-color: white;">Sells (</span><i><span style="background-color: white;">decrease in Fwd Dividends: </span><span style="background-color: white;">$299.16</span></i><span style="background-color: white;">)</span></u><span style="background-color: white;">:</span></span></span></div><div style="background-color: white;"><ul><li style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><b>NOV</b> (NOV INC)</span></span></li><li style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><b>KMI</b> (KINDER MORGAN IN)</span></span></li><li><b>VER</b> (VEREIT INC)</li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><u>Buys (<i>increase in Fwd Dividends: $127.64/yr</i>)</u>:</span></span></div><div style="text-align: justify;"><ul><li><span style="background-color: white; font-family: verdana;"><span><span><b>VZ </b>(</span></span>VERIZON COMMUNICATIONS COMPANY)</span></li><li><span style="background-color: white; font-family: verdana;"><b>OHI</b> (OMEGA HEALTHCARE REIT INVESTORS INC)</span></li><li><span style="font-family: verdana;"><span style="background-color: white;"><b>PNW</b> (PINNACLE WEST CAP CORP)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;"><b>LMT</b> (LOCKHEED MARTIN CORP)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;"><b>OXY</b> (OCCIDENTAL PETROLEUM) - <i>trade warrant</i> </span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span style="background-color: white;"><span>, 9</span></span></span></span></span><span><span face=""><span style="background-color: white;"><span face=""><span> companies/ETFs/Partnerships. The total monies received from those <b>9</b></span></span><span face=""> co</span><span face="">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span><span style="background-color: white;"> </span><b><span style="background-color: white;">$</span><span style="background-color: white;">240.94</span></b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="font-family: verdana;"><span face="" style="background-color: white;"><span><strong><br /></strong></span></span><span face=""><span style="background-color: white;"><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="background-color: white; font-family: verdana;"><br /><span><span face="">10/12/21 -<b> MO</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ALTRIA GROUP INC</span>): $40.50</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">10/15/21 - <b>VER </b>(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">VEREIT INC</span>)</span><span style="font-family: verdana;">:</span><span style="font-family: verdana;"> $23.10</span></span></div><div><span style="background-color: white;"><span><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>10/15/21 - <b>OXY</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">OCCIDENTAL PETE CORP</span>): $2.10</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>10/15/21 - <b>LADR </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LADDER CAPITAL CORP CL A</span>): $20.00</span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>10/15/21 - <b>CAH </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">CARDINAL HEALTH INC</span>): $31.90</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>10/15/21 - <b>BRMK </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>10/29/21 - <b>EIX </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">EDISON INTL</span>): $9.94</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>10/29/21 - <b>LTC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span style="background-color: white;">10/28/21 - </span></span><span style="font-family: verdana;"><span><span><b>CMCSA </b></span></span></span><span style="font-family: verdana;">(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">COMCAST CORP CL A</span>): $102.30</span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$</i><i style="background-color: white;">240.94</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com2tag:blogger.com,1999:blog-1893129263573703047.post-68825313656593594822021-10-22T09:55:00.003-07:002021-11-05T09:50:16.029-07:00Mortgage Balance (UPDATE) - October 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span><br /><span face="verdana, sans-serif"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: left;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,198,100</b></span><span style="font-size: large;"> </span>(up<b> </b><b><span><span style="color: #6aa84f;">$21,490</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. In fact, our home value has gone up almost $300K since the beginning of the year. Not sure if everyone else is seeing the same but the housing market is out of control here in southern California. As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now own a home that is worth over $1 million, and still climbing! And as of September of this year, we are now sitting on a million dollars in home equity!!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-eVVriC6x4k4/YXLo4tgpxRI/AAAAAAAAM1E/0rjY1YQHZB8sstlwPuLrQODRJGR9UawUACLcBGAsYHQ/s556/Zillow_Oct2021.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="282" data-original-width="556" height="188" src="https://1.bp.blogspot.com/-eVVriC6x4k4/YXLo4tgpxRI/AAAAAAAAM1E/0rjY1YQHZB8sstlwPuLrQODRJGR9UawUACLcBGAsYHQ/w372-h188/Zillow_Oct2021.JPG" width="372" /></a></div><div class="separator" style="clear: both;"><br /></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of October 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$172,224 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,482</span> from our September post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">14.3% </span>(down <span style="color: #38761d;">0.4<span>%</span></span> since our September post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,025,876 </span>(up <span style="color: #38761d;">$16,682</span><span style="color: #274e13;"> </span>from our September post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 10 months</strong></span></span><strong> (70 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 4 months (76 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Personally, I would like to have it paid off before I retire, and ideally a couple of years beforehand. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">With my wife back to work, we are blessed that we now have more money to both invest and through towards the mortgage. We did some home improvement projects last year but this year has been all about building wealth and decreasing our mortgage payoff date. We are actively buying dividend stocks again and thereafter throwing unspent monies towards the mortgage balance. At a certain point, we may consider using some of the money from our dividend stocks account to wipe out the remaining mortgage balance. The dividend stocks account is roughly 60% of our mortgage balance so there isn't enough just yet. But the idea is to build the dividend stocks account while simultaneously decreasing the mortgage balance until both numbers are equal. At that point, whether we decide to do it or not, the option would exist to wipe out the mortgage using the dividend stocks account. </span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1tag:blogger.com,1999:blog-1893129263573703047.post-29763641639315685532021-10-01T09:08:00.000-07:002021-10-01T09:08:02.782-07:00September 2021 (Recap) - DIVIDENDS RECEIVED<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-bdBmckCNnEI/YVcyRcNpU4I/AAAAAAAAM0I/qt665Un1USMzRG7EkoD2yC0zsOiv9MUPwCLcBGAsYHQ/s312/MoneyUpArrow.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="299" data-original-width="312" height="256" src="https://1.bp.blogspot.com/-bdBmckCNnEI/YVcyRcNpU4I/AAAAAAAAM0I/qt665Un1USMzRG7EkoD2yC0zsOiv9MUPwCLcBGAsYHQ/w267-h256/MoneyUpArrow.jpg" width="267" /></a></div><p></p><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;">Our family had decided to stop adding to our stock portfolio while were trying to cash flow our home improvements towards the end of last year and the beginning of this year. I'm happy to say that our home improvement project is now complete. We resumed active trading back in May and, as a result, seeing our monthly and forward dividends continue to grow once again.</span></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="background-color: white; font-family: verdana;"> we had <b>1</b> sell and <b>5</b> buys this past month.</span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u>Sells (<i>decrease in Fwd Dividends: $0</i>)</u>:</span></span></div><div style="font-family: "Times New Roman";"><ul><li><span><span style="font-family: verdana;"><b>LI</b> (LI Auto Inc)</span></span></li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><u>Buys (<i>increase in Fwd Dividends: $163.20/yr</i>)</u>:</span></span></div><div style="text-align: justify;"><ul><li><span style="font-family: verdana;"><span style="background-color: white;"><b>PSX</b> (PHILLIPS 66)</span></span></li><li><span style="font-family: verdana;"><span><span style="background-color: white;"><b>LTC</b> (</span></span>LTC PROPERTIES INC REIT)</span></li><li><span style="font-family: verdana;"><span><span style="background-color: white;"><b>IQ </b>(</span></span>IQIYI INC ADR)</span></li><li><span style="font-family: verdana;"><b>OHI</b> (OMEGA HEALTHCARE REIT INVESTORS INC)</span></li><li><span style="font-family: verdana;"><span style="background-color: white;"><b>PNW</b> (PINNACLE WEST CAP CORP)</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><span style="font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span style="background-color: white;"><span>, 14</span></span></span></span></span><span><span face=""><span style="background-color: white;"><span face=""><span> companies/ETFs/Partnerships. The total monies received from those <b>14</b></span></span><span face=""> co</span><span face="">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span style="background-color: white;"> <b>$324.62</b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="background-color: white; font-family: verdana;"><span face=""><span><strong><br /></strong></span></span><span face=""><span><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">09/01/21 -<b> WFC</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">WELLS FARGO & CO</span>): $6.00</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span face="">09/01/21 - <b>ENB </b>(</span></span></span></span></span><span style="color: #3b3331; font-family: verdana; font-size: 14px;">ENBRIDGE INC</span><span style="font-family: verdana;">)</span><span style="font-family: verdana;">:</span><span style="font-family: verdana;"> $66.31</span></span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>09/08/21 - <b>ARMK</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ARAMARK</span>): $4.40</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>09/10/21 - <b>LUMN </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LUMEN TECHNOLOGIES INC</span>): $31.25</span></div><div><span style="background-color: white;"><span><span style="font-family: verdana;"><span><span>09/10/21 - <b>IBM </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">INTERNATIONAL BUSINESS MACHINE CORP</span>): $19.68</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/10/21 - <b>XOM </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">EXXON MOBIL CORP</span>): $52.20</span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/10/21 - <b>AEP </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">AMERICAN ELECTRIC POWER INC</span>): $11.10</span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/15/21 - <b>BRMK </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span>09/20/21 - <b>RDS.B</b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span><b> </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LTC PROPERTIES INC</span>): $28.80</span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/23/21 - <b>EDIV </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">SPDR S&P EMERGING ETF MARKETS</span>): $47.89</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/24/21 - <b>SU </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">SUNCOR ENERGY INC</span>): $12.40</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/24/21 - <b>LCEAX </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">INVESCO DIVERSIFIED DIVIDEND FUND CL A</span>): $15.74</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/29/21 - <b>GILD </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">GILEAD SCIENCES INC</span>): $17.75</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>09/30/21 - <b>LTC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LTC PROPERTIES INC REIT</span>): $7.60</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="font-family: verdana;"><span style="background-color: white;">N/A</span></span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$324.62</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com3tag:blogger.com,1999:blog-1893129263573703047.post-14187386684290262812021-09-19T13:04:00.005-07:002021-11-05T09:51:18.392-07:00Mortgage Balance (UPDATE) - September 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span><br /><span face="verdana, sans-serif"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: left;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,183,900</b></span><span style="font-size: large;"> </span>(<b><span><span style="color: #6aa84f;">$34,000</span></span></b></span><span>)</span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. In fact, our home value has gone up almost $200K in the last several months. Not sure if everyone else is seeing the same but the housing market is out of control here in southern California. As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now own a home that is worth over $1 million! And as of this past month, we are officially sitting on a million dollars in home equity!!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-Fq_NNzzwTXU/YUTcpTel8KI/AAAAAAAAMzM/V5kDTWSE7bs_Z0hyVW7kZPSWGnXvoh9WQCLcBGAsYHQ/s638/Zillow_Sept2021.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="285" data-original-width="638" height="190" src="https://1.bp.blogspot.com/-Fq_NNzzwTXU/YUTcpTel8KI/AAAAAAAAMzM/V5kDTWSE7bs_Z0hyVW7kZPSWGnXvoh9WQCLcBGAsYHQ/w427-h190/Zillow_Sept2021.JPG" width="427" /></a></div><br /><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><br /></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of September 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$174,706 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,376</span> from our August post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">14.7% </span>(down <span style="color: #38761d;">0.8<span>%</span></span> since our August post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$1,009,194 </span>(up <span style="color: #38761d;">$40,676</span><span style="color: #274e13;"> </span>from our August post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 11 months</strong></span></span><strong> (71 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 5 months (77 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Nevertheless, I would like to have it paid off in roughly 5 years. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">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, we may consider using some of the 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.</span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com0tag:blogger.com,1999:blog-1893129263573703047.post-41182632665100139232021-09-03T08:53:00.000-07:002021-09-03T08:53:03.986-07:00August 2021 (Recap) - DIVIDENDS RECEIVED<p style="text-align: center;"> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAoPAVL1aV2rER1EdsYgdbaKNUj9dnlb3HNsBHlS_1EwUQaqamQ2W_9ZZt8BSeT7tbmyUWxT26NAyV7-p2fr7oIfAJP6wHJx8oGuRcf9r0oyzkcZdAnGgzql9DHRUmXA4v3hRqpEZ02bs/s400/UpwardTrendGraph6.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="324" data-original-width="400" height="259" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAoPAVL1aV2rER1EdsYgdbaKNUj9dnlb3HNsBHlS_1EwUQaqamQ2W_9ZZt8BSeT7tbmyUWxT26NAyV7-p2fr7oIfAJP6wHJx8oGuRcf9r0oyzkcZdAnGgzql9DHRUmXA4v3hRqpEZ02bs/s320/UpwardTrendGraph6.jpg" width="320" /></a></div><p></p><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;">Our family had decided to stop adding to our stock portfolio while were trying to cash flow our home improvements towards the end of last year and the beginning of this year. I'm happy to say that our home improvement project is now complete. We resumed active trading back in May and, as a result, seeing our monthly and forward dividends continue to grow once again.</span></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="background-color: white; font-family: verdana;"> we had <b>3</b> sells and <b>1</b> buy this past month.</span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><div style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><u>Sells</u>:</span></span></div><div style="font-family: "Times New Roman";"><ul><li><span><span style="font-family: verdana;">LI (LI Auto Inc)</span></span></li><li><span style="font-family: verdana;"><span>WFC (Wells Fargo & Co)</span></span></li><li><span style="font-family: verdana;"><span>VEREIT INC</span></span></li></ul></div></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><u>Buys</u>:</span></span></div><div style="text-align: justify;"><ul><li><span style="font-family: verdana;"><span style="background-color: white;">IQ (IQIYI Inc)</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u><br /></u></span></b></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><span style="font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><br /></span></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span style="background-color: white;"><span>, 11</span></span></span></span></span><span><span face=""><span style="background-color: white;"><span face=""><span> companies/ETFs/Partnerships. The total monies received from those <b>11</b></span></span><span face=""> co</span><span face="">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span style="background-color: white;"> <b>$420.51</b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="background-color: white; font-family: verdana;"><span face=""><span><strong><br /></strong></span></span><span face=""><span><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">08/02/21 -<b> BMY</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BRISTOL MYERS SQUIBB CO</span>): $4.90</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span face="">08/02/21 - <b>T </b>(</span></span></span></span><span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">AT & T INC </span>)</span><span>:</span><span> $78.00</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>08/03/21 - <b>VZ</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; color: #3b3331; font-size: 14px;">VERIZON COMMUNICATIONS COM</span>): $12.55</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>08/06/21 - <b>VOD </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">VODAFONE GROUP PLC</span>): $106.48</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span>08/13/21 - <b>BRMK </b></span></span></span><span style="font-family: verdana;">(</span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>08/16/21 - <b>KMI </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">KINDER MORGAN INC</span>): $74.79</span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span>08/19/21 - <b>ET </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">ENERGY TRANSFER LP</span>): $53.38</span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span>08/19/21 - <b>DHC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">DIVERSIFIED HEALTHCARE TR</span>): $1.75</span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span>08/20/21 - <b>BKR </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">BAKER HUGHES A GE CO</span>): $16.20</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span>08/31/21 - <b>LTC </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">LTC PROPERTIES INC</span>): $4.75</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span>08/31/21 - <b>HP </b></span></span></span><span style="font-family: verdana;"><span><span>(<span style="background-color: #f9f7f6; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">HELMERICH & PAYNE INC</span>): 15.00</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><br /></div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span>02/02/21 - </span></span></span><span style="font-family: verdana;"><span><span><span><span face=""><b>T </b>(</span></span></span></span><span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">AT & T INC </span>)</span>: $49.21</span></span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$420.51</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><p><span style="font-family: verdana;"><span></span><br /></span></p><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1tag:blogger.com,1999:blog-1893129263573703047.post-62607873825121425652021-08-20T09:14:00.001-07:002021-11-05T09:51:39.038-07:00Mortgage Balance (UPDATE) - August 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span><br /><span face="verdana, sans-serif"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: left;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,145,600</b></span><span style="font-size: large;"> </span>(<b><span><span style="color: #6aa84f;">$48,771</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo. In fact, our home value has gone up almost $150K in the last months. Not sure if everyone else is seeing the same but the housing market is out of control here in southern California. As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now "almost" own a home that is worth over $1 million! If things continue, we could be sitting on a million dollars in home equity by the end of the year!!</span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-jTJLFLCpyZ8/YR_TBIOrjDI/AAAAAAAAMx0/c_fcXi7ohK0TfQH1FqZsOyXbpAPTi_aegCLcBGAsYHQ/s583/Zillow_Aug2021.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="289" data-original-width="583" height="198" src="https://1.bp.blogspot.com/-jTJLFLCpyZ8/YR_TBIOrjDI/AAAAAAAAMx0/c_fcXi7ohK0TfQH1FqZsOyXbpAPTi_aegCLcBGAsYHQ/w399-h198/Zillow_Aug2021.JPG" width="399" /></a></div><div class="separator" style="clear: both;"><br /></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of August 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$177,082 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$4,535</span> from our July post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">15.5% </span>(down <span style="color: #38761d;">0.7<span>%</span></span> since our July post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$968,518 </span>(up <span style="color: #38761d;">$31,735</span><span style="color: #274e13;"> </span>from our July post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 10 months</strong></span></span><strong> (70 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 6 months (78 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Nevertheless, I would like to have it paid off in roughly 5 years. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">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, we may consider using some of the 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.</span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com2tag:blogger.com,1999:blog-1893129263573703047.post-28729119310835974952021-08-01T10:27:00.000-07:002021-08-01T10:27:03.341-07:00July 2021 (Recap) - DIVIDENDS RECEIVED<p style="text-align: center;"> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-3MLMSUEzY-M/YPw8AWVGuFI/AAAAAAAAMvc/VQabPgry0Cw0JChoOzqtrpybZt1TR2vdQCLcBGAsYHQ/s416/UpwardTrendGraph5.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="331" data-original-width="416" src="https://1.bp.blogspot.com/-3MLMSUEzY-M/YPw8AWVGuFI/AAAAAAAAMvc/VQabPgry0Cw0JChoOzqtrpybZt1TR2vdQCLcBGAsYHQ/s320/UpwardTrendGraph5.jpg" width="320" /></a></div><p></p><p></p><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;">Our family had decided to stop adding to our stock portfolio while were trying to cash flow our home improvements towards the end of last year and the beginning of this year. I'm happy to say that our home improvement project is now complete. We resumed active trading back in May. </span></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: verdana;">Although we no longer post full details of our buys and sells activities,</span><span style="background-color: white; font-family: verdana;"> we had <b>1</b> sell and <b>6</b> buys this past month.</span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><br /></span></span></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><u>Buys</u>:</span></span></div><div style="text-align: justify;"><ul><li><span style="font-family: verdana;"><span style="background-color: white;">ARMK (Arimark)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;">NOV (Nov Inc)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;">IQ (IQIYI Inc)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;">RDS.B (Royal Dutch Shell)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;">EIX (Edison Internation)</span></span></li><li><span style="font-family: verdana;"><span style="background-color: white;">LTC (LTC Properties Inc)</span></span></li></ul></div><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;"><u>Sells</u>:</span></span></div><div style="text-align: justify;"><ul><li><span><span style="background-color: white; font-family: verdana;">LI (LI Auto Inc)</span></span></li></ul></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><span style="font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span style="background-color: white;"><span>, 7</span></span></span></span></span><span><span face=""><span style="background-color: white;"><span face=""><span> companies/ETFs/Partnerships. The total monies received from those <b>7</b></span></span><span face=""> co</span><span face="">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span style="background-color: white;"> <b>$244.70</b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="background-color: white; font-family: verdana;"><span face=""><span><strong><br /></strong></span></span><span face=""><span><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">07/09/21 -<b> MO</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ALTRIA GROUP INC</span>): $38.70</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span face="">07/15/21 - <b>VER </b>(</span></span></span></span><span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">VEREIT INC</span>)</span><span>:</span><span> $46.20</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>07/15/21 - <b>OXY</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; color: #3b3331; font-size: 14px;">OCCIDENTAL PETE CORP</span>): $2.10</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>07/15/21 - <b>LADR </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">LADDER CAPITAL CORP CL A</span>): $20.00</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span>07/15/21 - <b>CAH </b></span></span></span><span style="font-family: verdana;">(</span></span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: white; color: #3b3331; font-size: 14px;">CARDINAL HEALTH INC</span><span style="background-color: white; font-family: verdana;">): $31.90</span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>07/15/21 - <b>BRMK </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="background-color: #f9f7f6; color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></span></span></span></div><div> </div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span>07/28/21 - <b>CMCSA </b></span></span></span><span style="font-family: verdana;">(<span style="color: #3b3331;"><span style="font-size: 14px;">COMCAST CORP CL A</span></span>): $102.30</span></span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$244.40</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you are interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><span style="font-family: verdana;"><span></span><br /></span><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com5tag:blogger.com,1999:blog-1893129263573703047.post-3027311415452359082021-07-19T05:00:00.005-07:002021-11-05T09:52:02.794-07:00Mortgage Balance (UPDATE) - July 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span><br /><span face="verdana, sans-serif"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: left;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,118,400</b></span><span style="font-size: large;"> </span>(<b><span><span style="color: #6aa84f;">$103,392</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo, our home value went up almost $100K this past month. Not sure if everyone else is seeing the same but the housing market is out of control here in southern California. As mentioned in our post back in May, a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now "almost" own a home that is worth over $1 million! </span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-Qh_I5jydLuU/YPUBGk5B5qI/AAAAAAAAMvI/MpIp22CGOUQgQvUQC5nCfQ9NZF7hwa4sQCLcBGAsYHQ/s572/Zillow_Jul2021.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="292" data-original-width="572" src="https://1.bp.blogspot.com/-Qh_I5jydLuU/YPUBGk5B5qI/AAAAAAAAMvI/MpIp22CGOUQgQvUQC5nCfQ9NZF7hwa4sQCLcBGAsYHQ/s320/Zillow_Jul2021.JPG" width="320" /></a></div><div class="separator" style="clear: both;"><br /></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of July 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$181,617 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,234</span> from our June post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">16.2% </span>(down <span style="color: #38761d;">0.9<span>%</span></span> since our June post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$936,783 </span>(up <span style="color: #38761d;">$56,934</span><span style="color: #274e13;"> </span>from our June post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 5 years and 11 months</strong></span></span><strong> (71 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 7 months (79 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Nevertheless, I would like to have it paid off in roughly 5 years. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">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, we may consider using some of the 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.</span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com3tag:blogger.com,1999:blog-1893129263573703047.post-17487271993608834212021-07-09T05:00:00.001-07:002021-07-09T05:00:00.264-07:00Net Worth Report (July 2021 Update)<p style="text-align: center;"> <a href="https://1.bp.blogspot.com/-ceSxpKj0nM8/XvTPdqX7CJI/AAAAAAAAJiU/-y6wpZY7xP0gqvPxO8CYsjGN07L9j1kfQCLcBGAsYHQ/s1600/Networth%2BGraphic%2B2.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="553" data-original-width="650" height="340" src="https://1.bp.blogspot.com/-ceSxpKj0nM8/XvTPdqX7CJI/AAAAAAAAJiU/-y6wpZY7xP0gqvPxO8CYsjGN07L9j1kfQCLcBGAsYHQ/s400/Networth%2BGraphic%2B2.JPG" width="400" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><span face=""verdana" , sans-serif">We originally set out to provide just annual <a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth</strong></a> updates and then eventually started to do quarterly updates. Now that we have significantly slowed the pace of our posts, I think we will like just pop in once or twice a year simply to let everyone know how we are doing and to keep ourselves honest and looking forward to our ultimate goal of early retirement and/or Financial Independence! </span><br /><span face=""verdana" , sans-serif"><br /></span><span face=""verdana" , sans-serif">Also, in case you have not come across it, we are part of an active list of bloggers who provide their net worth. The list was previously on <i>Rockstar Finance</i> blog, but<span face=""verdana" , sans-serif"> <span style="color: #3d85c6;"><strong><a href="https://celebnetworthoff.wordpress.com/2020/05/29/the-ultimate-list-of-blogger-net-worths/" target="_blank">The Ultimate List of Blogger Net Worth</a> </strong>can now be found on the <i>Caleb Net Worth</i> blog</span></span>. Unfortunately, it appears that the list is no longer being maintained, it is still fun to see if we can continue to climb the static list and hopefully reach the top one day. :) </span></span></div><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;">According to the list, </span><span style="font-family: arial;">which was last updated on May 20, 2020, </span><span style="font-family: arial;">our family was at</span><span style="background-color: white; font-family: arial;"> <b><span style="color: blue;">No. 52</span></b> (</span><i style="font-family: arial;"><span style="background-color: white;">out of a total of 283 b</span>loggers</i><span style="font-family: arial;">). And after our previous update in August of 2020, we had jumped up a few spots to No. </span><span style="background-color: white; font-family: arial;">38 </span><span style="font-family: arial;">on the list. And after this post, we continue to move up the static list and stand at N<span style="background-color: white;">o. </span></span><span style="background-color: white; font-family: arial;">22 </span><span style="font-family: arial;"><span style="background-color: white;">(albeit stati</span>c since it hasn't been updated)</span><span style="font-family: arial;">. With my wife now back in the workforce this past year and her hours and paychecks are both steadily growing, we have continued to see significant momentum with the growth in our family's net worth growth past year. I am happy to say that I also just received a long-overdue promotion this past month so that momentum should continue as we look to finish the last few laps of our financial journey and prepare for retirement in about 6 years or less. </span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: "verdana";"><br /></span><span style="font-family: "verdana";">As of July 1, 2021, our family net worth was as follows:</span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><br /><span><span style="background-color: white; font-family: "verdana";">Retirement Savings: <span> </span><span> </span></span><span style="background-color: white;"><span style="font-family: "verdana";"><span>$ </span><span>768,763</span></span><span style="font-family: "verdana";"> </span></span></span></div><div style="text-align: justify;"><span style="background-color: white;"><span style="font-family: "verdana";">P2P Lending Account (Prosper):<span> </span>$ </span><span style="font-family: "verdana";">1,936</span></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: "verdana";">Dividend Stock Accounts (DSA): </span><span style="background-color: white;"><span style="font-family: "verdana";"> </span><br /><span><span style="font-family: "verdana";"><span> Wells Fargo: $ </span><span>77,803</span></span></span><br /><span style="font-family: "verdana";"> Edward Jones: <span> </span>$ 26,385 </span><br /><span><span style="font-family: "verdana";">DSA - Surplus Cash: <span> </span>$ </span><span style="font-family: "verdana";">28,313</span></span></span><br /><span><span style="background-color: white; font-family: "verdana";">College Savings Accounts: <span> </span>$132,834</span></span></div><div style="text-align: justify;"><span style="background-color: white; font-family: "verdana";">Cash and Savings: <span> </span>$ </span><span style="background-color: white;"><span style="font-family: "verdana";"> </span><span style="font-family: "verdana";">71,572</span></span></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: "verdana";"><strong><u style="background-color: white;">GRAND TOTAL</u></strong></span></div><div style="text-align: center;"><span style="background-color: white;"><strong><span style="font-family: "verdana"; font-size: large;">$1,107,606</span></strong><br /><span style="font-family: "verdana";"><span>(</span><i><span>Increase of </span><span><b><span style="color: #38761d;">$177,176</span></b><span> </span></span><span>since August 2020</span></i><span>)</span></span><br /><span style="font-family: "verdana";"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><div style="text-align: center;"><span style="background-color: white;"><span style="font-family: "verdana";"><u><span>Although we do not count it as part of our Net Worth,</span></u></span><br /><span style="font-family: "verdana";"><u><span>it is still nice to know that our Home Equity is:</span></u></span></span></div><div style="text-align: center;"><span style="background-color: white; font-family: "verdana"; font-size: large;"><strong>$879,849</strong><strong>*</strong></span></div><div style="text-align: center;"><span style="font-family: "verdana";"><span style="font-size: large;"><span face=""verdana" , sans-serif" style="background-color: white; font-size: small;"><span>(</span><i><span>Increase of </span><b><span style="color: #38761d;">$214,003</span></b><span> since August 2020</span></i><span>)</span></span></span></span></div><span style="background-color: white;"><br /><span style="font-family: "verdana";">Although we don't consider our home equity as part of our Net Worth, we understand that some people do. </span><span style="font-family: "verdana";">So for those who include home equity in their Net Worth, o</span><span><span style="font-family: "verdana";">ur family's net worth would be considered: </span><strong style="font-family: verdana;"><span>$</span><span>1,987,455</span><span> </span></strong><span style="font-family: "verdana";">(<i>An increase of </i></span></span></span><span style="font-family: "verdana";"><i><span style="background-color: white;"><b><span style="color: #274e13;">$391,179</span><span> </span></b>since August </span>2020</i>)</span><span style="background-color: white; font-family: "verdana";">. Even during Covid pandemic, our family saw some very impressive gains in the last 11 months. For one, we finally reached the $1 million mark without our home equity! Yay! I can now officially say that we are millionaires. To add to that, with our home equity, we are now inching towards the $2</span><span><span style="background-color: white; font-family: "verdana";"> million mark!</span></span></div><div style="text-align: justify;"><span style="font-family: "verdana";"></span><br /><span style="font-family: "verdana";"><em><strong>*</strong> Although others do consider home equity, and even cars, collections, etc. as part of their net worth, it is our opinion that since these items are not very liquid and the value of these items is highly dependent on what others are willing to pay for them (at the present time), we have decided not to consider these type of assets as part of our family's recognized net worth.</em></span><br /></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com3tag:blogger.com,1999:blog-1893129263573703047.post-47523984083660984612021-07-02T20:22:00.001-07:002021-07-02T20:22:38.394-07:00June 2021 (Recap) - DIVIDENDS RECEIVED<p> <span style="text-align: center;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-7cTQWNLufZs/YLuYqx7v4eI/AAAAAAAAMro/CzZ8ZbGQ8cg1HHPnBc7tYi9aa7uOuvYFwCLcBGAsYHQ/s400/UpwardTrendGraph6.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="324" data-original-width="400" src="https://1.bp.blogspot.com/-7cTQWNLufZs/YLuYqx7v4eI/AAAAAAAAMro/CzZ8ZbGQ8cg1HHPnBc7tYi9aa7uOuvYFwCLcBGAsYHQ/s320/UpwardTrendGraph6.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p><div style="text-align: justify;"><span><span style="background-color: white; font-family: verdana;">Our family had decided to stop adding to our stock portfolio while were trying to cash flow our home improvements this past year. I'm happy to say that Phase II is now complete and just a few loose ends remain. Although we no longer post our buys and sells, we are actively trading once again. This past month, we had 1 sell activity and 0 buy activities. </span></span></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><span face=""><u><br /></u></span></i></div><div style="text-align: justify;"><i style="font-family: verdana; text-align: center;"><b><span face=""><u>What is everyone else doing?</u> <u>Are you buying anything right now?</u> </span><span face=""> </span></b></i></div><div style="text-align: justify;"><span style="font-family: verdana;"><br /></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face="">Now for what you all came to see, below is a list of the dividends/partnership distributions that we received from our </span><span face="" style="color: #38761d;"><b><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html" target="_blank">family's dividend stocks portfolio</a>.</b></span><br /><span face="" style="background-color: white;"><br /></span><b><span face="" style="background-color: white;">DIVIDENDS</span> </b></span></div><div style="text-align: justify;"><span style="font-family: verdana;"><span face=""><span face=""><span style="background-color: white;">During </span><span><span style="background-color: white;">the past month</span><span style="background-color: white;"><span>, 15</span></span></span></span></span><span><span face=""><span style="background-color: white;"><span face=""><span> companies/ETFs/Partnerships. The total monies received from those <b>15</b></span></span><span face=""> co</span><span face="">mp</span></span><span face="" style="background-color: white;">an</span><span face="" style="background-color: white;">ie</span><span face="" style="background-color: white;">s/ETFs/</span></span><span face="" style="background-color: white;">Partnerships</span><span face="" style="background-color: white;"> was:</span><span face=""><span style="background-color: white;"> <b>$323.47.</b></span><span style="background-color: white;"> </span></span></span></span></div><div><span><span style="background-color: white; font-family: verdana;"><span face=""><u></u></span><span face=""><br /><span><span face=""><i><u>Below is a breakdown of the dividends/partnership distributions received this past month:</u></i></span></span></span></span><br /><span style="background-color: white; font-family: verdana;"><span face=""><span><strong><br /></strong></span></span><span face=""><span><strong>WELLS FARGO INVESTMENT ACCOUNT</strong>:</span></span></span><span style="font-family: verdana;"><br /><span style="background-color: white;"><span face="">06/01/21 -<b> WFC</b></span><span face=""><b> </b></span><span face="">(</span></span></span></span><span style="background-color: white; font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">WELLS FARGO & CO</span>): $3.00</span></div><div><span style="background-color: white; font-family: verdana;"><span><span><span><span face="">06/01/21 - <b>BMY </b>(</span></span></span></span><span><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">HELMERICH & PAYNE INC</span>)</span><span>:</span><span> $15.00</span></span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span><span><span><span><span face=""><span><span face=""><span>06/01/21 - <b>ENB</b></span></span></span></span><span face=""><b> </b></span><span face="">(</span></span></span></span></span></span></span></span><span style="font-family: verdana;"><span><span face=""><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ENBRIDGE INC</span>): $69.40</span></span><br /><span><span face=""><span face=""><span><span face=""><span><span>06/04/21 - <b>BKR </b></span></span></span></span></span><span><span face="">(</span></span></span></span></span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BAKER HUGHES A GE CO</span>): $16.20</span></div><div><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/09/21 - <b>ARMK </b></span></span></span><span style="font-family: verdana;">(</span><span style="font-family: verdana;"><span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ARAMARK</span>): $2.75</span></span></div><div><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/10/21 - <b>IBM </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">INTERNATIONAL BUSINESS MACHINE CORP</span>): $19.68</span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/10/21 - <b>XOM </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">EXXON MOBIL CORP</span>): $52.20</span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/10/21 - <b>AEP </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">AMERICAN ELECTRIC POWER INC</span>): 11.10</span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/11/21 - <b>LUMN </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">LUMEN TECHNOLOGIES</span>): $31.25</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/15/21 - <b>BRMK </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">BROADMARK REALTY CAPITAL INC</span>): $3.50</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/21/21 - <b>RDS.B </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">ROYAL DUTCH SHELL PLC ADR B</span>): $15.62</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/24/21 - <b>EDIV </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">SPDR S&P EMERGING ETF</span>): $37.48</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/25/21 - <b>LCEAX </b></span></span></span><span style="font-family: verdana;"><span><span>(<span face=""Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif" style="color: #3b3331; font-size: 14px;">INVESCO DIVERSIFIED DIVIDEND FUND CL A</span>): $15.74</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: verdana;"><span><span>06/28/21 - <b>SU </b></span></span></span><span style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><span>(</span></span><span style="font-family: verdana;"><span><span style="color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">SUNCOR ENERGY INC</span>): $12.80</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div><div><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span><span style="font-family: verdana;"><span><span style="background-color: white;"><span style="font-family: "Times New Roman";"><span><span style="font-family: verdana;"><span>06/29/21 - <b>GILD</b> (</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="background-color: white; color: #3b3331; font-family: "Wells Fargo Sans", Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px;">GILEAD SCIENCES INC</span><span style="background-color: white; font-family: verdana;">): $17.75</span></div><div> </div><div><span style="font-family: verdana;"><strong>EDWARD JONES INVESTMENT ACCOUNT</strong>:</span></div><div><span style="background-color: white; font-family: verdana;">N/A</span></div><div><span><span face=""><span style="font-family: arial;"><br /></span></span><span style="font-family: verdana;"><span><span face=""><strong style="background-color: white;"><u><i>OVERALL DIVIDENDS TOTAL THIS MONTH</i></u>:</strong><span style="background-color: white;"> </span><strong><i style="background-color: white;">$323.47</i></strong></span></span></span><br /><br /></span><div style="text-align: center;"><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">How did you all do? </span></strong></span></span></span><strong style="background-color: #d9ead3;"><span style="background-color: white; font-weight: 400; text-align: justify;">Hopefully, you all continue to see your dividends growth month after month, year after year! </span></strong></span></div><span style="font-family: verdana;"><span face=""><span><span face=""><strong style="background-color: #d9ead3;"><br /></strong></span></span></span><br /></span><div style="text-align: justify;"></div></div><div style="text-align: justify;"></div><div style="text-align: center;"><span style="font-family: verdana;"><span><span face=""><strong>In case you interested, our family's dividend stocks portfolio </strong></span></span><br /><span><span face=""><strong>may be found by clicking on the link below:</strong></span></span></span></div><span style="font-family: verdana;"><span></span><br /></span><div style="text-align: center;"><div style="margin: 0px;"><span><span face=""><strong><span style="background-color: #d9ead3; color: #38761d; font-family: verdana; font-size: large;"><a href="http://afrugalfamilysjourney.blogspot.com/p/dividend.html">Dividend Stocks Portfolio</a></span></strong></span></span></div><div><span><span face=""><strong><br /></strong></span></span></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com2tag:blogger.com,1999:blog-1893129263573703047.post-59768527907900817142021-06-27T13:28:00.002-07:002021-11-05T09:52:21.538-07:00Mortgage Balance (UPDATE) - June 2021<p> <a href="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/s1600/mortgage-balance-image.jpg" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="680" data-original-width="1024" height="212" src="https://1.bp.blogspot.com/-zML1Zbvtbkg/XpoiM-zDjHI/AAAAAAAAJKg/CxRsbym0UekgsWTb953WLYonl9sK9YfvACLcBGAsYHQ/w320-h212/mortgage-balance-image.jpg" width="320" /></a></p><div style="text-align: justify;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">If you have viewed our family's <span id="goog_1617423047"></span></span><a href="http://afrugalfamilysjourney.blogspot.com/p/net-worth_19.html" target="_blank"><strong>Net Worth Page</strong></a><span face="verdana, sans-serif">, you probably already know that it does not include 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.</span><br /><span face="verdana, sans-serif"><br /></span></span></div><div style="text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: arial;"><span face="verdana, sans-serif">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. </span><br /><span face="verdana, sans-serif"><br /></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s1600/SerranoHeightsAerial.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="745" data-original-width="1220" height="243" src="https://4.bp.blogspot.com/-GvewhrrX0Bs/W8IvY-DB7TI/AAAAAAAAEdI/oaqwI9td88AOIj_Vw5K1-lvHEF-39aABwCLcBGAs/s400/SerranoHeightsAerial.jpg" width="400" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><span style="font-family: arial;"><strong><u>HOME VALUE</u>:</strong><br /></span><div style="text-align: justify;"><div><div style="text-align: left;"><span style="font-family: arial;">It's official! According to Zillow, our home is currently worth <span style="background-color: white;"><span style="font-size: medium;"><b>$1,063,700</b></span><span style="font-size: large;"> </span>(<b><span><span style="color: #6aa84f;">$97,628</span></span></b></span><span style="color: red;"> </span>in the last 30-days). Wow!! Yes, that is not a typo, our home value went up almost $100K this past month. Not sure if everyone else is seeing the same but the housing market is out of control here in southern California. As mentioned in our post last month, we had heard from a neighbor that a nearby home in our community sold for an unexpected $1.4 million dollars! We can't believe the home sold for as much as it did! More importantly, we can't believe that we now "almost" own a home that is worth over $1 million! </span></div></div><div style="text-align: left;"><span style="font-family: arial;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s1600/ZillowLogo.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" height="73" src="https://3.bp.blogspot.com/-Il84XEXXqIA/VHll6QlPTOI/AAAAAAAAAlY/5CgzUKX_rxM/s200/ZillowLogo.jpg" width="200" /></span></a></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both;"><br /></div></div><div style="text-align: center;"><div class="separator" style="clear: both;"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-SpMb0EyNnxE/YNjXioXH-3I/AAAAAAAAMs8/3IRZeOJd_ZUKGv5R7rokSWuuetk9nJ02ACLcBGAsYHQ/s592/Zillow_Jun2021.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="337" data-original-width="592" height="205" src="https://1.bp.blogspot.com/-SpMb0EyNnxE/YNjXioXH-3I/AAAAAAAAMs8/3IRZeOJd_ZUKGv5R7rokSWuuetk9nJ02ACLcBGAsYHQ/w360-h205/Zillow_Jun2021.JPG" width="360" /></a></div><div class="separator" style="clear: both;"><br /></div></div></div></div><span style="font-family: arial;"><span face="verdana, sans-serif"><strong><u>Mortgage Balance (As of June 1st)</u>:</strong></span><br /><span style="background-color: white;"><span face="verdana, sans-serif"><span style="font-size: large;">$183,851 </span></span><span face="verdana, sans-serif"><span>(<span style="color: black;">down</span> <span style="color: #38761d;">$2,279</span> from our May post)</span></span></span><span face="verdana, sans-serif"><br /></span><span style="background-color: white;"><strong><u><br /></u></strong></span></span><div><span style="font-family: arial;"><span style="background-color: white;"><strong><u>Percentage Owed</u>:</strong><br /><span face="verdana, sans-serif"><span style="font-size: large;">17.3% </span>(down 2.2<span style="color: #38761d;">%</span> since our May post)</span><br /><span face="verdana, sans-serif"><strong><u><br /></u></strong></span><span face="verdana, sans-serif"><strong><u>H<span>ome Equity</span></u><span>: </span></strong><span style="font-size: large;"><strong></strong></span></span><br /><span face="verdana, sans-serif"><span style="font-size: large;">$879,849 </span>(up <span style="color: #6aa84f;">$113,855</span><span style="color: #274e13;"> </span>from our May post)</span></span><br /><span face="verdana, sans-serif" style="background-color: white; text-align: justify;"> </span><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s1600/SerranoHeightsSign.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: arial;"><img border="0" data-original-height="343" data-original-width="687" height="159" src="https://1.bp.blogspot.com/-f2wpYZF95sw/Xpok4-cNAVI/AAAAAAAAJK0/gClMllEttQ4eln5lvCMupt1rJxLpVBR5wCLcBGAsYHQ/s320/SerranoHeightsSign.jpg" width="320" /></span></a></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: arial;"><br /></span></div><div style="text-align: justify;"><span style="font-family: arial;"><span><strong><u>Mortgage Background:</u></strong></span><br /><span face="verdana, sans-serif"><span face="verdana, sans-serif">For those that have not read the </span><a href="http://afrugalfamilysjourney.blogspot.com/2014/03/preface-part-1-home-equity.html" target="_blank"><strong><span face="verdana, sans-serif">Preface on our home equity</span></strong></a><span face="verdana, sans-serif">, we currently hold a 15-year fixed-rate mortgage at an awesome rate of 2.875%. My goal is to retire within<strong> 6 years and 0 months</strong></span></span><strong> (72 months) </strong><span face="verdana, sans-serif">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 <b>6</b></span><strong> years and 8 months (80 months)</strong><span face="verdana, sans-serif"> left on our mortgage. Nevertheless, I would like to have it paid off in roughly 5 years. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. </span></span></div><span style="font-family: arial;"><br /></span><div style="text-align: justify;"><div style="margin: 0px;"><span style="font-family: arial;">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, we may consider using some of the 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.</span></div></div></div>A Frugal Family's Journeyhttp://www.blogger.com/profile/05093532273552790517noreply@blogger.com1