October Dividend Income

After 34 years of clocking in and out of work and religiously saving at least 10% annually in my 401K every year, my countdown to financial independence is in sight. Each month is a step closer and lets take a look at how this past month is getting me there.

For the month of October I made $3,310.23; a decrease of -5.96% versus this time last year. Not every month is going to be positive and this is one of those times. I had two payments that opted to pay me in November instead of October. On the bright side, November’s payout will get a nice bump.

In October I received two dividend raise announcements from Phillips 66 (PSX) at 2% and AbbVie Inc. (ABBV) at 9%. I was expecting a third raise from Pinnacle West Capital (PNW) but they moved their quarterly meeting to early November and anticipate the announcement then.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9% but there may be a change coming.  My oldest daughter’s car died and she had to buy a replacement. Since her old car was in my name I was paying the taxes and insurance but the new car is in her name and she got her own insurance. This is going to free up some money and the bulk of it I will redirect to my investing accounts. Hopefully next month my savings rate will go up.

Enough of me droning on, let’s see the things we all love to see…charts and dividend payouts:

DateSymbolCompanyAmount
10/1/21AGRAVANGRID$23.51
10/29/21AMNFARMANINO FOODS DISTINCTION INC$39.05
10/15/21APTSPREFERRED APARTMENT COMMUNITIES INC$82.97
10/15/21AQNALGONQUIN PWR UTILS CORP$232.62
10/19/21BCEBCE INC$170.08
10/6/21BLVVANGUARD BD INDEX FDS LONG TERM BOND$13.92
10/29/21BNSBANK OF NOVA SCOTIA COM$26.59
10/18/21CPTCAMDEN PROPERTY TRUST$12.73
10/15/21EPREPR PROPERTIES$77.71
10/11/21GSKGLAXOSMITHKLINE$170.72
10/7/21HYGISHARES TR IBOXX HI YD ETF$18.02
10/6/21IRMIRON MOUNTAIN INC$495.46
10/15/21KBALKIMBALL INTERNATIONAL INC$2.41
10/4/21KMBKIMBERLY-CLARK CORP$16.49
10/15/21LEGLEGGETT &PLATT INC$83.30
10/14/21MPWMEDICAL PROPERTIES TRUST INC$184.51
10/7/21MRKMERCK &CO. INC$137.08
10/25/21NUSINATIONWIDE RISK-MANAGED INCOME ETF$12.74
10/29/21OGEOGE ENERGY CORP$139.42
10/7/21PFFISHARES TR PFD AND INCM SEC$51.71
10/1/21PPLPPL CORP$489.49
10/21/21PSECPROSPECT CAP CORP$155.54
10/5/21TUTELUS CORPORATION$54.15
10/6/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$15.91
10/15/21WPCWP CAREY INC$572.04
10/29/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$32.06

September Dividend Income

After 34 years of clocking in and out of work and religiously saving at least 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of September I made $5,192.28; an increase of 38.31% versus this time last year. This marks the first time I have ever crossed the $5K so an awesome month on this front for sure.

In September I received four dividend raise announcements from Microsoft Corp. (MSFT), Artesian Resources (ARTNA), Lockheed Martin (LMT), and OGE Energy (OGE).  Of the four only the OGE raise was unexpected as I had forecasted a 3% raise, but they issued a 1.7% raise which was disappointing but a raise none the less.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9%.  I have no pics or adventures for the month. September is tough month as we sadly say goodbye to summer and its warm days, the swimming pool gets covered and winterized and of course the day becomes that much shorter as the sun sets so quickly.  The trees around my house are mostly green with a touch yellow, orange, or red on their edges, a sign that peak autumn foliage is just a few weeks away.

Enough of me droning on about the passing of another summer let’s see the things we all love to see…charts and dividend payouts:

DateSymbolCompanyAmount
9/1/21ALEALLETE INC$128.41
9/1/21PSXPHILLIPS 66$25.84
9/1/21SJMSMUCKER J M CO$10.45
9/2/21CMICUMMINS INC$40.46
9/2/21DFSDISCOVER FINANCIAL SERVICES$12.95
9/2/21VLOVALERO ENERGY CORP$35.28
9/3/21ENBENBRIDGE INC$236.19
9/7/21BLVVANGUARD BD INDEX FDS LONG TERM BOND$14.47
9/7/21JNJJOHNSON &JOHNSON$184.18
9/7/21PFEPFIZER INC$227.64
9/7/21SOSOUTHERN CO$66.14
9/7/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$15.63
9/7/21WMTWALMART INC$14.48
9/8/21HYGISHARES TR IBOXX HI YD ETF$17.07
9/8/21PFFISHARES TR PFD AND INCM SEC$52.60
9/9/21MSFTMICROSOFT CORP$61.03
9/9/21UPSUNITED PARCEL SERVICE INC$227.87
9/10/21CVXCHEVRON CORP$22.61
9/10/21IBMINTERNATIONAL BUS MACH CORP$148.35
9/10/21ULUNILEVER PLC$14.84
9/10/21WBAWALGREENS BOOTS ALLIANCE INC$58.88
9/13/21MMM3M$57.77
9/13/21OGNORGANON &CO$5.60
9/15/21AVAAVISTA CORP$135.62
9/15/21EPREPR PROPERTIES$77.71
9/15/21FAFFIRST AMERICAN FINANCIAL CORP$163.33
9/15/21NWLNEWELL BRANDS INC$25.56
9/16/21DUKDUKE ENERGY CORP NEW COM NEW ISIN #US26$65.51
9/16/21PRUPRUDENTIAL FINANCIAL INC$482.40
9/16/21VTRSVIATRIS INC$7.75
9/17/21BHBBAR HARBOR BANKSHARES$48.64
9/17/21RRYDER SYSTEM INC$54.57
9/17/21WMWASTE MANAGEMENT INC$41.50
9/20/21CMPCOMPASS MINERALS INTERNATIONAL INC$137.52
9/23/21PSECPROSPECT CAP CORP$155.54
9/23/21QCOMQUALCOMM INC$160.93
9/24/21BPBP PLC$8.59
9/24/21KHCKRAFT HEINZ CO$9.39
9/24/21LMTLOCKHEED MARTIN CORP$18.27
9/27/21NUSIETF SER SOLUTIONS NATIONWIDE RSK$12.77
9/29/21BEPBROOKFIELD RENEWABLE PARTNERS$266.34
9/29/21BEPCBROOKFIELD RENEWABLE CORP$66.52
9/29/21TROWPRICE T ROWE GROUPS$16.88
9/30/21ARCCARES CAPITAL CORP$502.58
9/30/21AVGOBROADCOM INC$7.25
9/30/21CTOCTO RLTY GROWTH INC$55.10
9/30/21GATXGATX CORP$53.15
9/30/21GRMNGARMIN$67.89
9/30/21NEWTNEWTEK BUSINESS SVCS CORP$744.23
9/30/21PEPPEPSICO INC$55.66
9/30/21WEYSWEYCO GROUP INC$25.38
9/30/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$46.96

August Dividend Income

After 34 years of clocking in and out of work and religiously saving at least 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of August I made $2,641.65; an increase of 25.12% versus this time last year. This is well above my required 12.5% and hopefully it continues in the months ahead.

In August I received two large dividend raise announcements from First American Financial (FAF) 10.86% and Williams-Sonoma (WSM) 20%.  The WSM raise was particularly sweet because they already issued a double digit raise back in March.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9%.  Our backyard movie nights ran into a snag when a critter that looks like the one below decided to crash the party.  Wish I had a video of 4 adults running in the dark to get away from the skunk with a movie playing on the background.

We also took some time out to visit the mansions in Newport Rhode Island.  This was my first time touring a mansion and I was floored by the size and lavish finishes.  We toured the smallest of the mansions which came in at 30,000ft2 complete with polished marble, massive chandeliers and 6ft fireplaces.  The most impressive thing to me was the massive veranda over-looking the ocean.

Overall, another great month for dividend raises, a few stock buys, and fun with the family.

DateSymbolCompanyAmount
8/2/21GISGENERAL MILLS INC$88.25
8/2/21TAT&T INC$624.04
8/2/21VZVERIZON COMMUNICATIONS INC$62.92
8/5/21BLVVANGUARD BD INDEX FDS LONG TERM BOND$14.46
8/5/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$15.83
8/6/21HYGISHARES TR IBOXX HI YD ETF$17.50
8/6/21PFFISHARES TR PFD AND INCM SEC$51.97
8/9/21APDAIR PRODUCTS AND CHEMICALS INC$33.82
8/13/21OHIOMEGA HEALTHCARE INVESTORS INC$722.72
8/16/21ABBVABBVIE INC$190.12
8/16/21EPREPR PROPERTIES$77.71
8/16/21HASHASBRO INC$34.70
8/16/21PGPROCTER AND GAMBLE CO$113.48
8/19/21PSECPROSPECT CAP CORP$155.54
8/20/21ARTNAARTESIAN RES CORP$194.89
8/24/21FASTFASTENAL$11.41
8/25/21ISBCINVESTORS BANCORP INC$37.70
8/27/21ODCOIL DRI CORP OF AMERICA$21.12
8/27/21WSMWILLIAMS-SONOMA INC$10.69
8/30/21NUSINATIONWIDE RISK-MANAGED INCOME ETF$12.98
8/31/21SBRASABRA HEALTHCARE REIT INC$86.04
8/31/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$63.76

July Dividend Income

After 34 years of clocking in and out of work and religiously saving at least 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of July I made $3,949.85; an increase of 34.06% versus this time last year. Another large increase versus the previous year as my dividend payout recovers from all the dividend cuts and freezes of 2020.  I should have one more month of massive YoY increases as my major portfolio repositioning that I did last year started to kick-in last September so growth should come down some.

In July I continued to receive dividend raise announcements from Ares Capital (ARCC), Cummins (CMI), Discover (DFS), J.M Smucker (SJM), Ryder (R), and Walgreens (WBA). Meanwhile EPR Properties restored 65% of their pre-COVID dividend payout.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9% but we did splurge a bit.  We bought an Epson projector and started having backyard movie night with the family.  Our first movie was Indiana Jones and the Last Crusade, and it was a hit.  Everyone in the family had a good time and I even relaxed sipping on a Yuenling. Our next movie night we are showing Addams Family Values which is always good for a few laughs.

The only major addition to my portfolio for the month was Enbridge as I added 101 shares.  I have always been hesitant about the energy sector but was finally convinced on pipelines. The remainder of my buys were all small picking up just a few shares here and there of GIS, SJM, UL, WBA, and of course a weekly $130 contribution to my M1 account. 

Overall a great month for dividend raises, a few stock buys, and fun with the family.

DateSymbolCompanyAmount
7/1/21PPLPPL CORP$764.07
7/2/21KMBKIMBERLY-CLARK CORP$12.34
7/6/21AGRAVANGRID INC$23.32
7/6/21IRMIRON MOUNTAIN INC$488.35
7/7/21BLVVANGUARD BD INDEX FDS LONG TERM BOND $13.95
7/7/21MRKMERCK &CO. INC$132.44
7/7/21TROWPRICE T ROWE GROUPS$45.95
7/7/21TUTELUS CORPORATION$54.87
7/7/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR $15.63
7/8/21HYGISHARES TR IBOXX HI YD ETF $17.97
7/8/21MPWMEDICAL PROPERTIES TRUST INC $181.99
7/8/21PFFISHARES TR PFD AND INCM SEC $52.98
7/12/21GSKGLAXOSMITHKLINE ADR$171.37
7/15/21APTSPREFERRED APARTMENT COMMUNITIES INC $82.97
7/15/21AQNALGONQUIN PWR UTILS CORP$232.62
7/15/21KBALKIMBALL INTERNATIONAL INC $2.39
7/15/21LEGLEGGETT &PLATT INC$73.96
7/15/21WPCWP CAREY INC$563.38
7/16/21CPTCAMDEN PROPERTY TRUST$12.73
7/19/21BCEBCE INC$94.78
7/22/21PSECPROSPECT CAP CORP$155.54
7/28/21AMNFARMANINO FOODS DISTINCTION INC$39.05
7/30/21BGSB&G FOODS INC $260.65
7/30/21BNSBANK OF NOVA SCOTIA$25.81
7/30/21CMCANADIAN IMPERIAL BANK OF COMMERCE$263.92
7/30/21OGEOGE ENERGY CORP$135.27
7/31/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$31.55

June Dividend Income

After 34 years of clocking in and out of work and religiously saving 10% annually in my 401K every year, in good times and bad as well as investing in a separate brokerage account during that time period and contributing to a Roth IRA for the last 4 years. I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of June I made $4,581.27; an increase of 59.64% versus this time last year. What a difference a year makes, I remember last June was with all the dividend cuts so a massive jump compared to then was not entirely a surprise.  Two big contributors compared to last year was receiving my BEP/BEPC and NEWT payments in June instead of July and of course all those fantastic dividend raises announced earlier this year really kicked in.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9%. I did get out this month and enjoyed a meal (twice) at a restaurant and even went out to the pub one evening to enjoy some time with the boys.  It is a still a far cry from normalcy, but it felt good.  I had a vacation scheduled for the last week of June but with the sweltering heat it scuttled our plans, so we stayed home and enjoyed our pool. I still have quite a bit of vacation time so maybe August we’ll try again.

There were no violent swings in the markets but the end of July and August is the traditional vacation time for Wall Street so it will be interesting to see if we have light trading volume and volatile markets or if COVID restrictions will mute this affect. As far as a watch list, there are no screaming value plays however I did add some pipeline MLPs to my watch list.  For July my plan is to continue to just monitor 50+ stocks and buy in small allotments when an opportunity presents itself.

DateSymbolCompanyAmount
6/1/21ALEALLETE INC$127.25
6/1/21PSXPHILLIPS 66 $25.56
6/1/21SJMSMUCKER J M CO$4.08
6/1/21WMTWALMART INC$14.48
6/3/21CMICUMMINS INC$37.67
6/3/21DFSDISCOVER FINANCIAL SERVICES$11.40
6/4/21BLVVANGUARD BD INDEX FDS LONG TERM BOND$14.36
6/4/21PFEPFIZER INC$225.38
6/4/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$15.74
6/7/21HYGISHARES TR IBOXX HI YD ETF$17.88
6/7/21PFFISHARES TR PFD AND INCM SEC$53.57
6/7/21SOSOUTHERN CO$63.37
6/8/21JNJJOHNSON &JOHNSON $184.06
6/8/21VLOVALERO ENERGY CORP $35.28
6/9/21UPSUNITED PARCEL SERVICE INC$227.86
6/10/21CVXCHEVRON CORP NEW$22.61
6/10/21IBMINTERNATIONAL BUS MACH CORP $146.74
6/10/21MPXMARINE PRODUCTS CORP$0.01
6/10/21MSFTMICROSOFT CORP$61.03
6/11/21WBAWALGREENS BOOTS ALLIANCE INC$45.49
6/14/21MMM3M CO$57.35
6/14/21ULUNILEVER PLC SPON ADR$13.05
6/15/21AVAAVISTA CORP$132.44
6/15/21FAFFIRST AMERICAN FINANCIAL CORP$146.29
6/15/21NWLNEWELL BRANDS INC COM$25.56
6/16/21DUKDUKE ENERGY CORP$63.58
6/16/21VTRSVIATRIS INC COM$7.70
6/17/21PRUPRUDENTIAL FINANCIAL INC$477.16
6/17/21PSECPROSPECT CAP CORP$155.54
6/18/21BHBBAR HARBOR BANKSHARES$48.25
6/18/21BPBP PLC SPONSORED ADR$8.26
6/18/21CMPCOMPASS MINERALS INTERNATIONAL INC$137.52
6/18/21RRYDER SYSTEM INC$52.68
6/18/21WMWASTE MANAGEMENT INC$41.50
6/24/21QCOMQUALCOMM INC$160.93
6/25/21KHCKRAFT HEINZ CO$9.30
6/25/21LMTLOCKHEED MARTIN CORP$5.24
6/29/21TROWPRICE T ROWE GROUPS $16.54
6/30/21ARCCARES CAPITAL CORP$480.49
6/30/21AVGOBROADCOM INC$7.20
6/30/21BEPBROOKFIELD RENEWABLE PARTNERS PARTNERSH$266.34
6/30/21BEPCBROOKFIELD RENEWABLE CORP CLASS A SUBOR$66.52
6/30/21CTOCTO RLTY GROWTH INC $54.08
6/30/21GATXGATX CORP COM STK USD0.625$53.15
6/30/21GRMNGARMIN LTD$67.89
6/30/21NEWTNEWTEK BUSINESS SVCS CORP$567.26
6/30/21PEPPEPSICO INC$55.25
6/30/21WEYSWEYCO GROUP INC$25.11
6/30/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$45.27

May Dividend Income

After 34 years of clocking in and out of work and religiously saving 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of May I made $2,475.74; an increase of 12.16% versus this time last year. This was just a touch below my desired minimum of 12.5% growth.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9%. Not much really changed for me during the month of May with the exception of getting fully vaccinated for COVID.

There was no major movements in the overall stock markets other than which spin doctor did the occasional brief of if inflation is transitory or worse. But for the most parts markets must have it priced in as their were no violent swings. I did add three new positions with Broadcom (AVGO), Investors Bancorp (ISBC), and Kimberly Clark (KMB) and I consistently keep adding to my Algonquin (AQN) and Merck (MRK) positions. As far as a watch list, there are no screaming value plays that jump out at me so I’ll continue to monitor a little over 50 dividend stocks for any opportunity that arises.  Unless there is a pullback, I plan on staying with small $200 buying lots for the foreseeable future.

DateSymbolCompanyAmount
5/3/21GISGENERAL MILLS INC$84.20
5/3/21TAT&T INC$613.84
5/3/21VZVERIZON COMMUNICATIONS INC$57.87
5/6/21BLVVANGUARD BD INDEX FDS LONG TERM BOND$14.08
5/6/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$15.09
5/7/21HYGISHARES TR IBOXX HI YD ETF$18.00
5/7/21PFFISHARES TR PFD AND INCM SEC$53.32
5/10/21APDAIR PRODUCTS AND CHEMICALS INC$33.65
5/14/21ABBVABBVIE INC$188.00
5/17/21HASHASBRO INC$34.46
5/17/21OHIOMEGA HEALTHCARE INVESTORS INC$722.72
5/17/21PGPROCTER AND GAMBLE CO$113.48
5/20/21PSECPROSPECT CAP CORP$155.54
5/21/21ARTNAARTESIAN RES CORP$193.62
5/25/21FASTFASTENAL$11.35
5/28/21ODCOIL DRI CORP OF AMERICA$17.28
5/28/21SBRASABRA HEALTH CARE REIT INC$84.60
5/28/21WSMWILLIAMS-SONOMA INC$10.69
5/28/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$53.95

April Dividend Income

After 34 years of clocking in and out of work and religiously saving 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of April I made $3,909.49; an increase of 36.23% versus this time last year. I realize the year over year gain is slightly exaggerated as April of last year was the start of many a dividend cut or suspension but this is my largest April payout ever.

On the home front my expenses have remained the same which means my savings rate has stayed steady at 24.9%. I finally got my first dose of a COVID vaccine and will be getting the second shot later in May, glad to finally get this out of the way. I gave myself my 12th haircut in April, this has been one of those COVID things I had to learn how to do myself and now that lockdowns have been lifted this is one of the few things I think I will continue to do even though I can see a barber, I actually enjoy cutting my own hair.

In April I received dividend raises from 8 different companies and so many companies reported great earnings. Hopefully all of you got to experience the joy of getting a raise. As far as a watch list, there are no screaming value plays that jump out at me so I’ll continue to monitor a little over 50 dividend stocks for any opportunity that arises.  Unless there is a pullback, I plan on staying with small $200 buying lots for the foreseeable future.

DateSymbolCompanyAmount
4/1/21AGRAVANGRID INC23.13
4/1/21BEPCBROOKFIELD RENEWABLE CORP66.52
4/1/21PPLPPL CORP763.54
4/5/21WMTWALMART INC14.48
4/6/21IRMIRON MOUNTAIN INC480.3
4/6/21TUTELUS CORPORATION47.55
4/7/21BLVVANGUARD BD INDEX FDS LONG TERM BOND31.97
4/7/21MRKMERCK &CO. INC123.62
4/7/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR15.77
4/8/21HYGISHARES TR IBOXX HI YD ETF17.92
4/8/21MPWMEDICAL PROPERTIES TRUST INC179.68
4/8/21PFFISHARES TR PFD AND INCM SEC51.47
4/12/21GSKGLAXOSMITHKLINE ADR203.84
4/15/21APTSPREFERRED APARTMENT COMMUNITIES INC82.97
4/15/21AQNALGONQUIN PWR UTILS CORP180.89
4/15/21KBALKIMBALL INTERNATIONAL INC2.38
4/15/21LEGLEGGETT &PLATT INC69.85
4/15/21WPCWP CAREY INC554.17
4/16/21CPTCAMDEN PROPERTY TRUST12.73
4/19/21BCEBCE INC93.65
4/22/21PSECPROSPECT CAP CORP155.54
4/28/21AMNFARMANINO FOODS DISTINCTION INC31.95
4/30/21BGSB&G FOODS INC256.47
4/30/21BNSBANK OF NOVA SCOTIA25.94
4/30/21CMCANADIAN IMPERIAL BANK OF COMMERCE265.04
4/30/21OGEOGE ENERGY CORP133.63
4/30/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT24.49

March Dividend Income

After 34 years of clocking in and out of work and religiously saving 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

Last month I received my annual review and after several paychecks with the new raise I was able to increase my weekly investment into my M1 Finance account by $10.  This improved my annual saving rate from 24.6% to 24.9%. Not a massive increase but it always feels good when I can save more than I did yesterday.

2021202020192018201720162015201420132012
401K11%10%10%10%10%10%10%10%10%10%
Brokerage4.5%4%3.7%1%0.8%0.5%  0.7%0.2%
Roth IRA9.4%8.3%5.4%1.9%      
Total Saving Rate24.9%22.3%19.1%12.9%10.8%10.5%10.0%10.0%10.7%10.2%
10 Year Personal Annual Saving Rate

For the month of March I made $4,238.43; an increase of 27.51% versus this time last year. From now till August I should be seeing significant YoY increases as that was the bulk of the COVID cuts from last year. This month would have been slightly higher but my BEPC dividend did not credit my account until April 1. This was kind of odd as I received my BEP dividend on March 31, maybe BEPC had border crossing issues from Canada to the U.S. 😊.

Overall market valuations continue to remain high. I kept my buying for the month limited to $200 lot buys to keep invested. I have been receiving dividends at a faster rate than reinvesting and unintentionally building a pile of cash.  Going into April I have no favorites on my watch list and instead will monitor a little over 50 dividend stocks for any opportunity that arises.  Unless there is a pullback, I plan on staying with small $200 buying lots for the foreseeable future.

DateSymbolCompanyAmount
3/1/21 ALEALLETE INC$126.00
3/1/21 PSXPHILLIPS 66$25.30
3/1/21 SJMSMUCKER J M CO$4.04
3/3/21 FASTFASTENAL$11.35
3/4/21 BLVVANGUARD BD INDEX FDS LONG TERM BOND$13.47
3/4/21 CMICUMMINS INC$37.67
3/4/21 DFSDISCOVER FINANCIAL SERVICES$11.40
3/4/21 VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$13.97
3/4/21 VLOVALERO ENERGY CORP$35.28
3/5/21 HYGISHARES TR IBOXX HI YD ETF$18.66
3/5/21 PFEPFIZER INC$222.81
3/5/21 PFFISHARES TR PFD AND INCM SEC$50.84
3/8/21 SOSOUTHERN CO$60.78
3/9/21 JNJJOHNSON &JOHNSON COM$175.26
3/10/21 CVXCHEVRON CORP$21.77
3/10/21 IBMINTERNATIONAL BUS MACH CORP$143.97
3/10/21 UPSUNITED PARCEL SERVICE INC$227.85
3/11/21 MSFTMICROSOFT CORP$61.03
3/11/21 PRUPRUDENTIAL FINANCIAL INC$471.27
3/12/21 MMM3M CO$56.89
3/12/21 WBAWALGREENS BOOTS ALLIANCE INC$43.15
3/15/21 AVAAVISTA CORP$131.16
3/15/21 FAFFIRST AMERICAN FINANCIAL CORP$145.13
3/15/21 NWLNEWELL BRANDS INC$25.56
3/16/21 DUKDUKE ENERGY CORP$58.50
3/17/21 ULUNILEVER PLC SPON ADR NEW$9.36
3/18/21 BHBBAR HARBOR BANKSHARES$43.91
3/18/21 PSECPROSPECT CAP CORP$155.54
3/19/21 CMPCOMPASS MINERALS INTERNATIONAL INC$137.52
3/19/21 RRYDER SYSTEM INC$52.38
3/25/21 QCOMQUALCOMM INC$153.82
3/26/21 BPBP PLC SPONSORED ADR$8.26
3/26/21 KHCKRAFT HEINZ CO$9.20
3/26/21 LMTLOCKHEED MARTIN CORP$5.20
3/26/21 WMWASTE MANAGEMENT INC$41.50
3/30/21 TROWPRICE T ROWE GROUPS$16.44
3/31/21 ARCCARES CAPITAL CORP$470.39
3/31/21 BPYUBROOKFIELD PPTY REIT INC CL A$50.85
3/31/21 GATXGATX CORP$53.15
3/31/21 GRMNGARMIN LTD$61.81
3/31/21 NEWTNEWTEK BUSINESS SVCS CORP$397.89
3/31/21 PEPPEPSICO INC$52.18
3/31/21 WEYSWEYCO GROUP INC$24.85
3/31/21BEPBROOKFIELD RENEWABLE PARTNERS PARTNERSHIP$266.35
3/31/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$34.72

February Dividend Income

After 34 years of clocking in and out of work and religiously saving 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

Received my annual review at work and my raise was higher than expected.  Since I budgeted to max out my Roth IRA for the year, this is the first time I have ever increased my 401K savings rate from 10% to 11%.  This improved my annual saving rate to 24.6%.  Below is a new metric I decided to include in my monthly updates. You can see 2019 was the turning point in my saving rate and was the first full year I had no credit card and no mortgage debt.

2012201320142015201620172018201920202021
401K10%10%10%10%10%10%10%10%10%11%
Brokerage0.2%0.7%  0.5%0.8%1%3.7%4.0%4.2%
Roth IRA      1.9%5.4%8.3%9.4%
Total Saving Rate10.2%10.7%10.0%10.0%10.5%10.8%12.9%19.1%22.3%24.6%
10 Year Personal Annual Saving Rate

For the month of February I made $2,837.59; an increase of 9.94% versus this time last year. This increase is a bit illusionary as a couple of typical January payers were pushed into February. First was B&G Foods (BGS) who decided to pay on Feb. 1 instead of the end of the month. The second was Canadian Imperial Bank of Commerce (CM) who did pay a dividend in January however, due to the dividend reinvestment policy at Fidelity it was not credited to my account until February. 

Overall market valuations for the most part remained high. My consistent buys for the month were AbbVie (ABBV), Pepsico (PEP) and Verizon (VZ). I am now at a full position in all three and do not plan to buy any additional purchases. Going into March here are the stocks on my watch list; BCE Inc (BCE), Duke Energy (DUK), JM Smucker (SJM), and Lockheed Martin (LMT).

DateSymbolCompanyAmount
2/1/21BGSB&G FOODS INC$253.27
2/1/21CMCANADIAN IMPERIAL BANK OF COMMERCE$252.51
2/1/21GISGENERAL MILLS INC$77.45
2/1/21TAT&T INC$603.10
2/1/21VZVERIZON COMMUNICATIONS INC$35.15
2/4/21BLVVANGUARD BD INDEX FDS LONG TERM BOND$14.79
2/4/21VCLTVANGUARD SCOTTSDALE FUNDS LONG-TERM COR$15.65
2/5/21HYGISHARES TR IBOXX HI YD ETF$19.29
2/5/21PFFISHARES TR PFD AND INCM SEC$50.47
2/8/21APDAIR PRODUCTS AND CHEMICALS INC$30.06
2/16/21ABBVABBVIE INC$155.18
2/16/21HASHASBRO INC$31.20
2/16/21OHIOMEGA HEALTHCARE INVESTORS INC$722.72
2/16/21PGPROCTER AND GAMBLE CO$103.16
2/18/21PSECPROSPECT CAP CORP$155.54
2/22/21ARTNAARTESIAN RES CORP$189.48
2/26/21ODCOIL DRI CORP OF AMERICA$14.11
2/26/21SBRASABRA HEALTH CARE REIT INC$83.25
2/26/21WSMWILLIAMS-SONOMA INC$9.61
2/26/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$21.60

January Dividend Income

After 33 years of clocking in and out of work and religiously saving 10% annually in my 401K every year, in good times and bad, I have decided to share my monthly dividend income to show what regular saving and investing can accomplish.

For the month of January I made $3,097.88; a decrease of -3.93% versus this time last year. This decrease is a bit illusionary as a couple of typical January payers were pushed into February. First was B&G Foods (BGS) who decided to pay on Feb. 1 instead of the end of the month. The second was Canadian Imperial Bank of Commerce (CM) who did pay a dividend in January however, due to the dividend reinvestment policy at Fidelity it will not be crediting my account until Monday.

Overall market valuations for the most part remained high but there was some softness in consumer prepared foods like SJM & GIS which I picked up during the month of January but that was short lived as prices moved back up across the sector. Going into February here are the stocks on my watch list; AbbVie (ABBV), BCE Inc (BCE), Genuine Parts Co (GPC), Leggett & Platt (LEG), Lockheed Martin (LMT), Unilever (UL), Viatris Inc. (VTRS) and Verizon (VZ).

DateSymbolCompanyAmount
1/25/21AMNFARMANINO FOODS DISTINCTION INC$24.85
1/15/21APTSPREFERRED APARTMENT COMMUNITIES INC$82.97
1/15/21AQNALGONQUIN PWR UTILS CORP$176.81
1/20/21BCEBCE INC$61.02
1/29/21BNSBANK OF NOVA SCOTIA$24.76
1/15/21CPTCAMDEN PROPERTY TRUST$12.73
1/19/21GSKGLAXOSMITHKLINE ADR$163.25
1/6/21IRMIRON MOUNTAIN INC$470.25
1/15/21KBALKIMBALL INTERNATIONAL INC$2.36
1/15/21LEGLEGGETT &PLATT INC$69.21
1/7/21MPWMEDICAL PROPERTIES TRUST INC$171.07
1/8/21MRKMERCK &CO. INC$122.65
1/29/21OGEOGE ENERGY CORP$125.46
1/7/21PEPPEPSICO INC$28.64
1/4/21PPLPPL CORP$762.52
1/21/21PSECPROSPECT CAP CORP$155.54
1/6/21TUTELUS CORPORATION$41.39
1/4/21WMTWALMART INC$14.22
1/15/21WPCWP CAREY INC$544.61
1/4/21AGRAVANDRID, INC$22.92
1/29/21M1 FinanceM1 DIVIDEND GROWTH ACCOUNT$20.65