April 2015 Dividends and Band-Aids

April is behind us and we’re already 9 days into May which means I’m a little late with my April update.  April was a quiet dividend month but it looks like I crossed a mini-milestone.   My April dividends were just above $20 and if my projections are correct I’ll never see a month of dividends fall below $20 going forward.  Another milestone is that I’ve earned more dividends in the first 4 months of 2015 than I did in the entire year of 2015.  These small steps of progress are encouraging.  Also, in April I finished contributing to my Roth IRA for this year by adding some JNJ stock.

First, I’ll jump into my last major stock purchase which was Johnson & Johnson (JNJ).  JNJ is one of those companies that I’ve wanted in my portfolio since my dividend investing interest was first sparked.  I’ve kept my eye on JNJ hoping for a dip in price but it just didn’t seem to drop in price much recently.  Despite my attempt to remain patient, I finally pulled the trigger on a JNJ purchase in early April.  Although it may or may not be a great value right now (who really knows?) I finally added this dividend aristocrat to my portfolio.  JNJ touts 52 years of consecutive dividend growth which is downright astonishing.  In addition to its dividend resume, JNJ offers many familiar consumer products such as J&J baby products, Neutrogena, Tylonel, and Splenda. JNJ also has medical device and pharmaceutical offerings.  JNJ would fall in the category of household names in my opinion and I feel very, very comfortable owning stock in JNJ.

In addition to my stock purchase, I had some dividends roll in last month.  Here is the breakdown of my April dividends:

Loyal3 Account

Symbol Dividend
PEP $0.21
KO $0.88
WMT $0.32
NKE $0.04
KRFT $1.26

Roth IRA

Symbol Dividend
PM $5.12
MORL $6.26
KRFT $6.21

April Dividend Total = $20.30

One year ago I had $0.03 in dividends so I’ll take the $20.30 in April with a smile.

March 2015 – Chocolate, Oil, and Cheese

march

One of my favorite parts about passing another month is updating my dividend progress.  March proved to be an exciting month for my portfolio for several reasons.  I added a new stock to my portfolio, one company announced a huge merger, and I hit a new personal best.

The new addition to my Roth in March was Nestle (NSRGY).  Per Wikipedia and other online sources, Nestle is the WORLD’s largest food and beverage company.  I repeat, the WORLD’s largest food and beverage company.  According to a USAToday article from 2014, Nestle’s 2013 revenue was $103.5 billion (USD) and profits were $11.2 billion.  The next closest companies were Unilever Group with $68.5 billion in revenue and Coca-Cola with $8.6 billion in profits.  That is a nice feather in the cap for Nestle and if you’re into Buffett’s moats philosophy, then Nestle fits the bill.  Nestle has a large line of products that are well-known such as Gerber baby food, Purina pet food, and of course their chocolates lineup.  Finding out the story on Nestle’s dividend wasn’t as easy for me as most companies.  Depending on where you look, the current yield is ranging around 2.5% to 3%.  Also, Nestle appears to pay an annual dividend around May for their U.S. ADR shareholders.  Paying only once a year is a slight drawback but not a deal breaker for me when it comes to good companies.

Another purchase I made in March was the addition of more XOM to my portfolio.  I know there is a lot of uncertainty with oil right now but XOM was hitting 52-week lows so I decided to grab some more.  Exxon Mobil is the world’s 5th largest company by revenue so I like their chances of survival through rocky times in the energy sector.  I’m in it for the long haul so if prices drop over the next year or so I’m not going to lose any sleep.  XOM has been increasing dividends for 32 years and the current yield is above 3%.  I read recently that dividends are a priority for Exxon Mobil’s CEO so it will be interesting to see if they keep raising their dividends while oil prices are down.

Probably the most exciting part of March was the announcement that Kraft and Heinz will merge.  KRFT prices shot up and they will issue a special dividend to shareholders when the companies complete the merger.  I’m interested to see how this plays out and look forward to owning stock in the new company.

Finally, the other news I’m excited to report is that I hit another personal best with $44.06 in dividends for March.  Last year in March I had $0.15 in dividends so it was a nice leap.  Here is the breakdown of my March 2015 dividends:

Loyal3

Symbol Dividend
INTC $0.09
UL $0.45
MSFT $0.32
MCD $3.30
K $0.88

Roth IRA

COP $7.30
CVX $10.75
XOM $4.87
K $3.98
MCD $6.06
MORL $0.42
RDS.B $5.64

Total: $44.06

If I want to look at what personal expenses I could potentially cover, $44.06 could take care of my Netflix & Hulu bills and a probably a full tank of gas for my car.  Not much but it is something.

 

Thanks for stopping by!

Dear Dividend

 

February 2015 Dividend Update

moneyheart

The shortest month of the year is coming to a close which means it is time for another monthly update.  Before I jump into my summary of returns, I’d like to mention a few items.  First, Loyal3 has shortened the time it takes to execute purchases from your bank account.  Purchases now go through in ~2 business days.  Second, I’d like to say “Bienvenido!” to the latest blogger added to my blog list, “Dividendos y Trading”.  And finally, I’d like to thank all of you that visit the blog and post comments.  It is encouraging to hear from others and it truly helps me keep on track.

Now, let’s take a look at February’s dividends:

 

Loyal3

Symbol Dividend
HAS $0.45
SBUX $0.08

Roth IRA

Symbol Dividend
AAPL $3.32
PG $0.66
MORL $0.52
CLX $5.22
HCP $5.21

TOTAL:  $15.46
While this isn’t a monthly personal best, it is $15.35 more than I earned in February 2014.  Although I report on monthly returns, my focus at this point isn’t to have dividends equally distributed across each month.  Some months will be better than others based on when companies issue their dividends.  A better comparison is probably looking at annual totals as well as comparing each month to the same month a year prior.  However, it is always nice to see a monthly high when it arrives.  Luckily, I should see a new personal best in March.

 

I hope you all have another successful month and thank you for visiting.

 

Regards,

DD

 

January 2015 Dividends

It is hard to believe that the first month of 2015 is already in the rear view mirror.  Life has been moving so fast lately that I wish I could slow it down some times.  Between work and keeping up with my kids’ activities, my weeks go by in a flash.  So now I’m awake on an early Saturday morning while the rest of my family continues to sleep in.  About the only time I can find to update the blog is early morning on a weekend while everyone in my house is sleeping.  It is peaceful and quiet right now so let me get my January update to you.

I started the year by adding some stocks to my Roth IRA.  With some dips in oil stock prices, I grabbed some RDS.B, COP, and more CVX.  I was originally leaning to just adding more to my existing CVX and XOM holdings but decided to spread out my purchases among multiple energy companies.  I guess it is a little bit like diversification within one sector.  All are decent dividend payers currently and hopefully will be for years to come.

My January 2015 dividend returns are in and while it wasn’t a personal best, it is my second highest month of returns since I jumped into dividend investing last year.  My returns for January add up to $19.43.

Here is the breakdown:

ROTH IRA

PM – $5.06

KRFT – $6.16

MORL – $6.36

LOYAL3

DIS – $0.16

PEP – $0.15

NKE – $0.04

WMT – $0.25

KRFT – $1.25

I’m expecting February to be lower than January but in March I should see a new personal best.

I’d also like to add that OptionsHouse has joined forces with TradeMonster.  Their ordering platform now looks different at their website and through their mobile app.  I honestly think I like the previous look and feel better which wasn’t the greatest to begin with.  Hopefully their trading platform will improve but with $4.95 trades I’ll continue to use OptionsHouse for my Roth.

Thanks for stopping by.

-DD

2014 Review with November and December Dividends

2014

2014 is over so it is time to take a look at my first (partial) year of dividend investing.  Before I jump into my 2014 totals, I’d like to point out my November and December returns.  In November, I received $15.74 in dividends.  November didn’t set any personal bests but December did.  In December, I received $26.00 in dividends which surpassed my previous best month of $17.85 in October.

Here is a table of my December dividends:

DECEMBER 2014 DIVIDENDS

LOYAL3 ROTH IRA
Date Symbol Dividend Date Symbol Dividend
12/2/2014 SBUX $0.04 12/15/2014 K $3.95
12/3/2014 INTC $0.09 12/22/2014 MORL $0.88
12/17/2014 MCD $2.94 12/10/2014 CVX $5.35
12/17/2014 K $0.80 12/10/2014 XOM $4.83
12/15/2014 MSFT $0.32 12/15/2014 MCD $6.00
12/12/2014 UL $0.50
12/17/2014 KO $0.30
SUB $4.99 SUB $21.01
TOTAL $26.00

 

Next up, let’s take a look at my overall 2014 dividends by month.

2014 MONTHLY DIVIDENDS

Month 2014 Dividends
Jan $0.12
Feb $0.11
Mar $0.15
Apr $0.03
May $1.01
Jun $0.76
Jul $11.91
Aug $9.45
Sep $13.96
Oct $17.85
Nov $15.74
Dec $26.00
TOTAL $97.09

In 2014 I came close to reaching $100 for the year.  I really didn’t start dividend investing until around May in 2014 so it took a while for the dividends to start coming in.  I plan on seeing an increase this year and look forward to 2015.  If my projections are right, I should pass $200 in annual dividends in 2015 even if I don’t invest another penny.  However, I do plan on investing more so $200 should be easy to beat.  Once I make some more purchases, I hope to see a few months of over $30 in dividends.

For 2015, I’m already gearing up to purchase more stock for my Roth IRA using OptionsHouse.  I’m currently leaning towards picking up RDS.B, more CVX, and possibly GIS this month.  I have more research to do however but should hopefully be making some buys in a week or so.

I hope you all have a successful 2015 and thanks for stopping by.

October 2014 Dividends – New Record

I’m happy to write that I surpassed last month’s personal dividend record with my October returns.  In October I received $17.85 in dividends.  I hope to see dividends in the $20’s soon but that might not happen until 2015 at my current rate.  That said, here is October’s breakdown:

ROTH IRA

– PM = $5.00

– MORL = $6.27

– KRFT = $6.10

Loyal3

– PEP = $0.15

– KO = $0.30

– NKE = $0.03

On a side note, it appears that KRFT automatically reinvests dividends at Loyal3.  Since Loyal3 is delayed with its dividends, my Loyal3 KRFT dividends showed up in November.  Most dividends at Loyal3 aren’t automatically reinvested so I was surprised to see it happen with KRFT.

Good luck to you all with your investing and thanks for stopping by!

September Dividends – Another Record

 I know I’m behind on my blog but I’m determined to keep recording my progress. My funds available for investing are limited with the cut in pay I took with the new job but I’m still chipping away at dividend investing. In September, I reached a new record of $13.96 and October is shaping up to be another personal record as well…more to follow. Here is the breakdown of my September dividends:

 

LOYAL3

INTC      $0.09

WMT     $0.19

UL          $0.34

MSFT     $0.29

K             $0.80

MCD      $2.19

 

ROTH

K             $3.92

MORL    $0.47

MCD      $5.67