June Dividend Income

After 35 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 let’s look at how this past month is getting me there.

For the month of June I made $5,789.87; an increase of 26.38% versus this time last year.  Biggest payout I have had this year, if only the first two months of a quarter were this nice.

In June I received 3 dividend raises from GIS, ODC and WPC.  These raises will add an additional $32.70 to my annual income going forward. June is a tough month for raises so I’ll take anything that comes.

Taking a mid-year look at my annual income growth goal of 12.5%, my income is currently exceeding that goal by 3% and the bulk of that is due to the massive 49% dividend raise from United Parcel Service (UPS) back in February. Since UPS is my largest position it made a significant dent, without that I would have been closer to my goal.

On the home front I am finally caught up on maintaining properties for two homes (mine & my father-in-law’s) and I can finally start enjoying summer.   Last year we started our backyard movie nights and cannot wait to get that started again, best part is we could not get a screen last year because of supply chain issues but I was able to get a 120” screen and cannot wait to try it out.  My daughter caught Covid and had a side effect of something called “Covid Eye”, long story short her eye is as swollen as Rocky Balboa’s except she didn’t say cut me Mick.

On another note, fellow blogger Northern Lights Investment is back from a very dangerous surgery and is blogging again but still in need of much recovery and far from out of the woods.  Also, another callout to fellow blogger Dividend Portfolio as he battles cancer and faces a tough road ahead.  Try to keep both in your prayers as they can use all the help they can get.  

Here are the charts we love to see:

Date	Symbol	Company	Amount
6/1/22	ALE	ALLETE INC	$138.76
6/1/22	DIVO	AMPLIFY ETF TR CWP ENHANCED DIV	$107.69
6/1/22	PNW	PINNACLE WEST CAPITAL CORP	$207.96
6/1/22	PSX	PHILLIPS 66	$28.87
6/1/22	SJM	SMUCKER J M CO	$18.93
6/2/22	CMI	CUMMINS INC	$41.04
6/2/22	UPS	UNITED PARCEL SERVICE INC	$345.18
6/3/22	ENB	ENBRIDGE INC	$254.72
6/6/22	SO	SOUTHERN CO	$70.24
6/7/22	JNJ	JOHNSON &JOHNSON	$199.02
6/7/22	VLO	VALERO ENERGY CORP	$35.28
6/8/22	AMGN	AMGEN INC	$11.76
6/9/22	DFS	DISCOVER FINANCIAL SERVICES	$15.61
6/9/22	MSFT	MICROSOFT CORP	$67.84
6/10/22	CVX	CHEVRON CORP	$23.96
6/10/22	IBM	INTERNATIONAL BUS MACH CORP	$155.03
6/10/22	PFE	PFIZER INC	$239.15
6/10/22	SNA	SNAP-ON INC	$33.96
6/10/22	WBA	WALGREENS BOOTS ALLIANCE INC	$70.07
6/13/22	MMM	3M CO	$63.12
6/15/22	AVA	AVISTA CORP	$147.84
6/15/22	EPR	EPR PROPERTIES	$85.49
6/15/22	FAF	FIRST AMERICAN FINANCIAL CORP	$163.33
6/15/22	NWL	NEWELL BRANDS INC	$25.56
6/16/22	DUK	DUKE ENERGY CORP	$67.39
6/16/22	OGN	ORGANON &CO	$5.71
6/16/22	PRU	PRUDENTIAL FINANCIAL INC	$520.12
6/17/22	BHB	BAR HARBOR BANKSHARES	$54.07
6/17/22	R	RYDER SYSTEM INC	$54.57
6/17/22	WM	WASTE MANAGEMENT INC	$46.92
6/21/22	CMP	COMPASS MINERALS INTERNATIONAL INC	$28.65
6/21/22	PSEC	PROSPECT CAP CORP	$98.13
6/21/22	UL	UNILEVER PLC	$58.55
6/23/22	QCOM	QUALCOMM INC	$177.49
6/24/22	BP	BP PLC	$8.59
6/24/22	KHC	KRAFT HEINZ CO	$9.70
6/24/22	LMT	LOCKHEED MARTIN CORP	$25.80
6/27/22	SCHD	SCHWAB US DIVIDEND EQUITY ETF	$33.46
6/28/22	NUSI	ETF SER SOLUTIONS NATIONWIDE NASDQ	$15.93
6/29/22	TROW	PRICE T ROWE GROUPS	$25.14
6/29/22	XRMI	GLOBAL X FDS S&P 500 RISK	$50.36
6/29/22	XYLD	GLOBAL X FDS S&P 500 COVERED	$146.02
6/30/22	ARCC	ARES CAPITAL CORP	$551.61
6/30/22	AVGO	BROADCOM INC	$8.43
6/30/22	BEP	BROOKFIELD RENEWABLE PARTNERS	$280.60
6/30/22	BEPC	BROOKFIELD RENEWABLE CORP	$70.08
6/30/22	CTO	CTO RLTY GROWTH INC	$64.97
6/30/22	GATX	GATX CORP	$55.27
6/30/22	NEWT	NEWTEK BUSINESS SVCS CORP	$620.19
6/30/22	PEP	PEPSICO INC	$60.72
6/30/22	WEYS	WEYCO GROUP INC	$26.16
6/30/22	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$74.83

May Dividend Income

After 35 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 let’s look at how this past month is getting me there.

For the month of May I made $2,821.76; an increase of 13.98% versus this time last year.  Not too shabby considering this was the first month of AT&Ts lower payout.

In May I received 8 dividend raises from AQN, BNS, CM, CTO, LEG, PKG, PSX and TU.  A solid month for raises that should add an additional $221 to my annual income going forward. 

On the home front it has just been busy as I take care of maintaining property for two homes (mine & my father-in-law’s).   The good news is all this yard work is making me loose some of the winter fat and hopefully I’ll be slimmed down to my usual summer weight.

My middle daughter graduated from college this month and already started a full-time career in corporate accounting.  Down to just one child left in college and fingers crossed he will be graduating early in December of 2023.  Next milestone is to get all three kids out of the house and on their own. Here are the charts we love to see:

Date	Symbol	Company	Amount
5/2/22	BGS	B&G FOODS INC	$273.24
5/2/22	GIS	GENERAL MILLS INC	$95.60
5/2/22	T	AT&T INC	$333.02
5/2/22	VZ	VERIZON COMMUNICATIONS INC	$102.01
5/5/22	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$14.05
5/5/22	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$16.16
5/6/22	HYG	ISHARES TR IBOXX HI YD ETF	$19.46
5/6/22	PFF	ISHARES TR PFD AND INCM SEC	$43.65
5/9/22	APD	AIR PRODUCTS AND CHEMICALS INC	$67.51
5/13/22	OHI	OMEGA HEALTHCARE INVESTORS INC	$722.72
5/16/22	ABBV	ABBVIE INC	$217.27
5/16/22	EPR	EPR PROPERTIES	$85.49
5/16/22	HAS	HASBRO INC	$46.01
5/16/22	IBCP	INDEPENDENT BK CORP MICH	$48.94
5/16/22	PG	PROCTER AND GAMBLE CO	$120.53
5/19/22	PSEC	PROSPECT CAP CORP	$155.54
5/23/22	ARTNA	ARTESIAN RES CORP	$207.60
5/25/22	FAST	FASTENAL	$12.83
5/27/22	ODC	OIL DRI CORP OF AMERICA	$33.16
5/27/22	WSM	WILLIAMS-SONOMA INC	$14.14
5/31/22	NUSI	ETF SER SOLUTIONS NATIONWIDE NASDQ	$17.65
5/31/22	SBRA	SABRA HEALTH CARE REIT INC	$87.16
5/31/22	WMT	WALMART INC	$14.75
5/31/22	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$73.27

April Dividend Income

After 35 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 let’s look at how this past month is getting me there.

For the month of March I made $3,828.61; a decrease of -3.34% versus this time last year.  The main culprit for the decrease was my BGS payment sliding out into early May versus April of last year.

In April I received 7 dividend raises from ARTNA, BHB, DFS, IBM, JNJ, PG and SO.  A solid month for raises that should add an additional $131 to my annual income going forward. 

On the home I haven’t had much time as for some reason work has become stressful and I’ve been mentally fatigued lately.  Unfortunately, it has spilled into early May but hopefully things will lighten up soon.

Here are the charts we love to see:

Date	Symbol	Company	Amount
4/1/22	AGR	AVANGRID	$23.91
4/1/22	ALL	ALLSTATE CORP	$3.40
4/1/22	BEPC	BROOKFIELD RENEWABLE CORP	$70.08
4/4/22	GRMN	GARMIN LTD	$68.23
4/4/22	KMB	KIMBERLY-CLARK CORP	$17.06
4/4/22	WMT	WALMART INC	$14.75
4/5/22	TU	TELUS CORPORATION	$57.93
4/6/22	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$21.29
4/6/22	IRM	IRON MOUNTAIN INC	$498.67
4/6/22	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$14.96
4/7/22	HYG	ISHARES TR IBOXX HI YD ETF	$21.20
4/7/22	MRK	MERCK &CO. INC	$149.88
4/7/22	PFF	ISHARES TR PFD AND INCM SEC	$48.38
4/11/22	GSK	GLAXOSMITHKLINE ADR	$203.95
4/14/22	AQN	ALGONQUIN PWR UTILS CORP	$307.69
4/14/22	MPW	MEDICAL PROPERTIES TRUST INC	$192.37
4/14/22	WPC	WP CAREY INC	$577.88
4/18/22	CPT	CAMDEN PROPERTY TRUST	$14.42
4/18/22	EPR	EPR PROPERTIES	$85.49
4/18/22	KBAL	KIMBALL INTERNATIONAL	$2.45
4/18/22	LEG	LEGGETT &PLATT INC	$269.39
4/18/22	PKG	PACKAGING CORP OF AMERICA	$4.04
4/20/22	BCE	BCE INC	$410.73
4/20/22	PSEC	PROSPECT CAP CORP	$155.54
4/25/22	NUSI	NATIONWIDE RISK-MANAGED INCOME ETF	$18.28
4/26/22	XRMI	GLOBAL X FDS S&P 500 RISK	$29.73
4/29/22	AMNF	ARMANINO FOODS DISTINCTION INC	$42.60
4/29/22	BNS	BANK OF NOVA SCOTIA	$29.01
4/29/22	CM	CANADIAN IMPERIAL BANK OF COMMERCE	$293.22
4/29/22	OGE	OGE ENERGY CORP	$142.64
4/29/22	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$39.44

March Dividend Income

After 35 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 let’s look at how this past month is getting me there.

For the month of March I made $5,343.37; an increase of 26.07% versus this time last year.

In March I received 4 dividend raises from AMNF, QCOM, WSM and WPC which is a far cry from the 20 I received last month but welcomed none the less. 

On the home front my daughter received a stay of execution on her job as they received a late round of funding which should keep the company open for another year and the good news is she received a $10K retention bonus for being loyal. This takes a little stress off of her and myself. 

At my place of work, I received my annual pay raise mid-month but it was pretty small in comparison to inflation.  I did increase my 401K contribution by 1% but just could not swing an increase to my weekly M1 finance contribution.   Even the 1% increase I am questioning as costs have risen but hey no pain no gain.  This now brings my annual savings rate up to 25.9% from 24.9% last year.

	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
401K	12%	11%	10%	10%	10%	10%	10%	10%	10%	10%
Brokerage	4.50%	4.50%	4%	3.70%	1%	0.80%	0.50%			0.70%
Roth IRA	9.40%	9.40%	8.30%	5.40%	1.90%
Total Saving Rate	25.90%	24.90%	22.30%	19.10%	12.90%	10.80%	10.50%	10.00%	10.00%	10.70%

10 Year Savings Rate

Let’s see the things we all love to see…charts and dividend payouts:

Date	Symbol	Company	Amount
3/1/22	ALE	ALLETE INC	$137.32
3/1/22	NUSI	ETF SER SOLUTIONS NATIONWIDE NASDQ	$38.14
3/1/22	PNW	PINNACLE WEST CAPITAL CORP	$116.99
3/1/22	PSX	PHILLIPS 66	$27.09
3/1/22	SJM	SMUCKER J M CO	$17.81
3/2/22	FAST	FASTENAL	$12.76
3/2/22	XRMI	GLOBAL X FDS S&P 500 RISK	$52.77
3/3/22	CMI	CUMMINS INC	$40.74
3/3/22	DFS	DISCOVER FINANCIAL SERVICES	$12.95
3/3/22	ENB	ENBRIDGE INC	$249.40
3/3/22	VLO	VALERO ENERGY CORP	$35.28
3/4/22	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$13.34
3/4/22	PFE	PFIZER INC	$237.15
3/4/22	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$14.18
3/7/22	HYG	ISHARES TR IBOXX HI YD ETF	$19.47
3/7/22	PFF	ISHARES TR PFD AND INCM SEC	$43.10
3/7/22	SO	SOUTHERN CO	$67.50
3/8/22	AMGN	AMGEN INC	$11.66
3/8/22	JNJ	JOHNSON & JOHNSON	$185.52
3/10/22	CVX	CHEVRON CORP	$23.96
3/10/22	IBM	INTERNATIONAL BUS MACH CORP	$152.12
3/10/22	MSFT	MICROSOFT CORP	$67.69
3/10/22	SNA	SNAP-ON INC	$25.26
3/10/22	UPS	UNITED PARCEL SERVICE INC	$339.60
3/11/22	PRU	PRUDENTIAL FINANCIAL INC	$514.39
3/11/22	WBA	WALGREENS BOOTS ALLIANCE INC	$67.01
3/14/22	MMM	3M CO	$63.12
3/15/22	AVA	AVISTA CORP	$146.43
3/15/22	EPR	EPR PROPERTIES	$77.71
3/15/22	FAF	FIRST AMERICAN FINANCIAL CORP	$163.33
3/15/22	NWL	NEWELL BRANDS INC	$25.56
3/16/22	DUK	DUKE ENERGY CORP	$66.77
3/17/22	BHB	BAR HARBOR BANKSHARES	$49.50
3/17/22	OGN	ORGANON & CO	$5.65
3/18/22	R	RYDER SYSTEM INC	$54.57
3/21/22	CMP	COMPASS MINERALS INTERNATIONAL INC	$28.65
3/22/22	PSEC	PROSPECT CAP CORP	$155.54
3/24/22	QCOM	QUALCOMM INC	$160.93
3/24/22	UL	UNILEVER PLC SPON ADR	$61.97
3/25/22	BP	BP PLC SPONSORED ADR	$8.59
3/25/22	KHC	KRAFT HEINZ CO	$9.60
3/25/22	LMT	LOCKHEED MARTIN CORP	$25.63
3/30/22	TROW	PRICE T ROWE	$23.75
3/31/22	ARCC	ARES CAPITAL CORP	$551.61
3/31/22	AVGO	BROADCOM INC	$8.37
3/31/22	BEP	BROOKFIELD RENEWABLE PARTNERS	$280.60
3/31/22	CTO	CTO RLTY GROWTH INC	$61.62
3/31/22	GATX	GATX CORP	$55.27
3/31/22	NEWT	NEWTEK BUSINESS SVCS CORP	$537.50
3/31/22	PEP	PEPSICO INC	$56.40
3/31/22	WEYS	WEYCO GROUP INC	$25.90
3/31/22	WM	WASTE MANAGEMENT INC	$46.92
3/31/22	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$68.68

February Dividend Income

Before I start this post, I just wanted to state it is hard for me to get excited about finances the last few days.  There is so much tension and tragedy around Russia’s invasion of Ukraine to the point where it is depressing seeing it unfold.  I know there are fellow international bloggers whose sites I visit regularly and their country borders or is near a border with Russia of which I cannot imagine how they feel as Russia is saber rattling to those countries like Sweden, Finland, and others.   I have said my peace and will keep the Ukrainian people in my prayers.  Now onto the monthly post…

After 35 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 let’s look at how this past month is getting me there.

For the month of February I made $3,006.83; an increase of 5.96% versus this time last year.

In February I received 20 dividend raises which is a new record for me as the most raises ever in a single month. 

On the home front we are still dealing with health issues with extended family members.  My oldest daughter was just notified her company is closing and her last day will be the end May.  She is taking the news as best as she can, but my fear is with only 2 years of experience she may struggle to find a job.   

The end of February is my annual review at work which went fairly well as I received a 4% raise which will kick in around mid March.  I will most likely be redirecting some of that to future savings but not too much as 4% did not even cover inflation.

Let’s see the things we all love to see…charts and dividend payouts:

Date	Symbol	Company	Amount
2/1/22	CM	CANADIAN IMP BK COMM	$292.04
2/1/22	GIS	GENERAL MILLS INC	$94.89
2/1/22	T	AT&T INC	$624.04
2/1/22	VZ	VERIZON COMMUNICATIONS INC	$100.77
2/4/22	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$14.45
2/4/22	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$16.57
2/7/22	HYG	ISHARES TR IBOXX HI YD ETF	$19.26
2/7/22	PFF	ISHARES TR PFD AND INCM SEC	$39.59
2/14/22	APD	AIR PRODUCTS AND CHEMICALS INC	$34.17
2/15/22	ABBV	ABBVIE INC COM	$215.15
2/15/22	EPR	EPR PROPERTIES	$77.71
2/15/22	HAS	HASBRO INC	$40.33
2/15/22	IBCP	INDEPENDENT BK CORP MICH	$43.26
2/15/22	OHI	OMEGA HEALTHCARE INVESTORS INC	$722.72
2/15/22	PG	PROCTER AND GAMBLE CO	$114.15
2/17/22	PSEC	PROSPECT CAP CORP	$155.54
2/23/22	ARTNA	ARTESIAN RES CORP	$202.33
2/25/22	ODC	OIL DRI CORP OF AMERICA	$28.20
2/25/22	WSM	WILLIAMS-SONOMA INC	$12.87
2/28/22	SBRA	SABRA HEALTH CARE REIT INC	$86.75
2/28/22	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$72.04

January Dividend Income

After 35 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 let’s look at how this past month is getting me there.

For the month of January I made $3,699.22; an increase of 19.41% versus this time last year. January was a pretty cold month with lots of snow but this increase kept me pretty warm :).   Markets were crazy but my portfolio held up well most likely due to investors rotating into value and/or dividend paying stocks.

In January I received 5 dividend raise announcements from Chevron (CVX), Fastenal (FAST), GATX Corp (GATX), Independent Bank Corp (IBCP), and Kimberly-Clark Corp (KMB) which all together add $30.79 to my annual forward dividend.

On the home front we are still dealing with health issues with extended family members, but some of the craziness has settled down.  My job on the other hand has been a bit more demanding but it may just be people all energized for a new year. As much as I have enjoyed my career, I am noticing the closer I get to FI the less patience I’m having with the job and co-workers. Guess we can call this the FI effect (lol)!  Let’s see the things we all love to see…charts and dividend payouts:

Date	Symbol	Company	Amount
1/3/22	AGR	AVANGRID	$23.71
1/3/22	PPL	PPL CORP	$490.05
1/3/22	WMT	WALMART INC	$14.48
1/4/22	GRMN	GARMIN LTD	$67.89
1/4/22	KMB	KIMBERLY-CLARK CORP	$16.63
1/6/22	IRM	IRON MOUNTAIN INC	$497.17
1/6/22	TU	TELUS CORPORATION	$56.52
1/7/22	MRK	MERCK &CO. INC	$148.57
1/7/22	PEP	PEPSICO INC	$56.05
1/13/22	MPW	MEDICAL PROPERTIES TRUST INC	$185.17
1/14/22	APTS	PREFERRED APARTMENT COMMUNITIES INC	$82.97
1/14/22	AQN	ALGONQUIN PWR UTILS CORP	$244.27
1/14/22	KBAL	KIMBALL INTERNATIONAL INC	$2.43
1/14/22	LEG	LEGGETT &PLATT INC	$105.19
1/14/22	PKG	PACKAGING CORP OF AMERICA	$4.00
1/14/22	WPC	WP CAREY INC	$575.25
1/18/22	CPT	CAMDEN PROPERTY TRUST	$12.73
1/18/22	EPR	EPR PROPERTIES	$77.71
1/18/22	GSK	GLAXOSMITHKLINE ADR	$172.74
1/20/22	BCE	BCE INC	$175.73
1/20/22	PSEC	PROSPECT CAP CORP	$155.54
1/24/22	AMNF	ARMANINO FOODS DISTINCTION INC	$39.05
1/28/22	OGE	OGE ENERGY CORP	$141.09
1/31/22	BGS	B&G FOODS INC	$269.11
1/31/22	BNS	BANK OF NOVA SCOTIA	$29.01
1/31/22	NUSI	ETF SER SOLUTIONS NATIONWIDE NASDQ	$13.20
1/31/22	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$42.96

December 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 let’s look at how this past month is getting me there.

For the month of December I made $5,351.51; an increase of 23.74% versus this time last year. A large portion of this jump was from Newtek Business Services (NEWT) which was able to payout a massive dividend because of all the PPP loan originations.  Now that PPP loans are a thing of the past the dividends from NEWT will decline making Dec 2022 a tough month next year for year over year gains.

In December I received 7 dividend raise announcements from Amgen (AMGN), Broadcom (AVGO), CBIC (CM), Enbridge (ENB), Pfizer (PFE), W.P. Carey (WPC) and Waste Management (WM). I love this time of year as it signals the beginning of steady dividend raises that usually come in from December through March for the bulk of my portfolio.

On the home front we are dealing with some health issues with extended family members, which is a bit draining on me and the wife. There is a tale for expenses in this experience, but I will wait until after the crisis’s have been resolved before I share the story. Let’s see the things we all love to see…charts and dividend payouts:

Date	Symbol	Company	Amount
12/1/21	ALE	ALLETE INC COM NEW	$131.73
12/1/21	PNW	PINNACLE WEST CAPITAL CORP COM NPV	$115.50
12/1/21	PSX	PHILLIPS 66 COM	$26.74
12/1/21	SJM	SMUCKER J M CO COM NEW	$16.69
12/2/21	CMI	CUMMINS INC	$40.46
12/3/21	ENB	ENBRIDGE INC COM ISIN #CA29250N1050 SED	$236.07
12/3/21	UL	UNILEVER PLC SPON ADR NEW	$36.17
12/6/21	PFE	PFIZER INC	$229.56
12/6/21	SO	SOUTHERN CO	$66.79
12/7/21	JNJ	JOHNSON &JOHNSON COM USD1.00	$184.29
12/8/21	AMGN	AMGEN INC	$8.74
12/8/21	UPS	UNITED PARCEL SERVICE INC	$227.88
12/9/21	DFS	DISCOVER FINANCIAL SERVICES	$12.95
12/9/21	MSFT	MICROSOFT CORP	$67.57
12/9/21	VLO	VALERO ENERGY CORP COM	$35.28
12/10/21	CVX	CHEVRON CORP NEW COM	$22.61
12/10/21	IBM	INTERNATIONAL BUS MACH CORP COM USD0.20	$150.10
12/10/21	WBA	WALGREENS BOOTS ALLIANCE INC	$65.41
12/13/21	MMM	3M CO	$57.77
12/15/21	AVA	AVISTA CORP	$139.18
12/15/21	EPR	EPR PROPERTIES SBI USD0.01	$77.71
12/15/21	FAF	FIRST AMERICAN FINANCIAL CORP COM USD0.	$163.33
12/15/21	NWL	NEWELL BRANDS INC COM	$25.56
12/16/21	DUK	DUKE ENERGY CORP NEW COM NEW ISIN #US26	$66.14
12/16/21	OGN	ORGANON &CO COMMON STOCK	$5.60
12/16/21	PRU	PRUDENTIAL FINANCIAL INC	$487.72
12/16/21	QCOM	QUALCOMM INC	$160.93
12/17/21	BHB	BAR HARBOR BANKSHARES	$49.09
12/17/21	BP	BP PLC SPONSORED ADR	$8.59
12/17/21	KHC	KRAFT HEINZ CO COM	$9.49
12/17/21	R	RYDER SYSTEM INC	$54.57
12/17/21	WM	WASTE MANAGEMENT INC	$41.50
12/20/21	CMP	COMPASS MINERALS INTERNATIONAL INC	$28.65
12/22/21	HYG	ISHARES TR IBOXX HI YD ETF	$36.26
12/22/21	PFF	ISHARES TR PFD AND INCM SEC	$87.58
12/23/21	PSEC	PROSPECT CAP CORP COM	$155.54
12/27/21	LMT	LOCKHEED MARTIN CORP COM USD1.00	$25.43
12/28/21	NUSI	ETF SER SOLUTIONS NATIONWIDE NASDQ	$12.79
12/29/21	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$40.98
12/29/21	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$31.08
12/30/21	ARCC	ARES CAPITAL CORP COM	$502.58
12/30/21	CTO	CTO RLTY GROWTH INC NEW COM	$56.13
12/30/21	NEWT	NEWTEK BUSINESS SVCS CORP COM NEW	$868.27
12/30/21	TROW	PRICE T ROWE GROUPS COM USD0.20	$16.96
12/31/21	AVGO	BROADCOM INC COM	$8.32
12/31/21	BEP	BROOKFIELD RENEWABLE PARTNERS PARTNERSH	$266.34
12/31/21	BEPC	BROOKFIELD RENEWABLE CORP CLASS A SUBOR	$66.52
12/31/21	GATX	GATX CORP COM STK USD0.625	$53.15
12/31/21	WEYS	WEYCO GROUP INC	$25.63
12/31/21	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$47.58

November 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 let’s take a look at how this past month is getting me there.

For the month of November I made $3,235.39; an increase of 39.76% versus this time last year. As a note some dividend growth can be deceiving and that is what I have. For November I had two large payouts from CM & BGS that normally fall in the October time so my number was inflated.  Discounting these two payouts my YoY growth would be 16.6% which is well above my 12.5% target.

In November I received 4 dividend raise announcements from Telus (TU), Pinnacle West Capital (PNW), Bank of Nova Scotia (BNS), and Merck (MRK). I also received my first dividend cut for the year from Compass Mineral as they decided to redirect cash flow from dividends to R&D and Capex for their lithium discovery.

On the home front my oldest daughter moved from our auto insurance policy and onto her own plan. This reduced my expenses which allowed me to increase my 401K savings rate by 1% and I increased my weekly M1 finance contribution by $10.  All this resulted in my savings rate growing from 24.9% to 26.2%.

Let’s see the things we all love to see…charts and dividend payouts:

Date	Symbol	Company	Amount
11/1/21	BGS	B&G FOODS INC	$264.82
11/1/21	CM	CANADIAN IMP BK COMM	$271.20
11/1/21	GIS	GENERAL MILLS INC	$94.11
11/1/21	T	AT&T INC	$624.04
11/1/21	VZ	VERIZON COMMUNICATIONS INC	$97.67
11/4/21	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$14.47
11/4/21	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$15.35
11/5/21	HYG	ISHARES TR IBOXX HI YD ETF	$17.31
11/5/21	PFF	ISHARES TR PFD AND INCM SEC	$47.76
11/8/21	APD	AIR PRODUCTS AND CHEMICALS INC	$34.00
11/15/21	ABBV	ABBVIE INC	$196.18
11/15/21	EPR	EPR PROPERTIES	$77.71
11/15/21	HAS	HASBRO INC	$38.70
11/15/21	IBCP	INDEPENDENT BK CORP MICH	$41.30
11/15/21	OHI	OMEGA HEALTHCARE INVESTORS INC	$722.72
11/15/21	PG	PROCTER AND GAMBLE CO	$113.48
11/18/21	PSEC	PROSPECT CAP CORP	$155.54
11/19/21	ARTNA	ARTESIAN RES CORP	$201.09
11/23/21	FAST	FASTENAL	$11.47
11/26/21	ODC	OIL DRI CORP OF AMERICA	$22.09
11/26/21	WSM	WILLIAMS-SONOMA INC	$12.87
11/30/21	NUSI	ETF SER SOLUTIONS NATIONWIDE RSK	$13.31
11/30/21	SBRA	SABRA HEALTH CARE REIT INC	$86.36
11/30/21	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$61.84

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:

Date	Symbol	Company	Amount
10/1/21	AGR	AVANGRID	$23.51
10/29/21	AMNF	ARMANINO FOODS DISTINCTION INC	$39.05
10/15/21	APTS	PREFERRED APARTMENT COMMUNITIES INC	$82.97
10/15/21	AQN	ALGONQUIN PWR UTILS CORP	$232.62
10/19/21	BCE	BCE INC	$170.08
10/6/21	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$13.92
10/29/21	BNS	BANK OF NOVA SCOTIA COM	$26.59
10/18/21	CPT	CAMDEN PROPERTY TRUST	$12.73
10/15/21	EPR	EPR PROPERTIES	$77.71
10/11/21	GSK	GLAXOSMITHKLINE	$170.72
10/7/21	HYG	ISHARES TR IBOXX HI YD ETF	$18.02
10/6/21	IRM	IRON MOUNTAIN INC	$495.46
10/15/21	KBAL	KIMBALL INTERNATIONAL INC	$2.41
10/4/21	KMB	KIMBERLY-CLARK CORP	$16.49
10/15/21	LEG	LEGGETT &PLATT INC	$83.30
10/14/21	MPW	MEDICAL PROPERTIES TRUST INC	$184.51
10/7/21	MRK	MERCK &CO. INC	$137.08
10/25/21	NUSI	NATIONWIDE RISK-MANAGED INCOME ETF	$12.74
10/29/21	OGE	OGE ENERGY CORP	$139.42
10/7/21	PFF	ISHARES TR PFD AND INCM SEC	$51.71
10/1/21	PPL	PPL CORP	$489.49
10/21/21	PSEC	PROSPECT CAP CORP	$155.54
10/5/21	TU	TELUS CORPORATION	$54.15
10/6/21	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$15.91
10/15/21	WPC	WP CAREY INC	$572.04
10/29/21	M1 Finance	M1 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:

Date	Symbol	Company	Amount
9/1/21	ALE	ALLETE INC	$128.41
9/1/21	PSX	PHILLIPS 66	$25.84
9/1/21	SJM	SMUCKER J M CO	$10.45
9/2/21	CMI	CUMMINS INC	$40.46
9/2/21	DFS	DISCOVER FINANCIAL SERVICES	$12.95
9/2/21	VLO	VALERO ENERGY CORP	$35.28
9/3/21	ENB	ENBRIDGE INC	$236.19
9/7/21	BLV	VANGUARD BD INDEX FDS LONG TERM BOND	$14.47
9/7/21	JNJ	JOHNSON &JOHNSON	$184.18
9/7/21	PFE	PFIZER INC	$227.64
9/7/21	SO	SOUTHERN CO	$66.14
9/7/21	VCLT	VANGUARD SCOTTSDALE FUNDS LONG-TERM COR	$15.63
9/7/21	WMT	WALMART INC	$14.48
9/8/21	HYG	ISHARES TR IBOXX HI YD ETF	$17.07
9/8/21	PFF	ISHARES TR PFD AND INCM SEC	$52.60
9/9/21	MSFT	MICROSOFT CORP	$61.03
9/9/21	UPS	UNITED PARCEL SERVICE INC	$227.87
9/10/21	CVX	CHEVRON CORP	$22.61
9/10/21	IBM	INTERNATIONAL BUS MACH CORP	$148.35
9/10/21	UL	UNILEVER PLC	$14.84
9/10/21	WBA	WALGREENS BOOTS ALLIANCE INC	$58.88
9/13/21	MMM	3M	$57.77
9/13/21	OGN	ORGANON &CO	$5.60
9/15/21	AVA	AVISTA CORP	$135.62
9/15/21	EPR	EPR PROPERTIES	$77.71
9/15/21	FAF	FIRST AMERICAN FINANCIAL CORP	$163.33
9/15/21	NWL	NEWELL BRANDS INC	$25.56
9/16/21	DUK	DUKE ENERGY CORP NEW COM NEW ISIN #US26	$65.51
9/16/21	PRU	PRUDENTIAL FINANCIAL INC	$482.40
9/16/21	VTRS	VIATRIS INC	$7.75
9/17/21	BHB	BAR HARBOR BANKSHARES	$48.64
9/17/21	R	RYDER SYSTEM INC	$54.57
9/17/21	WM	WASTE MANAGEMENT INC	$41.50
9/20/21	CMP	COMPASS MINERALS INTERNATIONAL INC	$137.52
9/23/21	PSEC	PROSPECT CAP CORP	$155.54
9/23/21	QCOM	QUALCOMM INC	$160.93
9/24/21	BP	BP PLC	$8.59
9/24/21	KHC	KRAFT HEINZ CO	$9.39
9/24/21	LMT	LOCKHEED MARTIN CORP	$18.27
9/27/21	NUSI	ETF SER SOLUTIONS NATIONWIDE RSK	$12.77
9/29/21	BEP	BROOKFIELD RENEWABLE PARTNERS	$266.34
9/29/21	BEPC	BROOKFIELD RENEWABLE CORP	$66.52
9/29/21	TROW	PRICE T ROWE GROUPS	$16.88
9/30/21	ARCC	ARES CAPITAL CORP	$502.58
9/30/21	AVGO	BROADCOM INC	$7.25
9/30/21	CTO	CTO RLTY GROWTH INC	$55.10
9/30/21	GATX	GATX CORP	$53.15
9/30/21	GRMN	GARMIN	$67.89
9/30/21	NEWT	NEWTEK BUSINESS SVCS CORP	$744.23
9/30/21	PEP	PEPSICO INC	$55.66
9/30/21	WEYS	WEYCO GROUP INC	$25.38
9/30/21	M1 Finance	M1 DIVIDEND GROWTH ACCOUNT	$46.96