Kraft (KRFT) at Loyal3 and August Dividends

For those of you using Loyal3, you may be happy to hear that they’ve added Kraft Foods (KRFT) as an available stock.  I like KRFT so it is nice to see Loyal3 is making an effort to add some additional appealing companies.


My August dividends are in and they came in at $9.45.  This is down from July but I’m expecting a decent September which I’ll gladly post about.  Also, I’m about ready to complete my Roth IRA purchases for 2014.  This will meet one of my goals so I’m excited to achieve it soon.  I’m thinking of adding XOM and CVX to my portfolio to complete my 2014 Roth contributions.


I hope you are all doing well with your investing and life in general.  Thanks for stopping by!




Made it Home!


I returned home from my former overseas job two weeks ago and I have to say I’ve found a renewed appreciation for life in the U.S. and with my family.  I’m now working a standard 40-hour week with weekends off.  While overseas, I’d typically work 6 days a week ranging from 60-80 hours.  Although 40 hours is a far cry from the retirement schedule, it is an improvement from my last work schedule.

Since I’ve returned I’ve been busy with family, my new job, and catching up with work on our house.  Once life settles down a bit and I have a routine established I should be able to focus more time on my blog again.  For now, I just wanted to pop in with an update.

On the investing side I added PM and CLX to my Roth IRA.  I’m getting closer to maxing out my Roth which is one of my goals.  Also, I’ve had an opportunity to play with the OptionsHouse app for Android-based smartphones and so far it is fairly decent.  I even used their app for my CLX purchase.  I promise, I’ll provide an OH review in the future once I feel like I’ve had enough experience with their services to provide an objective review.  So far, I’m pleased with what I’m getting from OH for $4.75/trade.  I’m also occasionally making smaller buys using my LOYAL3 account.

Until next time…

DD’s July 2014 Dividends – Personal Record!


For those of you keeping score, you might have noticed that I haven’t posted my monthly dividend returns since May. The reason for this is because June’s returns were lower than May’s and didn’t deserve a post in my opinion. But now I have some good news to share once again with July’s dividends. I hit a personal record for monthly dividends with ($11.91). This is more than all of my dividends combined from January through June. Most of the heavy lifting was done by a boost to MORL’s dividend this month and the decent, steady yield of KRFT.  While I’m nowhere near retiring on $11 a month, it feels good to see a new personal best.

Here’s a breakdown of my July dividends:


- PEP = $0.07

- KO = $0.23

- NKE = $0.03



- MORL = $5.80

- KRFT = $5.78


Grand total for July = $11.91


Although I’m pleased to see my dividend income growing, I’m far from satisfied. I’m looking forward to reporting my next dividend record. Thanks for stopping by.


I’m on My Way…Home Sweet Home!


As I talked about in my last post, I’m starting a new job soon. But first I have to travel halfway around the globe to reach home. I’ve spent more than a year working overseas while only seeing my family about 45 days during the last 17 months. Needless to say, I’m excited to reunite with my family and be able to return to an active role as a father and husband. While my time overseas allowed me to handle some financial responsibilities and experience a different part of the world, it is time to return home. I’m going to try to keep the blog going during my transition but no promises. Between traveling, catching up with my family, and preparing for my new job I have a feeling that the next few weeks will be busy. I’ll try to check in along the way though. To celebrate, grab your hairspray, blow dryer, eyeliner, tight pants and chaps and jam to some Motley Crue. I’m on my way home, sweet home.

Liebster Award


Thanks to Frankly Frugal Finance I’ve been nominated for the Liebster Award.  I appreciate the recognition and look forward to passing it along.  I tried finding the rules on this and there seems be several rule variations so I’ll be following in the footsteps of FFF.

The rules (that I’m using):

1. Spread the prestige and nominate five other newer/smaller blogs. The exact definition of newer and smaller seems to vary, so go with what feels right.

2. Answer a few questions that your nominee asks during his or her nomination ceremony.

My NOMINATIONS (no particular order):

1. Dividend Mongrel

2. Starting From Zero

3. Rising Net Worth

4. Dividend Gravy

5. Passive Income Mavericks


5 Questions from Frankly Frugal Finance

1.) What is your favorite color?

- Blue

2.) What is your quest?

- Lead a happy life; raise good kids

3.) Do you know what the first two questions are in reference to?

- No idea but I’m guessing a video game

4.) What is your favorite blog post to date?

- The last post I wrote about finding a new job

5.) Do you have any big travel plans once reaching financial independence?

- Perhaps Norway, New Zealand, and all 50 U.S. states


5 Questions for my nominees

1.) Why did you start a blog?

2.) What is your favorite quote?

3.) What is your favorite book?

4.) What is your favorite food?

5.) What is your favorite hobby?


Thanks again to FFF and I’m honored to pass this on.


Pop the champagne! I was able to “Get a Job”!


History is chock full of barbarous forms of torture such as the “Brazen Bull” of Ancient Greece, the “Iron Maiden” of the Ming Dynasty, and playing Christina Aguilera’s “Dirrty” during terrorist interrogations. Somewhere on this list, history should hold a place for the torture technique known as “The Job Hunt”. However, today is not the day where I’ll relive the horrors of tediously filling out online job applications and coming up with my three greatest weaknesses for job interviews. I will save that for another day.

For now, let’s celebrate. Dear Dividend has finally found a new J-O-B. Not only did I find a new job, I took a pay cut along with it. Why would I do such a thing you may ask. Because during an interview my future employer uttered verbal gold…”work-life balance”. Once I start my new job in a few weeks I’ll have more time with my family and actually be able to see them every day. Currently, I spend months away from my family but that is also a story for another day.

Taking a cut in pay will hinder my investing progress but some things in life don’t have a price. Spending time with those you love can never be replaced or bought. Listening to my kids tell me a joke that makes me bust out in laughter is worth more to me than any stock portfolio I could ever build. I also realize that someday my kids will be adults with their own lives and I’ll have a lesser role in their life than I do now. So I need to cherish every moment before it’s gone.

Without further ado, take a few minutes to step back in time and jam to an oldie but a goodie…”Get a Job” by the Silhouettes.

2 Ways I Get Free Stock Trades and Peace of Mind


I’ve found two ways to buy stocks commission free.  I’m always looking for ways to cut costs and maximize my investments.  Here is how I do it:


#1.  LOYAL3

If you’ve been following my blog, you should be familiar with LOYAL3. They provide commission free trades and allow you to purchase fractional shares starting as low as $10.  For example, McDonald’s (MCD) is currently $100 per share.  With LOYAL3, you can buy as little as $10 worth of MCD which would you give 0.1 shares of MCD.  Not a bad way to go if you can’t execute large trades or don’t want to see your money go to fees.


#2.  Dividend-Paying Trick

Technically, this isn’t a free stock trade unless you can handle delayed gratification.  What I do is purchase enough shares of a stock so that my first dividend payment will cover the commission fee.  I use OptionsHouse because they only charge $4.75/trade which helps me recoup my money quickly.

Here’s an example:

1 share of MCD is currently $100.  Its quarterly dividend is currently $0.81.  To earn enough money from its next dividend payment to cover the commission I need at least $4.75 in dividends from MCD.  Some simple division of $4.75 by $0.81 gives 5.86.  I need to round 5.86 up to 6 to determine how many shares of MCD I need to buy.  If I buy 6 shares of MCD, my first dividend payment will be 6 x $0.81 = $4.86 which covers the commission fee of $4.75.

Like I said, technically this isn’t free but I look at it as a rebate that I have to wait for in order to be repaid for my trade costs.


Using these two methods, I can trade with peace of mind and not have to worry about getting raked over the coals by fees.