tag:blogger.com,1999:blog-83767135952771644282024-03-13T12:19:21.429-07:00A Bright MillennialThe Bright Millennial seeks to attain a life of financial independence through a life of frugality and InvestmentDiv Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.comBlogger24125tag:blogger.com,1999:blog-8376713595277164428.post-5496078684735674802017-09-04T15:09:00.001-07:002017-09-04T15:09:55.964-07:00Dividend Kid is now A Bright Millennial - Under Construction<div class="separator" style="clear: both; text-align: left;">
<a href="https://4.bp.blogspot.com/-8ew_QOsgYk4/VW19ahXET5I/AAAAAAAAABc/N-Vdv2sEV-UBu6eXejviT39yPpa6p70QwCPcBGAYYCw/s1600/tool-384740_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="1280" height="266" src="https://4.bp.blogspot.com/-8ew_QOsgYk4/VW19ahXET5I/AAAAAAAAABc/N-Vdv2sEV-UBu6eXejviT39yPpa6p70QwCPcBGAYYCw/s400/tool-384740_1280.jpg" width="400" /></a> Please excuse our bytes while we make the transition from Dividend Kid to A Bright Millennial! We are very excited to announce that after many many months of inactivity Dividend Kid will now become A Bright Millennial. Not to worry though, It still is old DK behind the umm keyboard. That said, the content of this site and it's associated social media accounts will shift quite drastically. Dividend Kid was a great start but through my writing Div Kid I found my true passion lay not with dividends, but in personal finance as a whole. <a href="https://abrightmillennial.blogspot.com/2016/10/pf-focus-offer-negotiation-why-salary.html" target="_blank">Looking back some of my favorite posts alluded to this</a>. Moving forward ABM will be about personal finance from the perspective of the millennial. Educating the masses in early life personal finance is extremely valuable and I have found a love for doing just that. </div>
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Please stay tuned as ABM will soon become much more active than Div Kid ever was. </div>
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<span style="font-family: inherit;">Hold on to your butts... we are going places!</span></div>
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<span style="background-color: white; color: #1d2129;"><span style="font-family: inherit;">ABM is run by a bright millennial who thinks outside of the box. Interested in saving money when others spend it ABM has been investing for many years. As such, ABM wishes to use the experience gained to help others who want to increase their financial IQ</span></span></div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-56909177007601038432016-11-07T18:12:00.001-08:002016-11-07T18:12:37.981-08:00Dividend Kid Portfolio Update: October 2016<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-feJgdB2NgNg/WBzCTIKgvVI/AAAAAAAAAU8/QBvBrxYfDncX4taSEx_6Yh1UZzBkQLK4ACLcB/s1600/DSC_2641.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://3.bp.blogspot.com/-feJgdB2NgNg/WBzCTIKgvVI/AAAAAAAAAU8/QBvBrxYfDncX4taSEx_6Yh1UZzBkQLK4ACLcB/s320/DSC_2641.jpg" width="320" /></a></div>
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October is over and a new month is upon us. Outside of investing many exciting things are going on in my life. Right now, I am writing this post from a hotel room in downtown Chicago! Mrs. Dividend Kid is interviewing at Loyola Medical school tomorrow and we decided to experience the city for the weekend. With that the number of jobs I have applied for in Chicago has increased dramatically. United Airlines, Northrup Grumman, Abbot Labs, and quite a few more are all in my sights. The opportunity to live in the same city as my significant other and work for a fortune 500 company checks nearly all the boxes for me! Chicago is a new, exciting, and expensive place, but we look forward to the possibility of experiencing life in this city. </div>
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With October over and my <a href="http://dividendkid.blogspot.com/2016/11/recent-buys-october.html" target="_blank">October purchases post</a> out it only makes sense to post my full portfolio update as well! Posting overviews of my monthly purchases and portfolio updates are very important to me. It keeps me on track and forces me to back up everything I say with everything I do. These days it is too easy to preach one thing and practice another, I refuse to do that. </div>
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Without further delay, here is the October edition of the Dividend Kid portfolio...</div>
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As of October I have officially hit $400.00 in total accumulated dividends! This was a great line to cross and I look forward to my next $400.00 and my first 1000.00 even more!</div>
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In the month of October I received $24.00 in dividends which was a dramatic drop from Septembers all time high of $40.00. Octobers $24.00 does mark another interesting amount though. $24.00 is the largest non quarter end dividend payout I have ever received. As you can see by the sharp increase in the light grey area chart my dividend payouts should continue increasing as does the value of my portfolio!<br />
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These charts are all updated and included in <a href="http://dividendkid.blogspot.com/p/my-portfolio.html" target="_blank">my portfolio page</a>. If you liked this article make sure to let me know in the comments down below or give my blog page a follow! I love the dialogue I get with my readers and blog follows make sure you won't miss an update!</div>
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As you may have noticed I decided to change up my theme a little bit in this update. I feel like it gives me a little more of an identity and I hope you do too! </div>
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<i>How much in dividends did you make last month?</i></div>
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com4tag:blogger.com,1999:blog-8376713595277164428.post-80889418434761630912016-11-03T19:11:00.001-07:002016-11-03T19:11:57.590-07:00Recent Buys: October<div class="separator" style="clear: both; text-align: center;">
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October is over and the typically volatile month saw a near 2% market sell off. This has provided some great value in the way of high quality, dividend paying companies. Even though the S&P 500 is trading at a P/E of 24.29 there are plenty of great companies that should be considered 'on sale'. </div>
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Putting money to work each month is very important. No matter the state of the market making purchases instead of timing the market has been proven to be better in the long run. This holds true more so when you start as early as I did! Many of my friends ask "Div Kid, when should I start investing?" and my answer is always the same. Yesterday. <a href="http://dividendkid.blogspot.com/2015/06/personal-post-1-millennials-most.html" target="_blank">Starting your investing journey early is the best thing you can do for your future self</a>. I always like to post my monthly purchases as it keeps me on track and keeps me accountable. Last month I put my advice into practice once again and made some of my largest single purchases ever. With that I added to two of my larger positions in an effort to build A. Bigger positions in two of my favorite stocks right now and B. Average down on some initial positions I had made a few months back.<br />
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My purchases for October 2016 are as follows...<br />
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These purchases represent a total securities value of $2023.91 at the time of purchase. This is again one of my largest months in pure purchase value ever <a href="http://dividendkid.blogspot.com/2016/10/recent-buy-september.html" target="_blank">following only September</a>! I love being able to deploy capital this way even when I don't currently have an income. With me being in college I love that I have decided to save more money than I spend. My ability to save when I do have an income allows me to make great purchases that will continue paying me back. Looking at the companies I purchased in October I see many great names for current income. I don't typically make purchases based on what I think my portfolio needs, rather I try to buy what is on sale. Averaged across the number of shares for each purchase, the yield of these purchases comes to 4.14%! This is a 10.49% increase in average yield from last month and is at the upper limit of what I want to be buying right now. These purchases will add an additional $20.59 per quarter and all things being the same, $82.34 per year! I love seeing increases like this. It lets me know that I am taking the right steps in my journey!<br />
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I look forward to more of the same in November!<br />
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-3964931894919287062016-10-23T15:03:00.000-07:002016-10-23T15:03:12.404-07:00PF Focus: Offer Negotiation - Why Salary Isn't Everything<div style="text-align: center;">
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My last first semester of my undergraduate degree is coming to a close. With that, my schools career week has also come to pass. After the Supply Chain Management specific career fair I was invited to interview with a few fantastic companies including Dell and Exxon Mobile! I felt that those interviews went very well, though unfortunately I am no longer being recruited by Dell. Since then I have also been invited to interview at Lockheed Martin and General Dynamics! In other news, my lovely girl friend was recently extended two medical school interviews! It has been an extremely long and trying process for her and I can't wait to see where her path leads. The future is looking very bright in terms of my career and our future, for that I am truly excited.<br />
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All of these thoughts of interviews, jobs and life after college really got me thinking. Of all the things you leave college with, a degree (hopefully), friends, and new experiences, the most important and vital to your success is a job.<br />
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The Income Jump</h2>
Getting a job is what college is all about. You can learn all you want but if you can't put your new found knowledge to work in some way Ill say it was all for not. If you are a business student like myself then you know how important leaving school WITH a job is. I would be willing to argue that the months immediately following your graduation is when you are the most valuable. Most graduates have never seen the amount of money they will be offered per year at their first job, and companies know this. As a college student it is very easy to get excited about $40,000, $50,000 or $60,000+ per year, especially when so many have student debt. These are income levels many older adults I know have, and because of this many students don't think to negotiate or think they shouldn't. But thats what the company wants you to think and thats exactly why you MUST negotiate.<br />
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The Offer</h2>
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You just got out of class and you are headed back home to eat lunch (<a href="http://dividendkid.blogspot.com/2015/06/spend-meaningful-money.html" target="_blank">because you spend meaningful money and don't eat out that often</a>). Your phone rings and it's the HR person you talked to from (company you have applied to). He or she will ask you how you have been and then talk about how impressed they were with your profile after the interview. They have decided to offer you the position! Your heart is racing and all you can think about is how nice it will be to have a real job! The HR rep will describe the offer going over most of the benefits and a few key points and at the end he or she will ask something along the lines of "What do you think?". THIS IS IT. This is where so many people get it wrong. If you hear the offer from the HR representative and you say "Sounds great, when do I start..." you have just lost all negotiation power as you have implicitly accepted the offer. If you hear the offer from the HR representative and you say "Sounds great, but I really think a salary of $65,000 instead of $60,000 would make it easier for me to accept the offer." you have also lost. Now the HR rep knows that all it will take to get you is an extra $5,000. Which for you might be all you want, buy you have just left thousands and thousands of dollars on the table. </div>
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Negotiate Everything</h2>
Maybe you think that salary is the only thing you should negotiate, or maybe you think salary is the most important thing you should negotiate. Well you would be wrong on both accounts. Aside from salary things you should and can negotiate are; a signing bonus, time off (sick days, Paid time off, and vacation time), relocation and moving expenses, flexible work hours/location, Health care, tuition reimbursement or professional development, stock options, Company phone, car, computer and more. Many of the things you can negotiate might not add a lot of money but many add a lot of value. Getting more vacation time won't get you paid, but it will allow you have a better work life balance. Consider the intangibles as they are often times just as valuable as the tangibles when starting your young career. The best part about all of this is you hold all the cards. The company has offered you, they want you and now it is your turn to see how much badly. You need to negotiate because they expected but also because you are worth it.<br />
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Conclusion</h2>
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I know this article doesn't have much to do with dividend investing but it does have a lot to do with investing in yourself. Learning how to negotiate is an immeasurably valuable skill to have and will pay dividends in it's own right. </div>
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This article was more personal finance based and I think it is valuable to discuss personal finance topics. Its never to early and never to late to learn more about personal finance and I think I will be adding a PF focused article in once or twice a month. As always if you have read this far please make sure to let me know what you think in the comment section. If you really enjoy my content make sure you stay up to date with me on <a href="https://twitter.com/DividendKid" target="_blank">twitter</a> and <a href="https://www.facebook.com/DividendKid/" target="_blank">Facebook</a>!</div>
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-35805139447828385622016-10-20T18:25:00.001-07:002016-10-20T18:25:22.594-07:00Dividend Analysis: VF Corporation - VFC<div style="text-align: center;">
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I tend to stay up to date with multiple DGI blogs these days. While I don't typically comment as much as I can or should (I'm working on that) I love reading what the community and its members have to contribute each month. Some of my favorite posts each month are the recent<span style="font-family: Times, Times New Roman, serif;"> purchases posts. Seeing what everyone has bought and their reasoning behind it is always so exciting. As a student pursing a Busin</span>ess Data Analytics certificate alongside my Supply Chain Management degree, seeing the technical analysis that goes into every purchase tells me that my certificate will not go unused. <br /></div>
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Furthermore, I have been able to utilize my skills with Microsoft Excel to create some very useful and pretty dang cool charts, graphs, and metrics analysis. I believe as a business student that being able to use Excel effectively is something that will be very beneficial for me moving forward. If you haven't already, I suggest looking into some free online Excel courses, even just to brush up. It seems everyday there is more data and more decisions to be made, all of which can be made easier with Excel.</div>
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Introduction</h2>
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This month, I have decided to do my very first dividend analysis on the VF Corporation. <a href="http://ir.vfc.com/company-information">Per their website</a>, "<i>Organized in 1899, VF Corporation is a global leader in branded lifestyle apparel, footwear and accessories, global iconic brands, 62,000 associates and $12.4 billion in revenue. VF’s businesses and brands are organized into four categories called coalitions, consisting of: Outdoor & Action Sports, Jeanswear, Imagewear and Sportswear. While VF is highly diversified across brands, products, distribution channels and geographies, our One VF culture and approach to doing business provide a unique and powerful competitive advantage.</i>" VFC has within its portfolio many brands I am sure are familiar to you: Jan Sport, Lee, Nautica, Reef, The North Face, Timberland, and last but maybe most notable, Van's. As someone who has only been around for 22 years, I can't say that I can grasp the idea of a company being around for more than 5x my lifespan. What I can grasp is the brands VFC holds. I've worn, or used more than a few of the brands listed above and it never occurred to me that they were all held by a single entity. Seeing the diversity of the brands gives VFC an early check mark from me as I typically like to see diverse, and established product lines in business in this sector.</div>
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General Information</h2>
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I'd like to provide some general information about VFC before moving forward. The information to follow is what I will have used in the dividend analysis to follow. All information gathered from <a href="http://www.gurufocus.com/">www.gurufocus.com</a> on 10/19/16. </div>
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Price: $54.62 P/E ttm: 21.57 Forward P/E: 14.93 Current Yield: 2.71% Payout Ratio: 52%</div>
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Chowder: 19.91% Continuous Div. Raises Since: 1985 Annual Payout: $1.43</div>
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SWOT Analysis</h2>
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In my research I like to look at not only the company, but the market, the industry and several other factors as a whole to form an opinion. Utilizing a SWOT Analysis can help achieve a better overall picture of the forces in play here.</div>
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<b>Strengths</b></div>
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<b> </b>- 58,000+ employees as of 2013</div>
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- Strong brand portfolio filled with multiple house hold names</div>
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- 79 outlet stores across 31 states</div>
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<b> </b> - Global competition limits market share growth</div>
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- Less penetration into global markets</div>
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<b> </b> - Increase direct to consumer sales to reduce wholesaler dependance and increase margin</div>
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- Increase E-commerce presence to match consumer trends</div>
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- Increasing raw materials costs</div>
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Div Analysis</h2>
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Onto the part we've all been waiting for. I decided to focus on 14 key metrics that I deemed of the upmost importance when considering a potential purchase. Below you will find my overview chart listing these key metrics, my acceptance criteria.</div>
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As you can see, according to the trailing twelve month P/E of 21.57 I am considering VFC over valued when compared against it's 10yr P/E average. In a similar manner, when comparing VFC's current P/E against it's 5yr P/E average I consider VFC Fairly Valued. Looking at the Forward P/E of VFC I believe better buying opportunities will present themselves. </div>
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Continuing on to EPS growth over the last 10 years I feel that 9.84% is pretty respectable. This EPS growth has led to over double the EPS VFC had in 2006. More recently EPS growth has slowed. This is not represented by the 5yr Earnings Growth Avg. as most of the recent downward movement has been within the last 3 years including the past 4 quarters.</div>
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When deciding if a dividend is healthy and being increased in response to business growth my favorite metrics are: 10yr dividend growth, 5yr dividend growth, current yield, payout ratio, chowder, and years of continuous increases. In these aspects VFC is a winner, the 11.25% 10yr dividend growth average shows a continued commitment to returning larger amounts of cash to the shareholders and I like that. With a payout ratio below 65% and a current coverage ratio of 2.2 I think this dividend is more than sustainable.</div>
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Conclusion</h2>
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I like VFC and I think many of my fellow DGI bloggers do as well. The EPS has taken a small hit recently but this is providing us with the possible buying opportunity I am evaluating. With VFC's Dividend growth increasing, payout ratio under control, and P/E approaching fairly or under valued I am looking to start a position in VFC here pretty soon. A few percentage point drops in price and you will be seeing VFC in my recent purchases post.</div>
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I hope you enjoyed my first real dividend analysis! Please, I repeat, please do not hesitate to tell me if you think I overlooked or miscalculated something. I put a lot of effort into the analysis and would love to hear some feedback both positive and constructive!</div>
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<i>Do you currently hold VFC?</i></div>
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<i>Are you looking to add VFC any time soon?</i></div>
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com3tag:blogger.com,1999:blog-8376713595277164428.post-72331088749503691132016-10-15T13:08:00.002-07:002016-10-15T13:34:57.680-07:00Dividend Kid Portfolio Update: September 2016<div class="separator" style="clear: both; text-align: left;">
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<a href="https://2.bp.blogspot.com/-O70YQ2EGmDI/WAHW0QWwaSI/AAAAAAAAASQ/sL0Zcjlx1IUF91EXP4G5nK2LjxpFQDJnACEw/s1600/DSC_2781.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://2.bp.blogspot.com/-O70YQ2EGmDI/WAHW0QWwaSI/AAAAAAAAASQ/sL0Zcjlx1IUF91EXP4G5nK2LjxpFQDJnACEw/s320/DSC_2781.jpg" width="320" /></a>Another month has passed us by and I have some exciting updates to share. My portfolio has increased by 105% year over year and 19% month over month. Looking back on my journey so far I feel I have made serious progress towards building a sound and diversified portfolio. In the last 20 months I have also accumulated $375 in dividend income. This is outstanding and now that the monthly income is starting to add up I can truly appreciate the power of dividends. As I once learned the power of compound interest the power of strong and stable dividends is just as powerful. I look forward to what this month holds as I have already made the two largest single purchases of equity in my portfolio's history!<br />
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I would also like to mention that the thumbnail photo for this post is a photograph from yours truly. I have spoke in the past <a href="http://dividendkid.blogspot.com/2015/06/spend-meaningful-money.html" target="_blank">here</a>, about spending meaningful money. As photography has always been a passion of mine I decided about a year ago to buy an extremely high quality, professional camera. This camera has not only led to me spending more quality time with friends and family outdoors, but will one day turn into a meaningful side hustle. Photography is a passion I can continue pursuing after I achieve financial independence for fun and income. Look for a post about side hustles and their value in the coming days!<br />
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Here are my updated portfolio charts, metrics and a few other interesting measurable's for September of 2016. These charts and graphs are now reflected in the 'My Portfolio' page.</div>
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com5tag:blogger.com,1999:blog-8376713595277164428.post-47393509278083809162016-10-12T08:00:00.000-07:002016-10-12T19:17:36.778-07:00Recent Buy: September<div style="text-align: center;">
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<a href="https://4.bp.blogspot.com/-O6ki0Gj0ZQs/VYDU6ehac7I/AAAAAAAAAKc/ozGv5UPpus4rgZZAcqsKA1GPexnCYTP8wCPcB/s1600/buy-686337_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="244" src="https://4.bp.blogspot.com/-O6ki0Gj0ZQs/VYDU6ehac7I/AAAAAAAAAKc/ozGv5UPpus4rgZZAcqsKA1GPexnCYTP8wCPcB/s320/buy-686337_1280.jpg" width="320" /></a></div>
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Each month I make it a point to deploy new money into my investment accounts. Updating my readers about purchases, considerations, and general activity is not only valuable content, but it keeps me accountable. As long as I can move up and to the right, I know I will achieve my goals. Buying stock in companies that pay sustainable and increasing dividends will one day cover my living expenses. This will make retiring at 30, 35, or 40 much easier to achieve. </div>
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At the young age of 22 I feel like I am right where I want to be financially. I have no student loans thanks to my scholarships and the planning my parents. I have a ROTH IRA, Trad IRA, Personal investment account and the financial literacy of someone much older than myself. I am very fortunate to be where I am and am truly excited to see what the future holds. </div>
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With out further delay, lets go over my acquisitions in the month of September. As I don't currently have a steady stream of income I have been adding to a few older positions and taking advantage undervalued companies as they come. </div>
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<b>Bold</b> denotes a new position*</div>
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<b>Flowers Foods Inc: FLO </b>Shares Bought: 24 Average Price: $15.13</div>
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AT&T: T Shares Bought: 5 Average Price: $39.60</div>
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Coca Cola Company: KO Shares Bought: 5 Average Price: $42.36</div>
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Emerson Electric: EMR Shares Bought: 2 Average Price: $50.60</div>
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T Rowe Price Group Inc: TROW Shares Bought: 4 Average Price: $66.81</div>
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<b>The Travelers Companies Inc: TRV </b>Shares Bought: 1 Average Price: $114.24</div>
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Wells Fargo & Co: WFC Shares Bought: 4 Average Price: $45.42</div>
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<b>Cardinal Health Inc: CAH </b>Shares Bought: 5 Average Price: $76.74</div>
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<b>Aflac Inc: AFL </b>Shares Bought: 3 Average Price: $71.87</div>
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Target Corp: TGT Shares Bought: 2 Average Price: $67.32</div>
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These purchases represent a total increase in securities value of about $2171. Not only is this a significant amount of purchases, it is the largest month of acquisitions I have ever had. Multiplied across the number of shares these acquisitions have an average yield total of 3.75%. This is right where I want to be when purchasing high quality companies especially when the yield ranges from 2.31% - 4.91%. A yield range such as that shows that not only am I buying companies that are providing current income, but companies with the ability to continually increase distributions as well. This is very important for someone starting out on their journey. Often times beginners can be reeled in by high single digit or even double digit yields while they represent significant risk. Finally, these purchases equate to an increase of $17.60 in quarterly dividend income. This is what I am most excited about. Continuing to increase my quarterly dividend income is what this is all about. I look forward to the opportunity to deploy more capital in the month of October and hope you do too!</div>
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<i>Have you added any similar positions to your own portfolio recently?</i></div>
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com8tag:blogger.com,1999:blog-8376713595277164428.post-76938681480800605822016-10-07T08:00:00.000-07:002016-10-09T14:42:49.409-07:00Taking Steps In The Right Direction<div style="text-align: center;">
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Like I mentioned in my <a href="http://dividendkid.blogspot.com/2016/09/life-love-and-pursuit-of-dividends.html" target="_blank">previous post</a> I spent this summer in Omaha Nebraska working for Union Pacific Rail Road. Not only was this a great time for me to learn more about my career field but I also learned many things relevant to investing. Union Pacific liked to talk about moving up and to the right. They used this to talk about charts comparing cost avoidance and customer satisfaction. The goal of this chart was to show an increase in cost avoidance over the year, while increasing the supplier customer satisfaction. Up and to the right can be used in many areas and after looking at my portfolio I decided to create my own up and to the right graph. My graph compares total portfolio value and dividends received. I think for someone starting their journey like me seeing these two lines on the same graph is very important. Without further delay here is my up and to the right graph.</div>
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As you can see this shows my portfolio value and dividends received moving up and to the right. Not only are my portfolio value and dividends received increasing, but they are still increasing and should always increase. This graph is something I want to continue utilizing so I have added it to <a href="http://dividendkid.blogspot.com/p/my-portfolio.html" target="_blank">My Portfolio</a> page as well.</div>
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I look forward to exiting college with no student debt and continuing on this journey towards financial freedom.</div>
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<i>Do you have any goals you can measure looking up and to the right?</i></div>
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<i>If you graphed these values would your graph look like mine?</i></div>
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<i>Have you learned anything from your career you can apply to investing?</i></div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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_____</div>
Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com1tag:blogger.com,1999:blog-8376713595277164428.post-45247391905583591092016-09-30T19:33:00.001-07:002016-09-30T19:33:54.310-07:00Life, Love, and The Pursuit of Dividends<div style="text-align: center;">
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As Promised I will be slowly but surely making my return to blogging about my DGI journey! Things have been more than exciting for me as of late. This summer I completed my internship at Union Pacific Railroad. It was an absolute blast to have the opportunity to work at such a great company. It was very interesting being a shareholder for nearly 1 year before working at UP. Being a share hold was actually something I brought up in my interview!</div>
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More recently, I started the fall semester of my senior year at Arizona State University! I look forward to graduating with my degree in Supply Chain Management and going to work for a great company very soon. So far I have applied at Honeywell, Lockheed Martin, 3M, General Dynamics, Exxon, Dell, Rolls Royce, Intel, Raytheon and a few others. I am blessed to have the opportunity to work at these companies and come out of school with a degree in a top ranked program. </div>
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As far as investing goes, things have never been better. my portfolio has increased significantly since the last time I wrote here. I do<span style="background-color: white;">n't necessarily ha</span>ve a steady stream of income as a student. Saving money from my internship and consistently moving money from my savings (not my emergency fund) has allowed me to deploy capital in meaningful ways. Ive begun to go through and update my excel sheets and other tools I used to track my portfolio and am excited to show you those in the coming days!<br />
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As for now I hope you are sticking with your journey and achieving your goals!<br />
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<i>What do you do when you find it hard to keep writing?</i><br />
<i>Do you have a plan for a sudden reduction in income?</i><br />
<i>Where are you at with your current goals?</i><br />
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I am a 22 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-19306543556092548942016-08-28T13:17:00.000-07:002016-08-28T13:17:15.405-07:00The Swing Of Things<div class="separator" style="clear: both; text-align: center;">
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I used to write this blog near weekly and it saddens me that this is the firs post I will have published in about a year. I look forward of getting back in the swing of things and writing post for anyone interested in reading them.<br />
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As it is, I have updated the About page of this blog to reflect my new privacy policy as well as my portfolio page.<br />
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<br />Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com1tag:blogger.com,1999:blog-8376713595277164428.post-80639094624889245232015-10-30T12:32:00.001-07:002015-10-30T12:32:42.977-07:00Portfolio Update<div class="" style="clear: both; text-align: left;">
<a href="http://2.bp.blogspot.com/-jDYdgAySE5I/VjPEdylfGUI/AAAAAAAAAPE/3MYQb0Vq1iA/s1600/portfolio-385530_1920.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-jDYdgAySE5I/VjPEdylfGUI/AAAAAAAAAPE/3MYQb0Vq1iA/s320/portfolio-385530_1920.jpg" width="320" /></a>As I am getting back into the swing of things I decided to update the Div Kid portfolio. <a href="http://dividendkid.blogspot.com/p/my-portfolio.html" target="_blank">Check out the new info</a>! Im glad Im able to get back to writing to you all. I find it relaxing to sit down and go over my finances. How many people can say the same?</div>
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Look for more updates soon!</div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-669341469398705462015-10-18T18:05:00.000-07:002015-10-18T18:05:05.805-07:00Life. School. Action.<div style="text-align: left;">
<a href="http://2.bp.blogspot.com/-Aht14R3pPqk/ViQ67lHHWUI/AAAAAAAAAOg/nzjWkassKsc/s1600/film-145099_1280.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="263" src="http://2.bp.blogspot.com/-Aht14R3pPqk/ViQ67lHHWUI/AAAAAAAAAOg/nzjWkassKsc/s320/film-145099_1280.png" width="320" /></a>Back again. I have lots to say but I will be honest and say Im unsure how to say it. <a href="http://dividendkid.blogspot.com/2015/08/sometimes-life-happens.html" target="_blank">As I said in my last post</a> school has been more demanding than ever. On top of classes, summer internship interviews are underway as well. So far my interviewers have been; Rolls Royce, BHP Billiton, and Union Pacific Rail Road. Notice that some of these companies are even in my portfolio, talk about a good talking point. Interviews left are Boeing, and round two with Union Pacific! It goes without saying that I've had a lot going on. </div>
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These interviews keep me going. They show that the hard work is paying off. School leads to internships, internships lead to jobs. No matter what is taking place in life you need to keep your goals in sight. It is easier to get knocked off track when the going gets tough, but those are the times you need your goals most.</div>
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This post should act as my return to regular posts. I feel that I've got everything back under control and look forward to continuing my journey with all of you!</div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com5tag:blogger.com,1999:blog-8376713595277164428.post-38443793957256139582015-08-25T11:40:00.001-07:002015-08-25T11:40:41.488-07:00Sometimes Life Happens<div style="text-align: center;">
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When you are 21 years old, sometimes life happens. College happens, family emergencies happen, summer ends and then work plus 21 credits of school happen. Ive missed out on a few of my normal posts due to life happening in the last month or so. </div>
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No matter how tough it gets I know that it will always get better. I am so fortunate to have my friends and family with my. I am fortunately able to attend a great university and fortunate enough to be able to write this blog. So while yes an unexpected break took place please know that sooner than you expect Div Kid will be back to normal. I really just need to settle into my new schedule and get acclimated to college life again. Thank you for sticking with me and look for new updates this week on; July Incomes and Expenses, Personal post #3 and much more!</div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com3tag:blogger.com,1999:blog-8376713595277164428.post-17007765483418795002015-08-01T15:44:00.000-07:002015-08-01T15:44:54.274-07:00Recent Purchases: July<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-O6ki0Gj0ZQs/VYDU6ehac7I/AAAAAAAAAKc/5-bXTRx7A9o/s1600/buy-686337_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="245" src="http://3.bp.blogspot.com/-O6ki0Gj0ZQs/VYDU6ehac7I/AAAAAAAAAKc/5-bXTRx7A9o/s320/buy-686337_1280.jpg" width="320" /></a></div>
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With July having come and gone I can now tell you the ways I was able to deploy capital in order to create cash flow! Earlier in the month I showed you all my <a href="http://dividendkid.blogspot.com/2015/07/july-stock-watch-list.html" target="_blank">watch list</a> and in total I was able to deploy <b>$1309.69</b>! This is the first time I have tallied the total invested in a given month and I must say I am quite surprised. Unfortunately though this will not continue. </div>
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The last week in July was my last regular paycheck for the summer. I will have $0 in regular earned income until I return to school and when I return my income from my job as an RA should be minimal. Because of this I have now decided to consider a part time job for this coming semester. This would be a significant addition though as I already am taking 21 credits, have a part time job as an RA and enjoy being a normal college student every now and again. The possibility is there but more consideration is needed.</div>
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I have decided that due to the amount of transactions I make I will begin posting purchase updates at the end of each month rather than along the way. This will make updating you all easier for me and my updates will be (in my opinion) more worth while.</div>
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So here are the companies I purchased this July.</div>
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Mostly smaller purchases this month. I decided to mix in traditional DGI holdings with some other popularity plays. These positions are undoubtedly 'starters' as I would like to own more equity in many of these companies. My shares in V, KO and SBUX came during the epitome of Greek drama. My only issue is I wish I bough more shares!</div>
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What have you been buying lately?</div>
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Do we share any purchases?</div>
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Do you dollar cost average into your positions?</div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com1tag:blogger.com,1999:blog-8376713595277164428.post-48776876392951658262015-07-19T17:09:00.002-07:002015-08-01T12:33:13.467-07:00Personal Post #2: Why Do We Invest?<div style="text-align: center;">
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July. What a great month. Smack in the middle of an already killer summer for me. So far Div Kid's girl friend visited the great PNW, the 4th of July is always an exciting time and I decided to not study abroad (more on that later). Summer is ending for me though, as I am to report to school sooner than I would ever want. To take my mind off the thought of summers end I decided to pose a question to you all and I encourage you to leave a comment below so we can discuss this at length!</div>
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<i>Why do we invest? </i>While it may sound elitist to say investing is about money, it is about money. Money in, money out, cashflow, dividends, growth, financials, percentage points, ratios. All of it is tied to money. Does that mean we invest <i>just</i> to make or have more money than we did before? I would tend to argue against that. While we all have our own reasons. I would argue that we invest to some degree for Time. </div>
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Now I know what you are saying. "<a href="http://dividendkid.blogspot.com/2015/06/personal-post-1-millennials-most.html" target="_blank">The last personal post was about time</a>.. how can this one be about time?" </div>
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Well, to the astute observe I say yes. This post is about time, but regarding very different sense of the topic. While I cannot read minds and tell you why you invest exactly, I bet it is pretty similar to my reasons. You are most likely a Dividend Growth Investor and thats why you are reading this. Already we have a pretty large amount of things in common if the above is true. I can tell you why I invest, lets see if there are any similarities by the end of this shall we?</div>
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The most significant reason I invest is to create time. No Im not crazy, Im serious! Well, mostly. I can't create time, but I can invest with the goal of creating free time! Time away from work, time away from my commute, time with my family, time enjoying life. Someday I will be able to live off of the income that my investments provide. This will allow me to quit my day job (<a href="http://www.dividendmantra.com/2015/05/quitting-my-full-time-job-one-year-later/" target="_blank">such as Dividend Mantra</a>) and live my life how I see fit. Call me a nonconformist, but there is something quite attractive about waking up and deciding to do what I want to do for a living. All while companies like KO, PG, CVX pay for it! </div>
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In my adult life I want to, travel, build a car, photograph the world and dividend investing should allow me to do just that and more! In 20 years when I retire (all variables permitting) I will still be racking in the (pay)checks from my stock purchases years ago. This is what investing for free time looks like. You get to do what you want to do when you want to do it and no one can tell you otherwise. </div>
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Now it's not to say that investing in mutual funds or ETFs won't yield this same situation, but income producing assets are much more interesting to me. Why would I plant a tree, watch it grow, cut it down and sell the wood when I could just pick and sell the fruit? In the end the difference is retaining the tree (stock shares) and incurring less taxes! </div>
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Investing is something that I do because it will allow me to live the life everyone wants to live deep down. Make a commitment early and it's much less scary. I promise.</div>
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<i>See any similarities here between why we invest?</i></div>
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<i>Do you own any mutual funds or ETFs?</i></div>
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<i>If yes what is your ratio? Dividend stocks/Funds?</i></div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com1tag:blogger.com,1999:blog-8376713595277164428.post-53518311070800500712015-07-09T21:32:00.001-07:002015-08-01T12:32:21.779-07:00July Stock Watch List<div style="text-align: center;">
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It is again a new month, a new opportunity. Another chance to deploy my depreciating cash and exchange it for dividend growth stocks. Even though I have only been investing in dividend yielding companies since March, I am already seeing how powerful this investing strategy is. Not only have I collected $42.01 in dividends, but I collected this passive income simply by being a shareholder. I understand that this is just the beginning, but with the high quality companies I have chosen this number will only go up. </div>
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So with the passing of July 1st I started looking at companies I was interested in adding to my portfolio. Admittedly though this was set back a tad due to the 4th of July. Nevertheless my list this month is full of mostly undervalued and always popular companies. </div>
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This month I am going to really be looking for a little higher current yield as my purchases that ended June were a bit on the growth side of things (watch for an upcoming post on these purchases). Furthermore I am extra interested in the financial sector as my portfolio is still lacking in that area. </div>
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July Stock Watch List</div>
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<b>Bank of Nova Scotia </b></div>
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This is a company I initiated a small position in a while back. I currently own 2 shares of (BNS). Don't laugh, this position comprises 1% of my entire portfolio. With a current yield of 4.41% and a payout ratio of 47.5% BNS has that hard to find combo that we are all looking for. Great current yield and room to run. While admittedly the dividend growth rate is not fantastic. With 3 consecutive years of growth and a 4.6% growth rate BNS has some explaining to do but I am willing to give them a chance. </div>
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<b>Travelers Co.</b></div>
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(TRV) is pretty hot right now in the DGI community, and for good reason. Travelers has a current yield of 2.44% and a rock bottom payout ratio of 26.2%. 6 consecutive years of growth are backed up by an annualized 3 year dividend growth rate of 10.6%. A position in TRV would be the first insurance company in the Div Kid portfolio and a seemingly great place to start. </div>
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<b>Visa</b> </div>
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I may have missed the boar on the outstanding run the stock has had over the last year but I am still interested. My time horizon is 20 years and because of that I can afford to take a risk on a company like this. (V) is up over 25% year to date and is making a name for itself in the DGI community as a possible contender. Sporting a currently minuscule yield of .72% widespread adoption has yet to be seen. With 6 years of dividend yield growth it's safe to say V is certainly considering making a splash.<br />
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Other companies that do not currently fit my immediate interests but are up for consideration.<br />
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<b>SBUX</b><br />
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<b>ABC: </b>Bold denotes current holding<br />
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<i>What have you purchased recently?</i><br />
<i>Are any of my considerations on your list?</i><br />
<i>Any big updates with your portfolio or strategy?</i><br />
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-84173376950759430022015-07-06T12:35:00.000-07:002015-08-01T12:30:29.354-07:00Income and Expenses: June <div style="text-align: center;">
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The end of another glorious month has come and gone and I now have another opportunity to share with all of my readers how much money I have spent, saved, put to work, or squandered away. I find that this is a very valuable activity because not only do I pour over my financial statements for the month, but sharing my spending and saving habits keeps me accountable. This accountability is what I am really after. At my age I would say I am doing pretty well and for me that is an issue. It makes it easier to fall off of the path that I want to follow. I have extra money that I could spend in <a href="http://dividendkid.blogspot.com/2015/06/spend-meaningful-money.html" target="_blank">meaningless ways</a>. This month was a challenging one as I found myself picking between enjoying being a kid and planning for my financial future (more on that later).<br />
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This post will cover all cash flow from June 1 to June 30.<br />
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In the month of June I brought in $1,129. This is a 55% <i>decrease </i>in income <a href="http://dividendkid.blogspot.com/2015/06/income-and-expenses.html" target="_blank">compared to last months reporting</a>. If you remember correctly though, last month I reported having a large deposit from cash accrued while at school. Removing that outlier deposit (as I did last month to reach a more realistic savings rate) the difference in income month over month is a 182% increase! This is mainly attributed to an increase in the consistency of my temporary work assignments that I noted would be coming. </div>
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In addition to salary and savings account interest I had little income. The second largest source of income resulting in $370 of deposits comes from private sales of a few items such as an antique beer sign. Finally I received 9.02 in dividends from my ROTH IRA with Vanguard. I will update on my taxable portfolio dividends (which are growing!) soon.</div>
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Expenses</div>
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Here is the damage for the month. In June I spent $715 which is a 306% <i>increase </i>month over month. This is hard for me to write as I did get a bit off track this month in the spending. But I must add a bit of an asterisk on that number as my largest purchase wasn't even paid for until July. This month I decided to purchase an Xbox One. I know I know. I just wrote an article about spending meaningful money and not buying new fancy things such as this but there is a reason. I bought the new Xbox with the idea of selling my current Xbox and rolling that money into the new purchase with a little new money as well. In the end I found a good opportunity to upgrade and took it. I feel that in the end this will be meaningful money because I took the time to find a great deal and plan out the finances of the purchase. In the end I will only be paying $150 for the new system.<br />
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Aside from my $338 Xbox One, I spent money on mostly gas to get back and forth to work. Restaurants eating out with friends and entertainment. At first writing this article I felt guilty spending this much money. With my increased income and expenses my saved income rate this month is still 63%. This leaves me with an average saved income rate of 75% for the year. This is still encouraging and I am still on track in saving 70% of my income this year.<br />
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<i>What was your saved income rate this month?</i><br />
<i>Have you spent money on anything you regret recently?</i><br />
<i>What goals have you set recently?</i><br />
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<i><br /></i><br />
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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___</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com0tag:blogger.com,1999:blog-8376713595277164428.post-76160205757634902202015-06-27T16:22:00.000-07:002015-08-01T12:30:06.966-07:00Spend Meaningful Money<div style="text-align: center;">
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<a href="http://3.bp.blogspot.com/-cuxfObbPX1w/VYoHUpRaTqI/AAAAAAAAAKw/VXGE-Ej4IRI/s1600/register-810546_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="211" src="http://3.bp.blogspot.com/-cuxfObbPX1w/VYoHUpRaTqI/AAAAAAAAAKw/VXGE-Ej4IRI/s320/register-810546_1280.jpg" width="320" /></a>Recently I spent a decent amount of money on something that was not an income paying asset. Being home for the summer affords me a great opportunity to spend time with family and last Saturday I did just that. I have said before that instead of spending money on "things" it is important to spend money on experiences. To accrue experiences. This last weekend I made plans for me and my grandfather to visit <a href="https://www.americascarmuseum.org/visit/" target="_blank">LeMay, America's Car Museum</a> in Tacoma, WA. While I can't put a value on the time I get to spend with my family being frugal is still sensible. On the day I spent $71.00. That includes the price of admission, lunch and the completely necessary ride on the F1 racing simulator. Not only was this money well spent, I would do it again in a moments notice. </div>
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I skimp on "things" such as eating out for lunch, and buying unnecessary <i>stuff</i> to do exactly what me and my grandfather got to do. The money that I do spend is more often than not spent on things like this, and it truly makes me happy. I feel so guilty spending money that is not spent in a meaningful way. It is almost as if I am robbing my future self of a work free life. </div>
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I was in a similar situation just under a year ago. I came across a windfall of ~$1500 and had a multitude of ideas on how to spend the money but could not quite decide. After a few weeks, and many suggestions by friends, I decided to break from the norm and not go buy a new TV or game system. In the end I purchased a year long membership to the Arizona State University Men's Rowing Team and never looked back. I was even able to save a remaining $500! In exchange I competed in three states, six regattas, and gained a ton of exciting experiences. This situation was the definition of accruing experiences. Not only was I able to compete in a collegiate sport but I was able to participate in something I had never done or even considered doing. I now have wealth of team building, and competitive experiences that I would have never gained had I spend that $1000 on a new TV and video games.<br />
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I tend to be very frugal and when I buy food for lunch or a new iPod I have a seriously hard time pulling the trigger. When I buy an income yielding asset like <a href="http://dividendkid.blogspot.com/2015/06/recent-purchases.html" target="_blank">CVX and WMT stock</a>, it is much easier. I know that money will be returned to me and I will be rewarded. It is a much different transaction in the end.<br />
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The moral of the story here is, pay yourself first. Resist the urge to buy the hot new thing that everyone needs. Buy things that are meaningful to you, whether thats a plane ticket home to see family or admission to a car museum with grandpa. Spend meaningful money.</div>
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<i>Have you spent any meaninguful money recently?</i><br />
<i>What meaningless money could you cut back on spending?</i><br />
<i>Do you consider meaningful vs meaningless purchases? </i></div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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___</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com2tag:blogger.com,1999:blog-8376713595277164428.post-2526225365667754562015-06-16T20:10:00.003-07:002015-08-01T12:29:08.265-07:00Recent Purchases: June<div style="text-align: center;">
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This is the first of many posts in which I will outline my recent purchases in the stock market. Hopefully I can keep up with these as I tend to (due to available capital) buy shares in smaller quantities than most.</div>
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I like to think that it is not how much of what you buy, it is what you buy that matters in the end. <a href="http://www.dividendmantra.com/2015/06/waiting-for-a-correction-when-many-stocks-have-already-corrected/" target="_blank">Everyone is saying it</a>, the stock market right now is generally considered to be expensive. Either way it makes no difference. Finding high quality and consistent dividend payers (and growers) is possible. Furthermore, I find that I am continually adding to positions I already own. This is called <a href="http://www.passive-income-pursuit.com/2012/10/averaging-down-in-position.html" target="_blank">averaging down</a>. Because my positions in the stock market are small relative to what they will become I aim to average down when share prices drop from my purchase price around 6-10%. This is the case as long as nothing significant has caused a change in said share price. To over simplify it, if AAPL stock drops 5% over night for no reason one may consider adding to their position. In contrast though, if share price drops due to the discovered use of illegal child labor in production lines you may want to hold off. Each case will differ though so I suggest you evaluate averaging down for yourself.</div>
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On to the Purchases!</div>
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I recently added 1 share to my position in Chevron Corporation (<a href="https://www.google.com/finance?q=cvx&ei=eN2AVYmjK4ajiQLLlID4BA" target="_blank">CVX</a>) at the price of $99.55. I now currently own 3 shares of CVX with an average cost of 105.04. I feel that I have a great opportunity with the slump in the oil industry. The value in this sector is great and my portfolio reflects this with positions in CVX and Exxon Mobile (<a href="https://www.google.com/finance?q=NYSE%3AXOM&ei=fN2AVcGfNImsigKX-4LgBg" target="_blank">XOM</a>) and Kinder Morgan (<a href="https://www.google.com/finance?q=kmi&ei=_96AVYHGPOuziALu14moAg" target="_blank">KMI</a>). A quality company with a lovely current yield of 4.28% this company is one which I would consider "un-killable" in my 20 year timeframe.<br />
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Furthermore. I recently initiated a position in Wal-Mart Stores (<a href="https://www.google.com/finance?q=wmt&ei=x9-AVZmeHeuziALu14moAg">WMT</a>) at the share price of 72.13. I currently own 2 shares of WMT and will look to add to this when more capital becomes available. WMT has been on a great run lately but missed expectations in Q1 leading to continued drops in price which started in January of 2015. Wal-Mart is boasting a current yield of 2.71% and is a good example of a company willing to constantly reward share holders. WMT has had 40 years of consecutive dividend raises and shows no sign of slowing down! I look forward to owning more of this company.</div>
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As I trade with Robinhood App I paid $0 in commissions which allows me to keep more of my money!</div>
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I can't wait to keep you updated on my journey until next time.</div>
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<i>What have you purchased lately?</i></div>
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<i>Do you own shares in these companies?</i></div>
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<i>What are you watching as June passes its mid point?</i></div>
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<i><br /></i></div>
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Full Disclosure: Long all tickers listed</div>
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<div style="text-align: center;">
I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
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<br /></div>
<div style="text-align: center;">
___</div>
</div>
Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com18tag:blogger.com,1999:blog-8376713595277164428.post-5269949031541955242015-06-09T17:03:00.002-07:002015-08-01T12:28:31.872-07:00Personal Post #1 : A Millennials Most Valuable Asset<div style="text-align: center;">
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<a href="http://4.bp.blogspot.com/-1nddLz_jZco/VXaONGSBB4I/AAAAAAAAAJ4/m5V8SHSu2vA/s1600/watch-682926_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="211" src="http://4.bp.blogspot.com/-1nddLz_jZco/VXaONGSBB4I/AAAAAAAAAJ4/m5V8SHSu2vA/s320/watch-682926_1280.jpg" width="320" /></a><span style="text-align: center;">Have you ever heard your parents or grandparents say
something similar to “…there is no time like the present”? It is more than
likely that you have. Why is that? Well aside from the ideas of being active
and getting something done, for millennia’s, the statement holds a more
significant meaning. More than just a meaning though, an opportunity, the key
that everyone is searching for.</span></div>
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<o:p></o:p></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
Recently I noticed I have been spending more and more time
reading online. Topics include increasing blog traffic, undervalued dividend
stocks, how to monetize a blog, the list goes on. More specifically, I have been interested in
finding value in the stock market. As a self-proclaimed subscriber to the
dividend value investing school of thought this should be no surprise. Sooner
or later I began to realize that I was not spending time online reading and
learning <a href="http://dividendkid.blogspot.com/2015/06/how-to-invest.html" target="_blank">as I have previously stated is valuable</a>. Instead I was searching for
something. I find, especially at my age, it is easy to attach to an idea.
Recently that idea has been finding that next stock, that next opportunity to
put my money to work. I cant quite put my finger on why but I almost feel
pressured to deploy my capital. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
Today I took a step back. After a bit of brainstorming and
thought I discovered what I had been searching for. Not only had I discovered
it but also I realized I already had it. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
Time. My most valuable asset, I have had it all along.
Chances are if you are under the age of thirty it is your most value asset as
well. Time is everything and we only get so much (or little) of it. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
In the investing world time is your best friend. If you are
able to invest early in your life, time will be your life raft in the sea that
is the stock market. The earlier you start, the bigger the raft. There is a seemingly unlimited amount of
information <a href="http://www.businessinsider.com/investors-miss-stock-market-rallies-charts-2014-10" target="_blank">that continually tells us to buy in early</a> and weather the storms.
For many young value investors like myself this cannot be reiterated enough. As
a dividend value investor I am, indirectly getting paid to do everything that I
do. Currently my payments are small but they should grow from here forward.
That is one of the ideas that got me interested in looking for high quality
dividends. You will be paid to sit on the couch, or spend time with your
family. It doesn’t make a difference.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
Outside of the investing world when the value of time comes
up I tend to think of opportunity cost. Right now I am not investing (though I
am collecting dividends) but I have decided to take the time to write this
article. What else could I be doing right now? Well I could be weed whacking
for the man up the street for $12/hour. I could be playing video games, or any
number of things really. The opportunity cost of any activity is the value of
the next best use of your time . In other words, opportunity cost is the value of something else you
would rather <i>spend</i> your time on. I emphasize the word spend because when you think of your time as a currency that you can not get any more of, the idea starts to take shape. Currently writing this blog post is worth more
to me than $12/hour. That wont always be the case but you have to understand that
these days you need to decide what is valuable to you. Is it video games?
Twelve dollars? If your time is your most valuable asset; you should treat it
as such.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
<i><br /></i></div>
<div class="MsoNormal" style="text-align: left;">
<i>What is your most valuable asset? <o:p></o:p></i></div>
<div class="MsoNormal" style="text-align: left;">
<i>Do you consider opportunity cost when making decisions?<o:p></o:p></i></div>
<div class="MsoNormal" style="text-align: left;">
<i>Do you think other millennial’s realize how valuable time
is?<o:p></o:p></i></div>
<div class="MsoNormal" style="text-align: left;">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div>
I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
<div>
<br /></div>
<!--EndFragment--><br />
<div>
___</div>
<div>
<br /></div>
</div>
Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com5tag:blogger.com,1999:blog-8376713595277164428.post-44626689646921139452015-06-07T21:26:00.000-07:002015-08-01T12:27:50.040-07:00Income and Expenses: May to June<div style="text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-pyFrwAK8fUc/VXT9surB8oI/AAAAAAAAAHA/m2HVRK6L2eM/s1600/calculator-385506_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="188" src="http://2.bp.blogspot.com/-pyFrwAK8fUc/VXT9surB8oI/AAAAAAAAAHA/m2HVRK6L2eM/s320/calculator-385506_1280.jpg" width="320" /></a></div>
Let’s get down to the nitty gritty details. For some, dividend investing creates a source of supplemental income that can be used for a variety of needs. I, on the other hand wish to use the income from my dividend yielding investments to retire from the traditional workforce early. In order to do so, I must be willing to track my income and expenses regularly Meticulous bookkeeping will keep me on track and expose areas I need to improve on. <br />
<a href="http://dividendkid.blogspot.com/2015/05/HelloMyNameIs.html" target="_blank">In my first blog post</a> I mentioned how fortunate I have been in life. When it comes to my expenses this is equally true. When not at school, I live with my parents for free, including utilities and food. This is a huge advantage compared to staying in Phoenix and paying for rent. My parents currently cover my cell phone bill at all times, and utilities, plus food while I am home. Aside from my cell phone bill I cover everything else, from car insurance and maintenance, to entertainment and spending money.<br />
<br />
If you have been keeping up with my blog and read my post on <a href="http://dividendkid.blogspot.com/2015/06/tools-of-trade.html">Tools Of The Trade</a> you might’ve noticed that I left a tool out of that article. I did this on purpose, and will be posting a separate article on <a href="https://www.personalcapital.com/">Personal Capital</a> in the future. <br />
<br />
This is the first income and expenses report so it isn’t particularly consistent l, but that should clear up from here on out. This article will cover cash flow from May forward. <br />
<br />
Income<br />
<br />
<a href="http://4.bp.blogspot.com/-W39tr3HhG0M/VXXxUAXQ6hI/AAAAAAAAAIU/yETxUC7RHtM/s1600/Screen%2BShot%2B2015-06-07%2Bat%2B7.55.14%2BPM.png"><img border="0" src="http://4.bp.blogspot.com/-W39tr3HhG0M/VXXxUAXQ6hI/AAAAAAAAAIU/yETxUC7RHtM/s640/Screen%2BShot%2B2015-06-07%2Bat%2B7.55.14%2BPM.png" /></a><br />
<br />
<br />
A majority of my income can be attributed to the deposits category. This is because any transaction that took place while I was at school was conducted in cash. This is a combination of profit and principle from these mini-investments. These relatively large amount of cash deposits will not be regular over the summer. The other income category is pretty simple to explain. The $300 came from receiving a sign-up bonus to create a Chase checking account. All I had to do was trigger two direct deposits and I received $300 to do with what I wanted. I took advantage of this offer because I was able to meet the, "keep this account free" requirements and could collect my "free money". Paychecks and salary have come in a bit light so far because when I am home for school I work through a local temp agency. So far this work has been inconsistent and rather disappointing in length of assignment. I look forward to this picking up around mid to late June as it did last year. Lastly, interest income is comprised of interest paid from my two online Barclays bank accounts. These accounts yield 1.00% and 1.05% monthly.<br />
<br />
<br />
<a href="http://4.bp.blogspot.com/-CLzAJyxadXA/VXXxTk4NeII/AAAAAAAAAIM/2YH1YtBBUEw/s1600/Screen%2BShot%2B2015-06-07%2Bat%2B7.55.11%2BPM.png"><img border="0" src="http://4.bp.blogspot.com/-CLzAJyxadXA/VXXxTk4NeII/AAAAAAAAAIM/2YH1YtBBUEw/s640/Screen%2BShot%2B2015-06-07%2Bat%2B7.55.11%2BPM.png" /></a><br />
<br />
<br />
Expenses<br />
<br />
<br />
<a href="http://3.bp.blogspot.com/-ERCKSEfxgks/VXXxTsXInsI/AAAAAAAAAIE/avThv3nQrhs/s1600/Screen%2BShot%2B2015-06-07%2Bat%2B6.57.07%2BPM.png"><img border="0" src="http://3.bp.blogspot.com/-ERCKSEfxgks/VXXxTsXInsI/AAAAAAAAAIE/avThv3nQrhs/s640/Screen%2BShot%2B2015-06-07%2Bat%2B6.57.07%2BPM.png" /></a><br />
<br />
<br />
This month I had a slightly larger than normal personal expense report. I normally have no postage and shipping charges. That transaction was another mini investment as I noted above. Excluding that outlier, my achilles heel has been restaurants, though even this is inflated. My last few days at school the dining halls were closed and I was forced to eat out. I try not to make a habit of it but, rewarding yourself with a great meal is often very worthwhile especially since I like to consider myself a budding foodie. The small amount of groceries was a one time expense where I picked up a few things from the store on the way home from work. Another expense that isn’t listed,include car insurance which is payed in cash to my parents. This expense totaled $70 which covers storage while I was at school and full coverage while home for the summer.<br />
<br />
<a href="http://2.bp.blogspot.com/-XxOqWtvS-s0/VXXxTgNTrsI/AAAAAAAAAII/6n-qgXzsLtE/s1600/Screen%2BShot%2B2015-06-07%2Bat%2B6.58.21%2BPM.png"><img border="0" src="http://2.bp.blogspot.com/-XxOqWtvS-s0/VXXxTgNTrsI/AAAAAAAAAII/6n-qgXzsLtE/s640/Screen%2BShot%2B2015-06-07%2Bat%2B6.58.21%2BPM.png" /></a><br />
<br />
So far my saved income percentage is 88%. This number is inflated due to having very few real bills. I need to take advantage of this time to save as much as possible before I incur some actual expenses. For now though, I will just consider this a test run!<br />
<br />
<br />
<i>What about you? <br />Do you track your expenses? <br />Does saved income percentage hold as much weight with you?<br />Let me know down below!</i><br />
<i><br /></i>
<i><br /></i>
<div style="text-align: center;">
I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
___</div>
Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com4tag:blogger.com,1999:blog-8376713595277164428.post-7190282247717701792015-06-03T19:21:00.003-07:002015-08-01T12:26:54.100-07:00Tools of the Trade<div style="text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-8ew_QOsgYk4/VW19ahXET5I/AAAAAAAAABY/ubvlnxkhyJM/s1600/tool-384740_1280.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="http://2.bp.blogspot.com/-8ew_QOsgYk4/VW19ahXET5I/AAAAAAAAABY/ubvlnxkhyJM/s320/tool-384740_1280.jpg" width="320" /></a></div>
<div style="text-align: left;">
Like any job or hobby, there are always tools of the trade. If you are just starting out on you dividend journey then your tools may be <a href="http://dividendkid.blogspot.com/2015/06/how-to-invest.html" target="_blank">books or other information sources like blogs</a>. Maybe you are a little farther ahead in your journey than most. For the sake of this article lets say that you've already completed 6 months of reading and LEARNING before having decided to become a dividend investor. Where do you go from here?<br />
<br />
Well there are many tools and resources to set you on your way. Primarily you will have to be able to research particular companies. Notice that I say <i>companies</i> instead of <i>stocks. </i>When investing you need to be whole heartedly committed to everything about a particular company. Look at their history and how they have treated their shareholders over the years. Have they constantly increased their dividend? Has the company participated in any recent share repurchase plans? How many years of consistent dividend payments has this company made? These are all questions you need to be able to ask yourself. When it comes to the actual buying and selling of shares you may already have a broker but thats not to say you shouldn't be interested in a different one. How much per trade do you you pay with your current broker? Or, if you do not have a broker, how much would you be willing to pay per trade? Finally, investing is quite the "to-do" as my Papa would put it. You need to have a way to organize your portfolio and keep track of everything you are doing.<br />
<br />
For company research, portfolio organization, and stock screening I suggest : <a href="https://www.google.com/finance" target="_blank">Google Finance</a><br />
<br />
As you will see below, through Google Finance, you have access to charts, quick glance financial info, related companies, executives, key financials, and related news. It is very intuitive and best of all its FREE! I find the Google Finance Stock Screener particularly useful when searching for companies that contain specific attributes such as a low P/E ratio or above average dividend yield.<br />
<br />
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<tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/-hVHuUo-PS_c/VW-sCLemsqI/AAAAAAAAAFI/Cq07PyWg4EU/s1600/Screen%2BShot%2B2015-06-03%2Bat%2B5.45.02%2BPM.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="366" src="http://1.bp.blogspot.com/-hVHuUo-PS_c/VW-sCLemsqI/AAAAAAAAAFI/Cq07PyWg4EU/s640/Screen%2BShot%2B2015-06-03%2Bat%2B5.45.02%2BPM.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">No frills portfolio organization with the ability to view your holdings in many different detailed ways</td></tr>
</tbody></table>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/-2zjR0LN68fg/VW-sCIzNY2I/AAAAAAAAAFE/MRY-uzY3DSw/s1600/Screen%2BShot%2B2015-06-03%2Bat%2B5.45.39%2BPM.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="366" src="http://1.bp.blogspot.com/-2zjR0LN68fg/VW-sCIzNY2I/AAAAAAAAAFE/MRY-uzY3DSw/s640/Screen%2BShot%2B2015-06-03%2Bat%2B5.45.39%2BPM.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Interactive charts by date ranges, and the ability to compare other tickers on companies homepages</td></tr>
</tbody></table>
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<tr><td class="tr-caption" style="text-align: center;">Related companies, and company key dates such as shareholder meetings </td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Market and stock specific news from varying outlets</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Stock screener with everything you could need to find your next purchase</td></tr>
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For your trading platform I suggest : <a href="https://www.robinhood.com/" target="_blank">Robinhood App</a><br />
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If you have an iPhone or other Apple iDevice, Robinhood is perfect. Not only will you avoid any traditional fees associated with buy or sell orders, but Robinhood App's ultra simplistic interface keeps things easygoing. This is key for a new investor who is looking to invest small amounts of money at a time and not become overwhelmed with a complex trading platform. Robinhood App is currently working on a Web App version of their platform, as well as an android version! It needs to be stated though that currently Robinhood App is very feature light. Buy, sell, and transfer funds is about it. As a buy and hold investor this should be a non-issue.<br />
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<a href="http://1.bp.blogspot.com/-u2W13GplAB4/VW-wHkojkeI/AAAAAAAAAGI/QTQJdzLKroA/s1600/Robinhood_nightAndDay.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="480" src="http://1.bp.blogspot.com/-u2W13GplAB4/VW-wHkojkeI/AAAAAAAAAGI/QTQJdzLKroA/s640/Robinhood_nightAndDay.jpg" width="640" /></a><br />
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If you do not have currently have an iDevice, I would suggest : <a href="https://www.interactivebrokers.com/en/home.php" target="_blank">Interactive Brokers</a><br />
Interactive Brokers has some of the cheapest commission rates around. This is key because you'll be able to deploy more of your money into a companies shares instead of someone else's wallet. Unlike Robinhood App, Interactive Broker is a full service broker that allows you to do anything that the big boys such as E-Trade or ScottTrade can.<br />
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What about you? What tools do you use on your own investing journey? Anything I left out? Let me know down below!</div>
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Thats it for now everyone. Blog readership is picking up now, (over 500 total views in 3 days) so expect an update every 3-4 days or so. </div>
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey.<br />
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com3tag:blogger.com,1999:blog-8376713595277164428.post-81341068560107451612015-06-01T14:48:00.000-07:002015-08-01T12:26:20.308-07:00Book Worm<div style="text-align: center;">
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<span style="background-color: #f3f3f3; font-family: Times, Times New Roman, serif;">This blog is still in its early stages, but in the event that readers suddenly flock here I feel it is best to be prepared. In this post I will be discussing where you start when looking to get involved in investing, dividends and frugal living in general.</span><br />
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<span style="font-family: Times, Times New Roman, serif;">When I started learning about personal finance and really became interested in investing I did what any reasonable 18 year old would do. I wanted to open account the next day and throw money and the chart that had the largest one year return I could find. Excitement had taken over and I started looking. "Biggest return ETF", "Best growth mutual fund", and similar searches yielded everything that I was looking for. I was blinded by the prospect of 20% returns inflated by the overcharging bull market. A month went by and I still hadn't bought anything. I began to dig deeper, read more, take emotion out of it and learn. My searches for knowledge quickly transitioned to "How to Invest" and finally I realized that I had found the right question.</span></span><br />
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<span style="font-family: Times, Times New Roman, serif;">It wasn't long before I learned about asset classes, allocations, and the risks of picking singular stocks vs ETF's (collections of stocks selected to track an index such as the S&P 500). In my information hunt I found <a href="http://www.dividendmantra.com/" target="_blank">Dividend Mantra, Jason Fieber's</a><a href="http://www.dividendmantra.com/" target="_blank"> <span style="line-height: 18px;">journey to retire by 40 years old by living frugally and investing in </span><span style="line-height: 18px;">dividend</span></a><a href="http://www.dividendmantra.com/" style="line-height: 18px;" target="_blank"> paying stocks</a><span style="line-height: 18px;">. After reading almost every post, learning about Dividend investing, living frugally, and passive income I was hooked. I found out very quickly that companies would actually give me money just for being loyal to them, just for holding their stock. It wasn't for another five months that I purchased my first dividend paying stock. It took me that long to be confident in my readings, and commit to my own investment style. Im happy I did too, everything that I've learned since has only affirmed my position and strengthened my drive.</span></span></span><br />
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<span style="font-family: Times, Times New Roman, serif;"><span style="line-height: 18px;">So it goes without saying that YOU need to learn about what kind of investor you are as I did. Dividend Value Investing is not the only way to go about things, just my way. What ever you decide, know that the single greatest thing I have done to better my future as an investor was read. There is no supplement for pure learning. </span></span></span><br />
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<span style="line-height: 18px;">Below you will find a collection of links to books and blogs that I read before making the plunge. Happy learning!</span></span><br />
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</span><a href="http://4.bp.blogspot.com/-dsyGjlxcfUg/VWzLIB4Lf2I/AAAAAAAAAA0/g6KCzsvBHSI/s1600/BookCover.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="background-color: #f3f3f3; font-family: Times, Times New Roman, serif;"><img border="0" height="200" src="http://4.bp.blogspot.com/-dsyGjlxcfUg/VWzLIB4Lf2I/AAAAAAAAAA0/g6KCzsvBHSI/s200/BookCover.jpg" width="125" /></span></a><span style="background-color: #f3f3f3; font-family: Times, Times New Roman, serif;">As I previously stated Im quite the fan of Dividend Mantra and what he has done. Great personal incite and a proven track record of technical analysis. He practices what he preaches and brings everyone along for the ride.</span><br />
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<a href="http://www.dividendmantra.com/" target="_blank"><span style="font-family: Times, Times New Roman, serif;">Dividend Mantra : Blog</span></a></span><br />
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<a href="http://amzn.to/1BBCmKS" target="_blank"><span style="font-family: Times, Times New Roman, serif;">The Dividend Mantra Way : Book</span></a></span><br />
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</span><a href="http://3.bp.blogspot.com/-lzL7vQRlFI4/VWzO_u_-_JI/AAAAAAAAABA/TsvlJuQMXGE/s1600/5144SMPdQjL.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="background-color: #f3f3f3; font-family: Times, Times New Roman, serif;"><img border="0" height="200" src="http://3.bp.blogspot.com/-lzL7vQRlFI4/VWzO_u_-_JI/AAAAAAAAABA/TsvlJuQMXGE/s200/5144SMPdQjL.jpg" width="154" /></span></a><br />
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<span style="font-family: Times, Times New Roman, serif;"><span style="line-height: 22px;">For one of the best books on investing, investors should consider “Shareholder Yield: A Better Approach to Dividend Investing.” This book is a quick read that focuses shareholder value with dividends, share buybacks and debt repayment. The book is riddled with information about finding the best dividend stocks in the low yield world.</span></span></span><br />
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<a href="http://amzn.to/1M56rsf" target="_blank"><span style="font-family: Times, Times New Roman, serif;">Shareholder Yield : Book</span></a></span><br />
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<span style="font-family: Times, Times New Roman, serif;">Other blogs to consider with great content that I visit regularly</span></span><br />
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<a href="http://www.dividendgrowthinvestor.com/" target="_blank"><span style="font-family: Times, Times New Roman, serif;">Dividend Growth Investor</span></a></span><br />
<a href="http://www.passive-income-pursuit.com/" target="_blank"><span style="background-color: #f3f3f3; font-family: Times, Times New Roman, serif;">Passive Income Pursuit</span></a><br />
<a href="http://www.mrmoneymustache.com/" target="_blank"><span style="background-color: #f3f3f3; font-family: Times, Times New Roman, serif;">Mr. Money Mustache </span></a><br />
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I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey</div>
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Div Kidhttp://www.blogger.com/profile/04520485283354085444noreply@blogger.com4tag:blogger.com,1999:blog-8376713595277164428.post-29690976433923165462015-05-29T01:30:00.002-07:002015-08-01T12:25:54.335-07:00Hello My Name Is<div style="border: 0px; line-height: 22.100000381469727px; margin: 0px; outline: 0px; padding: 0px; text-align: center; vertical-align: baseline;">
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Well, It has been a few days since opening up and building the actual blog so I figured it was time to say hello to any of you who may be reading. Reader-ship is small right now, but maybe that is an opportunity for me to practice my blogging skills. Hopefully though, it won't be too long until I get a few commenters stirring up discussion!<br />
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I am the infamous Dividend Kid. As my description states, I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey. But thats kinda boring isn't it? While for the purposes of this blog, my name shall remain "Dividend Kid" thats not to say my life is shrouded in secrecy.<br />
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I am a full time student who is studying Business Marketing and Business Management at Arizona State University. I love school. It is such a great opportunity to not only to learn about yourself, but to invest in yourself in more ways that you could imagine. I am a member of more than a few clubs on campus and couldn't be happier entering into my 3rd year of schooling. Club involvement is a large part of my life. I believe very strongly that college is a time to accrue experiences<i>. </i>So far this has been a very large part of my time at ASU and will continue to be in the near future.<br />
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I am an athlete (or so I would like to think). Multiple years of soccer, basketball, football, track, crew rowing, and sand volleyball litter my athletic record. After leaving for school I found maintaining my active lifestyle was an absolute necessity to staying on track. Hiking, biking, rock climbing, and some truly aggressive games of ultimate frisbee are enjoyed during my free time. It wouldn't be college if you didn't enjoy yourself, hell if you don't enjoy it, you are doing it wrong! A few of these things such as hiking, are completely free. A word you will come to love as someone living frugally.<br />
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I am fortunate. First and foremost I will say that I would not be where I am today without the help of my parents and grandparents. The value of a dollar was taught to me by my grandfather in my early childhood. Many years ago, around the age of 6 or so, I was paid twenty whole dollars to stack a load of firewood. I have been told I was quite exited to spend that money on candy or the like but was promptly dissuaded. My Papa (grandfather) told me that if I leave the money with him in the old ash tray it would grow. He did not know it, but right then my grandfather had created a financially responsible 6 year old. Just like that I had made my first twenty dollars and learned about compounding interest. When I returned my grandparents had "deposited" their left over change in my "account". I was ecstatic. All I had to do was wait a little and 'BOOM' more money. I did not do anything to earn that extra money (does this sound like a dividend yet?). That first twenty dollars is my earliest memory of earning money and I would like to think that has helped me get to where I am today just as my family has.<br />
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I am frugal. A cheap ass as many of my friends would say, but I disagree. Whereas many of my peers have no problem spending $100 on a night out I just can not waste money in such irresponsible ways. In a normal work day of eight hours at a wage of $12.5/hr you make $100. Was that night partying worth a full day of work? These are questions you have to ask yourself when you make decisions. Is that new toy I want worth 'X' hours of my life? Thats the question that normally gets me. Every purchase in life is a decision. Do you need it? YES/NO, often times being frugal and saving money is that simple. This though, as you might imagine is often times at odds with the idea of accruing experiences as experiences often times cost money. I will definitely go into this topic more in a future article though so don't worry if you want to hear more.<br />
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But you call yourself the Dividend Kid, what about all the dividends?<br />
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The Dividends are coming, you'll just have to check in next week.<br />
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<span style="font-family: Times, Times New Roman, serif;">I am a 21 year old kid who seeks to create a life of financial independence via passive income. The accumulation and growth of quality dividend yielding stocks will be the main source of income and this is my journey</span></div>
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Unknownnoreply@blogger.com5