tag:blogger.com,1999:blog-75908694901526062332024-03-12T19:00:22.165-07:00Duncan's DividendsDividend Growth Investing and Life TipsDuncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.comBlogger19125tag:blogger.com,1999:blog-7590869490152606233.post-43135491124455167212015-08-21T10:17:00.002-07:002015-08-21T10:17:39.451-07:00Current Market Volatility One of the things that is hard for any investor to watch is increased market volatility and severe dips in the overall value of their portfolio. I'm no different than anybody else when watching the market tank and worrying about the value of my holdings. Currently the market is experiencing a decline due to a number of factors. China is devaluing the Yuan causing worry about the growth rate in the second largest market and potentially triggering a currency war. The FED is talking about raising rates, with some believing that it will now more likely happen in December instead of September due to the market conditions. Margin debt is at all time highs which typically occurs prior to crashes as people over leverage themselves to buy stocks that they feel can only go up. The United States is sitting on a debt bubble, not just the nation themselves, but also through student loans and retirement savings issues. I could go on and on, but I think I've created a fairly bleak picture based on the headlines of the moment.<br />
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What does this all mean to me as an investor? Nothing, in fact I'm rather excited about the prospects of a market correction. We're already down from highs in the 18,000 to close to testing 16,500 on the DOW and for those of us 30 somethings that have long term prospects I couldn't be happier. This market has been running on kool aid that the FED has provided along with central banks the world over and I think it's finally time that they are out of bullets to prop up this market. It's been a fun ride, but it's time that it corrects itself. People have lost fear and have been past the point of irrational exuberance for a while now. So what's my plan now that the market volatility has returned? Well first and foremost I do not plan to sell any stocks that are my core DGI holdings, this seems like a no brainer for us DGI folks, but it has been shown time and time again that people lose their ability to think long term when they are faced with the pain of a declining asset and market. <br />
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What I do plan to do is prepare my elephant gun to take on as many new stock opportunities as I can in the coming months or years. This alludes to what I mentioned in a prior post about if I knew what I know now in 2009, my portfolio would have been much larger and throwing off a lot more dividends. So what I plan on doing is throwing the savings into overdrive with minimal stock purchases in the near term. I smell a bargain coming as people start to become less confident in this market and when they start to flee with the blood in the streets is when I plan on starting to pounce. We've shed almost 1700 points from the all time high of 18,351.36 and I don't know if there's anything that the FED or other central banks can do to stop the bleeding, and I'm OK with that. Even though I've bled off almost $20,000 in my portfolio, mostly due to oil stocks, I'm ok with the fact that my dividends will go farther now in purchasing more shares to throw off an ever increasing passive income stream. I'm sure we'll probably see some positive days in the coming weeks and maybe even a nice bounce up for a bit, but I have a feeling more pain than pleasure is coming and I'm preparing for the opportunities ahead. This doesn't mean I'm not currently investing as I still have my 401k investing biweekly, but it does mean that I'm holding off on my personal picks as I see how things play out. I'm not trying to time the market, but rather getting more cautious as things take form. <br />
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What about you, are you changing your strategies with the increased volatility?Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-53273092627293426902015-08-19T14:43:00.000-07:002015-08-19T14:43:45.496-07:00Prosper Update August 2015Another month and another time to look in at my smallest passive income stream, but one that I look at as my play money. Probably not the best way, but I've invested $50 a month to invest in a couple new micro loans each month (on top of the interest payments) and I like what I'm seeing so far. I've had a pretty good run the last month with my seasoned loans increasing, those loans that are over 10 months, and the return on investment starting to creep back up again. So here's a breakdown since last month.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEnf7AjI-tls9ZYroARzOkD4GVJHxlLInxA9ADqj-OQbMAZPfnbBRcQBkgFO_N1P42837S6OShRswpW1fhvzA8aNkeTWfrmij-Oz8G2ogOSmYoXjuJSRlJM-QzfmqWpQZTJxSPtbrdNJhk/s1600/Capture.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="272" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEnf7AjI-tls9ZYroARzOkD4GVJHxlLInxA9ADqj-OQbMAZPfnbBRcQBkgFO_N1P42837S6OShRswpW1fhvzA8aNkeTWfrmij-Oz8G2ogOSmYoXjuJSRlJM-QzfmqWpQZTJxSPtbrdNJhk/s640/Capture.PNG" width="640" /></a></div>
As you can see compared to last month I've had some nice trending. I haven't invested the money this month basically because I forgot to and I don't like the auto invest feature as I have certain metrics that I look at and won't touch loans if they don't meet that criteria. I'm also not a fan of a robot selecting my loans for me.<br />
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So looking from last month to this month my rate of return has increased by almost 3% which is amazing for a one month comparison. My seasoned loans scored even better going from 5.17% to 8.38% which is an even more amazing 3.21% increase over last month. To put the rate of return in context here's a breakdown since I have started in January of 2014.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPqTCPLHGQ1RL4PVs-k6QIRH1PTyKgooiVcy0nVZqeikXP5Le0vZvbfYCq51rJRaitg-HpNlhltMC00hdiSL2r30DhcWj-3NpANb02xo4OQa_ngP3cyyYo9kKJ_pHzxCjttJIfKSO_nDg7/s1600/Capture.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="165" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPqTCPLHGQ1RL4PVs-k6QIRH1PTyKgooiVcy0nVZqeikXP5Le0vZvbfYCq51rJRaitg-HpNlhltMC00hdiSL2r30DhcWj-3NpANb02xo4OQa_ngP3cyyYo9kKJ_pHzxCjttJIfKSO_nDg7/s320/Capture.PNG" width="320" /></a></div>
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Clearly I'm doing pretty well despite a couple of deadbeats which were charged off. Overall the trend is very healthy and I'm quite pleased with the returns. Has anyone tried Prosper since my last post? If so please share your results and experiences.</div>
<br />Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-37931617969531889682015-08-12T11:32:00.000-07:002015-08-12T11:32:40.583-07:00July 2015 Dividend Wrap UpAh another month and now my second post on my passive income stream. I like to think of this as my freedom from doing what others want me to do as I'm really liking the current volatility that I'm seeing right now. My portfolio is down, but I'm building some cash reserves for what I see as the taper tantrum that is coming when the fed finally raises rates. I think the market has some of it prices in, but I'm almost certain tat people will freak and give us a buying opportunity on some REITs and other assets that will help propel my portfolio forward. That being said let's look at a breakdown of my July income:<br />
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<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"Roth"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Roth</td><td data-sheets-value="[null,2,"IRA"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">IRA</td><td data-sheets-value="[null,2,"Investment"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Investment</td><td data-sheets-value="[null,2,"Total"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: center; vertical-align: bottom;">Total</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"January"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">January</td><td data-sheets-value="[null,3,null,39.87]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">39.87</td><td data-sheets-value="[null,3,null,121.93]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">121.93</td><td data-sheets-value="[null,3,null,172.97]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">172.97</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,334.77]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">334.77</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"February"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">February</td><td data-sheets-value="[null,3,null,265.53]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">265.53</td><td data-sheets-value="[null,3,null,105.44]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">105.44</td><td data-sheets-value="[null,3,null,110.36]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">110.36</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,481.33]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">481.33</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"March"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">March</td><td data-sheets-value="[null,3,null,205.87]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">205.87</td><td data-sheets-value="[null,3,null,430.79]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">430.79</td><td data-sheets-value="[null,3,null,82.56]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">82.56</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,719.22]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">719.22</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"April"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">April</td><td data-sheets-value="[null,3,null,41.46]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">41.46</td><td data-sheets-value="[null,3,null,124.5]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">124.5</td><td data-sheets-value="[null,3,null,159.04]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">159.04</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,325]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">325</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"May"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">May</td><td data-sheets-value="[null,3,null,287.29]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">287.29</td><td data-sheets-value="[null,3,null,118.82]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">118.82</td><td data-sheets-value="[null,3,null,95.75]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">95.75</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,501.86]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">501.86</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"June"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">June</td><td data-sheets-value="[null,3,null,270.12]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">270.12</td><td data-sheets-value="[null,3,null,341.4]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">341.4</td><td data-sheets-value="[null,3,null,50.83]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">50.83</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,662.35]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">662.35</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"July"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">July</td><td data-sheets-value="[null,3,null,88.97]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">88.97</td><td data-sheets-value="[null,3,null,217.61]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">217.61</td><td data-sheets-value="[null,3,null,160.17]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">160.17</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,466.75]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">466.75</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"August"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">August</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"September"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">September</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"October"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">October</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"November"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">November</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"December"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">December</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,1199.11]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">1199.11</td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,1460.4900000000002]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">1460.49</td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,831.68]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">831.68</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,3491.28]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">3491.28</td></tr>
</tbody></table>
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In July my passive income was $466.75 versus my 2014 income of $339.81. This is an increase of <span style="color: lime; font-weight: bold;">37.356169624201755% </span>(love the oddly specific percentages) which is fantastic. This is another huge increase over 2014 and one more step closer to financial independence. As you can see though the bulk of my dividends are in my IRA so long term wise I have a lot of work to follow up on my investment account to allow me to retire early. Overall I'd say I had a pretty solid month and my investment account is starting to pull its own weight as it is coming to be more and more in line with my other accounts which are my heavier hitters. I'm hoping to see the current volatility continue and begin to top off this account to really start to propel my returns. </div>
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How did you all do in July, share your journey to fiscal freedom!</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com2tag:blogger.com,1999:blog-7590869490152606233.post-50962574174679576212015-08-06T09:41:00.003-07:002015-08-06T09:42:03.069-07:00Thursday Rant - The Evolution of FacebookI don't usually use social media. Ironic since I'm a blogger these days, but I don't ever post on facebook, I never really used myspace, I'm instagram illiterate, and overall I really don't understand the gravitation to these sites. I can conceptually understand that it is nice to know what people are doing with their lives and stay in touch, but I thought that's what a phone and now text is for. However, being that it's the preferred medium for communication with a number of my friends, I've pretty much resigned myself to knowing that I need to at least have an account and check it on occasion. This brings me to really needing to rant about what Facebook has become.<br />
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In the beginning Facebook was cool, hip, and trendy. It was a closed community where only certain schools had access to it. I remember being in college and hearing about this cool new system to keep in touch and know what friends were up to. This was back in the days of AOL IM and it sounded like a really cool idea. Fast forward a bit and it was made available to everyone. I joined, played around a bit, and found that it was kind of neat to see where my friends were and what they were doing. Then EVERYONE joined and things started to spiral out of control.</div>
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Don't get me wrong I think Facebook is a cool way to stay in contact and when I first got on that's what everyone did. Then the start of menial tasks came about. Status updates like "I'm in bed" or "I'm in the bathroom" started to pop up. What originally was a fun way to see what people were up to turned quickly into a toilet bowl of complete and utter crap. I'm sorry but if you're dropping the kids off in the pool I DON'T want to know. EVER! We all use the bathroom, we just don't need to glorify and commemorate it for the world to see. </div>
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Next came the influx of pictures of what people were going to eat. Hit a restaurant, take a picture of the well cooked meal and post it on Facebook. My reaction every time I saw these posts...Neat you eat food. Why do I care what food you are eating. How does this connect me to you as a person? This type of stuff drove me crazy and was part of the reason I started to use the site less and less. Facebook was slowly transforming into a commemoration of blandness. We didn't talk about the amazing experience we had in Costa Rica as much as the salad we had at Denny's.</div>
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Fast forward to now and my utter disgust and frustration with social media in general. There are things you just don't talk about with other people on a global scale. Things like money, religion, or politics are taboo for a reason. Facebook has become the mother of all dumping grounds for our political and religious views and we lurch from one politically correct crisis to another with people chiming in on both sides of the viewpoints. What happened to the days where we were not guilty until proven innocent? When we didn't castrate a person for a particular viewpoint, but rather worked out our differences and came to a mutually acceptable plan of action? This gets into politics which I don't want to touch on, but Facebook has become the mainstream way of expressing out views into these subjects. I respect everyone's opinions on subjects. Your for gay marriage? Great! You think that being atheist is the best for people? Good for you! You want to marry your toaster? Fantastic! </div>
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The point is we're forcing viewpoints and political arguments on our friends, many who have opposing viewpoints, and then we shame each other for the world to see. Facebook was supposed to be about connecting each other positively and it seems like we're moving away from that and into more of a world where we are dividing ourselves even more. I have friends who don't have spirited debates, but rather falling outs because of their Facebook activities. I long for the day when Facebook and all social media was about connecting to those around the world in its purest form and not a representation of all the opinions of people that spark insanity.</div>
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What about you, how do you feel about Facebook and is it an integral part of your life?</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com2tag:blogger.com,1999:blog-7590869490152606233.post-36264380825425593612015-08-04T08:41:00.000-07:002015-08-04T08:41:14.553-07:00BIG dividend raise!As we all know in 2008 the market tanked. The sky was falling, federal bailouts were the norm, and people were seeing blood in the streets. Lehman brothers failed and went into bankruptcy, Bank of America bought Countrywide (a poor decision) and Merrill Lynch (an even worse one, and in the following years a ton of bank failed. While some can argue that the government forced some of the purchases, <a href="http://www.businessinsider.com/2009/2/did-the-government-force-bank-of-america-to-buy-merrill" target="_blank">Bank of America's for example</a>, this period in American financial history proved to be one of the greatest economic opportunities for us investors if we had had the stomach and the guts to invest during this time period. If I knew then about dividend growth investing what I know now about it, well life would be very different indeed. <br />
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So fast forward to post recession economics where once great companies have sullied reputations, auto makers are booming again, and interest rates are still non-existent. Dividend income is where it's at and the once great dividend powerhouses that helped millions work towards financial freedom were crushed. There are times during investing that you have to take a chance and make some smart, educated gambles. So on March 13, 2014 I took a close look at American International Group (AIG) and liked what I saw. To understand why this was a gamble one need only to look at the recent history of this once enviable organization.<br />
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American International Group is one of the largest insurers in the world and when the financial crisis hit it was one of the first "too big to fail moves" The federal reserve stepped in and bailed out AIG to the tune of $85 billion and this is when AIG suspended their dividends. To get a better understanding here is a <a href="http://www.dividend.com/dividend-education/the-biggest-dividend-stock-disasters-of-all-time/" target="_blank">quick breakdown of the events around AIG circling into it's demise</a>:<br />
<figure style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Proxima Nova', Arial, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 10px;"><img alt="Aigressurect" src="http://www.dividend.com/media/W1siZiIsIjIwMTUvMDEvMTQvMnZrNXB3MnpvOV9BSUdyZXNzdXJlY3QucG5nIl0sWyJwIiwiZW5jb2RlIiwianBnIiwiLXF1YWxpdHkgODAiXSxbInAiLCJ0aHVtYiIsIjc1MHgiXV0/AIGressurect.jpg" style="border: 0px; box-sizing: border-box; height: auto; margin: 20px 0px 0px; max-width: 100%; vertical-align: middle;" /></figure><div class="article__textile-block " style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Proxima Nova', Arial, sans-serif; line-height: 20px;">
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<li style="box-sizing: border-box; font-size: 16px;"><strong style="box-sizing: border-box;">A – 9/15/2008 Collapse of Lehman Brothers</strong>: This is widely regarded as the event that set the financial crisis in motion.</li>
<li style="box-sizing: border-box; font-size: 16px;"><strong style="box-sizing: border-box;">B – 9/19/2008 <span class="caps" style="box-sizing: border-box;">AIG</span> Pays a Dividend</strong>: This would be the last dividend <span class="caps" style="box-sizing: border-box;">AIG</span> would pay for five years.</li>
<li style="box-sizing: border-box; font-size: 16px;"><strong style="box-sizing: border-box;">C – 9/23/2008 <span class="caps" style="box-sizing: border-box;">AIG</span> Officially Suspends Dividend</strong>: The government bailout forced the company to suspend its dividend.</li>
<li style="box-sizing: border-box; font-size: 16px;"><strong style="box-sizing: border-box;">D – 8/1/2013 <span class="caps" style="box-sizing: border-box;">AIG</span> Officially Reinstates Dividend</strong>: After strong earnings, the company announced that it would bring back its dividend distribution.</li>
<li style="box-sizing: border-box; font-size: 16px;"><strong style="box-sizing: border-box;">E – 9/26/2013 <span class="caps" style="box-sizing: border-box;">AIG</span> Pays a Dividend</strong>: In its first dividend in 5 years, <span class="caps" style="box-sizing: border-box;">AIG</span> paid out $0.10 per share to its shareholders.</li>
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To really understand how much this company fell off a cliff let's look at what the value of the stock was and paying a hefty $4.40 dividend!</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQmoPGt_bfxzuHJnu5uKZ_mEBQEsQQcRMOyHxBgIshkEOqu6tAGih3SMGaFN1rnJMHGKsV-FTFTQB_o7i4MPJzVPGohLBDOioaAxOSpdMKooF8Yp_O46UhUP_haGnmdWO7_0ntyJbysYtU/s1600/Capture.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="233" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQmoPGt_bfxzuHJnu5uKZ_mEBQEsQQcRMOyHxBgIshkEOqu6tAGih3SMGaFN1rnJMHGKsV-FTFTQB_o7i4MPJzVPGohLBDOioaAxOSpdMKooF8Yp_O46UhUP_haGnmdWO7_0ntyJbysYtU/s640/Capture.PNG" width="640" /></a></div>
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This chart is really telling, AIG was CRUSHED during the financial crisis and prior to it it was a high flying company. So how has AIG looked the last three years?</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlmlLSsG4wJf2xK8ZQyQ8e-IxgmcF2PaWXGotWCOjJiVo-1VMSEJiO8sPDq9vG-6FS-yf3tYds82LNRW4NgxMHHA8LEIM1wjwFcmcVTK0IkNraDRoMd7H63IylsvK8fy9POV3oQVhyphenhyphentD9u/s1600/Capture.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="392" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlmlLSsG4wJf2xK8ZQyQ8e-IxgmcF2PaWXGotWCOjJiVo-1VMSEJiO8sPDq9vG-6FS-yf3tYds82LNRW4NgxMHHA8LEIM1wjwFcmcVTK0IkNraDRoMd7H63IylsvK8fy9POV3oQVhyphenhyphentD9u/s640/Capture.PNG" width="640" /></a></div>
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As you can see it has handily outperformed the DOW and is up almost 80% in that time period. Since I have bought the dividend has been at $0.125 per share, a far cry from that $4.40 mark only a few short years ago. Yesterday AIG made a huge dividend announcement coupled with a new $5 billion share buyback program.</div>
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The big news for me is that the dividend increased a whopping <u style="font-weight: bold;">124%,</u> that's a huge increase and a big vote of confidence for the company's future in my opinion. This increase adds <b><u>$125.39</u></b> a year in dividend income. This is fantastic and proof that ever once in a while taking a calculated risk is worth the chance.</div>
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Tell me about your best calculated risk and why you did it. </div>
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Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com3tag:blogger.com,1999:blog-7590869490152606233.post-10891380108441940552015-07-30T11:47:00.000-07:002015-07-30T11:47:34.065-07:00Personal Capital or Mint?The online financial community has a plethora of options available to them to manage their financial lives online. I'd like to talk about two of the better options out that, the benefits, and the detractors of each. These services are <a href="https://www.mint.com/" target="_blank">Mint </a>and <a href="https://www.personalcapital.com/" target="_blank">Personal Capital</a>, both linked for convenience and not to generate a referral bonus. Each of the companies do some things extraordinarily well in their current iterations, but of course each has room for improvement as well. So which is better?<br />
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<b><u>Personal Capital</u></b><br />
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Personal Capital is a fantastic free online tool that allows you to see your overall net worth, manage your accounts, and see trends over time. I personally like this tool to track net worth as it provides easy to read graphs and trending over the month to see where your money has gone. To top it off it allows you to see how you are allocated by sector and determine if you are overweight or underweight a particular asset class. To me it's a really cool tool to see where everything is without having to create all of my own custom tools to do so. <br />
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Another cool tool is the ability of Personal Capital to recognize my pension versus my 401k. Yes I'm one of the few that still has both and I'm extremely lucky to be in this camp. Personal Capital is able to pull this data in, while Mint is unable to do so.<br />
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So what's the downside? On occasion Personal Capital will lost track of your accounts, which causes fluctuations in the graphs. I'm not really sure why this occurs, but on a fairly consistent basis it loses touch with my Ameritrade account and my net worth falls a hundred thousand dollars. This makes it difficult to see the true trending of my accounts as having my net worth crater once a month skews the actual results. In addition to this Personal Capital does not really update as quickly as its peer and credit transactions take longer to update.<br />
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<b><u>Mint</u></b><br />
Mint is another fantastic free online tool to help you manage your money, It really is a simple interface and anyone who was familiar with Quicken will recognize many of the same features. Mint was ultimately purchased by Intuit and supplements the Quicken experience. I like Mint for a variety of reasons. First it updates faster than Personal Capital. It recognizes pending transactions and reports on them ASAP. This is really nice for when I get paid and when I purchase any items as bank accounts reflect things a day earlier than Personal Capital will. In fact Mint recognizes pending transactions on my credit card within five minutes of the actual purchase. This really provides a truer perspective on where my money is at all times. FANTASTIC!<div>
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The downside to Mint? Well first it doesn't recognize my pension. In fact it can't even find it even though it's located on the same site as my 401k. Somewhat surprising and disappointing, but I make due. Second, the graphs are not as robust or as helpful as Personal Capital. In fact, in my opinion, the long term trending of Mint is pretty abysmal. I like it for it's short term and the ability to see where my money has gone recently.</div>
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<b><u>So Who Wins?</u></b></div>
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In the case of Personal Capital versus Mint I can clearly state that the winner is......</div>
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<b><i><u>Neither</u></i></b>. Both have their perks and detriments, but neither is really superior to the other. In fact I would argue that to truly understand your current fiscal state the use of both is necessary. I like facets of both products and encourage those seeking financial freedom to use them. But understand that there are some limitations to them and knowing that they are tools to help watch your overall goals. </div>
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So what are your thought? Which tools do you use to manage your financial life?</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-35145504332830048012015-07-20T13:45:00.001-07:002015-07-20T13:45:39.624-07:00Prosper LendingAs I like to have a diversified stream of revenue I try to look at all of my different options in generating a return on investment. One of the avenues I dabble in is <a href="http://prosper.com/">prosper.com</a>, this site allows me to become a creditor for small consumers or businesses that aren't getting loans in the traditional sense. Peer to peer lending is a relatively new wealth building tool and one that carries its own set of risks. What if the market gets weak again, will the borrowers be able to pay? What about people who are out there to game the system? Will the big boys get involved and scoop up all of the lucrative loans?<br />
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All of these are viable questions and the reason why I try to keep my exposure to peer to peer loans somewhat small as an overall risk. My account is also only a year old so it is relatively small. Whether I decide to grow it faster will be determined by the annual returns over a couple of years as I get my feet wet in these uncharted waters. So how does Prosper rate their loans for those of us willing to invest. Below is a table with the results into 2014. Not completely up to date, but stille relevant for my purposes..<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhy7Pxbn57exI2QnhfCKuwoSFz-z9J53tuvsqr-oU7qc9gviC1XrwimsOhXakHNELaQNg3XH94OBGKOCtujdBQecAD_84hAtt4gBKPkDC0_efnqB0SVr_rzGybyZbCXIfQ46LQFfeZlktH6/s1600/Prosper+loans.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="145" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhy7Pxbn57exI2QnhfCKuwoSFz-z9J53tuvsqr-oU7qc9gviC1XrwimsOhXakHNELaQNg3XH94OBGKOCtujdBQecAD_84hAtt4gBKPkDC0_efnqB0SVr_rzGybyZbCXIfQ46LQFfeZlktH6/s640/Prosper+loans.PNG" width="640" /></a></div>
As you can see there are seven different loan qualities with average yields from 7% all the way up to almost 27%. While this was relevant in 2014, I tend to find that the AA loans are a little lower right now on their yields. AA loans are obviously the highest quality, while HR loans are extremely risky. Although I see it on their table, I have yet to see an HR loan make it to the marketplace. This is probably due to some of the larger players buying them before the general public. At this point I've dabbled between AA and E loans and while most loans have paid their principle and interest payments on time, I've found that I have issues with C rated loans the most. This has skewed me into a more conservative lending rate and focusing on the AA and A loans primarily, with the odd B-E loan making it in. <br />
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What's nice is that Prosper will also break down your returns based on if they are "seasoned", those loans that are ten months or older, and then the all in number. Loans on prosper tend to stay up to date once they make the ten month window. There is apparently a lot higher default rate before then. So what are my returns after dabbling with peer to peer lending for the last year? Below is my current breakdown and account size. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhn4wbg6a9xMuJjnqjPRa6b9KH38hMBEa020gyspcH3nLfV5RAuHQKTyB2kWEZi_kHxuEY4IW5Bgbocdu9b0HrwUxbmenCYWLdzTgcVBVsy9G_KltJ-MyvyDsG1rwTVFlKrBjTDoBUUwLgn/s1600/My+loans.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhn4wbg6a9xMuJjnqjPRa6b9KH38hMBEa020gyspcH3nLfV5RAuHQKTyB2kWEZi_kHxuEY4IW5Bgbocdu9b0HrwUxbmenCYWLdzTgcVBVsy9G_KltJ-MyvyDsG1rwTVFlKrBjTDoBUUwLgn/s400/My+loans.PNG" width="400" /></a></div>
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Small account size, but not bad considering I maxed out my roth, 401k, and added about six grand to my investment account last year. I like the fact that I get paid monthly on the loans and that I can. quickly reinvest the proceeds on a monthly basis. It's a lot like having a dividend stock that pays you ever month instead of quarter, it allows you to build up the capital to purchase more faster. I don't have any loan that is over $25.00 which allows me to spread the risk across a great variety of individuals. This helps to mitigate any risk that any one individual can cause to my portfolio. As of now, prosper claims that anyone with a portfolio over $2500.00 has not lost money in the marketplace. As my account grows, it will be interesting to see if this is the case or not. <br />
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How about you? Have you tried peer to peer? If so what experiences do you have with peer to peer lending?Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com2tag:blogger.com,1999:blog-7590869490152606233.post-29027684882429065742015-07-16T13:21:00.002-07:002015-07-16T13:21:46.141-07:00Year Over Year Dividend Growth 2013-2015As I travel along on my journey to financial freedom and work towards my fiscal independence, it's important to reflect on how far I've come. I really started to change my thoughts on how I invest starting in 2013. My idea on investing was very scattered up until that point. Had I made money? Yes! Was I really successful at building a long term strategy? Absolutely not, in fact I would argue that I really didn't know what building a long term sustainable passive income pipeline was really about. In 2013 I really started to poke around at some online blogs and found <a href="http://www.retireby40.org%20/" target="_blank">retireby40.org </a> and <a href="http://dividendmantra.com/">dividendmantra.com</a>, both really outstanding at getting my butt up off the couch and saving in a meaningful way. My eyes were open to what passive income can do and how it can essentially free you from your regular 9-5 grind. So I started to shift my portfolio and investment strategies into dividend stocks and other passive income pursuits. So how have I done over the years? Let's find out:<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhUhyphenhyphenT4m4GvUnVfUfY8udzm0s1DjLte8yVywmznA2owLGoRlGB2Nj3pP_IGSEXULV4V_imhH2jqFDMF29qRfQrJA88ITSJqbso9EjePJNUH-gy7aSsRIzNAHj_3-yFU_EiVLQ9ASPrPoHO/s1600/image.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="197" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhUhyphenhyphenT4m4GvUnVfUfY8udzm0s1DjLte8yVywmznA2owLGoRlGB2Nj3pP_IGSEXULV4V_imhH2jqFDMF29qRfQrJA88ITSJqbso9EjePJNUH-gy7aSsRIzNAHj_3-yFU_EiVLQ9ASPrPoHO/s320/image.png" width="320" /></a></div>
So this is 2013, as you can see it's all over the board with my month to month with December looking fantastic compared to the others. However, my total was only <b>$1310.53</b> in passive income. Not the stuff that financial independence is made of, but what would amount to at least a decent start considering my prior investment decisions.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheYM6WzFrPLKOhUcDhbrBINcP4542SYTIVrMICYPSuSMzXhvxndQAl2_OlJnjU4ETnry3bQF0cjQ_yxMML5cRvNR56S1YboqFztz9nCT3NZ5RNswHXZPaUTy72on_IkVgs14r784sRELqy/s1600/image+%25281%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="197" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheYM6WzFrPLKOhUcDhbrBINcP4542SYTIVrMICYPSuSMzXhvxndQAl2_OlJnjU4ETnry3bQF0cjQ_yxMML5cRvNR56S1YboqFztz9nCT3NZ5RNswHXZPaUTy72on_IkVgs14r784sRELqy/s320/image+%25281%2529.png" width="320" /></a></div>
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2014 looks quite a bit stronger, pretty obvious I've done some reallocation of assets and generated some substantially different returns from dividends. In fact I brought in <b>$6269.18</b> in passive income. That's a pretty solid rate of improvement with almost a 4x increase. This happened from a few things. I rolled over my old 401k and bought some dividend stocks, probably did a lot of the lifting right? It actually only accounted for about 40% of what I improved upon. So my other accounts did some pretty heavy lifting of their own. </div>
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So how am I looking so far this year? Well as previously noted I've had some dividend reductions from Seadrill, but all is not lost. Halfway through the year I'm at <b>$3024.53</b> in passive income. This makes me about $850 YTD over my total of $2126.55 at the same time last year. So while my income looks like it has gone down. I'm actually up considerably in 2015 thus far TYD.</div>
<br />Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com1tag:blogger.com,1999:blog-7590869490152606233.post-71445410266375305732015-07-13T14:52:00.002-07:002015-07-13T14:52:18.292-07:00Monday RantHappy Monday to everyone! Thought I'd start of the week with a little bit of fun for myself and hopefully you all. I thought I'd take a moment to borrow with pride from <a href="http://1500days.com/">1500days.com</a> and get a little stress off my chest with a small rant on something that irks me. For those of you that follow my blog, which at this point is probably all four of you :), you know I work in the insurance industry. I used to work on the claims side, but now I work on the continuous improvement of our processes within the organization. What I would like to focus on out there are all the people who have claims and blame the insurance company for all of their problems.<br />
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So let's start with a couple of stories from my past life in handling claims. Some of the things you see when you are helping people get back to where they were prior to a loss is truly outstanding. I'll start with my property management days when I ran a team up in Chicago that handled any type of claim that was damage to a structure (IE house or detached garage) and personal property (said crap within those locations) I use personal property and crap as synonyms as what is a treasure to one individual is likely garbage to another and for the purpose of this story there is quite a bit of crap involved. <br />
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Before we go any farther let's put the entire insurance claim process in perspective for how people basically treat the insurance company through this <a href="https://www.youtube.com/watch?v=bN0rsAaJ8mw" target="_blank">youtube video</a> (NSFW).<br />
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Let's meet our insured who we will name Mrs. Pain. Mrs. Pain was out of town one February when she got a call that she had a frozen pipe burst in her house. So while out of town Mrs. Pain decided to file a claim on her policy which came to my team. We promptly called her to schedule an appointment the same day to visit her and help her out on her loss. Since she was out of town she decided that she did not want to have anyone on her property to inspect or mitigate the damages. We even offered for us to meet her son onsite who lived a few miles away in order to make sure that we could save as much of her personal property as possible. Unfortunately this was not an option for her so we had to wait for her to get back in town a few days later.<br />
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My rep was booked for the day when she finally called in, but being that it was already a few days into the loss I decided as the manager to go out to assist with her claim. I coordinated with Mrs. Pain and got permission to bring a water mitigation vendor with me to the site to assess the damages. Additionally she agreed to allow a textile restoration vendor and personal property storage vendor to come as well to potentially start moving the claim forward. So far Mrs. Pain appeared to be a normal insured, except for the few day delay of mitigating her damages. So here I was driving to meet with her and help her get her claim started and hopefully start getting her back to a normal life. <br />
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I arrived around 2:00 and was awaiting the vendors to show up who were scheduled at 2:30. I always like to be a little earlier than the vendors so I can explain the process, what to expect, and to answer any reservations the person who has a large loss may have. I met Mrs. Pain who seemed like she was a nice person, albeit a little off, but nothing that I hadn't really dealt with before. However as I walked into the insured's house things changed just a little bit...<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhUhSbpEhHaC-OXcMlLTZcPgBokDMPmvvmMjBTh7F5H5aDJhM3QDgRbd-OEwfaI1GbD7LgebzCa44c74QCe_N4EoJmgRkQG4OEc6ou6B9hkWJk-DS-y3DJ5yoMAn5fg1nApcQwYKcXuYv1/s1600/hoarding.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhUhSbpEhHaC-OXcMlLTZcPgBokDMPmvvmMjBTh7F5H5aDJhM3QDgRbd-OEwfaI1GbD7LgebzCa44c74QCe_N4EoJmgRkQG4OEc6ou6B9hkWJk-DS-y3DJ5yoMAn5fg1nApcQwYKcXuYv1/s1600/hoarding.jpg" /></a></div>
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<span style="font-size: x-small;">not the actual house, but a pretty good representation</span></div>
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At this point my initial thoughts ran along the lines of holy crap, shit, and dammit this is not going to go well. We've all seen probably five minutes of any hoarding show and we know that these people have a disease. However, I was pleasantly surprised at the amicable response I got from Mrs. Pain and her dealing with all the vendors. She chatted with them, decided that she wanted to use them even when I told her she could choose her own, and then even signed work authorizations. I thought to myself that this was the one off and that she would actually be ok to work with. I followed up a couple of days later with my rep assigned and we started to actually have people do work within the residence. This is where the wheels fall off the tracks quickly.</div>
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Some fun facts about Mrs. Pain and her claim:</div>
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<li>This was her mom's old house and filled with her mom's and her property</li>
<li>In the bathroom our insured has a feral cat with feline leukemia, said cat is not potty trained, nor is it friendly</li>
<li>Apparently during the storage of her crap, yes literally crap with no intrinsic value, we had hundreds of thousands of dollars of mystery jewelry stolen by the vendor. There are no receipts for these and the vendor took pictures of everything they took out of the house</li>
<li>Said jewelry wasn't stored in a jewelry box, but rather in random things throughout the house</li>
<li>The second floor water wasn't water, it was feral cat piss</li>
<li>Paying $147,000 policy limit and 5% for debris disposal was not enough to resolve the pain and punishment we were inflicting on her trying to get the house back to livable conditions</li>
<li>The items that were cleaned weren't apparently clean. They looked like they had gotten wet and this was unacceptable. (Apparently she washes things with air)</li>
<li>Our insured decided that she didn't want her stuff back from the storage company, nor did she want to pay them</li>
<li>The claim has gone on for four years and she still is trying to get money from the claims department even though we've paid out the maximum amounts</li>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3rMBTr4cMDOnDkfQHL9n8rf1kOiHm1azltvAEFdspaIe6ZNpO0El92L2AUCtBfvPzRBhhwzS6W4nNTd7ZcmEmaIiq3HQuzByV2c1ibQnYO-WDNAzjtOZKqezA6WDqxIiqTIxOUy6i2iZE/s1600/images+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3rMBTr4cMDOnDkfQHL9n8rf1kOiHm1azltvAEFdspaIe6ZNpO0El92L2AUCtBfvPzRBhhwzS6W4nNTd7ZcmEmaIiq3HQuzByV2c1ibQnYO-WDNAzjtOZKqezA6WDqxIiqTIxOUy6i2iZE/s1600/images+%25281%2529.jpg" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOKog3id8av5LJ6Xy_vAcmI0z7QUMiAaUhgLWw91JVWV2Bbge7zq2EmuK1hE-nqO4mZWorqKrVXSKocvheqAE31xSkPjweIsPYzSsV5DJ8IH3Alc9KH2mNhgz8mVR13abW2d2P3otmb4fl/s1600/images.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOKog3id8av5LJ6Xy_vAcmI0z7QUMiAaUhgLWw91JVWV2Bbge7zq2EmuK1hE-nqO4mZWorqKrVXSKocvheqAE31xSkPjweIsPYzSsV5DJ8IH3Alc9KH2mNhgz8mVR13abW2d2P3otmb4fl/s1600/images.jpg" /></a></div>
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<span style="font-size: x-small;">Examples of treasures that she couldn't live without</span></div>
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So I rant about this story because literally the worst people ever, despite the fact that we went over and above on this woman's claim. We were the big bad insurance company out to screw her. What's ironic is we did more on this claim than on any other person's claim to provide as seamless and easy experience that we possibly could. I hate this type of mentality as it's very woe is mentality that is prevalent in our society and really is the basis for a lot of our social ills. We've become better at whining that actually owning up to our actions and the entitlement we feel is something that is unbelievably deeply rooted into our societal fabric. Mrs. Pain highlighted many of the qualities that, unfortunately, have become the basis for our cultural thinking. I've paid you so I'm entitled to whatever I want.</div>
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In reality it doesn't work this way, you get what you earned or what you contractually signed up for. In this case this person got way more than a reasonable person would have expected for the claims process. Then she believed she was entitled to more because she was her and had been paying us to insurer her. What's even more fun was she had been a policyholder for six months. So in six months she ended up having a questionable frozen pipe (more of the story than is needed here) and paid less than $1000 to get $147,000 and she believed she was entitled to more.</div>
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Remember you earn your way through life, nothing is given to you nor does the world owe you anything. Similar to growing your wealth, you have to earn it.</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com2Chicago, IL, USA41.8781136 -87.62979819999998241.4995241 -88.275245199999986 42.256703099999996 -86.984351199999978tag:blogger.com,1999:blog-7590869490152606233.post-87155443696719381562015-07-10T14:22:00.002-07:002015-07-10T14:22:50.750-07:002014 Personal Savings RateIt's always interesting when I read other blogs and see the discussions with people about their personal savings rate. For those out there that achieve 70% or high is astounding and really is a testament to their frugality and dedication to their willpower to not get lost in keeping up with their neighbors. I especially like <a href="http://www.dividendmantra.com/2015/06/incomeexpenses-for-may-2015/" target="_blank">Dividend Mantra's</a> journey and his incredible 64.5% savings rate for the month of May. I haven't seen another update from him on June, but I'm sure with his crazy amount of purchases that he did quite fine last month as well.<br />
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In the spirit of the rest of us savers and seekers of financial independence I'm going to keep a regular cadence of my savings. Before I break it down and get into the numbers I want to explain how I'm calculating my savings. I spend approximately $1350 on my mortgage each month and pay an extra $100 towards the principle each mortgage period. I will not include this in my savings rate as to me it is an expense that I have to pay. I guess I could not pay it, but something tells me that Chase and I would have a rather unpleasant conversation. I explain this as I have seen it included in people's financial savings rate and, while it does have some merit as you technically are saving interest, it's still a mandatory expense until you pay off the house. <br />
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So how did I do in 2014? I'm going to break it down in two ways to see what I'm saving comparing full salary and my take home pay. Before we do that though we need to know what the average US savings rate is to see if I'm really doing any good. Referencing ycharts for the savings rate we see a breakdown for the last five years and currently we have a national average of<a href="https://ycharts.com/indicators/personal_saving_rate" target="_blank"> 5.1%</a>. That's pretty abysmal and it's no wonder we're looking at a retirement "crisis" in the near future. I put parentheses up because everything nowadays is a crisis or disaster, pretty sure when I was a kid things just happened instead of being sensationalized.<br />
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Looking at comparing it to my full salary to my savings last year I saved <b>34.65%</b> of my gross income. That's a pretty solid number almost 30% higher than the average American. Digging even deeper into it when I pull out an base it solely on my take home, meaning after taxes) I socked away <b>39.90%</b> of my take home pay. I set a goal for 2015 to save 40% and I almost accomplished it last year without really even knowing. I really like having a goal in place as I did not have one in 2014. I tried to sock away money with no regard to really understanding what I was going for. Now that I've got a goal I have something to work towards.<br />
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How about you? What are your savings rate goal and achievements.<br />
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<br />Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-80673445048441744312015-07-08T12:22:00.000-07:002015-07-08T12:22:56.949-07:00Bad days and the little thingsSo I posted last about Tallie, my wonderful Black Lab that keeps me entertained and provides lots of relatively free entertainment. Well as anyone who owns a pet can tell you there is always that one time when you walk in and discover that your furry friend has done something unexpected. So Saturday June 28 I went to bed with Tallie sleeping comfortably by my side. I woke up to her still next to me, but when I came downstairs I found that someone had had some mischievous moments over night. Tallie DECIMATED my wallet overnight. The type of decimation that you really never expect to see, especially since I was scheduled to fly to Chicago for the Fourth. <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmlsIvgzZTpjUM_H9XEXl3H3QdwyNGLQlsyahdEO58nmKpls7VfgXGLV0-Y3rjHOHf1VdyQRekT0w_It0NCOPSCeREpCq7MFZTdnbXjivjbhXz7BwLzXAjAZQDK_ahZ1VaXjYNcv97xP9G/s1600/Decimated+License.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmlsIvgzZTpjUM_H9XEXl3H3QdwyNGLQlsyahdEO58nmKpls7VfgXGLV0-Y3rjHOHf1VdyQRekT0w_It0NCOPSCeREpCq7MFZTdnbXjivjbhXz7BwLzXAjAZQDK_ahZ1VaXjYNcv97xP9G/s320/Decimated+License.jpg" width="240" /></a></div>
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This may be a problem...</div>
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So yeah this is what it looks like when your dog gets a hold of your ID and decided to take it for a spin. Clearly she did me a favor though by leaving me all the pertinent information needed to show who I was. Luckily I had my passport and could use that at the airport, but this is a bit inconvenient. So what other fun things did she decimate? Funny you should ask that as this was the Sunday that would keep on giving, without further ado I give you the shit that broke on me on Sunday photo!</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgehe_HbupZg5auMDlWQl8vkssIVC0LYIyn4c_Qe8s1D9RIIqdAA51WBUS_o6ug3PvtxXEcaRjayh89PxEc9q3WMrL78gxNWafNDky7yhCgWn3Z3ZEhJ1Ufo6rHRVv0qNvPCmJ2upCLL3Wq/s1600/Decimated+stuff.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgehe_HbupZg5auMDlWQl8vkssIVC0LYIyn4c_Qe8s1D9RIIqdAA51WBUS_o6ug3PvtxXEcaRjayh89PxEc9q3WMrL78gxNWafNDky7yhCgWn3Z3ZEhJ1Ufo6rHRVv0qNvPCmJ2upCLL3Wq/s320/Decimated+stuff.jpg" width="320" /></a></div>
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So what do we have going on here? Well the brown is clearly my wallet or at least what's left of it. I believe that this clearly is the definition of demolished. My license has clearly seen better days as did my Costco card, but here's where the rest of the day got really fun. See that white cord that is supposed to charge my phone and that little silver thing just in front of it? Yeah that's the lightning connector that got stuck in my phone. No big deal $30 to fix it and charge my phone right? Well I went out and bought myself a brand new shiny white cord and find that my phone isn't charging, glorious... So far it's turning into what looks to be a pretty rough Sunday, but what else can go wrong? Well as it turns out it wasn't over.</div>
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Inside the Apple store I was actually lucky enough to walk in and get a genius appointment forty minutes after my arrival. Anyone who's lives near a normal Apple store knows that this was likely a stroke of luck on a weekend in a busy city as these stores are packed during this time frame. This was when I quickly discovered that the off brand cable I had been using to charge my phone has fried my phone when it broke and I needed a new phone. Epic...just what I wanted to do with my hard earned money. It was then I found out that I couldn't actually purchase a phone at Apple anymore as they can't do contract upgrades. Thank you ATT, love your dividend, dislike your upgrade policy. I thought luckily there is an authorized dealer in the mall so this should be an easy experience and I can get my phone and move on pretty quickly. Well, as it turns out, you can't renew your contract with an authorized dealer, you actually have to go through their next program. Ridiculous that this is the practice they have, but the day gets even better.</div>
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So off I went to leave the mall and find a new iphone for myself which should have been a relatively painless experience. But with the way this day is going let's be honest, it's not going to be that simple. This is where the little piece of paper comes in on the table in the picture. Yes if you can read it you read it right. Someone hit my car while in the mall, but at least they left a note. At this point I'm starting to wonder who I pissed off and what I can do to right the cosmos as this is quickly becoming borderline absurd. So off I went and finally got a competent individual who I was able to purchase a phone from and go on my merry way. </div>
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At this point I'm driving home and am talking to my parents and received some other fun news. We use the same accountant to file our taxes and being that I'm in the process of moving to a new state I have them as the contact address for any mail I receive. As it turns out my accountant checked the wrong box and deferred my refund to 2016, awesome $3000 dollars that I was expecting to invest gone with the flick of the wrist. Time to go home and board up the windows and doors and pretend that the world doesn't exist.</div>
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So why do I outline what a ridiculously horrible day? Am I looking for a pity party? Am I just venting? Do I really just want someone to tell me it will all be ok? The answer to all of these is a resounding no. The reason I write this tale is to tell you to remember what's important in the scheme of things. Do you think I yelled at or spanked my do? Absolutely not, she's going to break something at some point, it was an accident, and it wasn't like it was malicious. Stuff happens, it's important to remember that. I ended up taking Monday off to recollect and decompress from a terrible day. Coming into the office the next day I wasn't pissed off or angry, but when telling people why I wasn't there the day before was a story of insanity and ridiculousness in a you aren't going to believe it kind of way. Finding a way to laugh at it because you legitimately can't believe that much stuff can happen in one day is important. Will this one day derail my long term plans at financial independence? Nope, it may slow me down this year, but it's a blip in the radar and it's what emergency funds are for. How about you all, how do you recover from those horrible, terrible, no good days?</div>
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Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-59745844516388693252015-07-07T13:11:00.000-07:002015-07-08T08:27:00.168-07:00Driptasic JuneOnce I buy a stock I tend to set it on auto pilot to drip the dividends back into the stock. DRIPing is the automatic reinvestment of dividends into the stock paying the dividends and is free at most investment accounts. This allows the dividends to work harder for me the next time they come around and really works to highlight compounting over time with you initial investment. I like to look at VWLEX as my baseline:<br />
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<b>Stock Purchase Date Share Price Shares Total Cost</b><br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"VWLEX"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">VWLEX</td><td data-sheets-numberformat="[null,5]" data-sheets-value="[null,3,null,39517]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">3/10/2008</td><td data-sheets-value="[null,3,null,30.6]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">30.6</td><td data-sheets-value="[null,3,null,326.797]" style="background-color: white; border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; color: #222222; font-size: 90%; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">326.797</td><td data-sheets-formula="=R[0]C[-2]*R[0]C[-1]" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,9999.988200000002]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">9999.9882</td></tr>
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Current</div>
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<b>Stock Current Price Shares Values</b></div>
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<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"VWLEX"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">VWLEX</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00",1]" data-sheets-value="[null,3,null,38.96]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">$38.96</td><td data-sheets-value="[null,3,null,445.98]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">445.98</td><td data-sheets-formula="=R[0]C[-2]*R[0]C[-1]" data-sheets-numberformat="[null,4,"\"$\"#,##0.00",1]" data-sheets-value="[null,3,null,17375.380800000003]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">$17,375.38</td></tr>
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So what was the reinvested amount you ask? It turns out that almost half of my gain the this mutual fund is directly from reinvested dividends. The total market cost of my position is now $13,725.56, meaning that #3,757.57 have been reinvested and helped to almost double my returns. Keep in mind I bought this at the beginning of 2008 so the worst was yet to come in the markets, but this highlights long term compounding and how DRIP can be one of your best friends.</div>
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Driptastic results in Juse as follows:</div>
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<b><u>Roth</u></b></div>
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Bought 0.66 O @ 45.2191</div>
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Bought 1.174 LINE @ 10.259</div>
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Bought 2.729 VWLEX @ 39.47</div>
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Bought 0.576 VIV @ 13.8073</div>
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Bought 0.873 VIV @ 13.8073</div>
<div>
Bought 0.998 VIV @ 13.8073</div>
<div>
Bought 1.771 VIV @ 13.8073</div>
<div>
Bought 3.304 BAC @ 16.9848</div>
<div>
Bought 0.304 XLF @ 24.4015</div>
<div>
<br /></div>
<div>
<b><u>IRA</u></b></div>
<div>
Bought 7.122 LNCO @ 10.2487</div>
<div>
Bought 2.223 BP @ 42.6498</div>
<div>
Bought 0.028 RDS.A @ 62.434</div>
<div>
Bought 2.348 RDS.A @ 62.434</div>
<div>
Bought 0.402 AIG @ 62.7432</div>
<div>
<br /></div>
<div>
Investment</div>
<div>
Bought 1.221 BBEP @ 5.4038</div>
<div>
Bought 0.946 VNR @ 15.0982</div>
<div>
Bought 0.443 RIG @ 17.074</div>
<div>
Bought 0.54 XLU @ 41.4746</div>
<div>
<br /></div>
<div>
So how about you, do you DRIP or not? Please share your experiences and why you do what you do.</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-67226697856065069662015-07-06T10:26:00.001-07:002015-07-06T10:32:43.322-07:00June 2015 Dividend Wrap UpThis is the first post I've had that highlights my journey and I'm excited that I am starting to really get the ball rolling on seeing how my dividends are starting to do the lifting for my portfolio. June is an interesting month for me as it was one that really looked strong last year, but by comparison 2015 saw a reduction in my dividend appreciation. This will also hold true in September as there were a few things that changed on me with my holdings. This will highlight an important lesson as investing in stocks that are perceived high quality, with management confirming that they maintain the distribution and changing their stance, and making sure that you understand investment risks is imperative to your long term success. So first I'll start out with the results per account.<br />
<br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"Duncan1811"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">Roth IRA</td><td data-sheets-value="[null,2,"Duncan401roll"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">IRA</td><td data-sheets-value="[null,2,"illini2003"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">Investments</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"January"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">January</td><td data-sheets-value="[null,3,null,39.87]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">39.87</td><td data-sheets-value="[null,3,null,121.93]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">121.93</td><td data-sheets-value="[null,3,null,172.97]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">172.97</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,334.77]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">334.77</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"February"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">February</td><td data-sheets-value="[null,3,null,265.53]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">265.53</td><td data-sheets-value="[null,3,null,105.44]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">105.44</td><td data-sheets-value="[null,3,null,110.36]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">110.36</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,481.33]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">481.33</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"March"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">March</td><td data-sheets-value="[null,3,null,205.87]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">205.87</td><td data-sheets-value="[null,3,null,430.79]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">430.79</td><td data-sheets-value="[null,3,null,82.56]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">82.56</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,719.22]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">719.22</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"April"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">April</td><td data-sheets-value="[null,3,null,41.46]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">41.46</td><td data-sheets-value="[null,3,null,124.5]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">124.5</td><td data-sheets-value="[null,3,null,159.04]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">159.04</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,325]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">325</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"May"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">May</td><td data-sheets-value="[null,3,null,287.29]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">287.29</td><td data-sheets-value="[null,3,null,118.82]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">118.82</td><td data-sheets-value="[null,3,null,95.75]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">95.75</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,501.86]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">501.86</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"June"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">June</td><td data-sheets-value="[null,3,null,270.12]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">270.12</td><td data-sheets-value="[null,3,null,341.4]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">341.4</td><td data-sheets-value="[null,3,null,50.83]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">50.83</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,662.35]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">662.35</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"July"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">July</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"August"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">August</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"September"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">September</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"October"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">October</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"November"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">November</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"December"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">December</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td></tr>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,1110.1399999999999]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">1110.14</td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,1242.88]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">1242.88</td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,671.51]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">671.51</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,3024.5299999999997]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">3024.53</td></tr>
</tbody></table>
<br />
<div>
A pretty descent month overall as I topped $660 in passive income which is pretty outstanding in and by itself. So let's take a look at it in comparison to last year by account.<br />
<br />
My Roth IRA produced $270.12 in dividend income, up from $180.88 which results in a <b><span style="color: lime;">49.33657673595755%</span></b> increase (yes oddly specific I know. However this highlights the improvement year over year and an almost 50% increase in dividend income is amazing. This truly shows how compounding really helps.<br />
<br />
My Investments account income was $50.83, up from $36 which results in an increase of <b><span style="color: lime;">41.194444444444436%</span></b>. What this doesn't show is that the $36 that was income last year at this time was all from Seadrill (<a href="http://www.seadrill.com/investor-relations/faqs.aspx" target="_blank">SDRL</a>) and they have eliminated their dividend with the price of oil plummeting. So this is actually 100% new dividend capital that came in in 2015. Pretty fantastic overall.<br />
<br />
This brings me to my IRA, this one is the only account that had negative growth in the month, but that can also be attributed to Seadrill. The account produced $341.40 in income, down from $634.03 last year. This resulted in a decrease of <span style="color: red;"><b>46.15396747787%</b></span> which really hurts from an income perspective. This is a hard lesson that the market teaches us on occasion, even when we don't want to be taught. Seadrill is one of the world leaders in deep sea drilling and provided a generous $4.00 per share annual dividend. The company committed to keeping the dividend intact while oil plummeted until they decided not to and surprised the market with the cut. Obviously this really shocked the market and made the stock take a dive. This is a good lesson though as we as investors tend to listen to the leadership of a company and look to them for guidance. While I saw deteriorating results, I went against my gut and stood by the company as they "committed" to maintaining their payout. Not only was this a false pretense, but they axed the dividend completely. As I owned over 200 shares of the company, this resulted in a very negative downside surprise for me come dividend time this year.<br />
<br />
Overall my dividend income fell by <span style="color: red; font-weight: bold;">22.1598053848233% </span>this month and was down $188.56, but it's not as bad as it seems as my VIG shares did not pay out in June like they typically do. This adds about another $100 to the total so excluding my dividend elimination from SDRL the account grew in payout quite nicely.</div>
<div>
<br /></div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com4tag:blogger.com,1999:blog-7590869490152606233.post-8338305240666071002015-06-30T13:18:00.000-07:002015-06-30T13:18:28.880-07:00Meet TallieSo on this journey I wanted to introduce you to my copilot. Tallie is my six month old black lab rescue, she may be a bit of a mix, that will help me with some of my future posts. She's incredibly good for a six month old puppy and really hasn't destroyed anything besides her own bedding. She's incredibly smart and a ball of energy that I really can't seem to ever wear out. You'd think two hours at the dog park playing fetch, wrestling with other dogs, and just all in all running around would make her tired. You are very wrong.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3DXFmIxcDoHmSoQVwJ7roXY6OAd08GQF2Ee7EdID16HWPUiXHDPuqEZ4gwKE_lgCSGazi7KgkXSdODAQLGd_hlzYXcNMGZwSYDbjK0rUXaVmO0Fk8CjyAglm7xqX-8Swqgh0oXi2N7xeJ/s1600/IMG_1705.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3DXFmIxcDoHmSoQVwJ7roXY6OAd08GQF2Ee7EdID16HWPUiXHDPuqEZ4gwKE_lgCSGazi7KgkXSdODAQLGd_hlzYXcNMGZwSYDbjK0rUXaVmO0Fk8CjyAglm7xqX-8Swqgh0oXi2N7xeJ/s320/IMG_1705.JPG" width="240" /></a></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGOQ-fU3I9yvdmVIXMZXpIUk5xeKUhhWC5PJp9WgZQvpgpFbyroh3aW3rmJWhpu9qYQUMMWJp3prLVT5nmoY4Kjs8C1UK1i7WNDQVeYCdcaS2XHfbB0-CsubSrERVAvaMuGNW4c-VIi5PB/s1600/IMG_1748.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGOQ-fU3I9yvdmVIXMZXpIUk5xeKUhhWC5PJp9WgZQvpgpFbyroh3aW3rmJWhpu9qYQUMMWJp3prLVT5nmoY4Kjs8C1UK1i7WNDQVeYCdcaS2XHfbB0-CsubSrERVAvaMuGNW4c-VIi5PB/s320/IMG_1748.JPG" width="240" /></a></div>
So why do I include Tallie in my dividend blog? We all know that this is a journey as we work towards financial independence and while we strive to save every dime, nickel, and penny we can you need to remember that there are things worth spending money on, that also give you incredible satisfaction because of they unrequited love and affection. Tallie is someone who I gladly spend a few extra bucks a month on because she brings my life great joy and entertainment. She also does a fantastic job by giving me free entertainment by going to the park and helping me stay healthy by exercising while there. I get to enjoy nature when I take walks with her and meet new friends because dog lovers have a special bond and are always willing to talk to fellow dog owners.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJcb3j53wLgJIctTXhyFTzPdFaiu8MF3EQZr0ZVs2R4GeBX07fQc4v0g6JNwc1FVO8y4PhuTzF4S2x5o7BYfDwV0FIOVTNMmPVabz_mvqcgM-mVcMVUYCbk1PdwvtLwICA7qEFP3HdxZ29/s1600/IMG_1750.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJcb3j53wLgJIctTXhyFTzPdFaiu8MF3EQZr0ZVs2R4GeBX07fQc4v0g6JNwc1FVO8y4PhuTzF4S2x5o7BYfDwV0FIOVTNMmPVabz_mvqcgM-mVcMVUYCbk1PdwvtLwICA7qEFP3HdxZ29/s320/IMG_1750.jpg" width="240" /></a></div>
<br />
<br />
Try to remember that as you follow whatever path you are on, there are some reasons you should deviate from it to enjoy life just a little bit more. Sometimes the simplest companions can bring the biggest joys.<br />
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Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com3tag:blogger.com,1999:blog-7590869490152606233.post-30519564656803121862015-06-29T11:27:00.001-07:002015-06-29T11:28:13.572-07:00Lifehack Protip - RazorbladesOk let's face it, razors are incredibly expensive and you need to replace them way too often. I'd go out on a limb and say that razors are one of the most expensive toiletry item that a guy (or gal) needs. The average pack of blades from Gillette is approaching $19, I chose Gillette as they are the number one brand in the US with almost 80% of the market share. That and the fact that my personal preference is the Mach 3. I know it always irks me when I need to buy new blades and the amount of work it takes to actually get someone to open the cabinet so I can actually buy them. Apparently I'm not the only one given the number of commercials I see these days mocking this practice. Of course, this is obviously the bi-product of a whole lot of people using their five fingered discount in the past. <br />
So how do you know when it is time to actually change your blade? Some people go by the moisture strip, others do it monthly, while still others just do it when they think they aren't getting as good a shave as they have in the past. Knowing that razor blades are expensive one must ask how long does a Mach 3 blade actually last? It turns out according to Gillette that it should be about five weeks. For those of us that use the moisture strip as the timetable to change blades we are likely seeing those blades go a whole lot faster than five weeks. So how can we extend the life of a razor to make sure that we aren't buying replacement blades a few times a year. After all this is a blog about frugality and making things last longer. <br />
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First and foremost, always dry your blades after you shower. Think about it, your face sure as heck isn't going to wear down a piece of sharp steel. Water degrades the quality of blades over time, causing them to start to rust and thus performing poorer. If you dry your blades you will drastically extend the life of your blade. To put this in perspective, I have a blade on my Mach 3 that is from 2014 and it is still going strong. I highly recommend that you dry you blades after every use. Some frugal extremists go as far as using a hair dryer after after shave. A little more work than I'm willin to put into it, but some people swear by it.<br />
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Now what happens when that blade is just starting to wear out a it more than drying it after each shave can combat? Try going against the razor on a pair of jeans. Over time your blades get micro bends and pits on themselves and jeans make a surprisingly good way to fix them. The denim will effectively fix these small imperfections and revert the blades back to where they should be. You can even knock out two birds with one stone by keeping some old denim as your drying cloth. What's important here is to go at least twenty times against the blades on a fairly regular basis. This will extend your blade life exponentially.<br />
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What tips do you have to make your razors last just a little longer?<br />
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and for those of us who remember SNL in the 90s, a fun little link to the <a href="https://www.youtube.com/watch?v=GjEKt5Izwbo" target="_blank">Gillette 3000!</a>Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com2tag:blogger.com,1999:blog-7590869490152606233.post-50679691533532593462015-06-27T12:03:00.001-07:002015-06-27T12:03:28.429-07:00New Addition<b><u>Company Overview</u></b><br /><br /><div>
I purchased 83 shares of <a href="http://www.omegahealthcare.com/CorporateProfile.aspx?iid=103065">Omega Healthcare Investors Inc</a>. (OHI) for $34.88 a share on June 25, 2015. OHI is a real estate investment trust that focuses on providing financing and capital to the long-term healthcare industry with a particular focus on skilled nursing facilities located in the United States. Founded in 1992 the company operates in 48 states with over 900 properties. Below is the three year tend for OHI:</div>
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<img height="320" src="http://www.omegahealthcare.com/Cache/irchart-103065-2dc856f9-6ff6-4184-8d51-e1a34a4ab50a.jpg" width="320" /></div>
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Company Overview</div>
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OHI is likely not a name many have heard of, but that are the largest skilled nursing facility REIT in the industry. In the last ten years the company has improved their revenue by almost $400 million dollars, but the share count has also increased from approximately 52 million to 127 million shares. This gives a compounded annual growth rate of 7.73% which has allowed them to increase their dividend by almost 11% on a annual basis. This purchase gives me a yield of 6.2% and will add $179.28 to my yearly income. This does not account for the shares that I will get through DRIPing the funds back into the stock. </div>
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There is some confusion which I believe is putting this stock on sale as many believed there was a dividend cut as they paid out a lower amount that normal, but made it up over the next month. This is explained best by the company website which states:</div>
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<a href="http://www.omegahealthcare.com/GenPage.aspx?IID=103065&GKP=1073750298" target="_blank">"<span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 17px; text-align: justify;">We are currently updating our dividend chart and table to accurately reflect our recent quarterly dividend payments. In 1Q 2015, we paid a dividend of $0.53 per share on February 17 (for November, December and January), and in 2Q 2015, we will pay a total dividend of $0.54 per share, paid in two separate installments of $0.36 (for February and March) paid on April 7, and $0.18 (for April) to be paid on May 15. The two part payment of our 2Q dividend was a result of our acquisition of Aviv REIT via merger, which closed on April 1, 2015. In the future, our dividends will continue to be paid quarterly."</span></a></div>
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<b><u>Conclusion</u></b></div>
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OHI is in a field that will likely grow for years to come with our aging US population and one which will require more real estate to treat these patients. OHI is the largest player in this field currently and will likely continue to benefit from this position going forward. Additionally, I believe that the threat of a FED rate hike is putting unwarranted downword pressure on the stock price as any increase in rates will be slow and deliberate which makes a great than 6% yield in a stable company extremely enticing.</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com2tag:blogger.com,1999:blog-7590869490152606233.post-66689154765452355672015-06-25T13:18:00.000-07:002015-06-25T13:18:14.509-07:002014 Dividend StreamIn 2014 my dividends resulted in over $6000 in passive income. That's fantastic! I have three dividend accounts a Roth, Rollover 401k, and my investment account. I am actively pushing more money into investments as it is the account that will allow me to retire earlier and live off the passive income stream. As of now it is the account that is doing the least lifting.<br />
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<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"Duncan1811"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">Duncan Roth</td><td data-sheets-value="[null,2,"Duncan401roll"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">Duncan IRA</td><td data-sheets-value="[null,2,"illini2003"]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">Investments</td><td style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; border-top: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"January"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">January</td><td data-sheets-value="[null,3,null,69.27]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">69.27</td><td data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td><td data-sheets-value="[null,3,null,110.04]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">110.04</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,179.31]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">179.31</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"February"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">February</td><td data-sheets-value="[null,3,null,187.06]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">187.06</td><td data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td><td data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,187.06]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">187.06</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"March"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">March</td><td data-sheets-value="[null,3,null,200.75]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">200.75</td><td data-sheets-value="[null,3,null,65.8]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">65.8</td><td data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,266.55]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">266.55</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"April"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">April</td><td data-sheets-value="[null,3,null,122.28]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">122.28</td><td data-sheets-value="[null,3,null,96.64]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">96.64</td><td data-sheets-value="[null,3,null,175.42]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">175.42</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,394.34000000000003]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">394.34</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"May"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">May</td><td data-sheets-value="[null,3,null,314.714]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">314.714</td><td data-sheets-value="[null,3,null,98.98]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">98.98</td><td data-sheets-value="[null,3,null,0]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">0</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,413.694]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">413.694</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"June"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">June</td><td data-sheets-value="[null,3,null,180.88]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">180.88</td><td data-sheets-value="[null,3,null,634.03]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">634.03</td><td data-sheets-value="[null,3,null,36]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">36</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,850.91]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">850.91</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"July"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">July</td><td data-sheets-formula="=11.12+5.94+25.56+27.57+25.15" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,95.34]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">95.34</td><td data-sheets-value="[null,3,null,99.12]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">99.12</td><td data-sheets-value="[null,3,null,145.35]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">145.35</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,339.81]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">339.81</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"August"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">August</td><td data-sheets-value="[null,3,null,170.22]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">170.22</td><td data-sheets-value="[null,3,null,136.91]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">136.91</td><td data-sheets-value="[null,3,null,10.8]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">10.8</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,317.93]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">317.93</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"September"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">September</td><td data-sheets-value="[null,3,null,251.16]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">251.16</td><td data-sheets-value="[null,3,null,640.69]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">640.69</td><td data-sheets-value="[null,3,null,58.04]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">58.04</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,949.89]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">949.89</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"October"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">October</td><td data-sheets-value="[null,3,null,88.15]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">88.15</td><td data-sheets-value="[null,3,null,153.51]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">153.51</td><td data-sheets-value="[null,3,null,132.56]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">132.56</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,374.22]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">374.22</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"November"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">November</td><td data-sheets-value="[null,3,null,353.1036]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">353.1036</td><td data-sheets-value="[null,3,null,138.01]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">138.01</td><td data-sheets-value="[null,3,null,11.95]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">11.95</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,503.06359999999995]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">503.0636</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"December"]" style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;">December</td><td data-sheets-value="[null,3,null,962.5]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">962.5</td><td data-sheets-value="[null,3,null,458.1]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">458.1</td><td data-sheets-value="[null,3,null,71.8]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">71.8</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,1492.3999999999999]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">1492.4</td></tr>
<tr style="height: 21px;"><td style="border-bottom: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,2995.4276]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">2995.4276</td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,2521.79]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">2521.79</td><td data-sheets-formula="=SUM(R[-12]C[0]:R[-1]C[0])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,751.96]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">751.96</td><td data-sheets-formula="=SUM(R[0]C[-3]:R[0]C[-1])" data-sheets-numberformat="[null,0]" data-sheets-value="[null,3,null,6269.1776]" style="border-bottom: 1px solid #000000; border-right: 1px solid #000000; padding: 2px 3px 2px 3px; text-align: right; vertical-align: bottom;">6269.1776</td></tr>
</tbody></table>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com0tag:blogger.com,1999:blog-7590869490152606233.post-42944878277559452202015-06-25T13:00:00.003-07:002015-07-08T08:28:08.077-07:00Current PositionsMy portfolio currently consists of the following companies and the month that they will declare their dividends. (Note ARCP is still pending the release of their new dividend and I will update accordingly.)<br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid rgb(204, 204, 204); font-family: arial, sans, sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"January"]" style="background-color: #cfcfcf; border: 1px solid rgb(0, 0, 0); font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">January</td><td data-sheets-value="[null,2,"February"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">February</td><td data-sheets-value="[null,2,"March"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">March</td><td data-sheets-value="[null,2,"April"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">April</td><td data-sheets-value="[null,2,"May"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">May</td><td data-sheets-value="[null,2,"June"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">June</td><td data-sheets-value="[null,2,"July"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">July</td><td data-sheets-value="[null,2,"August"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">August</td><td data-sheets-value="[null,2,"September"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">September</td><td data-sheets-value="[null,2,"October"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">October</td><td data-sheets-value="[null,2,"November"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">November</td><td data-sheets-value="[null,2,"December"]" style="background-color: #cfcfcf; border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(0, 0, 0); border-top-style: solid; border-top-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">December</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"AAL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAL</td><td data-sheets-value="[null,2,"AIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AIG</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"AAL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAL</td><td data-sheets-value="[null,2,"AIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AIG</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"AAL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAL</td><td data-sheets-value="[null,2,"AIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AIG</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"AAL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAL</td><td data-sheets-value="[null,2,"AIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AIG</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"BAX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAX</td><td data-sheets-value="[null,2,"AAPL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAPL</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAX</td><td data-sheets-value="[null,2,"AAPL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAPL</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAX</td><td data-sheets-value="[null,2,"AAPL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAPL</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAX</td><td data-sheets-value="[null,2,"AAPL"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">AAPL</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAC</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAC</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAC</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"ARCP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">ARCP</td><td data-sheets-value="[null,2,"BAC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BAC</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"GE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">GE</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"GE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">GE</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"GE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">GE</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"GE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">GE</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td><td data-sheets-value="[null,2,"BBEP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BBEP</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"KRFT"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KRFT</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"KRFT"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KRFT</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"KRFT"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KRFT</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"KRFT"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KRFT</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td><td data-sheets-value="[null,2,"BP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">BP</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"C"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">C</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"C"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">C</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"C"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">C</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"C"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">C</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"KMI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KMI</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"KMI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KMI</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"KMI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KMI</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"KMI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">KMI</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"MDLZ"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MDLZ</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MDLZ"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MDLZ</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MDLZ"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MDLZ</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MDLZ"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MDLZ</td><td data-sheets-value="[null,2,"LINE"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LINE</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"MO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"RIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RIG</td><td data-sheets-value="[null,2,"MO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"RIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RIG</td><td data-sheets-value="[null,2,"MO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"RIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RIG</td><td data-sheets-value="[null,2,"MO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MO</td><td data-sheets-value="[null,2,"LNCO"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">LNCO</td><td data-sheets-value="[null,2,"RIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RIG</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MEMP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MEMP</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MEMP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MEMP</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MEMP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MEMP</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"MEMP"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">MEMP</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"OHI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">OHI</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"VIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VIG</td><td data-sheets-value="[null,2,"OHI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">OHI</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"VIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VIG</td><td data-sheets-value="[null,2,"OHI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">OHI</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"VIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VIG</td><td data-sheets-value="[null,2,"OHI"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">OHI</td><td data-sheets-value="[null,2,"O"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">O</td><td data-sheets-value="[null,2,"VIG"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VIG</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"PM"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">PM</td><td data-sheets-value="[null,2,"RDS.B/RDS.A"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RDS.B/RDS.A</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"PM"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">PM</td><td data-sheets-value="[null,2,"RDS.B/RDS.A"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RDS.B/RDS.A</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"PM"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">PM</td><td data-sheets-value="[null,2,"RDS.B/RDS.A"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RDS.B/RDS.A</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"PM"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">PM</td><td data-sheets-value="[null,2,"RDS.B/RDS.A"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">RDS.B/RDS.A</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"T"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">T</td><td data-sheets-value="[null,2,"VWLEX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VWLEX</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"T"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">T</td><td data-sheets-value="[null,2,"VWLEX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VWLEX</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"T"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">T</td><td data-sheets-value="[null,2,"VWLEX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VWLEX</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"T"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">T</td><td data-sheets-value="[null,2,"VWLEX"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VWLEX</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"XLF"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLF</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"WPC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">WPC</td><td data-sheets-value="[null,2,"XLF"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLF</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"WPC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">WPC</td><td data-sheets-value="[null,2,"XLF"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLF</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"WPC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">WPC</td><td data-sheets-value="[null,2,"XLF"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLF</td><td data-sheets-value="[null,2,"VNR"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">VNR</td><td data-sheets-value="[null,2,"WPC"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">WPC</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"XLU"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-left-color: rgb(0, 0, 0); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLU</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"XLU"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLU</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"XLU"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLU</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"XLU"]" style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; font-weight: bold; padding: 2px 3px; text-align: center; vertical-align: bottom;">XLU</td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td><td style="border-bottom-color: rgb(0, 0, 0); border-bottom-style: solid; border-bottom-width: 1px; border-right-color: rgb(0, 0, 0); border-right-style: solid; border-right-width: 1px; padding: 2px 3px; vertical-align: bottom;"></td></tr>
</tbody></table>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com1tag:blogger.com,1999:blog-7590869490152606233.post-77792068297899639202015-06-25T12:52:00.003-07:002015-07-08T08:27:56.528-07:00About Me<div class="article-header" style="background-color: white; display: table; font-family: 'Helvetica Neue Light', HelveticaNeue-Light, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; margin: 0px; outline: none; padding: 0px; text-align: center; width: 750px;">
<h1 class="title entry-title" itemprop="name" style="color: #333333; display: table-cell; font-size: 20px; font-weight: normal; margin: 0px; padding: 0px 40px 0px 0px; position: relative; text-align: center; vertical-align: middle; width: 709px;">
<a data-id="5364150501255975397" data-item-type="post" href="http://passiveincomesamurai.blogspot.com/2015/06/about-me.html" itemprop="url" rel="bookmark" style="-webkit-transition: color 0.3s; color: #333333; outline: none; text-decoration: none; transition: color 0.3s;">About Me</a><br /><br /><span class="blog-admin" style="display: inline;"><a class="edit" href="http://www.blogger.com/post-edit.g?blogID=5729560211692695332&postID=5364150501255975397&from=pencil" style="-webkit-transition: color 0.3s; background-image: url(data:image/png; background-position: 50% 50%; background-repeat: no-repeat; color: #333333; cursor: pointer; display: inline-block; height: 21px; opacity: 0.8; outline: none; position: relative; text-decoration: none; top: 3px; transition: color 0.3s; width: 21px;" target="_self" title="Edit"></a></span></h1>
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<div class="article-content entry-content" itemprop="articleBody" style="background-color: white; clear: both; color: #333333; font-family: 'Helvetica Neue Light', HelveticaNeue-Light, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 1.4; margin: 10px auto 5px; outline: none; padding: 0px; text-align: justify;">
Welcome to my first post that will dive into the world of dividends and passive income. For those of you who come from the world wide web and have found my happy little corner I appreciate you stopping by. To those who are the inspiration and have who are on your own journey and documented it so well, I thank you for helping propel me in the right direction. I have always invested, but not nearly with the focus that dividend growth investing has provided. As a result I made some questionable investing decisions back in the day and learned some valuable investing lessons. Bought and sold WAAAAY too early (Apple at $38...) check, bought and watched one go to zero (PACT), yep did that too, but overall over time my investing style has gravitated unknowingly towards dividends and the passive income the provide. I have realized that really the important thing is a constant cash stream and not chasing returns on something that doesn't pay you to own it.<br />
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First a little bit about me, I'm 34 years old and have been an avid saver for life. Born and raised in Chicago, attended the University of Illinois to get my degree in business management, and off into the work world I went. I spent time immediately after graduation running a McDonald's, which game me perspective on how to run a three million dollar business and a new perspective on the "would you like fries with that" world. I was lucky enough to actually go to<a href="http://www.aboutmcdonalds.com/mcd/corporate_careers/training_and_development/hamburger_university.html" style="-webkit-transition: color 0.3s; color: #009eb8; display: inline; outline: none; text-decoration: none; transition: color 0.3s;" target="_blank">Hamburger University</a> to learn about the ins and out for running a fast food business, Yes I graduated from this prestigious program...with honors! From there I transitioned into insurance and have worked at a couple different companies which has given me the privilege of meeting some wonderful people and given me stories that defined the ridiculousness of humanity. Currently I live in Phoenix with my pup Tallie who is five months of awesomeness with an insane amount of energy and character. The one thing that I have learned is that while saving money is great and having high quality assets that pay you to own them is fantastic, what truly matters is life experiences and the joy we can derive from them. Never do I want to look in the mirror and say I was so frugal that I didn't enjoy my time here on god's green Earth. I also am happy to splurge on a high quality to if see fit.<br />
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I realized in late 2011 that I needed to start making some changes. I was contributing 7% of my gross salary to my 401k and watching it slowly increase. I also was contributing the $5000 a year max to my Roth IRA, but the gains were slow and I realized that at the current rate I would be working forever. Slowly I started to transfer funds out of my mutual funds and bonds and into individual stocks. I also started a secondary brokerage account that allows me to invest in high quality companies that pay a steady dividend. I utilize a two tiered approach. First I look for high quality companies that pay a steady dividend and have a history of increasing them. Second I look for stocks that are hated to the point where they become very undervalued and ones that I know are too big to fail or go away. Ultimately my goal is for dividends to be able to pay for my day to day expenses and be able to work because I want to and not because I have to,<br />
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My investing philosophy is probably a bit more blended than other dividend growth investors as I focus on dividend growth as a large portion of my portfolio, but I am not afraid to leverage a bit more risk for some sizable gains as well. Thing Bank of American when it was trading under $6 a share. These calculated risks have payed off handsomely for me and have helped to boost total returns of my portfolio while still paying a dividend. Other wins have come from buying American Airlines when it was $6 a share and watched is transform into a dividend paying, low $40 a share stock. I find that while the dividends provide the backbone to my plan, a little more risk can have it's rewards.<br />
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So what do I want out of this blog? This is what will keep me honest, commemorate my progress, and show me how I am progressing against my goals. I want to show everyone that it can be done and that you don't need to have a crazy income to do it. Heck I worked at McDonald's and am being successful. Trust me the pay for the manager's is not that great either. What about you all? What do you want to see from this blog and what topics interest you? I look forward to continuing the journey with you all.</div>
Duncan's Dividendshttp://www.blogger.com/profile/09459824700149392365noreply@blogger.com1