Monday, September 5, 2016

Stock Dividend: Under Armour (UA, UA.C) - UPDATE #2

Update September 2016

I wanted to follow up on my post five months ago regarding Under Armour's Stock Dividend.  On April 8th UA reorganized its ownership structure offering one share of UA Class C share (Non voting) for each share of UA owned.  At the time of the dividend I was very curious as to what the cost basis would be for each share of the stock as Robinhood was showing a 50% loss on my UA shares and infinite gain on my UA.C shares.  Through further research, I found out what the cost basis of the UA shares should be.  IRS Form 8937 gives us the breakout of the basis as posted on the filing on the UA website.

I was paid a $10.83 cash payment from UA due to a Class C Settlement dividend.  UA had agreed to pay $59 million to shareholders due to litigation over the stock dividend.  The distribution was .007098 shares of Class C stock for each share of Class C held.  As mine would have been fractional shares, I received cash instead.

I hope this short post and links helps you understand what went on with the stock dividend this year. If you have any questions or have a correction feel free to ask/comment!

As always thanks for stopping by!

Full Disclosure: Long UA

What are some unexpected dividends that you have received?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Friday, September 2, 2016

Loyal3, Robinhood, and Vanguard Buys - Week 35: Recent Buys (AAPL, BRK.B, FLO, MCD, MSFT, VYM)

August 29 - September 4

My investments for week 35 included VYM, AAPL, FLO, MCD, MSFT, BRK.B.  The yield this week was 2.58% compared to 2.74% the week prior.  The yield is lower this week as I made an investment into BRK.B which does not pay a dividend.  The amount of yearly dividends added ($8.55) was higher than last week ($4.12) as the yield was similar but I invested double the money.  All of these purchases were part of my automatic buys except for FLO, which I bought to round my position to 50 shares.  This marks 35 consecutive weeks without paying commissions! Have a wonderful labor day weekend!



Total Invested - $331.85
Commissions Paid - $0.00
Current Streak - 35 weeks
Yearly Dividends Added - $8.55
Yield- 2.58%

Full Disclosure: Long VYM, AAPL, FLO, MCD, MSFT, BRK.B, ALL HOLDINGS IN MY PORTFOLIO

Do you own dividend ETFs?  Why or why not?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Sunday, August 28, 2016

Fidelity & Vanguard - Week 34: Recent Buys (FUSEX, VYM)

August 22 - August 28

My investments for week 34 included just VYM and FUSEX.  The yield this week was 2.74% compared to 4.18% the week prior.  The yield is lower this week as I made large investments in TGT, SDIV, and FLO last week each of which pay a decent dividend.  The amount of yearly dividends added ($4.12) was lower than last week ($103.93) as the yield was almost 2% lower and my investment this week was only $150 or about $2,300 less than last week.  This marks 34 consecutive weeks without paying commissions! A week of just a mutual fund and a dividend ETF. HOW BORING! Slow and Steady.




Total Invested - $150.17
Commissions Paid - $0.00
Current Streak - 34 weeks
Yearly Dividends Added - $4.12
Yield- 2.74%


Full Disclosure: Long VYM, FUSEX, ALL HOLDINGS IN MY PORTFOLIO

Do you own dividend ETFs?  Why or why not?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Saturday, August 27, 2016

June Buys

YES I AM MONTHS BEHIND.  Honestly lost track that I had not posted my monthly summary in June as it was so busy traveling around.  Better late then never?  Can I use that excuse again?  I will be posting from prior months to catch up before I continue posting about August.

Using Vanguard, Fidelity, Loyal 3, and Robinhood, I invested $1,512.83 in June compared to $1,817.02 in May.  Since I invested about $300 less this month my one year forward looking dividends were lower by about $23.  This is also partially due to the fact that my yield for the month is 2.82% compared to 3.61% the month prior!  These purchases have added $42.71 to my yearly dividend income! It has also been 6 months without paying a commission fee!  #SlowandSteady





What do you think of my June?  

Thanks for stopping by!  

Full Disclosure: Long VYM, AMGN, AAPL, FUSEX, MSFT, NKE, PEP, SBUX, SDIV, UL, DIS, WMT, AMZN, ALL HOLDINGS IN MY PORTFOLIO

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Thursday, August 25, 2016

Archived Post - Credit Card Signup Bonus $200- Worth opening?

I wanted to repost this post as I now have many more followers and wanted to get your thoughts on this as I have continued to use this strategy to earn some extra cash.

Credit cards can be dangerous!  However, they often seem to offer excellent rewards or cash back offers.  I recently received an offer to earn $200 cash back plus 2% on all dining purchases and 1% on all other eligible purchases.  In order to get the bonus all I would have to do is spend $500 within 90 days.

Obviously, I would not use this as a way to buy something like a new iPhone or Apple Watch. It can really be a dangerous road if you see this as a way to buy things you really want but do not NEED. Instead, I would use this card to pay for an expense related to education.  It is an expense I have every month no matter what and there is no credit card fee to pay this.  So wouldn't it be simple to open this card and essentially make $200 with no effort.  It seems like a simple decision for me.  I have excellent credit and I do not see this affecting my score much at all.  It is definitely something to keep in mind as repeating this too much could lead to a drop in your credit score especially if you end up closing credit cards. But in this case there is no annual fee so I would just leave it open and build the length of time cards have been open overall as well.  I use creditkarma.com to track my credit scores and any activity, which helps me understand factors going into the credit score.

Having said that, I went ahead and opened the credit card.  I will write an update post once I figure out more information about the card/earn my bonus.

Short and simple post, but can you give me your thoughts on this?  Have you opened credit cards for a cash back bonus?


I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Tuesday, August 23, 2016

Loyal3 & Robinhood - Week 33: Recent Buys

August 15 - August 21

My investments for week 33 included FLO, SDIV, PEP, SBUX, TGT, UL, WMT, and AMZN.  The yield this week was 4.18% compared to 2.82% the week prior.  The yield is much higher this week as I made large investments in TGT, SDIV, and FLO, which all pay dividends.  The amount of yearly dividends added ($103.93) was higher than last week ($15.70) as all but one of my investments this week went into dividend paying stocks except for Amazon.  Also, I deployed over $2,000 this week pushing up the yearly dividends. Amazon was the only non dividend stock I invested in and it was a very small portion of this weeks investments.  I finally put to work some of the extra money I had as FLO and TGT were being dragged down for reasons I do not think will hamper them in the future.  This marks 33 consecutive weeks without paying commissions! 




Total Invested - $2,483.68
Commissions Paid - $0.00
Current Streak - 33 weeks
Yearly Dividends Added - $103.93
Yield- 4.18%

Full Disclosure: Long FLO, SDIV, PEP, SBUX, TGT, UL, WMT, AMZN, ALL HOLDINGS IN MY PORTFOLIO

Have you also invested in FLO and TGT recently?  Why or why not?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Sunday, August 21, 2016

Recent Buy : SDIV, FLO, TGT

This week I had a few purchases over $500 so I wanted to designate its own post.  I had extra cash in my account because of some sales over the past month.  These purchases were into dividend paying companies FLO and TGT as well as the High Yield ETF SDIV.  I invested into Target following the big drop in the stock price.  I had been following the company for a while before this, but this seemed like a great opportunity (even though in the long run with my small purchase it probably would not make that big of a difference.  A similar opportunity has occurred with Flower Foods regarding some has arrived with Flower Foods due to some ongoing litigation.  For that reason, I have decided it is now also a good time to invest in FLO.  Like the direction my portfolio is going now, but I doubt it will be where I want it at this point.  Keeping it going slow and steady!




Purchase Summary
  • 30 shares of (SDIV) on 8/17/2016 @ 22.63/share totaling $648.90
  • 46 shares of (FLO) on 8/17/2016 @ 15.34/share totaling $700.58
  • 10 shares of (TGT) on 8/17/2016 @ 70.92/share totaling $709.20
Dividend Increases
  • Target - 48 Years
  • Flower Foods - 10 Years

This will add $96.64 of yearly dividend income to my portfolio.

Thanks for stopping by!

Full Disclosure: Long SDIV, FLO, TFT, ALL HOLDINGS IN MY PORTFOLIO

Are you invested in any of these?  Do you see the earnings miss and litigation issue as an opportunity at these stock prices?

Photo Credit: FreeDigitalPhotos.net by suphakit73

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Tuesday, August 16, 2016

July Dividend Income

I have collected $312.20 in dividend income so far this year!  This month I received income from EIGHT different sources. Much fewer than June, but a special dividend was paid by UA which increased my expected dividends by $10.83. Compared to 2015 my dividends in June went up by 0.64%.  Although a very small increase, I am happy it is an increase as there have been large swings in my portfolio.  I am slowly getting towards getting my portfolio to where I want it.  There are some growth stock I plan to sell given an opportunity so that it can be reinvested in a dividend stock. 

** As always see more charts below thanks to my friend at Two Investing.  If you have not visited his site yet, I strongly recommend you do so. I found his Dividend Spreadsheet extremely useful.  The Screenshots below are from his workbook, which give a good overview of the direction I am headed in.

Month by month by goal of $750 seems impossible.  Maybe this is a good goal to have next year as I have been making many changes to my portfolio at this time. 

As always I appreciate everyone who has viewed and commented on my blog.  I strongly encourage you to comment even if you are just messaging that you have visited.  I'd like to hear your thoughts and views.





Full Disclosure: Long , ALL HOLDINGS IN MY PORTFOLIO


I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Fidelity, Loyal3, & Robinhood - Week 32: Recent Buys

August 8 - August 14

My investments for week 32 included FUSEX, SDIV, MCD, DIS, WMT, WFC.  The yield this week was 2.82% compared to 0.39% the week prior.  The yield is much higher this week since the HOME IPO pushed it down significantly last week.  The amount of yearly dividends added ($15.70) was higher than last week ($3.34) as all of my investments this week went into dividend paying stocks.  I invested a little extra into WMT and MCD this week to bring my cost basis up to $200.  I had a lot of extra cash in my account now due to the sale of YUM and Twitter (both of which I had small gains on).  This marks 32 consecutive weeks without paying commissions! 



Total Invested - $557.27
Commissions Paid - $0.00
Current Streak - 32 weeks
Yearly Dividends Added - $15.70
Yield- 2.82%

Full Disclosure: Long FUSEX, SDIV, MCD, DIS, WMT, WFC, HOME, ALL HOLDINGS IN MY PORTFOLIO

Have you invested in an IPO?  Which one and what was your experience like for the process?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Sunday, August 14, 2016

Loyal3 - Week 31: Recent Buys

August 1 - August 7

My investments for week 31 included AAPL, MSFT, NKE, DIS, and HOME.  The yield this week was 0.39% compared to 1.79% the week prior.  The yield is much lower this week because of my purchase of At Home stock.  I purchased this through Loyal3's IPO process and was about to get it at their IPO price of $15.  The amount of yearly dividends added ($3.34) was higher than last week ($1.97) despite a low yield because I invested $180 into dividend stocks this week compared to $110 the week before.  This also marks 31 consecutive weeks without paying commissions! 



Total Invested - $860.09
Commissions Paid - $0.00
Current Streak - 31 weeks
Yearly Dividends Added - $3.34
Yield- 0.39%

Full Disclosure: Long AAPL, MSFT, NKE, DIS, HOME, ALL HOLDINGS IN MY PORTFOLIO

Have you invested in an IPO?  Which one and what was your experience like for the process?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Friday, August 12, 2016

Fidelity & Loyal3 - Week 30: Recent Buys

July 25 - July 31

Just wanted to quickly post about some buys a few weeks ago.  Hope you are all doing well and enjoying the summer! 

My investments for week 30 included FUSEX and DIS.  The yield this week was 1.79% compared to .04% the week prior.  The yield was higher because of the large Paypal purchase the prior week.  The amount of yearly dividends added ($1.97) was higher than last week ($0.69) for that reason.  This also marks 30 consecutive weeks without paying commissions! At this rate it should be easy to make it to the end of the year!



Total Invested - $110
Commissions Paid - $0.00
Current Streak - 30 weeks
Yearly Dividends Added - $1.97
Yield- 1.79%

Full Disclosure: Long FUSEX, DIS, ALL HOLDINGS IN MY PORTFOLIO

Are you invested in any mutual funds?  Why or why not?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Saturday, July 30, 2016

June Dividend Income

I am about a month late again, but better late than never right? With SIX months down in 2015, I have collected $243.08  in dividend income!  This month I received income from FOURTEEN different sources. Five more than May. Compared to 2015 my dividends in June went up by 58.82% despite all of the changes I am making to my portfolio. Another big swing as I continue to make changes to my portfolio. It is a work in progress, but slowly getting there!

** As always see more charts below thanks to my friend at Two Investing.  If you have not visited his site yet, I strongly recommend you do so. I found his Dividend Spreadsheet extremely useful.  The Screenshots below are from his workbook, which give a good overview of the direction I am headed in.

As the months pass my goal of $750 in dividends this year seems unreasonable, but should not be surprising as I am making lots of changes to my portfolio. I appreciate everyone who has viewed and commented on my blog.  I strongly encourage you to comment even if you are just messaging that you have visited.  It's great to hear your thoughts and to hear that people are reading my posts =)









Full Disclosure: Long , ALL HOLDINGS IN MY PORTFOLIO


I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Loyal3 and Robinhood - Week 29: Recent Buys

July 18 - July 24

My investments for week 29 included SBUX and PYPL.  Paypal does not pay a dividend, but is a high growth company (which owns Venmo) that was bashed down from the earnings results.  Yet, I saw this as an opportunity as this is a company everyone (my age or younger) uses.  Whether you know it or not Paypal owns Venmo which has revolutionized the way we pay our friends by making it so simple!  The yield this week was only 0.04% compared to 2.58% the week prior.  The yield was much lower because of my large Paypal purchase.  The amount of yearly dividends added ($0.69) was much lower than last week ($14.39) for that reason.  This also marks 29 consecutive weeks without paying commissions! Cannot wait to make it 30!




Total Invested - $1,918.50
Commissions Paid - $0.00
Current Streak - 29 weeks
Yearly Dividends Added - $0.69
Yield- 0.04%


Full Disclosure: Long SBUX, PYPL, ALL HOLDINGS IN MY PORTFOLIO

Are you invested in any mutual funds?  Why or why not?

*Again sorry for the late post - hope to get back on track next month!

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Friday, July 29, 2016

New Articles to Read

Just came across a couple articles related to 401(k)'s and investing it either disproportionately into your company or into the same sector.  These articles specifically mention KMI as many of us may be invested in, but think about the employees that could have a significant amount of their investments in their own company!  It could be disastrous! Fun quick reads that help us remember why we should avoid putting too many eggs in one basket. Personally, I do not invest much into my company stock although it has a history of outperformance, and I prefer to be in low cost funds for my 401(k).

I know many of us do not have time to search through many websites to follow the news, so maybe I can continue to share some articles that I find interesting/fun!  Enjoy!


401(k):
Your 401(k) is not Safe at Home - WSJ
Piling up Losses in a 'self-directed' 401(k) Account - WSJ

Other:
Amazon, Facebook race past Buffett's Berkshire - CNN Money


What funds do you invest your 401(k) into?  What percentage is invested into your company stock?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Thursday, July 28, 2016

Loyal3 and Robinhood - Week 28: Recent Buys

July 11 - July 17

My investments for week 28 included PEP, SBUX, UL, WMT, WFC, and AMZN.  Each of these pay a dividend except for Amazon.  The yield this week was 2.58% compared to 1.86% the week prior.  The yield is higher this week as most of my investments went into dividend paying companies yielding more than the S&P.  The amount of yearly dividends added ($14.39) was higher than last week ($2.54) due to the yield and more money being invested this week.  This also marks 28 consecutive weeks without paying commissions! 




Total Invested - $557.28
Commissions Paid - $0.00
Current Streak - 28 weeks
Yearly Dividends Added - $14.39
Yield- 2.58%


Full Disclosure: Long PEP, SBUX, UL, WMT, WFC, AMZN, ALL HOLDINGS IN MY PORTFOLIO

Are you invested in any mutual funds?  Why or why not?

*Again sorry for the late post - hope to get back on track next month!

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Wednesday, July 27, 2016

Fidelity - Week 27: Recent Buys

July 4 - July 10

My investments for week 27 included only FUSEX, which is Fidelity's S&P 500 mutual fund.  The yield this week was 1.86% compared to 2.16% the week prior.  The yield is lower as I invested into the high yielding VYM in the previous week.  The amount of yearly dividends added ($2.54) was lower than last week ($6.10).  This also marks 27 consecutive weeks without paying commissions! 



Total Invested - $136.92
Commissions Paid - $0.00
Current Streak - 27 weeks
Yearly Dividends Added - $2.54
Yield- 1.86%

Full Disclosure: Long FUSEX, ALL HOLDINGS IN MY PORTFOLIO

Are you invested in any mutual funds?  Why or why not?

*Again sorry for the late post - hope to get back on track next month!

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.

Friday, July 8, 2016

Vanguard & Loyal 3 - Week 26: Recent Buys

June 27 - July 3

My investments for week 26 included VYM, AAPL, MSFT, NKE, and DIS.  All of them pay a dividend.  The yield this week was 2.16% compared to 3.19% the week prior.  The yield is lower as I invested into the high yielding SDIV the prior week.  The amount of yearly dividends added ($6.10) was lower than last week ($22.52) as I invested less this week and the SDIV investment was last week.  This also marks 26 consecutive weeks without paying commissions! 




Total Invested - $283.16
Commissions Paid - $0.00
Current Streak - 26 weeks
Yearly Dividends Added - $6.10
Yield- 2.16%


Full Disclosure: Long VYM, AAPL, MSFT, NKE, DIS, ALL HOLDINGS IN MY PORTFOLIO

How long have you been investing for?  What is your main objective?

I'm not an investment professional or a licensed financial advisor. This blog represents my personal views and decisions, which may not be appropriate for other investors. Please use common sense or consult with an investment professional before investing your money. I am not responsible for the outcomes of your decisions, nor am I responsible for the comments posted by readers or the contents of any linked websites. This blog should viewed for educational or entertainment purposes only.