Wednesday, September 21, 2016

Mortgage Balance (UPDATE) - SEPT 2016

If you have viewed our family's Net Worth Page, you probably already know that it does not include the equity in our home.  Although, we do realize that it is technically part of our overall net worth, we decided that since our home equity is not an asset that we can count on for income (unless we sell and buy something cheaper) we would exclude it from our net worth calculation.

For the purpose of this blog, we are more interested in documenting our loan balance rather than our home equity.  With that said, we will use the current Zillow value as our estimated home value and use it to figure out the percentage we owe on our home. For those interested, we will include the amount of our home equity, but know that we are less concerned with the equity since we have no plans to cash out or otherwise sell our home. Our main goal is to pay off our home on or before my retirement date. 


HOME VALUE:
According to Zillow, our home is currently worth: $823,277 (up $14,086 in the last 30-days).  Since our post in JUNE, we have seen our home value grow a total of $28,627 (from $794,650 back in June). How is that for ROI?! :)

It's fun to calculate and certainly makes you feel a little bit more wealthy but, if you follow us, the reality is that whether our home prices rise or fall, it really doesn't mean much to our family as we have no intentions to sell or otherwise move.  We are very lucky to be able to say that we love were we are and couldn't see ourselves living and/or raising our family any other place. :)

Mortgage Balance (As of August 1st):
$297,709 (down $1,880 from our post last month)

Percentage Owed:
36.2% (down 1.2% from our post last month)

Home Equity:
$525,568 (up $21,874 from our post last month)
   
Mortgage Background:
For those that have not read the Preface on our home equity, we currently hold a 15-year fixed rate mortgage at the incredibly low rate of 2.875%.  My goal is to retire within 10 years and 9 months (129 months) so we are setting out to pay off our mortgage on or before my retirement date. Right now we are a few months behind the target retirement date. Currently, we have approximately 11  years and 7 months (139 months) left on our mortgage.  Nevertheless, I would like to have it paid off in another 10 years (or less). If we accomplish that, I plan to use the last few years to aggressively build our passive income to help supplement our retirement and defer tapping into the 457K as long as we can so it can continue to grow. 

Right now we are not putting any extra money towards the principal given our low 2.875% interest rate. We feel that we could make our money grow faster by investing it and while keeping the money more liquid. At a certain point, maybe in 6-9 years, we may consider using money from our investment accounts to wipe out the remaining mortgage balance.  Until then, we will continue to grow that money outside, rather than have it locked into our home.
  
Click on the link below to view our mortgage balance history:

Sunday, September 18, 2016

Retirement Accounts (Update) - Sept 2016

As our readers already know, our family has switched our focus towards diligently building our Dividend Stocks Portfolio and to some extent P2P Lending Accounts in an effort to build additional income streams for retirement so we don't have to solely rely on the typical retirement vehicles.

We will still continue to track are retirement accounts (pension, 457K, Roth IRAs) as they are still part of our retirement plan.  Plus, although they are mainly invested in mutual funds, we still need to keep an eye on them and re-balance them periodically.

EXISTING RETIREMENT ACCOUNTS
(SEPTEMBER 2016 - 3RD QUARTER UPDATE):

Since we see such little change in these accounts, we decided last summer to stop providing monthly reports of our retirement accounts. We've only posted 3 updates since.  So earlier this year, we've decided to do quarterly updates.  

Below is a quick update to show the current values of our retirement accounts at the end of the 3rd Quarter of 2016 as well as the monthly growth (although we do not post the results).  Please visit the RETIREMENT ACCOUNTS page on our blog to see our retirement savings journey!

PENSION
Cash Value of Pension
September value: $252,853
August value: $250,736
July value: $248,667
June value: $246,599
May value: $244,570
April value: $242,512
March value: $239,650
February value: $237,730
January value: $236,189


457K
Total value of 457K
September value: $128,058
August value: $127,246
July value: $124,678
June value: $122,111
May value: $121,170
April value: $119,986
March value: $112,765
February value: $112,991
January value: $118,761


Roth IRAs
Total value of Roth IRA accounts 
September value: $61,336
August value: $60,767
July value: $59,617
June value: $58,467
May value: $57,922
April value: $56,696
March value: $53,940
February value: $53,517
January value: $55,747
  
This past quarter was a nice quarter as our retirements accounts saw pretty nice gains. Overall, our three retirement accounts saw an increase of 3.5%. This was a $15,070 gain from our June total of $427,177

Currently, the total amount of our retirement accounts is valued at:
$442,247 


Click below to view retirement accounts page
RETIREMENT ACCOUNTS

Thursday, September 15, 2016

Stocks Added to Collection of Stock Analyses - September 2016

For those who are not yet familiar with our extensive collection of individual dividend stocks. The entire collection is currently comprised of 1,237 stock analyses (and still growing). The collection essentially provides links to various stock analyses that we found throughout the dividend blog community since 2013. Last year we added a total of 445 stock analyses to the collection. If you would like to view archives from previous years, please follow the respective links provided at the end of this post. 

2016
We started the year providing weekly updates to our Collection of Stock Analyses. Although we started out strong, we eventually realized that we simply did not have enough time to keep up with the weekly updates. We still plan to continue growing our Collection of Stock Analyses but unfortunately can no longer commit to a weekly updateTo date, our 2016 Collection is now comprised of 273 stock analyses.
     
September 2016 (Update):
Below is a list of newly added stocks analyses that were recently added to our 2016 Collection of Stock Analyses:
  1. Abbvie Inc (ABBV)
    • by Dividend Growth Stocks
  2. Caterpillar, Inc (CAT)
    • by Dividend Growth Stocks
  3. Coca Cola Company (KO)
    • by The Compound Investor
  4. Eli Lilly & Company (LLY)
    • by Simply Safe Dividends
    • Exxon Mobil Corp (XOM)
      • by Dividend Growth Stocks
      • General Mills, Inc (GIS)
        • by Passive Income Pursuit
      • Hanesbrands, Inc (HBI)
        • by Dividend Diatribes
      • Kroger Co (KR)
        • by Simply Safe Dividends 
        • Leggett & Platt, Inc (LEG)
          • by Dividends Growth Stocks
          • Medical Properties Trust, Inc (MPW)
            • by A Dividend Dream!
            • Mondelez International Inc (MDLZ)
              • by The Compound Investor
              • Realty Income Inc (O)
                • by Passive Income Pursuit
                • Stella Jones, Inc (TSX: SJ)
                  • by Passive Income Earner
                  • United Technologies Corp (UTX)
                    • by Dividends Growth Stocks
                                  Links provided directly in this post!

                                  Please feel free to leave me a message if you prepared a stock analysis that I did not include in my post.  I would be more than happy to add your stock analysis to both this post and our collection of stock analyses.  Please make sure to confirm that it is a dividend paying stock and that it is a individual stock analysis.
                                    
                                  My goal is to make this collection become the centralized source where one begins their research on a particular dividend stock company or at the very least, a source to confirm if a company stock is worth buying. Whether your a beginner or a veteran, I want this list to become an invaluable reference tool for you all. Best part, unlike other subscription based sites, I plan to keep this completely free for everyone to enjoy and benefit from.

                                  Feel free to share with all of your friends and family! 


                                  Click on Link Below

                                  2016 - Collection of Stock Analyses

                                  (Archived 201520142013)



                                  Also don't forget to check out our:

                                  Collection of Recent Buys


                                  Tuesday, September 13, 2016

                                  A Frugal Family's Journey - We Just Joined the 300K Club!!

                                  BIG "Thank You" to everyone that has supported, and continues to support and visit our blog...whether you have been with us from the beginning or you've just recently joined the journey, we would like to thank each and every one of you for your support.  

                                  We started blogging about our frugal family's journey approximately 29 months ago on March 15, 2014. Our blogging journey started out as a hobby and simply a way to keep on track of our progress. Flash forward 2 years and 6 months later, I am thrilled to announce that because of each and every one of our readers, we just reached yet another milestone. This is a delayed post but, as of September 8, 2016, we are now proud members of the 300K club! 

                                  It took approximately 15 months to reach our first milestone of 100,000 page visits to our blog. It took us the next 6 months and 28 days to reach 200,000 page milestone. We did that earlier this year on January 27, 2016. 

                                  Even though we were recently on a 6-week hiatus (where we did not even log on to our account), I'm happy to say that we reached the 300,000 page milestone in 7 months and 11 days!

                                  Since I am somewhat of a stats nerd, below are some additional stats behind our 300,000 visits.

                                  Top Referring Sites
                                  BIG thanks to google.com and twitter, but we also want to recognize and give special thanks to Captain DividendPassive Income PursuitMy Dividend Pipeline and Rockstar Finance for the additional traffic from your respective blogs. Lastly, although not present on the list above, I would like to also thank two other fellow bloggers and friends, Roadmap2Retire and I Want to Retire Soon, for your continue support and mention of our Collection of Recent Buys and Collection of Stock Analyses.  

                                  Also, thanks to all that have tweeted or re-tweeted our posts.  Our additional presence and our followers on Twitter has truly helped us continue to grow. In case you would like to follow us on Twitter, we can be found under: @FrugalFamilyof4. 

                                  Most Popular Page Visits
                                  Our top three most popular page visits are: 1) 2015 - Collection of Recent Buys with 11,886 page views; 2) Dividend Stocks Portfolio with 11,166 page views; and 3) 2015 - Collection of Stock Analyses with 7,379 page views. Once again, our two collections and family's dividend stocks portfolio were the difference makers. Hoping to continue the tradition and make them winners for years to come!! Although the 2016 - Collection of Recent Buys is currently in 4th, my guess is that it will move into the top 3 by our 400K Club post. ;)

                                  Most Popular Posts
                                  Our top three most popular posts are: 1) P2P Account (update) - August 2014 with 2,090 page views; 2) Collection of Recent Buys (March 2016 Summary) with 1,194 page views; and 3) Net Worth (Update) - 2nd Quarter 2014  with 844 page views. Our most popular post has remained unchanged as is was also the top post on our 100K Club and 200K Club posts.

                                  These post received the page views they did because of you (our readers and fellow bloggers).  Thank you for reading and/or sharing our post with others. We truly appreciate each and every one of you for the support!

                                  Top Page Views By Countries

                                  We are tremendously grateful that our blog has seemed to have a worldwide presence as evident by the chart above.  However, the top page views to our blog came from the following top three countries: 1) United States, with the largest presence at 192,133 page views; 2) Canada in second with with a total of 13,965 page views; and 3) Germany in third with 13,635 page views.  These top three Countries have remained unchanged from our 100K Club and 200K post. Although Russia is not on the top three list, it certainly is threatening to take over the 3rd spot and currently trails by only 162 page views.  


                                  AGAIN...THANK YOU EVERYONE FOR HELPING US 
                                  REACH YET ANOTHER HUGE MILESTONE!!

                                  Sunday, September 11, 2016

                                  RECENT BUY : (NYSE: GILD)

                                  We Recently Purchased The Following:



                                  Gilead Science, Inc (GILD)
                                  Purchased 8 shares of GILD on 9/9/2016 at $78.53
                                  Total Spent: $628.24; added $15.04 in forward dividends.

                                  Our recent purchase of Gilead Science, Inc (GILD) is just the 3rd stock purchase made in our family's dividend stocks portfolio since February. We also bought Apple Inc (AAPL) and Flower Foods Inc (FLO), on June 24, 2016 and September 9, 2016, respectively. We hope the market continues to decline (as it did on Friday) so that we can continue grabbing a few more value buys! Not sure about you, but whether it is a stock or a consumer good, I love it when I can grab a good deal!  

                                  Here are a few reasons why we believe GILD is a good buy: 1) GILD is trading at a 31.5% discount from its 52-week high; 2) Although the dividend is only 2.41%, their payout ratio is a low 16.4% which should allow GILD to continue to raise dividends for years to come; 3) GILD is a very large company with a market cap at 103.0 Billion.

                                  Company Description
                                  From Google Finance:
                                  Gilead Sciences, Inc. is a research-based biopharmaceutical company. The Company focuses on the discovery, development and commercialization of medicines in areas of unmet medical need. The Company's principal areas of focus include human immunodeficiency virus (HIV), liver diseases, such as chronic hepatitis C virus infection and chronic hepatitis B virus infection, cardiovascular, hematology/oncology and inflammation/respiratory. Its HIV products include Genvoya, Stribild, Complera/Eviplera, Atripla, Truvada, Viread, Emtriva, Tybost and Vitekta. The Company's liver diseases products include Harvoni, Sovaldi, Viread and Hepsera. The Company's cardiovascular products include Letairis, Ranexa and Lexiscan/Rapiscan. Its oncology product is Zydelig. Its respiratory products include Cayston and Tamiflu. Its other products include AmBisome and Macugen. The Company's Nimbus Apollo program is a Phase II ready clinical program for NDI-010976 and related metabolic and liver diseases.


                                  With our recent purchase of Gilead Science, Inc (GILD), the estimated forward dividends for our family's dividend stocks portfolio grew another $15.04, putting our yearly dividends at approximately $3,289/year (excluding our Edwards Jones account) and $3,674/year (including our Edward Jones account).  


                                  Since did not previously own Gilead Science Inc, the recent buy of GILD added yet another dividend paying company to our family's dividend stocks portfolios (WF and EJ Accounts). The total stocks held in our family's dividend stock portfolio is now 56 different dividend paying stocks/ETFs and also 5 companies that either don't pay a dividend our has currently suspended their dividends.



                                  Our family's dividend stocks portfolio may be found
                                  by clicking on the link below:

                                  We also maintain an extensive list of stock analysis
                                  that can be access through the link below:

                                  We also just started a list of Recent Buys by other bloggers
                                  that can be access through the link below:



                                  HERE IS A QUICK FACT SHEET FOR THE STOCK I JUST PURCHASED:



                                  Gilead Science, Inc (GILD)
                                  P/E: 6.88
                                  Payout Ratio: 16.4%
                                  Dividend Yield:2.41%

                                  consecutive years of dividend increases
                                  Last Ex-dividend date: 6/14/2016
                                  Next Ex-dividend date: approx. 9/14/2016
                                  Have paid a dividend since: 2015 (1 year)
                                  Pays a dividend 4 times a year
                                  Market Cap: 103.0 Billion
                                  52-week high: $113.31
                                  52-week low: $76.67

                                  Purchased Price: $78.53


                                  What are your thoughts on of recent purchase?


                                  What are you buying?