Sunday, December 30, 2018

Projected Dividend Income in 2019

2018 is almost over!

I'm considering transitioning the blog to a mainly investing and technology focus, because that's mainly what I talk about and have been focusing on. I still enjoy the five topics of MITCH - minimalism, investing, technology, conversation, and health, but it may be too many topics to do them all justice.

On that note, I projected out how many dividends I'll receive in 2019 from my Robinhood Portfolio.

  • I'm projecting to get $150.76 of income from the dividends/ETFs that I currently own. 

With that money, I will buy additional dividend-paying stocks/ETFs, so the actual amount will most-likely be higher. I will also be adding some money out of my pocket, probably from my tax return this year. What is cool to see is that right now, the end of December 2018, I'm just crossing $100 in dividends, while next year, I'm projecting over $150 in dividends.

Here is a link to a video I made talking about this projected $150.76 for 2019 -

Below is a table of the dividends I've received by month. The yellow cells indicate an incomplete month/projected month. You can see that every month in 2019 is projected to be higher than 2018.


Projections don't always yield the exact results, but I think it'll be pretty close. How are your dividends looking for 2019?



Friday, December 28, 2018

Investing Update 12/28/2018

Here is my overall year-to-date update.

1/1/201812/28/2018Change since Jan 1stAvg/Week
Robinhood Portfolio Value$3,586.18$4,392.52$806.34
Money from my pocket$2,902.00$4,593.98$1,691.98$32.72
Gains/Realized & Unrealized$546.42-$438.97-$985.39

I just need to continue on with dividend investing and my gains will slowly come back. The market correction, along with trying options over the summer, made a negative dent in my portfolio. My strategy since October has been to stick with dividend investing, and in the next rolling 12 months, I will be receiving 368 dividend payments -

Here are the year-to-date numbers on my dividends -

Dividends Received in 2018$99.75
# of Dividends Received in 2018226
Average Dividend Payment Amount$0.441

I'm one quarter away from reaching $100.00 in dividends for 2018! I will for sure hit that goal this coming Monday, when I have 12 dividends scheduled to be paid.

I made a video talking about my dividend updates from this past week -

I have $15.32 in buying power, and I'm not sure what my next stock purchase will be. Right now on my watchlist I have Procter & Gamble (PG) and Ally Financial (ALLY). I would be able to purchase Ally sooner than PG because Ally stock is currently at $22.50/share compared to PG at $91.29/share. PG currently has a higher dividend though.

I won't be making any more stock purchases this year and ALLY and/or PG will have to wait until 2019.

Thanks for reading. 



Wednesday, December 26, 2018

Reoccuring Payments

Did anyone else struggle going to work today? I acknowledge that I'm pretty fortunate to have a job where I get Christmas Eve and Christmas Day off as company holidays. The four day weekend was fun, but I got back into poor sleep habits and probably only got five hours of sleep last night. Anyway, it was nice to get back into a routine at work. 

Continuing on with my end of 2018 financial to-do list, I looked at my reoccurring payments. 

$79.12YouTube TV + NBA League Pass
$14.99Google Music
$10.54Microsoft Office
$9.99Apple iCloud Storage
$1.99Google Storage

That's quite a bit of money that I have going towards reoccurring payments, and they're all technology related. In my video reviewing these payments, I talk a little bit about if I need to continue paying for some of these services -

  • YouTube TV + NBA League Pass
    • Do I need this? - No
    • Do I use this? - Yes, almost every day.
  • Google Music 
    • Do I need this? - I would argue yes. I use rain and ocean wave music to fall asleep, and I sometimes you feel better after listening to music. 
    • Do I use this? - Every. Single. Day. 
  • Microsoft Office
    • Do I need this? - 50/50 - My family needs it, but I don't necessarily need it. 
    • Do I use this? - Not too much right now, as you can see, I'm pretty big on Google.
  • Dropbox
    • Do I need this? - I think I can commit to Google Drive and end my time with Dropbox
    • Do I use this? - Not nearly as much as I used to. 
  • Apple iCloud Storage
    • Do I need this? - Not anymore since I bought a 2 TB external hard drive. 
    • Do I use this? - Not really anymore.
  • Google Storage
    • Do I need this? - Yes, for my pictures.
    • Do I use this? - I take a lot of pictures. 

Looks like I can consolidate and cancel Apple iCloud Storage and Dropbox and save $20/month right there. This is a good exercise to review reoccurring costs, and I encourage you to look at your reoccurring costs!



Tuesday, December 25, 2018

Selling Cryptocurrency on Gemini

If you celebrate Christmas, then Merry Christmas!

Part of the last few things I wanted to accomplish in 2018 from a financial/investing lens was to sell off my cryptocurrency.

I worked on selling the small amount of cryptocurrency I had in Gemini, and here is a screenshot from my Gemini account showing that I've sold and withdrawn everything.

You can watch the sales of Ethereum and Zcash here -

I had a TERRIBLE rate of return on cryptocurrency. I initially put $100 into Gemini to try it out and I withdrew around $20. I averaged down on Ethereum a lot, and lost quite a bit of money there. Another example was that I bought $10 of Zcash and sold it for $1.96.

It was fun to try and I'm glad I did it, even though I lost money. I was hoping to do some swing trading, but that didn't work out for me.

Do you have Cryptocurrency? How are your investments going?



Monday, December 24, 2018

End of 2018 Financial Checklist

2018 is almost over, and Christmas Eve and Christmas Day are good reminders of that. I have a few things I want to accomplish over the next week before 2019 hits -

  • Withdraw money from Cryptocurrency
    • I have Cryptocurrency in two different (brokerages?) I'm not sure if you call them brokerages, but two different sites/companies. 
    • Cryptocurrency was fun to look into this summer, but with the dropping price, I'm pulling what few dollars I have left out.
  • 2018 Dividend Summary
  • Open up an Ally Savings Account
    • I was initially interested in the 3% interest rate offered by Robinhood with their savings and checking account, but who knows if that's going to happen now. 
    • Ally has a 2% interest rate on their savings, and right now I make basically nothing on my savings account. 
  • Find reoccuring payments
    • I need to lookup my reoccuring payments and see if there are opportunities to cancel these and save some money. 
I believe these are obtainable tasks in the next week or so. I'll update you as I go!




Sunday, December 23, 2018

Investing Update 12/23/2018

Here is my overall year-to-date update, and it's not good -

1/1/201812/23/2018Change since Jan 1stAvg/Week
Robinhood Portfolio Value$3,586.18$4,303.04$716.86
Money from my pocket$2,902.00$4,593.98$1,691.98$33.18
Gains/Realized & Unrealized$546.42-$527.09-$1,073.51

As you can see, my gains have gone done by over $1,000. In the long-run, things will balance out again, but as of right now, it's not fun to look at. If I'm able to contribute more money, I can buy more of the stocks/ETFs I own at a lower price, and increase the dividend yield (as long as the dividend doesn't get cut or reduced). 

Here are the year-to-date numbers on my dividends - 

Dividends Received in 2018$98.39
# of Dividends Received in 2018223
Average Dividend Payment Amount$0.441

I'm pretty close to reaching $100.00 in dividends for 2018, and I believe I will hit that goal this week. I also made a video talking about my dividends, seen below. 

Thanks for reading, and Happy Holidays!



Sunday, December 9, 2018

Investing Update 12/9/2018

Here are some updates on my Robinhood Portfolio
  • I have 63 stocks/ETFs
  • 62 pay dividends
  • 392 dividend payments/year

This past week I received nine dividend payments

DateStock/ETFTicker SymbolDiv AmountYield
12/4/2018Intel CorporationINTC$0.603.78%
12/3/2018Twin Cities FinancialTCF$0.152.71%
12/4/2018Visa Inc.V$0.250.70%
12/5/2018United Parcel ServiceUPS$0.913.31%
12/6/2018Global X SuperDividendSDIV$0.818.02%
12/6/2018Qualcomm IncQCOM$1.244.83%
12/6/2018Global X SuperIncome Preferred ETFSPFF$0.066.29%
12/6/2018Global X SuperDividendDIV$0.276.45%
12/7/2018iShares US Preferred ETFPFF$0.165.02%
I received $4.45 in dividends this week. I'm very happy with that! 

I bought one stock this past week - Conagra Foods (CAG)
  • I bought CAG for $30.93
  • $0.213 quarterly dividend payment
  • $0.21 * 4 = $0.84 (since I only have one share, it'll round down to $0.21)
  • $0.84/$30.93 = 2.72% yield

I'm hoping to stick with the dividend strategy and continue to keep staying away from options, as I obviously don't have the stomach to handle the large swings. 



Saturday, November 24, 2018

368 Dividend Payments Per Year

On November 10th I had posted about getting 284 dividend payments per year. Since then I've bought more stocks/ETFs (exchange traded funds) to reach getting 368 dividend payments per year. I wanted to reach getting over 365 dividend payments per year because there are 365.25 days in a year. If I'm receiving 368 dividend payments per year, then it's like getting one dividend payment every day.

Now, I'm not actually getting paid every day, but on average, a stock or ETF is paying me a dividend every day.

  • I have 60 stocks/etfs in my Robinhood Portfolio
  • 58 stocks/etfs pay a dividend
  • 17 stocks/etfs pay a monthly dividend (12 payments/year)
  • 41 stocks/etfs pay a quarterly dividend (4 payments/year)

I won't be adding any money out of my pocket to Robinhood for awhile, because real life expenses have popped up. I'm hoping with the dividend payments I'll receive, I'll be able to buy more shares of the stocks/ETFs I already have. 

If you were able to take time off this week for the holiday, I hope it was restful and a time to reconnect with friends or family (the ones you want to reconnect with :)



Saturday, November 17, 2018

"Dividends" this past Week

The reason dividends is in quotes in the title is because I haven't technically received these dividends yet. Robinhood is transitioning to their own clearing system, so there's some lag time in getting paid these dividends. Regardless, below are the dividends I "received" this past week.

DateStock/ETF NameTicker SymbolDividend AmountCurrent Yield
11/13/2018Global X SuperDividendSDIV$0.818.02%
11/13/2018Global X SuperDividendDIV$0.276.45%
11/15/2018Realty Income DelawareO$0.225.15%
11/15/2018Abbott LaboratoriesABT$0.282.89%
11/15/2018Hormel Foods Corp.HRL$0.192.03%
Total Dividends this Week$3.96

I'm pretty happy with the 8% yield on SDIV. SDIV, DIV, and O all pay monthly dividends. The bad part is that I believe they're all "unqualified" dividends, which means they don't get a tax discount like "qualified" dividends do. 

I bought more dividend stocks this past week, and will share all my current stocks in another post. I look forward to reaching getting paid on average once per day by dividends. I'm almost there!



Sunday, November 11, 2018

Apple continues to buy back shares

On Wednesday, November 1st, 2018, Apple announced their Fiscal Year 2018 4th Quarter earnings.

I check the Consolidated Financial Statements approximately every quarter to see how many shares Apple has outstanding, or available to public and not bought back by Apple. This latest quarter, Apple continued to buy back their own shares. With fewer shares available to buy, the supply goes down, so the demand goes up. Fewer shares doesn't automatically mean the stock will go up, but as of right now, I don't see Apple going anywhere, so there should still be a demand for Apple stock.

Below is my table that I use to track shares outstanding for Apple.

Date EndedYear - QuarterBasic - Shares Outstanding
12/31/2013FY14 Q16,272,504,000
3/31/2014FY14 Q26,123,302,000
6/30/2014FY14 Q36,012,635,000
9/30/2014FY14 Q45,933,845,000
12/31/2014FY15 Q15,843,082,000
3/31/2015FY15 Q25,793,799,000
6/30/2015FY15 Q35,729,886,000
9/30/2015FY15 Q45,646,916,000
12/31/2015FY16 Q15,558,930,000
3/31/2016FY16 Q25,514,381,000
6/30/2016FY16 Q35,443,058,000
9/30/2016FY16 Q45,366,912,000
3/31/2017FY17 Q25,225,791,000
6/30/2017FY17 Q35,195,088,000
9/30/2017FY17 Q45,149,428,000
12/31/2017FY18 Q15,112,877,000
3/31/2018FY18 Q25,024,877,000
6/30/2018FY18 Q34,882,167,000
9/29/2018FY18 Q44,801,589,000

For me, and this is not financial advice, I will keep buying Apple shares when I can. The continuation of buying back shares is a good sign to me. Apple stock price took a big hit lately with the October correction, but I believe it will go back up with time.