Warren Buffet On Timing The Markets

I was watching a portion of the Berkshire Hathaway annual meeting this weekend and I thought I would share.

Warren Buffett doesn't try to time the stock market, although he does have entry points and price levels appropriate for individual shares. A majority of investors, however, do just the opposite, something that financial planners have always been warning them to avoid, and thus lose their hard-earned money in the process.

April 2018 Dividend Income

Hey everyone. It's past time for my April dividend update! In April I earned $533.96 which is a bit higher than normal because of some stock that slipped into April. Also in April I purchased another 43 shares of PPL and I actually just purchased another round this week. PPL shares have slid recently and even after a strong earnings report this week it suffered a bit (were seeing a lot of that in the markets). I think were close to a bottom here so I thought it was a good chance to average down a bit. I'm just about break even now for that position.

I made one purchase in April and had no sales.

April Stock Purchases

• PPL Corp (PPL) - 43 Shares @ $27.95 - $1208.99

April Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.69
• Walmart  (WMT) - $45.24
• Pepsi (PEP) - $42.67
• New Jersey Resources (NJR) -  $97.01
• Coke (KO) - $23.79
• PPL Corp (PPL) - $20.50
• Travelers (TRV) - $8.64
• Universal Health Trust (UHT) - $33.25
• Powershares Muni Bond ETF (PZA) - $17.05
• Phillip Morris (PM) - $14.98
• Realty Income (O) - $8.50
• Altria (MO) - $81.37
• GlaxoSmithKline (GSK) - $50.18
• Cisco (CSCO) - $46.53
• Sysco (SYY) - $23.76
• Annaly Capital (NLY) - $16.80

Total Dividends April 2018: - $533.96
  
In the chart below you can see my dividend growth. Lets keep that moving average going up!

March 2018 Dividend Income

Hey everyone. It's past time for my March dividend update! This month I earned $385.26 which is a bit lower than last year and last quarter. This was due in large part because of the timing of several dividends slid into April probably due to good friday where the markets were closed. So next month will be an unusually large month as a result. 

There's some cheap stocks out there that I am eyeing for my next purchase. XOM, PPL, SO and JNJ are looking attractive here. What stocks are you interested in headed into April?

I made one purchase in March and had no sales.

March Stock Purchases

• PPL Corp (PPL) - 41 Shares @ $28.07 - $1158.03

March Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.37
• Southern Company  (SO) - $46.98
• Exxon (XOM) - $52.36
• Johnson & Johnson (JNJ) -  $51.24
• McDonalds (MCD) - $35.35
• Compass Minerals (CMP) - $39.60
• Flowers Foods (FLO) - $79.05
• Unilever (UL) - $24.93
• Powershares Muni Bond ETF (PZA) - $17.06
• Kraft/Heinz (KHC) - $26.88
• Realty Income (O) - $8.44

Total Dividends March 2018: - $385.26
  
In the chart below you can see my dividend growth. Lets keep that moving average going up!

February 2018 Dividend Income

Hey everyone. It's past time for my February dividend update! For the month I was able to earn $484.35 in dividend income! This is a healthy +51% YOY increase from the $319.44 earned in 2017 and a 19% QOQ increase. Needless to say I'm pretty happy with that growth.

It looks like the markets have settled down for the moment after a crazy ride of volatility in February. There are still some bargains out there, what stocks do you have on your radar? 

I made one purchase in February and had no sales.

February Stock Purchases

• Pepsi (PEP) - 10 Shares @ $112.06 - $1120.60

February Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.42
• Verizon  (VZ) - $61.36
• General Mills (GIS) - $76.93
• WGL Holdings (WGL) -  $38.76
• AT&T (T) - $129.00
• Clorox (CLX) - $15.96
• Proctor & Gamble (PG) - $33.10
• Abbott Labs (ABT) - $7.56
• Powershares Muni Bond ETF (PZA) - $16.73
• Peoples United Financial (PBCT) - $53.99
• Buckeye Partners (BPL) - $39.14
• Realty Income (O) - $8.40

Total Dividends February 2018: - $484.35
  
In the chart below you can see my dividend growth. Lets keep that moving average going up!

January 2018 Dividend Income

Sorry for the delay.  It's past time for my January dividend update! For the month I was able to earn $416.77 in dividend income! This is a healthy increase from the $336.41 a 24% increase in fact. That would be great to keep that growth up. What a crazy month in the markets we have so far in February as well. I see Walmart has taken a beating today down over 10%, I think the market was looking for a reason to dump WMT as it has been pretty over bought since this summers pump. If it keeps falling back to the $80's I may have to scoop up some shares.

I made two purchases in January and had no sales.

January Stock Purchases

• Buckeye Partners (BPL) - 31 Shares @ $51.30 - $1590
• PPL Corporation (PPL) - 50 Shares @ $31.74 - $1587

January Dividend Income 

• Vanguard Long-Term Bond ETF (BLV) - $3.61
• Walmart  (WMT) - $44.37
• New Jersey Resources (NJR) - $97.01
• Pepsi (PEP) -  $34.62
• Philip Morris (PM) - $14.98
• Glaxso Smith Kline (GSK) - $39.59
• Altria (MO) - $76.01
• Cisco (CSCO) - $40.89
• Powershares Muni Bond ETF (PZA) - $17.01
• Sysco (SYY) - $23.76
• Annaly Capital (NLY) - $16.80
• Realty Income (O) - $8.12

Total Dividends December 2017: - $416.77
  
In the chart below you can see my dividend growth. Lets keep that moving average going up!

December 2017 Dividend Update

Happy New Year! It's time for my December dividend update! For the month I was able to earn $441.06 in dividend income! What an awesome month, I was able to crush the $400 mark again and I'm looking forward to next month of monthly income!

I made one purchase for the month and had no sales.

December Stock Purchases

• PowerShares National AMT-Free MuniBd ETF (PZA) - 100 shares @ $25.58 = $2558

December Dividend Income 

• Vanguard Long-Term Bond ETF (BLV) - $3.47
• Southern Co  (SO) - $46.98
• Exxon (XOM) - $52.36
• Johnson & Johnson (JNJ) -  $51.24
• Unilever (UL) - $23.62
• Coca Cola (KO) - $22.57
• Compass Minerals (CMP) - $39.60
• McDonalds (MCD) - $35.35
• Powershares Muni Bond ETF (PZA) - $9.98
• Kraft/Heinz (KHC) - $26.88
• Flowers Foods (FLO) - $79.05
• Travelers (TRV) - $8.64
• Universal Health Trust (UHT) - $33.25
• Realty Income (O) - $8.07

Total Dividends December 2017: - $441.06
  
In the chart below you can see my dividend growth. Lets keep that moving average going up!

Hashflare Cloud Mining Update

It was just the other day I posted about what a great deal it was to start bitcoin mining at Hashflare but it looks like Hashflare realized this as well and has raised prices on all bitcoin mining contracts. So if you were lucky enough to join in before they raised prices today you're in luck. The mining contracts were so profitable that you would have met your ROI (return on investment) in about 55 days. Now with the price increase the ROI has moved to around 90 days time. Still fairly good but we'll have to see if they keep prices there. The last time Hashflare raised prices it didn't last long, customers weren't happy with the new price point so they lowered prices again. Well see what happens.

I Started Mining Bitcoins !

Hey guys I just wanted to update you on my foray into crypto. I have decided to dip my toes into the bitcoin cloud mining space. There are not a whole lot of choices out there to be honest. There are only a few big mining companies that are available to US residents and the largest and best one (Genesis Mining) is sold out of mining contracts. I did manage to purchase a Genesis mining contract a couple of weeks ago but that doesn't even begin mining till next spring! At the moment Hashflare is the one to choose!

Hashflare has 1 year mining contracts available and they are insanely profitable at the moment, you can make your ROI in about 70 days. Bitcoin has been on a tear and I expect that to continue which will only make these contracts all the more profitable. The video below shows how much you can earn with Hashflare but the real power comes with reinvesting your income generated which I have been doing.

I purchased 7 TH/s of mining power which cost me $1050 and in 4 days I already have over 7.5 Th/s through reinvesting. My plan is to reinvest for 180 days and then begin to take profits every other day. So after 180 days I will take my profits one day then the next I will reinvest and so on. That way I can realize profits and continue to grow my mining power at the same time.

Of course none of this is without risk, Bitcoin's price could retreat or collapse and I would lose money. That is a risk I am willing to take, and you should never risk more than you are willing to lose in the first place. Don't go crazy spending your mortgage money or taking out loans on this stuff.

Anyway if you would like to give Hashflare a try here is the link. - Visit Hashflare

November 2017 Dividend Update

It's time for my November dividend update! For the month I was able to earn $407.97 in dividend income! This month was a great month for me not only did I eclipse the $400 mark again but I am now at $443/mo average dividend income which I am very happy with!

In made one purchase for the month and had no sales.

November Stock Purchases

• AT&T(T) - 33 shares @ $34.15 = $1133.90

November Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.58
• WGL Holdings (WGL) - $38.76
• General Mills (GIS) - $65.17
• AT&T (T) -  $110.25
• Verizon (VZ) - $61.36
• Clorox (CLX) - $15.96
• Proctor & Gamble (PG) - $33.10
• Abbott Labs (ABT) - $7.16
• Powershares Muni Bond ETF (PZA) - $10.60
• People's United Financial (PBCT) - $53.99
• Realty Income (O) - $ 8.04

Total Dividends November 2017: - $407.97
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

October 2017 Dividend Update

It's time for my October dividend update! For the month I was able to earn $349.29 in dividend income! Quite a bit lower than last month but September is oneof my best months. Still a nice little improvment from last quarter where I earned $324.75 so I'm happy about that.

In made one purchase for the month and had no sales.

October Stock Purchases

• General Mills (GIS) - 25 shares @ $51.42 = $1,241.03

October Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.51
• Coca-Cola (KO) - $27.57
• New Jersey Resources (NJR) - $97.01
• Altria (MO) -  $75.24
• Philip Morris (PM) - $14.98
• Glaxo Smith Kline (GSK) - $38.58
• Cisco (CSCO) - $40.89
• Sysco (SYY) - $21.78
• Powershares Muni Bond ETF (PZA) - $9.92
• Annaly Capital Mgmt (NLY) - $16.80
• Realty Income (O) - $ 8.01

Total Dividends October 2017: - $349.29
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

Youtube Revenue

I also had a great month on Youtube where I have a few channels that I earn adsense revenue from. I was able to earn over $2800 for October which is close to my best month so far.

September 2017 Dividend Update

It's time for my September dividend update! For the month I was able to earn $573.56 in dividend income! This is my largest monthly dividend total! Very close to the $500 mark!

In made one purchase for the month and had no sales.

September Stock Purchases

• People's United Financial (PBCT) - 90 shares @ $16.85 = $1.523.45

September Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.61
• Walmart (WMT) - $44.37
• Southern Company (SO) - $46.98
• Unilever (UL) -  $23.18
• Exxon (XOM) - $52.36
• Johnson & Johnson (JNJ) - $51.24
• Compass Minerals (CMP) - $39.60
• Kraft / Heinz (KHC) - $26.88
• Flowers Foods (FLO) - $79.05
• McDonalds (MCD) - $ 32.90
• Powershares Muni Bond ETF (PZA) - $10.11
• Pepsi (PEP) - $34.62
• Universal Health Trust (UHT) - $33.00
• Travelers Insurance (TRV) - $8.64
• Realty Income (O) - $ 7.97

Total Dividends September 2017: - $494.51
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

August 2017 Dividend Update

It's time for my August dividend update! For the month of August I was able to earn $372.58 in dividend income.

In made one purchase for the month in Altria, I wish I would have waited a bit since it's even cheaper now. That's how the market works and that's why I'm not a trader. My timing is usually pretty crummy in the short term. Other than my one purchase I had a pretty quiet month but still managed to earn some steady income as you can see below.

August Stock Purchases

• Altria (MO) - 19 shares @ $65.71 = $1,255.44

August Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.51
• WGL Holdings (WGL) - $38.76
• Realty Income (O) - $7.94
• General Mills (GIS) -  $47.04
• Verizon (VZ) - $60.06
• AT&T (T) - $110.25
• Clorox (CLX) - $15.96
• Proctor & Gamble (PG) - $33.10
• Abbott Labs(ABT) - $7.16
• Peoples United Financial (PBCT) - $ 38.47
• Powershares Muni Bond ETF (PZA) - $10.33

Total Dividends August 2017: - $372.58
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

July 2017 Dividend Update

It's time for my July dividend update! For the month of July I was able to earn $324.75 in dividend income.

In July I sold my shares of Avista since it was being bought out by another company and it drastically shot up in price close to the actual buyout price. I nearly doubled my return on this investment and with the proceeds I bought a little more Southern Company to stay in the utility space, and with the rest I purchased more General Mills (GIS) as I think it has bottomed here and it's still a great company despite some growing pains.

July Stock Sales

• Avista (AVA) - 58 shares @ 52.15 = $3,017.68

July Stock Purchases

• General Mills (GIS) - 37 shares @ 54 = $2,004.95
• Southern Co. (SO) - 26 shares @ 47.00 = $1,228.95
• Southern Co. (SO) - 25 shares @ 47.43 = $1,192.70

July Dividend Income

• Vanguard Long-Term Bond ETF (BLV) - $3.40
• Annaly Capital (NLY) - $16.80
• Realty Income (O) - $7.91
• Coke (KO) -  $22.57
• Sysco (SYY) - $21.78
• Cisco (CSCO) - $40.89
• Glaxso Smith Kline (GSK) - $37.76
• Philip Morris (PM) - $14.56
• Altria (MO) - $57.95
• New Jersey Resources (NJR) - $ 90.78
• Powershares Muni Bond ETF (PZA) - $10.35

Total Dividends July 2017: - $324.75
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

Dividend Update - June 2017

It's time for my June dividend update! For the month of June I was able to earn $478.90 in dividend income. This is a YOY increase of nearly 19% which is great. Can't wait for next month!

In June I made one purchase and I made no sales. I also received 7 dividend raises!

June Stock Purchases

• Realty Income (O) - 19 shares @ 57.00 = $1083

June Dividend Increases

• Unilever (UL) - From .344 to .383 (+11.3%)
• Exxon (XOM) - From .75 to .77 (+2.6%)
• Johnson & Johnson (JNJ) - From .80 to .84 (+5%)
• Flowers Foods (FLO) - From .16 to .17 (+6.2%)
• Travelers (TRV) - From .67 to .72 (+7.4%)
• Pepsi (PEP) - From .753 to .805 (+5%)
• Universal Health Trust (UHT) - From .655 to .66 (+0.7%)

June Dividend Income

• Walmart (WMT) - $44.37
• Southern Co (SO) - $17.40
• Unilever (UL) - $21.44
• Exxon (XOM) - $52.36
• Vanguard Long-Term Bond ETF (BLV) - $3.54
• Johnson & Johnson (JNJ) - $51.24
• Avista (AVA) - $20.74
• Compass Minerals (CMP) - $39.60
• Realty Income (O) - $3.87
• Kraft/Heinz (KHC) - $25.80
• McDonalds (MCD) - $32.90
• Flowers Foods (FLO) - $79.05
• Travelers (TRV) - $8.64
• Pepsi (PEP) - $34.62
• Universal Health Trust (UHT) - $33.00
• Powershares Muni Bond ETF (PZA) - $10.33

Total Dividends June 2017: - $478.90
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

Dividend Update - May 2017

It's time for my May dividend update! For the month of May I was able to earn $366.90 in dividend income. This is a YOY increase of nearly 22% which I'm very happy with. Next month looks to be even better.

Last month I made one purchase and I made no sales. I also received 3 dividend raises.

May Stock Purchases

• Cisco (CSCO) - 31 shares @ $31.63 = $987.48

May Dividend Increases

• WGL Holdings (WGL) - From .488 to .51 (+4.5%)
• Proctor & Gamble (PG) - From .67 to .69 (+3%)
• Peoples United Financial (PBCT) -  From .17 to .173 (+1.7%)

May Dividend Income

• AT&T (T) - $110.25
• WGL Holdings - (WGL) - $38.76
• Verizon - (VZ) - $60.06
• General Mills - (GIS) - $46.08
• Clorox - (CLX) - $15.20
• Vanguard Long-Term Bond ETF (BLV) - $3.46
• Proctor & Gamble (PG) - $33.10
• Abbott Labs (ABT) - $7.16
• Peoples United Financial (PBCT) - $38.47
• Realty Income (O) - $3.85
• Powershares Muni Bond ETF (PZA) - $10.51

Total Dividends May 2017: - $366.90
 
In the chart below you can see my dividend growth. Lets keep that moving average going up!

Dividend Update - April 2017

It's time for my April dividend update! Looks like a another good month for me here as I managed to earn $362.72 in dividend income. This is a slight YOY decrease is mostly due to Kraft/Heinz paying in March instead of April this year.

Last month I made one purchase and I made no sales.

April Stock Purchases

• Compass Minerals (CMP) - 18 shares @ $67.3 = $1554.85

April Dividend Increases

• Walmart (WMT) - From .50 to .51 (+2%)
• Coca Cola (KO) - From .35 to .37 (+5.7%)
• Cisco (CSCO) -  From .26 to .29 (+11.5%)

April Dividend Income

• Walmart (WMT) - $44.37
• Coca Cola - (KO) - $22.57
• New Jersey Resources - (NJR) - $90.78
• Altria - (MO) - $57.95
• Philip Morris - (PM) - $14.56
• Vanguard Long-Term Bond ETF (BLV) - $3.50
• Glaxso Smith Kline (GSK) - $43.98
• Cisco (CSCO) - $31.90
• Realty Income (O) - $3.84
• Sysco (SYY) - $21.78
• Powershares Muni Bond ETF (PZA) - $10.69
• Annaly Capital (NLY) - $16.80

Total Dividends April 2017: - $362.72
 
In the chart below you can see my dividend growth. It looks like my quarterly moving average is finally starting to return to the upside again.

Dividend Update - March 2017

It's time for my March dividend update! Looks like a pretty solid month for me here as I managed to earn $392.61 in dividend income. This is a YOY increase of 35.6%! I'm pretty happy with that growth. The timing on my purchases and sells couldn't have been worse as they have all turned against me in the short term. Glad I'm not a trader!

Last month I made three purchases and I made one sale which I've listed below.

March Stock Sells

• Cullen & Frost (CFR) - 18 shares @ $84.21 = $1515.78

March Stock Purchases

• General Mills (GIS) - 18 shares @ $59.36 = $1075.43
• Southern Company (SO) - 30 shares @ $50.22 = $1513.55
• Cisco (CSCO) - 41 shares @ $34.40 = $1417.35

March Dividend Increases

• Compass Minerals (CMP) - From .695 to .72 (+3.5%)
• Avista (AVA) - From .343 to .358 (+4.3%)

March Dividend Income

• Exxon (XOM) - $51.00
• Johnson & Johnson - (JNJ) - $48.80
• Compass Minerals - (CMP) - $23.04
• McDonalds - (MCD) - $32.90
• Avista - (AVA) - $20.74
• Cullen/Frost Bank (CFR) - $9.72
• Unilever (UL) - $19.26
• Kraft/Heinz (KHC) - $25.80
• Flowers Foods (FLO) - $74.40
• Pepsi (PEP) - $32.36
• Powershares Muni Bond ETF (PZA) - $9.98
• Universal Health Trust (UHT) - $32.75
• Travelers (TRV) - $8.04
• Realty Income (O) - $3.82

Total Dividends March 2017: - $392.61
 

In the chart below you can see my dividend growth. It looks like my quarterly moving average is finally starting to return to the upside again.

Dividend Update - February 2017

It's time for my February dividend update! Actually I'm pretty late posting this as I've been lazy in my posting. Anyway my income for the month was $319.44, which is an increase of 10% over last quarter. That would be great if I could have that type of growth every quarter!

Last month I made two purchases and I made one sale which I've listed below.

February Stock Sells

• Tompkins Financial (TMP) - 45 shares @ $89.65 = $4026.16

February Stock Purchases

• Cisco (CSCO) - 32 shares @ $31.56 = $1017.92
• Verizon (VZ) - 81 shares @ $49.41 = $4010.21

February Dividend Increases

• AT&T (T) - From .48 to .49 (+2%)
• Abbott Labs (ABT) - From .26 to .265 (+2%)

February Dividend Income

• General Mills (GIS) - $37.44
• WGL Holdings (WGL) - $32.18
• AT&T (T) - $110.25
• Verizon (VZ) - $13.28
• Clorox (CLX) - $15.20
• Proctor & Gamble (PG) - $32.14
• Abbott Labs (ABT) - $7.16
• Tompkins Financial (TMP) - $20.25
• Peoples United Financial (PBCT) - $37.91
• Realty Income (O) - $16.80
• Powershares Muni Bond ETF (PZA) - $9.83

Total Dividends February 2017: - $319.44

In the chart below you can see my dividend growth, you will notice in the past 6 months my income has been reduced slightly, that was due to my sale of Realty Income. I used the proceeds to pay off my mortgage and I have now started to reinvest in Realty Income again (this time in a Roth IRA tax advantaged account ).

Recent Sell - Tompkins Financial (TMP)

Today was a rare day for me. I sold one of my positions completely. It's been a long time since I've sold one of my stocks and I don't plan on making a habit of this but when circumstances change so dramatically in such a short time I can't help but to evaluate and take action if I fell it is warranted.

This time around an old friend of mine in Tompkins Financial (TMP) was on the chopping block. Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York with banking branches across New York and Pennsylvania.

My decision to sell wasn't because of an accounting scandal or poor management. Quite the contrary and through no fault of their own TMP has simply become grossly overvalued.

 As you can see the stock has made quite a run in the last couple of years, nearly doubling since I purchased it in 2014. I kinda wish it had not made such a run so I could keep buying at a better yield, but now the yield is at 2% and the last dividend raise was a modest 2.3% raise when they typically raise 5% or so. TMP has very steadily growing earnings and even through the financial crisis earnings grew and the stock performed better than any other financial entity I can think of. That being said the valuation has grown far in excess of earnings growth and I am going to wait for the inevitable pullback before buying again.

With the funds from the sale I purchased 81 shares of Verizon (VZ) which offers a better yield and is a far better value at this time.

12 Undervalued Dividend Growth Stocks

I just wanted to share a nice roundup of attractive dividend growth stocks that Chuck Carnevale compiled over at Seeking Alpha. These are stocks which Chuck feels are technically undervalued currently and he gives his reasons in the video below. I had two of these on my radar for my next purchase.



Here is a quick chart with Chucks metrics.