Money and Finance
Time moves so fast doesn't it?
- Recent Sell: Cvx And Cop
One of my goal for this year was to stop selling and start accumulating...well that failed. On Monday January 11, 2015, I sold 19 shares of CVX at $82.15 and 7 shares of COP at 42.52. Total combine with my existing cash equals $1845.24. Rationale:...
- 1st Buy Of 2016: Pg
On January 6, 2016, I bought 13 shares of the Proctor and Gamble Company (PG) at $77.85 per share for a total of $1,019.05. PG is not cheap but it is at fair value based on forward FCF. I want 3 more shares to make it an even 50. China, North...
- December Review
ESV$1.35CVX$20.33ADM$26.04COP$5.18TROW$6.76JNJ$48.75MSEX$0.80SO$11.94KO$34.20AFL$6.97UL$16.04ORI$6.48GILD$4.73LTC$3.57K$3.41NSC$6.49HSY$1.60VTR$18.98CCP$3.42CMI$9.75O$4.38VFC$1.79FCISX$29.79Total$272.75 Cash flow Salary$5,968.96Dividend$272.75Interest...
- August Review
Market went crazy again. Time to recession proof my portfolio but first let’s review August. August’s Dividend CORR$40.37OHI$45.10TIS$6.30KMI$10.78T$27.73FCISX24.68SBUX$3.27LTC$3.57AAPL$1.56DE$10.20 Total: $173.56 Cash flow Salary*$4,644.93Dividend$173.56Interest...
- Recent Buys - Ua, Unp & Aapl
Hi Everyone, The month of January got away from me a little bit so this post is well overdue. I did not expect to invest nearly this much money the past month but my wife and I did well on expenses in December and used significant credit...
Money and Finance
January Review
Time moves so fast doesn't it?
| DIS | $3.52 |
| FCISX | $30.69 |
| GE | $11.73 |
| HASI | $25.50 |
| KHC | $7.79 |
| LTC | $3.78 |
| MDLZ | $0.38 |
| NRZ | $1.38 |
| O | $4.39 |
| PEP | $4.86 |
| WMT | $19.58 |
| Total | $113.60 |
Earnings and Loss
| Bank | $3,902.17 |
| Capital One 360 Bank | $1,578.89 |
| Scottrade Tax | $41,904.07 |
| Scottrade ROTH | $1,815.64 |
| Loyal3 | $12,916.23 |
| 401k | $23,367.89 |
| Edward Jones Roth | $7,214.30 |
| Total | $92,699.19 |
| Salary | $3,854.77 |
| Dividend | $113.60 |
| Interest and Online | $7.74 |
| Total | $3,976.11 |
| Gas Bill | $100.20 |
| Electric bill | $171.66 |
| Water Bill | $0.00 |
| QT | $47.05 |
| Discretionary | $3.00 |
| Car payment | $435.45 |
| Total | $757.36 |
| Total Saved | $3,218.75 |
| % saved | 80.95% |
Summary
1) I swear there were some dividend increases. I think O and OHI increased their dividends? I don't know. Work is too hectic.
2) I started my first position in an ETF, SCHD (1 share). I am flipping my scottrade into SCHD and adding to this over time. I think I can add a good 30-40 shares at the end of the year if it continues to remain low.
3) I'm feeling a bit gun shy and angry. My three biggest investments from December to January were PG, WMT, and SO. All three have risen to the point where I cannot add a large portion at these prices. What is with this market. First you beat these three down and then it only started increasing after I bought it. I swear the market is rigged.
4) Even thought the market is down 6% there really isn't anything I want at the moment. Manufacturing is having a contraction year, railroads are getting crushed, agriculture said good night and good bye, and materials/oil are zombies. What I want is to build up more of my core holdings which won't go down!
5) Game plan for this month
- Save my money until opportunities in the defensive sector comes around. I've learned my lesson the hard way. Focus on building your home before exploring new properties. I would like to get 100 shares of SO, JNJ, PG, and WMT.
- If by the end of the month there is no opportunity I'm buying $1000 worth of XLU or SCHD.
- Theory:
- XLU rises when the market is bad. Goes down when the market is good. Utilities are discarded for growth in good times and hoarded in bad times. It has a low 0.14% expense ratio with a 3.5% dividend yield.
- SCHD rises when the market is good. Goes down when the market is bad. SCHD holds all the major dividend aristocrats that people tend to cling onto when the market is bad. It pays a nice 3% yield with a 0.07% expense ratio.
- As an aside. If you want to know how good dividend aristocrats were in January. The Market fell 6% but my Loyal3 full of dividend aristocrat went up 7%. It was only held down because of Apple and VFC. My top pick of 2016, WMT, is destroying the market. I hate being right...I really wanted more shares of WMT.
- If the market stays flat I will buy XLU for its defensive nature.
I'm almost near 100K. This is my biggest goal for this year! See you next month. Have a happy Valentine's Day.
As promised. This year I will try to become a more interesting person. I spent January listening to music I would never normally listen to...and I got addicted to country music. I present you my favorite song
- Recent Sell: Cvx And Cop
One of my goal for this year was to stop selling and start accumulating...well that failed. On Monday January 11, 2015, I sold 19 shares of CVX at $82.15 and 7 shares of COP at 42.52. Total combine with my existing cash equals $1845.24. Rationale:...
- 1st Buy Of 2016: Pg
On January 6, 2016, I bought 13 shares of the Proctor and Gamble Company (PG) at $77.85 per share for a total of $1,019.05. PG is not cheap but it is at fair value based on forward FCF. I want 3 more shares to make it an even 50. China, North...
- December Review
ESV$1.35CVX$20.33ADM$26.04COP$5.18TROW$6.76JNJ$48.75MSEX$0.80SO$11.94KO$34.20AFL$6.97UL$16.04ORI$6.48GILD$4.73LTC$3.57K$3.41NSC$6.49HSY$1.60VTR$18.98CCP$3.42CMI$9.75O$4.38VFC$1.79FCISX$29.79Total$272.75 Cash flow Salary$5,968.96Dividend$272.75Interest...
- August Review
Market went crazy again. Time to recession proof my portfolio but first let’s review August. August’s Dividend CORR$40.37OHI$45.10TIS$6.30KMI$10.78T$27.73FCISX24.68SBUX$3.27LTC$3.57AAPL$1.56DE$10.20 Total: $173.56 Cash flow Salary*$4,644.93Dividend$173.56Interest...
- Recent Buys - Ua, Unp & Aapl
Hi Everyone, The month of January got away from me a little bit so this post is well overdue. I did not expect to invest nearly this much money the past month but my wife and I did well on expenses in December and used significant credit...